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Atlas International

Comprehensive Coverage

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Atlas International Premium

Comprehensive Coverage

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Europe Travel Plus

Comprehensive Coverage

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Overview Medical Coverage Pre-existing Conditions Out-Patient In-Patient Emergency Services Dental Travel COVID-19 Benefits Other
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Overview

Overview

Overview

VisitorsCoverage

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.

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.

Medical Coverage

Medical Coverage

Medical coverage details.

Eligible Medical Expenses
Eligible Medical Expenses
Not covered
Eligible Medical Expenses
Not covered
Eligible Medical Expenses
Not covered
Eligible Medical Expenses
In-Network
In-Network
No PPO - Out of network coverage applies
In-Network
No PPO - Out of network coverage applies
In-Network
No PPO - Out of network coverage applies
Out-Network
Out-Network
100% up to policy maximum
100%
Out-Network
100% up to policy maximum
100%
Out-Network
100% up to policy maximum
100%
Pre-existing Conditions

Pre-existing Conditions

Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.

Pre-Existing Conditions
Pre-Existing Conditions

Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Pre-Existing Diabetes: Not Covered
  • Pre-Existing Hypertension: Not Covered
  • Pre-Existing Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Pre-Existing Conditions

    Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Pre-Existing Diabetes: Not Covered
  • Pre-Existing Hypertension: Not Covered
  • Pre-Existing Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Pre-Existing Conditions

    Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Pre-Existing Diabetes: Not Covered
  • Pre-Existing Hypertension: Not Covered
  • Pre-Existing Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Acute onset Pre-Existing Condition
    Acute onset Pre-Existing Condition
    Up to policy maximum: Age 79 and below
    Acute onset Pre-Existing Condition
    Up to policy maximum: Age 79 and below
    Acute onset Pre-Existing Condition
    Up to $35,000
    Out-Patient

    Out-Patient

    Medical treatment that does not include an overnight stay at a hospital.

    Dr. / Physician Visit
    Dr. / Physician Visit
    Not covered
    Dr. / Physician Visit
    Not covered
    Dr. / Physician Visit
    Not covered
    Urgent Care
    Urgent Care
    Not covered
    Urgent Care
    Not covered
    Urgent Care
    Not covered
    Surgical Treatment
    Surgical Treatment
    Not covered
    Surgical Treatment
    Not covered
    Surgical Treatment
    Not covered
    Prescription Drugs / Medicines
    Prescription Drugs / Medicines
    100% up to policy maximum
    100%
    Prescription Drugs / Medicines
    100% up to policy maximum
    100%
    Prescription Drugs / Medicines
    100% up to $250,000
    Lab & X-rays
    Lab & X-rays
    Not covered
    Lab & X-rays
    Not covered
    Lab & X-rays
    Not covered
    Dr. / Physician Visit
    In-Network
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    Out-Network
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    Urgent Care
    In-Network
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    Out-Network
    Out-Network
    $15 copay, 100% up to Policy Maximum
    $15 100%
    Out-Network
    $15 copay, 100% up to Policy Maximum
    $15 100%
    Out-Network
    100% up to policy maximum
    100%
    Surgical Treatment
    In-Network
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    Out-Network
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    Lab & X-rays
    In-Network
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    Out-Network
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    In-Patient

    In-Patient

    Medical treatment that includes an overnight stay at a hospital.

    Hospital Room and Board
    Hospital Room and Board
    Not covered
    Hospital Room and Board
    Not covered
    Hospital Room and Board
    Not covered
    Dr. / Physician Visit
    Dr. / Physician Visit
    Not covered
    Dr. / Physician Visit
    Not covered
    Dr. / Physician Visit
    Not covered
    Surgical Treatment
    Surgical Treatment
    Not covered
    Surgical Treatment
    Not covered
    Surgical Treatment
    Not covered
    Hospital Room and Board
    In-Network
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    Out-Network
    Out-Network
    Average semi-private room and rate
    Out-Network
    Average semi-private room and rate
    Out-Network
    Average semi-private room and rate
    Dr. / Physician Visit
    In-Network
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    Out-Network
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    Surgical Treatment
    In-Network
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    Out-Network
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    Emergency Services

    Emergency Services

    Hospital emergency services (certain limits may apply).

    Ambulance Expenses
    Ambulance Expenses
    Not covered
    Ambulance Expenses
    Not covered
    Ambulance Expenses
    Not covered
    Emergency Room
    Emergency Room
    Not covered
    Emergency Room
    Not covered
    Emergency Room
    Not covered
    Ambulance Expenses
    In-Network
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    Out-Network
    Out-Network
    URC up to policy maximum
    Out-Network
    URC up to policy maximum
    Out-Network
    Up to $2,500
    Emergency Room
    In-Network
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    In-Network
    No PPO - Out of network coverage applies
    Out-Network
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    Out-Network
    100% up to policy maximum
    100%
    Dental Coverage

    Dental Coverage

    Treatment for injury to or acute and spontaneous pain in sound natural teeth.

    Dental Emergency
    Dental Emergency
    Up to $300 for emergency dental accident and acute onset of pain
    Dental Emergency
    Up to $300 for emergency dental accident and acute onset of pain
    Dental Emergency
    Up to $500
    Travel Coverage

    Travel Coverage

    Travel-related coverage

    US Border Entry Protection
    US Border Entry Protection
    One way ticket and/or common carrier change fees up to $500
    US Border Entry Protection
    One way ticket and/or common carrier change fees up to $500
    US Border Entry Protection
    One way ticket and/or common carrier change fees up to $550
    Emergency Medical Evacuation / Repatriation
    Emergency Medical Evacuation / Repatriation
    Up to $1,000,000
    Emergency Medical Evacuation / Repatriation
    Up to $1,000,000
    Emergency Medical Evacuation / Repatriation
    Up to $300,000
    Return of Mortal Remains
    Return of Mortal Remains
    100% up to policy maximum
    100%
    Return of Mortal Remains
    100% up to policy maximum
    100%
    Return of Mortal Remains
    Up to $50,000
    Trip Interruption
    Trip Interruption
    Up to $10,000
    Trip Interruption
    Up to $15,000
    Trip Interruption
    Up to $5,000
    Trip Delay
    Trip Delay
    Up to $100 per day after 12 hour delay period requiring an unplanned overnight stay. 2 days maximum.
    Trip Delay
    Up to $200 per day after 12 hour delay period requiring an unplanned overnight stay. 2 days maximum.
    Trip Delay
    Not covered
    Lost Luggage
    Lost Luggage
    Upto $1,000
    Lost Luggage
    Upto $2,000
    Lost Luggage
    Up to $500, $50 per limit
    Terrorism
    Terrorism
    Upto $50,000
    Terrorism
    Upto $50,000
    Terrorism
    Up to $50,000
    Personal Liability
    Personal Liability
    Up to:
    $25,000 lifetime maximum
    $25,000 third person injury
    $25,000 third person property
    $2,500 related third person property

    Not subject to deductible or overall maximum limit
    Personal Liability
    Up to:
    $100,000 lifetime maximum
    $100,000 third person injury
    $100,000 third person property
    $2,500 related third person property

    Not subject to deductible or overall maximum limit
    Personal Liability
    Optional Coverage: Up to $1,000
    Identity Theft
    Identity Theft
    Not covered
    Identity Theft
    Not covered
    Identity Theft
    Up to $500
    Legal Fees
    Legal Fees
    Not covered
    Legal Fees
    Not covered
    Legal Fees
    Optional Coverage: Up to $500
    Lost or Stolen Passport
    Lost or Stolen Passport
    Upto $100
    Lost or Stolen Passport
    Upto $100
    Lost or Stolen Passport
    Up to $250
    Missed Connection
    Missed Connection
    Not covered
    Missed Connection
    Not covered
    Missed Connection
    Not covered
    COVID-19 Benefits

    COVID-19 Benefits

    Covid-19 related benefits and coverage

    COVID-19 Medical Coverage
    COVID-19 Medical Coverage
    This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
    COVID-19 Medical Coverage
    This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
    COVID-19 Medical Coverage
    This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
    COVID-19 Testing
    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 Testing
    Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur 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 Vaccine/Booster
    COVID-19 Vaccine/Booster
    Not covered
    COVID-19 Vaccine/Booster
    Not covered
    COVID-19 Vaccine/Booster
    Not covered
    Other

    Other

    Other types of coverage not mentioned above.

    Doctor Wellness Visit
    Doctor Wellness Visit
    Not covered
    Doctor Wellness Visit
    Not covered
    Doctor Wellness Visit
    Not covered
    Preferred Rates
    Preferred Rates
    Not covered
    Preferred Rates
    Not covered
    Preferred Rates
    Not covered

    Note: All benefits are paid as per UCR. UCR is an established maximum amount that an insurance company will reimburse for a particular medical service or procedure. These changes are based on the average costs billed by the majority of providers in a given region. Learn more.

    Atlas International

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    Atlas International Premium

    Plan BrochureDescription of Coverage
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    Europe Travel Plus

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    Disclaimer
      VisitorsCoverage
      Understanding Policy Maximum
      What is a Policy Maximum?

      Policy Maximum (also known as the coverage limit, maximum limit, maximum coverage or policy limit) is the maximum amount the insurance company may be willing to pay for services covered by the policyholder’s insurance plan. Depending on the policy, the Policy Maximum may be applicable to a single incident, an entire year, or the insured’s policy lifetime.

      What policy maximum should I choose?

      The Policy Maximum a person should choose may depend on several factors such as:

      • The type of travel plans- If the trip involves more strenuous activities, a higher policy maximum may be the best option to cover any unforeseen medical illnesses or accidents.
      • The age of the traveler- Insurance plans may limit the amount an insured person in a specific age group (usually 70+) can have in terms of coverage. Eldery travelers tend to be limited at about $50k policy maximum, depending on the plan.
      • The cost of the plan- The higher policy maximum chosen, the higher the premium will be. Depending on how much a traveler has budgeted for travel insurance, it can impact how much coverage a person can afford.
      • Length of trip- If a traveler will be traveling for longer periods of time, it's advisable to get a higher policy maximum to cover the cost of any new sickness or injuries that may occur on their long journey.

      Ensure the amount you're choosing will cover you for any unexpected situations and allow you to travel with peace of mind.

      NOTE: The Policy Maximum is the outer limit of the insurance company's liability for covered expenses only. Not all treatment and services will be covered up to the Policy Maximum. All applicable limits and/or exclusions will apply.

      VisitorsCoverage
      Understanding Deductibles
      What is a deductible?

      This is the amount that you are responsible for paying before the insurance company begins to pay for any covered expenses.

      For example: if you purchase a plan with a USD $250 deductible and incur USD $1,500 in expenses, the insurance company will begin to reimburse for expenses as per the policy MINUS the deductible on the policy. For this type of plan, you need to pay the deductible only once per year, which means no matter how many medical services you have taken, the deductible is only applied once as long the length of policy is less than 12 months.

      What deductible should I choose?

      The deductible may apply either per year or per incident, depending on the policy. Generally, choosing a higher deductible can lower your premium, so you might consider this option if you want to reduce your overall cost.

      The choice also depends on your comfort level, and how much you are ready to pay as a deductible in the event you use the insurance. If there is not much difference in premium, then you may choose lower deductible. USD $100 or USD $250 can be a good choice.

      VisitorsCoverage
      Understanding Pre-Existing Coverage Limits
      What is the Pre-Existing Condition Policy Maximum?

      The Pre-Existing Condition Policy Maximum is the maximum amount the insurance company may be willing to pay for treatment and services the policyholder receives pertaining to their existing medical conditions.

      The Pre-existing condition policy maximum is per injury/sickness. After the pre-existing condition policy maximum is met, the policyholder will be responsible for any remaining medical expenses for treatment and services related to their pre-existing condition.

      What is the Pre-Existing Condition Deductible?

      The Pre-Existing Condition Deductible is the amount the policyholder is responsible for paying before the insurance company begins to pay for any pre-existing covered expenses. The pre-existing deductible is per injury/sickness.

      For example: if you purchase a plan with a USD $1,500 deductible and incur USD $5,000 in pre-existing condition expenses, the insurance company will begin to reimburse for expenses as per the policy MINUS the deductible on the policy. The pre-existing deductible needs to be fully met each time a policyholder utilizes the pre-existing condition coverage per injury/sickness.

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