Trekker Choice insurance plan is a travel medical insurance plan that provides health coverage and emergency services to individuals traveling multiple times outside of their home country in increments of 70 days within a year period. After the deductible is satisfied, for eligible treatment and services, the plan pays 100% up to the policy maximum.
Please review Trekker Choice's Policy Document for complete and accurate coverage and exclusions.
Trekker Choice
Comprehensive Coverage,
Underwriter: 4Ever Life Insurance Co.
No optional add-on benefits on this plan.
How Trekker Choice Works
100%
Out of Network
After deductible, 100% up to policy maximum See How Trekker Choice Works.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
100% up to Policy Maximum
Hospitalization
100% up to Policy Maximum
Medical Evacuation
Up to $500000
Urgent Care
Not Available
Pre-Existing Condition
Coverage
Schengen Visa Requirement
Yes
Prescription
Up to $5000
Emergency Dental Coverage
Up to $300
Emergency Room
100% up to Policy Maximum
Pre-Existing Condition
Coverage
Hospitalization
100% up to Policy Maximum
Schengen Visa Requirement
Yes
Medical Evacuation
Up to $500000
Prescription
Up to $5000
Urgent Care
Not Available
Emergency Dental Coverage
Up to $300
*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
- U.S residents ages 14 days to 95 years
- Multiple trips within a 364-day coverage period, with each trip lasting 70 days or less.
- Must have a primary health insurance policy to be eligible for the plan
- Optional add-on benefits No Optional add-on benefits
- Cancellation & Refund Info
- How This Plan Works?
- Claim Information
- What is Not Covered (Exclusions)
- Plan Brochure
- Sample Description of Coverage
Medical Coverage
Medical coverage details.
Eligible Medical Expenses
In-Network
In-Network
Not covered
Out-Network
Out-Network
100% up to policy maximum
Available Policy Maximums
Available Policy Maximums
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
Limits may vary based on age or destination of traveler
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
Pre-Existing Conditions
Pre-Existing Conditions
Plan requires the policyholder to have a primary health plan, to be eligible for coverage and pre-existing conditions.
Worsening of pre-existing conditions can be covered up to the policy maximum
Worsening of pre-existing conditions can be covered up to the policy maximum
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Not covered
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
Up to $5,000
Dr. / Physician Visit
In-Network
In-Network
Not covered
Out-Network
Out-Network
100% up to policy maximum
Urgent Care
In-Network
In-Network
Not covered
Out-Network
Out-Network
Not covered
Surgical Treatment
In-Network
In-Network
Not covered
Out-Network
Out-Network
100% up to policy maximum
Lab & X-rays
In-Network
In-Network
Not covered
Out-Network
Out-Network
100% up to policy maximum
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
In-Network
In-Network
Not covered
Out-Network
Out-Network
100% up to Policy Maximum
Dr. / Physician Visit
In-Network
In-Network
Not covered
Out-Network
Out-Network
100% up to policy maximum
Surgical Treatment
In-Network
In-Network
Not covered
Out-Network
Out-Network
100% up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
In-Network
In-Network
Not covered
Out-Network
Out-Network
Up to $1,000
Emergency Room
In-Network
In-Network
Not covered
Out-Network
Out-Network
100% up to Policy Maximum
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 accidents and acute onset of pain
Travel Coverage
Travel-related coverage
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $500,000
Return of Mortal Remains
Return of Mortal Remains
Up to $25,000
Trip Interruption
Trip Interruption
Not covered
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 Testing
COVID-19 Testing
Not covered
COVID-19 Vaccine/Booster
COVID-19 Vaccine/Booster
Not covered
COVID-19 Quarantine Coverage
COVID-19 Quarantine Coverage
Not covered
Other
Other types of coverage not mentioned above.
Preferred Rates
Preferred Rates
Not covered
Trekker Choice Exclusions
What is not covered
Trekker Choice FAQs
All questions are answered by our Licensed Travel Insurance Consultants.
U.S residents with a primary health insurance plan who are at least 14 days of age and up to 95 years of age traveling throughout the year can purchase a Trekker Choice plan. Coverage will be outside of the traveler's home country.
A policyholder under the Trekker Choice plan can travel for increments of 70 days or less during a 364-day coverage period. After the chosen coverage timeframe has passed, the policyholder must return home before traveling again to receive coverage.
Trekker Choice can cover COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
You will need the names of the travelers, coverage duration, date(s) of birth, country of residence, citizenships, destinations, home country address, email address, primary plan type, phone number and a valid credit card.
Coverage will be provided in all eligible countries visited except your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
The Trekker Choice plan is only cancelable prior to the certificate's effective date. Premiums are fully earned on the certificate effective date and are non-refundable thereafter.
The Trekker Choice is available to those who have primary medical insurance (a Primary Plan) inside the U.S. and will cover medical treatments for pre-existing conditions up to the policy maximum selected.
Please refer to the following article about the policy usage: How to use Visitor Insurance?
Please refer to the following article concerning the claim process: Visitor Insurance Claim Process
Coverage on the travel medical insurance plan will begin on the date of departure (12:01am EST) and once the traveler has left their home country. Coverage areas are anywhere outside one's home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 11:59pm EST on the last date of coverage.
Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Learn more from informative articles at the Visitor Insurance Information section.
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- Emergency Medical Evacuation
- Trip Interruption
- Loss of Checked Luggage
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Dental Coverage
- Emergency Eye Exam Coverage
- Terrorism Coverage
- Covid-19 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.
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.
