Atlas Travel Insurance International Plan Guide
The Atlas Travel Insurance, International Plan is a flexible and comprehensive travel medical insurance plan designed for international travelers.
Administered by WorldTrips, a specialty insurance company under Tokio Marine HCC, this plan provides essential medical coverage, emergency benefits like emergency medical evacuation, and trip protection, trip cancellation, ensuring peace of mind for travelers traveling abroad.
Overview Of Atlas Travel Insurance USA
WorldTrips a leading international travel insurance company offers the Atlas travel insurance series of plans including:
- Atlas Travel International.
- Atlas Essential International.
- Atlas Premium International.
The Atlas Travel Plan is ideal for individuals, families, and groups needing reliable medical insurance for trips abroad.
The plan covers eligible medical expenses, emergency medical treatment, trip interruptions, and offers personal liability coverage, making it a popular choice for non-U.S. citizens.
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Key Benefits And Coverage
| Benefit | Coverage Details |
|---|---|
| Overall Maximum Limit | Up to $2,000,000 |
| Plan Deductible Options | $0 to $5,000 |
| Emergency Medical Evacuation | Up to $1,000,000 |
| Acute Onset of Pre-existing Conditions | Coverage available for sudden onset, subject to policy limits |
| Hospital Room and Board | Semi-private room rate, including inpatient hospitalization |
| Emergency Room Treatment | Co-pay of $200 per illness; waived if admitted |
| Trip Interruption | Up to $10,000 |
| Natural Disaster Evacuation | Replacement accommodations up to $250/day |
| Personal Liability Coverage | Up to $25,000 |
| Repatriation of Remains | Up to the elected overall maximum limit |
| Emergency Dental Treatment | Up to $300 for emergency pain relief |
| Crisis Response Fees | Up to $10,000, including ransom payments and personal belongings recovery |
Eligibility For Atlas Travel Plan
- Who Can Apply:
- Non-U.S. citizens and U.S. citizens traveling outside their home country with a travel insurance policy.
- Eligible for individuals, families, and groups.
- The minimum age-eligible for coverage is at least 14 (fourteen) days of age.
- Minimum Coverage Period:
- Coverage must be purchased for at least 5 days.
- Maximum Coverage Period:
- Up to 364 days per certificate period, with renewal options.
- Incidental Home Country Coverage:
- Provides coverage in the home country for up to 15 days (U.S.) or 30 days (non-U.S.), with conditions.
Key Benefits Of Atlas Travel Health Insurance
- Medical Coverage: Protects against covered illnesses, injuries, and emergency room facility fees. Includes medically necessary treatment for eligible conditions.
- Emergency Medical Evacuation: Covers transportation to the nearest suitable medical facility. Includes evacuation for emergency medical evacuation terrorism situations.
- Acute Onset of Pre-existing Conditions: Coverage for sudden and unexpected onset of pre-existing conditions.
- Trip and Travel Protections: Benefits for non-refundable trip costs, trip interruption, and natural disaster evacuation.
- Personal Liability: Protects against third-party damages during your trip.
How To Purchase Atlas International Insurance
The plan can be purchased online for instant coverage. Enter your travel dates and passport information to get started. Coverage is effective as soon as the plan deductible, insurance premium, and premium are paid, ensuring you’re protected during international travel.
Exclusions And Limitations
While the Atlas International Travel Medical Insurance Plan offers extensive coverage, it is important to be aware of certain exclusions and limitations. These include:
- Pre-Existing Medical Conditions: These are not covered under the policy.
- Quarantine Benefit: Expenses related to quarantine are not included.
- Hazardous Sports and Activities: Certain high-risk activities are excluded from coverage.
- Home Country Medical Expenses: Coverage for medical expenses incurred in your home country is limited.
- Travel Against Medical Advice: Medical expenses incurred while traveling against the advice of a physician are excluded.
- War, Terrorism, or Civil Unrest: Medical expenses resulting from these situations are not covered.
It is crucial to review the policy documents carefully to understand all exclusions and limitations of the Atlas International Travel Medical Insurance Plan. This ensures you are fully informed about what is and isn’t covered during your international travel.
Atlas America And International Coverage
Atlas Travel Insurance offers two distinct plans to cater to different travel needs:
- Atlas America Insurance: This plan is designed for travelers visiting the United States. It provides comprehensive coverage including emergency medical evacuation, hospitalization, emergency room treatment, and prescription medication.
- Atlas International Insurance: This plan is tailored for travelers visiting countries outside of the United States. It offers similar benefits to the Atlas America plan, ensuring travelers are covered for emergency medical evacuation, hospitalization, emergency room treatment, and more.
While both plans offer robust coverage, the coverage limits and deductibles may vary depending on the plan and the traveler’s age. It is essential to review the specific details of each plan to determine which one best suits your travel needs.
Each of these plans has unique features and benefits, making it important to review the policy documents carefully to determine which plan best suits your travel needs. Whether you are a digital nomad, part of a group, a frequent traveler, or visiting the U.S., there is a plan designed to provide the coverage you need for your international travel.
Conclusion
The Atlas Travel Insurance Plan offers reliable and flexible coverage, travel insurance coverage for international travelers. With benefits like emergency medical evacuation, coverage for pre-existing conditions, and personal liability, this plan is a dependable choice for travel protection. Purchase Travel Insurance USA today for peace of mind on your journey!
Frequently Asked Questions (FAQs)
What is Atlas Travel Insurance?
Atlas Travel Insurance is a comprehensive travel medical insurance plan offered by WorldTrips, designed for individuals traveling outside their home country. It provides essential protection against unexpected medical emergencies, travel mishaps, and other risks that travelers may face during their trips.
What are the key benefits of Atlas Travel Insurance?
The plan provides emergency medical coverage and personal liability protection. It also offers travel benefits like trip interruption and travel delays. Plus, it covers emergency evacuations, medical evacuation, and pre-existing conditions.
How does Atlas Travel Insurance handle pre-existing conditions?
Atlas covers pre-existing conditions and insurance coverage for the acute onset of these conditions. You need to submit documentation and follow specific procedures for coverage.
What are the different Atlas Travel Insurance plan options?
The Atlas travel plan, offered by WorldTrips, includes a range of plans designed to meet various travel needs. The options typically cater to international travelers, expatriates, students, and visitors to the U.S. Below are the plan options:
- Atlas America (for travel to the U.S.)
- Atlas International (for travel outside the U.S.)
- Atlas MultiTrip (for frequent travelers)
- Atlas Essential (for budget-conscious travelers)
How do I determine the cost of my Atlas Travel Insurance policy?
Your policy cost and insurance cost depend on age, trip duration, coverage limits, and deductible. Atlas offers different deductibles, which affect your premium. Review these factors and payment options to choose the right plan.
What is covered under the Atlas Travel Insurance emergency medical evacuation and repatriation benefits?
Atlas covers emergency medical evacuations, emergency evacuation, and repatriations. This includes transport to the nearest medical facility or home in case of illness or injury. It also covers unexpected events like terrorism and natural disasters.
What is the coverage for pre-existing conditions?
The plan includes coverage for acute onset of pre-existing conditions, medical insurance coverage provided the incident meets the plan’s requirements.
Is emergency dental treatment covered?
Yes, up to $300 for emergency pain relief and dental insurance due to injury.
Does the plan include trip protection benefits?
Yes, it covers trip protection benefits, trip insurance, trip interruption, non-refundable trip costs, and replacement accommodations.
