International Travel Medical Insurance Benefits in all over the world
The table below outlines the policy benefits available, per individual, on the Atlas Travel International Travel
Medical Insurance plan. Coverage is available for both US and Non-US Citizens who are planning to travel, study or
live abroad with coverage starting at just 5 days and up to 364 days inside the USA and 1 year outside the USA with
renewal possibilities of up to 3 years. Please review the table for full details and if you have any questions, please contact our customer support team for assistance.
| Benefits | Atlas Travel |
|---|---|
| Policy Maximum | $50,000, $100,000, $200,000, $500,000 or $1,000,000 (Ages 70 to 79: $50,000 or $100,000 limit; Ages 80+: $10,000 Limit) |
| Deductible | $0, $100, $250, $500, $1,000 or $2,500 The deductible is due once per certificate period |
| ER Co-Pay | $200 if not admitted to the hospital as an in-patient. Waived for Emergency treatment of injury. Only applies to Claims incurred in U.S. or Canada. |
| Urgent Care Co-Pay | $50 per visit, then coinsurance will apply — Not subject to the deductible. Only applies to Claims incurred in U.S. or Canada. |
| Provider Network | First Health Network |
| Coinsurance - Out of Network inside the USA/ Canada |
80% Coverage up to $5,000 100% after up to Policy Maximum |
| Coinsurance - Outside the USA/ Canada - In Network inside the USA |
100% Coverage |
| The following benefits are all subject to the deductible and coinsurance, unless otherwise stated: | |
| Hospital Room & Board | Average Semi-Private Room Rate |
| Local Ambulance | URC when results in hospitalization |
| Hospital Indemnity | $100 per day in addition to all other benefits |
| Intensive Care Unit | URC |
| Outpatient Treatment | URC |
| Acute onset of a Pre-existing Condition |
Overall Maximum Limit $25,000 Lifetime Maximum for Emergency Medical Evacuation |
| Prescription Medication | URC |
| Physical Therapy | $50 Maximum per day |
| All other medical expenses | URC |
| Terrorism | $50,000 limit for medical expenses only |
| The following benefits are not subject to the deductible or coinsurance, unless otherwise stated: | |
| Emergency Dental | Accident - URC Acute onset of pain - $250 Maximum |
| Medical Evacuation | $1,000,000 limit |
| Emergency Reunion | $50,000 limit, Maximum of 15 days |
| Bedside Visit | $1,500 limit |
| Return of Minor Children | $50,000 limit |
| Political Evacuation | $10,000 limit |
| Accidental Death and Dismemberment | Principal sum - $50,000 (18-69 years old) |
| Common Carrier Accidental Death | $50,000 per member (18-69 years old) Maximum $250,000 for any one family/ group |
| Repatriation of Remains | Overall Maximum Limit |
| Local Burial or Cremation | $5,000 |
| Natural Disaster Benefit | Maximum $100 for 5 days |
| Trip Interruption | $5,000 limit |
| Travel Delay | Maximum $100 a day, max 2 days after a 12-hour delay period requiring an unplanned overnight stay |
| Lost Checked Luggage | $500 limit |
| Pet Return | $1,000 to return a pet home if member is hospitalized |
| Crisis Response | $10,000 Maximum benefit per Certificate Period |
| Personal Liability | $10,000 lifetime maximum |
| Sports | Non-contact, leisure, recreational and fitness sports included, along with selected hazardous sports |
Please note -
The benefit table listed above is a consolidated version of the full plan benefits. Please
view the plan certificate for the full benefits and limitations of the plan.
Medical:
- Inpatient and Outpatient charges made by a Hospital.
- Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case.
- Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home.
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
- Charges for oxygen and other gases and anesthetics and their administration.
- Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
- Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital.
- Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization.
Complications of Pregnancy:
Treatment of Complications of Pregnancy during the first 26 weeks of
Pregnancy is covered under this insurance. Complications of Pregnancy is
defined as: Illnesses whose diagnoses are distinct from Pregnancy, but
are adversely affected by Pregnancy or caused by Pregnancy, and not
associated with a normal Pregnancy. This includes: ectopic Pregnancy,
spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia,
missed abortion and conditions of comparable severity.
Hospital Indemnity:
If you are hospitalized as an Inpatient for treatment of a covered
Illness or Injury, the Atlas Series will provide $100 for each night you
spend in the hospital. This benefit is in addition to payments for
other covered expenses and is not subject to Deductible or Coinsurance.
Acute Onset of a Pre-Existing Condition:
If you are under age 70, you are covered for an acute onset of a pre-existing condition. Coverage is available up to
the lifetime maximum for eligible medical expenses. This also includes a $25,000 lifetime maximum for emergency
medical evacuation. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of
a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician
recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or
recurrence.
Emergency Dental:
The following Emergency Dental expenses are covered: Emergency Dental
treatment and Dental surgery necessary to restore or replace sound
natural teeth lost or damaged in an Accident which is covered under this
insurance subject to the Overall Maximum Limit; and Emergency Dental
treatment necessary to resolve acute, spontaneous and unexpected onset
of pain subject to a maximum benefit of $250.
Emergency Medical Evacuation:
If recommended by your attending Physician, who certifies that
Evacuation is necessary to safeguard your life and that Medically
Necessary treatment is not available locally, and if approved in advance
and coordinated by HCC Medical Insurance services, the Atlas Series
will provide the following benefits: Emergency air and/or ground
transportation to the nearest Hospital that is qualified to provide the
Medically Necessary treatment.
Emergency Reunion:
In the event of a covered Emergency Evacuation, the Atlas Series will
provide the following benefits: The cost of an economy round-trip air
and/or ground transportation ticket for one of your relatives (parent,
spouse, sibling or child age 18 or older) for transportation to the area
where you are hospitalized following Emergency Evacuation and
reasonable expenses for lodging and meals for your relative, for a
period not to exceed 15 days.
Return of Minor Child(ren):
If you are the only person age 18 or older, traveling with one or
more child(ren) under the age of 18, who are also covered by the Atlas
Series, and you are Hospitalized for treatment of a covered Illness or
Injury resulting in the child(ren) being left unattended for a period of
time expected to exceed 36 hours, the Atlas Series will provide the
following benefit: The cost of a one-way economy air and/or ground
transportation ticket for each covered child to the terminal serving the
area of Principal Residence of each covered child.
Political Evacuation:
If the United States government issues a travel warning that becomes
effective after your arrival in your destination country, the plan will
provide for transportation to the nearest place of safety or for return
to your Home Country. You must contact HCC Medical Insurance Services;
within 10 days of the date the travel warning is issued and the
evacuation must be approved in advance and coordinated by HCC Medical
Insurance Services.
Terrorism:
The Atlas Series provides Medical coverage for Injuries and Illnesses
resulting from an Act of Terrorism, subject to a $50,000 lifetime
maximum, provided all of the following conditions are met:
- The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
- You have no direct or indirect involvement in the Act of Terrorism.
- The Act of Terrorism is not in a country or location where the United States government has issued a travel advisory that has been in effect within the 6 months prior to your date of arrival.
- You have not unreasonably failed or refused to depart a country or location following the date an advisory to leave that country or location is issued by the United States government.
An Act of Terrorism is defined as: an act, including but not limited
to, the use of force or violence and/or the threat thereof, of any
person or group(s) of persons, whether acting alone or on behalf of or
in connection with any organization(s) or government(s) committed for
political, religious, ideological or similar purposes including the
intention to influence any government and/or to put the public, or any
section of the public, in fear.
Accidental Death and Dismemberment:
In the event of your Accidental Death (except while traveling on a
common carrier) or Dismemberment resulting from a covered Injury, the
Atlas Series will provide the following benefit:
- Accidental Death – Principal Sum to the Beneficiary designated on your Application
- Loss of 2 eyes or 2 or more limbs – Principal Sum to you
- Loss of 1 eye or limb – One Half of the Principal Sum to you
| Age | Principal Sum |
| 14 days to 17 years | $5,000 |
| 18 to 69 | $50,000 |
| 70 to 74 | $12,500 |
| 75+ | $6,250 |
The Accidental Death and Dismemberment benefit is not available for
losses incurred during participation in a Hazardous Sport or in respect
to losses resulting from an Act of Terrorism.
Common Carrier Accidental Death:
In the event of your Accidental Death while traveling on board a
commercial common carrier, the Atlas Series will
provide the following benefit: Principal Sum of $50,000 ($25,000 for
children under age 18), subject to a maximum of $250,000 per family, to
the Beneficiary designated on your Application. This benefit is not
available in respect to losses resulting from an Act of Terrorism.
Repatriation of Remains:
In the event of a covered Injury or Illness resulting in your death,
the Atlas Series will provide the following benefit: Air and/or ground
transportation of bodily remains or ashes to the area of your Principal
Residence, and reasonable costs of preparation of your remains necessary
for transportation.
Natural Disaster Coverage:
In the event of natural disaster (hurricane, flood, tornado, tsunami,
etc) the Atlas Series will provide up to $100 a day for 5 days if the
member is Displaced from planned, paid accommodations due to evacuation
from forecasted disaster or following a disaster strike. Displaced is
defined as required to depart the destination due to an evacuation
ordered by prevailing authorities. Proof of paid accommodations must be
submitted at time of claim.
Trip Interruption:
If, after you have departed, you learn of the death of a parent, spouse, sibling, child or grandchild, or you learn
of the substantial destruction of your Principal Residence by fire or weather, the Atlas Series will provide the
following benefit: The cost of an economy one way air and/or ground transportation ticket for you to the area of
your Principal Residence; or If, following a covered Emergency Medical Evacuation, the attending Physician states
that it is Medically Necessary for your return to your Home Country or to the area from which you were initially
evacuated for continued treatment, recuperation and recovery, the Atlas Series will provide the following benefit:
The cost of a one-way economy air and/or ground transportation ticket for your transportation from the area where
you were hospitalized following the Emergency Evacuation, to the area where you were initially evacuated from, or to
the terminal serving the area of your Principal Residence.
Lost Checked Luggage:
In the event your checked luggage is permanently lost by the carrier, the Atlas Plan will provide the following
benefit: Up to $500 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You
must file a formal claim with the transportation provider and provide copies of all claim forms and proof that the
transportation provider has paid you its normal reimbursement for the lost checked luggage.
Crisis Response:
Atlas Travel offers up to $10,000 to off set costs associated with
kidnapping such as ransom, crisis response expenses, and loss of
personal belongings. This benefit includes access to the services of
Unity Crisis Group for advice, coordination with law enforcement, and
negotiations during a kidnapping.
Sports:
The plan includes coverage for eligible injuries and illnesses that could occur while participating in many popular
vacation sports — skiing, snowboarding, snorkeling, water skiing, and others — at no additional cost.
Certain extreme sports are excluded from coverage, please see the plan exclusions for more details.
Travel Delay:
That plan will provide reimbursement for reasonable accommodations and meals when a Member’s delay requires an
unplanned overnight stay, and the delay must be twelve (12) hours or more and certified due to the following reasons:
a) delay of Common Carrier (which is certified by the Common Carrier), b) a traffic accident while enroute to the
point of departure from an airport outside of the Member’s Home Country (substantiated by a police report), c)
Organized Labor Strike, or the Member being hijacked or quarantined; or d) Stolen passports, travel documents and
(substantiated by a police report)
Pet Return:
The plan will pay for the cost of a one-way economy air and/or ground transportation ticket for a pet to be returned
to the terminal serving the area of the Member’s Principle Residence providing a) the Member is the only person age
18 or older traveling with the pet, and b) The Member is hospitalized for treatment of a covered Illness or Injury,
resulting in the pet being left unattended for a period of time expected to exceed 36 hours.
Bedside Visit:
The plan will pay the cost of an economy round-trip air or ground transportation ticket for one Relative of the
Member for transportation to the terminal serving the area when the Member is confined to a Hospital Intensive Care
Unit following a covered life-threatening bodily Injury or life- threatening Illness
Personal Liability:
Atlas Travel offers up to $10,000 to off set the following types of
court-entered eligible judgments or approved settlements incurred by the
member:
- Third-party injury;
- Damage/loss of a third party’s personal property;
- Damage/loss of a related third party’s personal property
What Travel Assistance Services are Included?
The following Assistance Services are included this plan:
- Pre-Trip Destination Information – Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country.
- Medical Monitoring – Consultations with attending medical professionals during your hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding your medical status.
- Provider Referrals – Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your destination country where English is spoken
- Travel Document Replacement – Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents
- Lost Luggage Assistance – Tracking service to assist in locating luggage or other items lost in transit.
- Other important Atlas travel Assistance Services include:
- Prescription Drug Replacement
- Emergency Travel Arrangements
- Dispatch of Physician
- Translation Assistance
- Credit Card/Traveler Check Replacement
Atlas travel Assistance Services are not insurance benefits and provision of any Atlas travel Assistance Service is
not a guarantee of any other benefit under the Atlas Series.
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