Atlas Group Insurance Plan Guide
Atlas Group Travel Insurance offers comprehensive coverage tailored for group travelers, ensuring peace of mind and financial protection throughout your journey.
Whether you’re traveling with family, friends, or colleagues, this group travel insurance plan from WorldTrips is designed to meet the unique needs of group travel insurance.
From medical emergencies to trip cancellations, Atlas Group Travel Insurance provides essential group trip insurance with medical and non-medical benefits.
In this guide, we’ll break down the features, benefits, and eligibility criteria of the Atlas group travel insurance policy.
Atlas Group travel medical insurance is one of the best options to get coverage for an entire group. Let’s navigate international group travel medical insurance options and choose the right group travel insurance policy for your trip.
Key Features Of Atlas Group Insurance
- Group Travel Insurance Coverage: This coverage is designed for groups of five or more travelers and offers shared travel insurance benefits at discounted rates.
- Flexibility And Customization: Options to personalize coverage based on the group’s needs, including varying benefit limits and deductibles.
- Comprehensive Coverage: Includes benefits like medical expenses, trip interruption, and urgent care insurance plans.
- Global Travel Assistance: Access to medical assistance coordinators and emergency services 24/7, ensuring you are pleasantly supported throughout your journey.
Please note: This is a group travel medical insurance plan and not a group trip insurance policy. There are differences and overlap in coverage between travel insurance and trip insurance plans.
What Is Group Travel Insurance, And How Does It Work?
Group travel insurance coverage is a type of travel insurance specifically designed for groups of travelers, usually five or more members, traveling together for the same trip.
Group travel medical insurance works by pooling coverage for all members into a single policy, simplifying administration while ensuring everyone is protected against common travel risks.
The group travel medical insurance policy typically includes benefits like medical expenses, trip cancellations, lost baggage, and emergency evacuation.
Here’s How It Works:
- Application: The group organizer applies for coverage, providing details such as the number of travelers, trip duration, and destination.
- Custom Coverage: The group can choose the desired coverage limits, deductibles, and optional add-ons like AD&D (Accidental death and dismemberment).
- Shared Benefits: The policy provides the same coverage for all members. If a claim arises, individuals can file separately while the policy remains active for the rest of the group.
What Is Atlas Group Travel Insurance?
- Atlas group travel insurance is a type of insurance that provides coverage for groups of 5 or more travelers visiting the same destination with similar travel dates.
- The plan offers comprehensive coverage for unexpected events such as trip interruption, medical emergencies, and travel delays.
- It typically covers eligible medical expenses, trip cancellations, and interruptions, as well as travel delays and lost or stolen luggage.
- It also offers medical and travel-related benefits, including emergency medical evacuations and travel assistance services.
- It’s an essential consideration for any group trip, whether domestic or international.
Atlas Group Insurance Plan
- Atlas Group Insurance Plan offers coverage for groups of 5 or more travelers.
- At a 10% reduced rate for travel groups of 5 or more.
- The plan provides comprehensive coverage for unexpected events such as trip cancellations, medical emergencies, and travel delays.
- The Plans are designed to provide peace of mind for group travelers, allowing them to focus on their trip rather than worrying about unexpected events.
What Types Of Coverage Are Offered By Atlas Group Insurance Plans?
The Atlas Group Insurance Plan provides comprehensive coverage, including:
- Medical Coverage: Protection for unexpected medical expenses, including hospitalization, outpatient care, and emergency dental treatment.
- Trip Cancellation/Interruption: Reimbursement for prepaid, non-refundable costs if the trip is canceled or interrupted due to covered reasons.
- Emergency Evacuation and Repatriation: Coverage for emergency medical evacuation to the nearest suitable hospital and return of remains.
- Lost or Delayed Baggage: Compensation for delayed or lost luggage, including essential items like clothes and toiletries.
- Personal Liability: Covers damages or injuries caused to third parties during the trip.
- Crisis Response: Assistance and coverage for emergencies like kidnapping or political evacuation.
- Natural Disaster Accommodations: Coverage for additional lodging expenses due to natural disasters.
Optional add-ons include enhanced accidental death and dismemberment benefits and additional liability coverage.
Benefits Of Atlas Group Insurance
Hospital And Medical Coverage
- Covers unexpected medical expenses, including eligible medical expenses like hospitalization, surgeries, and physician visits.
- Emergency Medical Evacuation: Up to $1,000,000 for urgent transport to the nearest appropriate medical facility.
- Acute Onset of Pre-Existing Conditions: Limited coverage for sudden and unexpected flare-ups.
- Comprehensive Coverage: Atlas Group Insurance Plans offer comprehensive coverage for unexpected events, providing peace of mind for group travelers.
- Flexible coverage: The plan offers flexible coverage options, allowing groups to customize their coverage to meet their specific needs.
- Affordable Option: Atlas Group Insurance Plans offer competitive pricing, making them an affordable option for groups of 5 or more travelers.
Atlas Group Insurance Plan – Benefits Overview
| Plan Benefits | Coverage Limits |
|---|---|
| Overall Maximum Limit | $50,000 to $2,000,000 (varies by age and plan) |
| Deductibles | $0 to $5,000 per certificate period |
| Coinsurance | 100% of eligible expenses after deductible (up to limit) |
| Emergency Room Co-payment (U.S.) | $200 per use (waived if admitted); $0 outside the U.S. |
| Hospital Room and Board | Average semi-private room rate |
| Intensive Care Unit | Up to the overall maximum limit |
| Emergency Dental (Acute Onset of Pain) | Up to $300 |
| Emergency Eye Exam | Up to $150 ($50 deductible waived for plan) |
| Outpatient Physical Therapy/Chiropractic Care | Up to $50 per day (requires physician order) |
| Acute Onset of Pre-existing Conditions | Up to the overall maximum limit |
Emergency Travel Benefits
| Benefit | Coverage Limit |
|---|---|
| Emergency Medical Evacuation | Up to $1,000,000 |
| Repatriation of Remains | Up to the elected overall maximum limit |
| Return of Minor Children | Up to $50,000 |
| Political Evacuation | Up to $ 100,000-lifetime maximum |
| Trip Interruption | Up to $10,000 |
| Emergency Reunion | Up to $100,000 (15-day max stay) |
Baggage Protection Benefits
| Benefit | Coverage Limit |
|---|---|
| Lost Checked Luggage | Up to $1,000 |
| Travel Delay | $100 per day after a 12-hour delay (max 2 days) |
| Lost or Stolen Passport/Travel Visa | Up to $100 |
| Natural Disaster Replacement Accommodations | $250/day for up to 5 days |
Trip Protection And Total Trip Cost Coverage
- Trip Cancellation and Interruption: Reimbursement for non-refundable costs if the trip is interrupted or canceled for covered reasons
- Natural Disaster Replacement Accommodations: Cover additional lodging expenses if your planned accommodation becomes unavailable
- Travel Delay: Reimbursement for meals and lodging during significant delays
Optional Add-ons
- Enhanced coverage for accidental death and dismemberment or higher benefit limits
Liability And Crisis Response
- Personal Liability: Protects against damages to third parties or their property
- Crisis Response: Coverage for ransom and emergency assistance during crises like kidnapping
Atlas Group Insurance Eligibility Criteria
- Available for international groups of five or more travelers
- Travelers must be at least 14 days old
- Coverage extends to non-U.S. citizens traveling outside their home countries and U.S. citizens traveling internationally
- Age restrictions apply:
- Maximum coverage of $10,000 for travelers aged 80 or older
- Options up to $2,000,000 for younger travelers aged below 65 years old
Why Choose Atlas Group Insurance?
- Cost Efficiency: Groups can save significantly compared to individual plans.
- Comprehensive Travel Insurance Plan: Provides robust protection for unexpected costs incurred during the trip.
- Superior Customer Support: Backed by medical assistance coordinators and an experienced team for a timely response to claims and emergencies.
- Exceptional Customer Service: Our team is a rare breed of dedicated professionals, ensuring you receive the best support during your travels.
How To Apply For The Plan
- Applications can be completed online for instant coverage. Ensure you provide accurate trip details, including trip departure date and trip deposit information.
- Consider starting the application early to secure coverage for the total trip cost.
Choosing The Right Group Travel Insurance Plan
- When choosing a group travel insurance plan, consider:
- Number of travelers
- Travel destination
- Coverage duration
- Travel insurance plan cost
- Basic coverages and emergency services
- Consider the type of coverage needed, including trip cancellation, medical coverage, and travel delay coverage.
- WorldTrips part of the Tokio Marine HCC Group offers personalized group travel insurance plans, allowing groups to customize their coverage to meet their specific needs.
How Do I Choose The Right Group Travel Insurance Plan For My Group
Choosing the right plan depends on several factors:
- Group Needs: Assess the unique requirements of your group. For instance, families may prioritize medical coverage, while business groups may value liability coverage.
- Destination: Some destinations have higher medical costs or unique risks, like political instability or natural disasters. Ensure the plan covers these.
- Trip Duration: Longer trips might require more extensive benefits, like extended medical coverage or higher limits for trip interruption.
- Activities Planned: If your group will participate in adventurous activities, ensure the plan covers sports or hazardous activities.
- Coverage Limits: Decide on the overall maximum limit for medical expenses, evacuation, and liability based on the group’s risk exposure.
- Budget: Compare the cost of the plan, typically five to seven percent of the total trip cost, with the level of coverage offered.
- The reputation of the Insurer: Opt for reliable travel insurance providers like WorldTrips, which offer excellent customer support and global assistance.
- Flexibility and Customization: Look for plans that allow personalized add-ons and benefit adjustments to suit your group’s specific needs.
By considering these factors, you can select a plan that offers the best protection while meeting your group’s financial and logistical requirements.
Claims And Assistance
- 24/7 travel assistance services to provide support for emergencies.
- With online claims submission and tracking, the claims process is easy and efficient.
- A dedicated claims team will assist with any questions or concerns.
- Travel assistance services to help with emergencies, such as finding the nearest hospital or arranging for medical evacuations.
Get A Quote And Buy Group Travel Insurance Coverage
- You can get a quote online or by phone with one of the licensed insurance professionals.
- Purchase coverage online or by phone, with options for payment by credit card or check.
- Review and customize your coverage options to fit your group’s specific needs.
- Receive your policy documents and ID cards via email or mail.
Conclusion
The Atlas Group Insurance Plan is an excellent choice for groups embarking on international trips. With a wide range of benefits, customizable options, and competitive pricing, it’s a top-tier solution for protecting your trip investment and ensuring smooth travels.
Ready to secure your group’s safety? Explore the plan and apply today to enjoy peace of mind on your next international journey.
FAQs About Atlas Group Insurance Plan
1. What is Atlas Group Insurance?
Atlas Group Insurance is a group travel insurance plan designed for groups of five or more international travelers. It offers comprehensive coverage, including medical expenses, trip protection, and emergency assistance.
2. What does group travel insurance typically cover?
Group travel insurance typically covers medical expenses, trip cancellation, lost baggage, travel delays, and emergency medical evacuation. Atlas Group Insurance extends additional benefits like personal liability and crisis response.
3. How is Atlas Group Insurance different from individual plans?
Atlas Group Insurance offers discounted rates for groups and provides the same robust coverage as individual plans. It simplifies administration for group organizers while ensuring every traveler is adequately covered.
4. What are the benefit limits of the Atlas Group Insurance Plan?
Benefit limits depend on the chosen plan. Coverage options range from $50,000 to $2,000,000, with specific limits for medical evacuation, trip interruption, and baggage loss.
5. Does Atlas Group Insurance cover pre-existing medical conditions?
The plan offers limited coverage for the acute onset of pre-existing conditions, provided certain criteria are met. Chronic or routine treatments are typically excluded.
6. How much does the Atlas Group Insurance plan cost?
The cost depends on the group’s size, coverage options, destination, and trip duration among other factors.
7. What assistance is provided during a medical emergency?
Atlas Group Insurance offers 24/7 access to medical assistance coordinators who can arrange care, including hospital admission, medical evacuation, and repatriation of remains if necessary.
8. How do I apply for the Atlas Group Insurance Plan?
You can apply online. For accurate processing, be ready with your trip details, including destination and entire group members’ names and trip departure date and return date.
9. Does Atlas Group Insurance cover trips to Cuba?
Yes, this plan covers travelers as long as they comply with the Cuba Travel Compliance Certification.
