Overview
Overview
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 details.
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
Pre-existing conditions are typically 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:
Please review your policy document for any other limits or exclusions.
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:
Please review your policy document for any other limits or exclusions.
Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition , or ailment that, with reasonable medical certainty , existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, related, or disclosed to us prior to the effective date , and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
- Up to policy maximum: Age 69 and below
- Up to $30,000: Age 70 and above
An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met: a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; c) You must be under eighty (80) years of age; d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; f) You must be traveling outside your home country
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Emergency Services
Hospital emergency services (certain limits may apply).
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
Travel Coverage
Travel-related coverage
COVID-19 Benefits
Covid-19 related benefits and coverage
Other
Other types of coverage not mentioned above.
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.
CoverAmerica-Gold®
Atlas America
Disclaimer
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.
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.
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.
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.
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.
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.
