Worldwide
Atlas International Premium
Comprehensive Coverage,
Lloyd's of London
Best for:
Atlas International Premium is an A rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for a traveler's temporary stay outside of their home country. The coverage duration is available from 5 days to 364 days. After the deductible is satisfied, the plan will pay 100% of eligible medical expenses up to the policy maximum. Learn more about how Atlas International works.
Atlas International Premium can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Atlas International Premium does not cover Pre-Existing medical conditions. Please review Atlas International Premium policy documents for complete coverage and exclusions.
No optional add-on benefits on this plan.
How Atlas International Premium Works
100%
Out of Network
After deductible, 100% up to policy maximum See How Atlas International Premium Works.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
100% up to policy maximum
Hospitalization
Average semi-private room and rate
Urgent Care
$15 copay, 100% up to Policy Maximum
Prescription
100% up to policy maximum
Acute Onset of Pre-Existing Conditions
Up to policy maximum: Age 79 and below
Schengen Visa Requirement
Yes
Medical Evacuation
Up to $1000000
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Lab & X-Rays
Not Available
Emergency Room
100% up to policy maximum
Acute Onset of Pre-Existing Conditions
Up to policy maximum: Age 79 and below
Hospitalization
Average semi-private room and rate
Schengen Visa Requirement
Yes
Urgent Care
$15 copay, 100% up to Policy Maximum
Medical Evacuation
Up to $1000000
Prescription
100% up to policy maximum
Lab & X-Rays
Not Available
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.
Eligibility
- For international travelers travelling anywhere outside their home country. No Coverage in USA
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 364 days in a policy period
- Extendable for up to 364 days
- If you are purchasing this plan for Schengen visa purposes, please select a zero dollar ($0) deductible
- Plan can be purchased after arrival at the destination
- Optional add-on benefits No Optional add-on benefits
- Extend Online
- Cancellation & Refund Info
- How This Plan Works?
- Claim Information
- PPO Network
- What is Not Covered (Exclusions)
- Plan Brochure
- Sample Description of Coverage
- Sample Visa Letter
- Insurance Product Information Document
How COVID-19 is Covered Under Atlas International Premium
COVID-19 Medical Expenses
Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.
COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.
COVID-19 Vaccination/Booster
COVID-19 vaccination/booster is not covered under the policy.
Quarantine Benefit
A quarantine indemnity benefit of up to $50/day for 10 days.
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Similar Plans
Atlas International
Comprehensive Coverage
Underwriter: Lloyd's of London
Best for:
Worldwide
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Accidental Death and Dismemberment Coverage
This rider, available to Members age 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum. Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions, as listed in the policy. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
| Base AD&D Coverage | Additional AD&D Coverage Available | Total AD&D Coverage Amount |
|---|---|---|
| $25,000 | $25,000 | $50,000 |
Crisis Response Benefit Rider
This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
| Base CR Coverage | Additional CR Coverage Available | Total CR Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Personal Liability Benefit Rider
This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.
| Base PL Coverage | Additional PL Coverage Available | Total PL Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Patriot International Lite
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
Worldwide
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, the plan pays 100% of eligible medical expenses
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Accidental Death and Dismemberment
This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.
Telehealth
Telehealth provides access to a national network of board-certified doctors and pediatrician in the U.S who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat, and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Telehealth does not replace existing primary care physician relationship, but supplements them as a convenient, affordable alternative for non-emergency medical care.
Device Protection Rider
The optional Device Protection Rider offers coverage for replacement or reimbursement for Loss, theft, or repair services for damages, including accidental damage, liquid damage, malfunction, and/or screen break, of an Insured PersonâÃÂÃÂs cellular phone during normal usage of the Insured PersonâÃÂÃÂs cellular phone during the period of coverage. Replacement parts will be new, rebuilt, or non-original manufacturer's parts that perform to the factory specifications of the device at the Service ProviderâÃÂÃÂs sole discretion.
Trip Cancellation and Interruption Coverage
Provides up to 100% reimbursement of your prepaid, non-refundable trip costs if you are prevented from taking your trip due to a covered, unforeseen reason or 125% reimbursement if your trip is interrupted for a covered, unforeseen reason. Also includes travel delay benefits up to $2,000 ($250/day after an initial delay of 12 hours).
With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight.
With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight.
| COVERAGES | MAXIMUM BENEFIT |
|---|---|
| Trip Cancellation | 100% of Trip Cost |
| Trip Interruption | 125% of Trip Cost |
| Travel Delay | $2,000/$250 (Per Day) |
| Accidental Death & Dismemberment Air Flight Only | $10,000 |
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Patriot Platinum International
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
Worldwide
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, the plan pays 100% of eligible medical expenses
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Accidental Death and Dismemberment
This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.
Device Protection Rider
The optional Device Protection Rider offers coverage for replacement or reimbursement for Loss, theft, or repair services for damages, including accidental damage, liquid damage, malfunction, and/or screen break, of an Insured PersonâÃÂÃÂs cellular phone during normal usage of the Insured PersonâÃÂÃÂs cellular phone during the period of coverage. Replacement parts will be new, rebuilt, or non-original manufacturer's parts that perform to the factory specifications of the device at the Service ProviderâÃÂÃÂs sole discretion.
Trip Cancellation and Interruption Coverage
Provides up to 100% reimbursement of your prepaid, non-refundable trip costs if you are prevented from taking your trip due to a covered, unforeseen reason or 125% reimbursement if your trip is interrupted for a covered, unforeseen reason. Also includes travel delay benefits up to $2,000 ($250/day after an initial delay of 12 hours). With this add-on you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted due to a covered unforeseen reason. Benefits also include accidental death and dismemberment (AD&D), which pays benefits to your beneficiary if you sustain an injury or loss of life caused by an accident during your flight.
| Coverages | Maximum Amount |
| Trip Cancellation | 100% of Trip Costs |
| Trip Interruption | 125% of Trip Cost |
| Travel Delay | $2,000/$250(per day) |
| Accidental Death & Dismemberment Air Flight Only | $10,000 |
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
