Atlas International Premium Travel Insurance Plan Guide
The Atlas International Premium travel insurance plan, also known as Atlas International Insurance, is a leading choice for international travelers seeking comprehensive coverage outside their home country.
Offered by WorldTrips international travel insurance company and underwritten by specialty insurance company.
Atlas travel insurance plan provides flexible policy maximums, including emergency medical evacuation and trip interruption, emergency dental treatment, emergency room treatment, and other benefits tailored for those traveling abroad.
Overview Of The Atlas International Premium Plan
WorldTrips offers the Atlas travel insurance series of plans including:
- Atlas Travel International.
- Atlas Essential International.
- Atlas Premium International.
The Atlas international insurance series of plans are to provide medical coverage for International Travel and Atlas America is one of their hottest-selling travel medical insurance plans amongst parents visiting the USA.
The Atlas International travel medical insurance plan is designed for non-U.S. citizens and residents who require travel medical insurance while outside their home country.
With robust features like coverage for eligible medical expenses, pre-existing conditions, and emergency medical evacuation, it ensures peace of mind for travelers facing unexpected events during international travel.
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Key Coverage Benefits Of Atlas Premium International Travel Medical Insurance
| Benefit | Details |
|---|---|
| Overall Maximum Limit | Up to $2,000,000, based on the chosen policy maximum |
| Plan Deductible Options | $0 to $5,000, offering flexibility in premium costs |
| Emergency Medical Evacuation | Up to $1,000,000 for transportation to the nearest appropriate facility |
| Acute Onset of Pre-existing Conditions | Coverage available for sudden and unexpected outbreaks, subject to plan limits |
| Emergency Room Facility Fee | Covered for eligible expenses related to illness and injury; subject to the selected deductible |
| Hospital Room and Inpatient Care | Coverage for inpatient hospitalization and hospital room costs |
| Crisis Response | Up to $100,000 |
| Personal Liability Coverage | Up to $100,000 |
| Incidental Home Country Coverage | Up to 15 days during the certificate period for U.S. home countryNon-US home country: up to 30 days |
| Trip Interruption | Up to $15,000 |
| Natural Disaster Evacuation | Coverage for accommodations or evacuation due to disasters |
| Emergency Dental Treatment | Up to $ 300 for sudden dental issues |
| Common Carrier Accident | Coverage for accidental death or injury during travel |
Eligibility For The Atlas International Premium Plan
- Who Can Apply:
- Non-U.S. citizens or U.S. Citizens traveling outside their home country.
- Travelers looking for medical coverage during short or extended stays abroad.
- Minimum Coverage Period:
- Policies must be purchased for at least five days of travel.
- Maximum Coverage Period:
- Up to 364 days per certificate period, with renewal options.
- Plan Renewal:
- Extend coverage easily if your travel plans are prolonged.
Pre-Existing Conditions And Coverage
The Atlas International travel medical insurance plan provides pre-existing condition cover but with certain limitations.
The plan only covers the acute onset of pre-existing conditions. You may be eligible for coverage if you have a pre-existing condition that suddenly worsens or becomes severe during your trip, you may be eligible for coverage. This coverage is only available for individuals under the age of 80.
To be eligible for coverage of pre-existing conditions, you must meet the following requirements:
- You must have purchased the Plan before your trip.
- You must be traveling outside your home country.
- You must have a pre-existing condition that is not excluded under the plan.
- You must have a sudden and unexpected onset of symptoms related to your pre-existing condition during your trip.
- You must seek medical attention within 24 hours of the onset of symptoms.
The plan will cover eligible medical expenses related to the acute onset of pre-existing conditions, up to the policy maximum. However, it’s essential to note that pre-existing conditions are not covered if they are not acute onset, and some conditions may be excluded altogether.
Exclusions And Limitations Of The Atlas International Premium Plan
While the Atlas International Premium Plan provides comprehensive coverage for international travelers, there are some exclusions and limitations to be aware of. Here are some of the key exclusions and limitations:
- Pre-existing conditions that are not acute onset are not covered.
- Certain medical conditions, such as cancer, HIV/AIDS, and pregnancy, are excluded from coverage.
- Cosmetic surgery and elective procedures are not covered.
- Expenses related to pregnancy, childbirth, or abortion are not covered.
- Expenses related to mental health conditions, such as anxiety or depression, are not covered.
- Expenses related to substance abuse or addiction are not covered.
- Expenses related to war, terrorism, or civil unrest are not covered.
- Expenses related to participation in hazardous activities, such as skydiving or bungee jumping, are not covered.
In addition to these exclusions, there are also some limitations to be aware of:
- The plan has a maximum coverage limit of $200,000 for individuals under the age of 65 and $100,000 for individuals over the age of 65 to 79. For Age 80 or older its $20,000.
- The plan has a deductible of $0 to $5,000 per certificate period, depending on the chosen deductible.
- The plan has a maximum coverage limit of $1,000,000 for emergency medical evacuation.
It is essential to carefully review the policy documents and understand the exclusions and limitations of the Atlas International Premium Plan before purchasing. Travel medical insurance only pays for eligible medical expenses as per the terms of the policy.
How To Use The Atlas International Plan In An Emergency
- Emergency Medical Evacuation:
- Contact the 24/7 assistance hotline for immediate coordination of local ambulance services or medical evacuation.
- Pre-approval is required to ensure benefits for eligible medical expenses.
- Hospital Visits:
- Present your plan ID at the emergency room or inpatient hospitalization facility.
- The deductible hospital indemnity will apply per incident.
- Claims Filing:
- Submit claims promptly for all medical expenses incurred during your travel.
Pros And Cons Of The Atlas International Premium Plan
Pros:
- Extensive medical evacuation and crisis response fee coverage.
- Coverage for acute onset of pre-existing conditions.
- Flexible plan deductible and policy options to suit various budgets.
- Personal belongings protection and trip interruption coverage.
Cons:
- Benefits for pre-existing conditions are limited to acute onset only.
- Coverage does not include routine check-ups or preventive care.
Why Choose The Atlas International Premium Plan?
The Atlas International travel insurance plan is an all-encompassing solution for international travelers. With personal liability coverage, and comprehensive medical insurance, it is ideal for individuals and groups alike.
How To Purchase The Atlas International Premium Plan
You can purchase Atlas International Premium online by entering your travel dates and passport number. The plan provides instant access to coverage and ensures you’re prepared for the unexpected during your journey.
Conclusion
The Atlas International Premium travel insurance plan offers a complete package for travelers with its maximum limit benefits, flexible options, and coverage for a wide range of situations. Whether you’re traveling for leisure or business, purchase coverage today and embark on your trip with confidence, knowing you’re protected by one of the top names in health insurance for travelers abroad.
FAQs about Atlas International Premium Travel Insurance
What is the Atlas International Premium travel insurance plan?
The Atlas International Premium travel insurance plan is designed for international travelers. It offers medical, travel, and emergency benefits. This plan aims to provide reliable protection and peace of mind.
Who is the Atlas International Premium plan intended for?
The Atlas International Premium plan is for international travelers, including non-U.S. citizens. It’s perfect for those looking for comprehensive coverage for their trips abroad. It suits both leisure vacationers and business professionals.
What are the key features and benefits of the Atlas International Premium plan?
The plan has many benefits. It includes emergency medical evacuation and coverage for acute onset of pre-existing conditions. The plan also covers hospital room and board, trip interruption, personal liability protection, and natural disaster evacuation.
It provides robust coverage for unexpected situations while traveling internationally.
What are the coverage territory and eligibility requirements for the Atlas International Premium plan?
The Atlas International Premium plan covers you worldwide, except in your home country. You need a minimum of 5 days and a maximum of 364 days per certificate period. Non-U.S. citizens can purchase this plan.
How do the medical coverage, emergency medical evacuation, and emergency services work under the Atlas International Premium plan?
The plan offers strong medical coverage. It includes emergency medical evacuation and coverage for acute onset of pre-existing conditions. You also get a hospital room and board. The emergency medical evacuation limit is not subject to deductibles.
In a medical emergency, you’ll have access to a network of medical providers. You’ll also get 24/7 travel assistance services.
What travel-related protections and benefits are included in the Atlas International Premium plan?
The Atlas International Premium plan offers valuable travel-related benefits. It includes trip interruption coverage, personal liability protection, and natural disaster evacuation. It also provides crisis response services.
These features help protect your trip investment and offer support during unexpected situations.
How do I choose the right coverage level and understand the policy maximum and deductible options?
The plan offers various policy maximum and deductible options. When choosing your coverage level, consider your trip duration, destination, and expected medical expenses. The plan also offers flexibility in premium calculations and payment plans.
What are the claims process and documentation requirements for eligible medical expenses under the Atlas International Premium plan?
To file a claim, follow the established claims process and provide the necessary documentation. This includes details about your covered illness or injury and related expenses. The plan’s overall maximum limit and covered benefits determine your coverage extent.
What emergency assistance and support services are available with the Atlas International Premium plan?
The plan includes 24/7 travel assistance features. You’ll have access to a network of medical providers and crisis response services. These resources help you navigate medical emergencies and find appropriate care during your international trip.
Are there any optional add-ons or enhanced coverage options available with the Atlas International Premium plan?
Yes, the plan offers optional add-ons. These include border entry protection, incidental home country coverage, common carrier accident benefits, and personal belongings protection. These additional features allow for customization to meet your specific travel needs.
Does the plan cover natural disasters?
Yes, the plan includes deductible natural disaster evacuation and replacement accommodations.
Is there coverage for emergency dental treatment?
Yes, emergency dental expenses are covered up to $1,000 for sudden injuries.
Can I purchase this plan for multiple countries?
Yes, the Atlas International plan is valid for travelers traveling outside the home country and visiting multiple countries during the coverage period.
