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Atlas
Travel
Medical Insurance
Travel insurance, International travel insurance,
Student Travel Insurance, International Travel Medical
Insurance Coverage, International medical insurance &
Short Term Travel medical insurance.
The industry-leading Atlas
Travel Medical Insurance Series now includes many new
benefits, services and features that make it a leading
option for individuals and families who travel
internationally. The policy now includes a benefit to be
used in case of Natural Disasters and improved coverage
for Incidental Trips Home. This innovative product also
includes coverage for Acts of Terrorism and
Complications of Pregnancy. Non-US citizens traveling
outside of the US will benefit from our updated rating
structure. State of the art travel and emergency medical
assistance services are part of every Atlas Travel
Series plan. In addition, the Atlas Travel Series allows
you to extend and/or renew your coverage for up to 36
months. The features are accompanied by the same
astonishing service you have come to expect from MultiNational Underwriters®, the leader in
international travel medical insurance.
Why Buy
Travel Insurance?
The answer is
easy. Whether you travel for business or pleasure,
international travel involves risk. You may arrive at
your destination to find that your luggage with personal
items has disappeared. A personal emergency may
necessitate your early return to your Home Country. A
medical emergency may require hospitalization or even
air evacuation. In most cases, your existing insurance
will not provide adequate protection for these and other
risks. Without appropriate travel insurance, you may be
in jeopardy of significant financial liability.
MultiNational Underwriters® can’t take the
risk out of international travel, but if the unforeseen
happens, we will be there to help you.
Am I
Eligible for the Atlas Series?
If you are
traveling outside of your Home Country and are at least
14 days old, you are eligible for coverage. If you are
under age 70, you may select your Overall Maximum Limit,
ranging from $50,000 to $1,000,000. If you are age 70 to
79, the Overall Maximum Limit available is $50,000. If
you are age 80 or older, the Overall Maximum Limit
available is $10,000. The minimum coverage period is 5
days and the maximum initial coverage period is 12
months.
When
Does Coverage Become Effective and When Does it End?
Your coverage
becomes effective on the latest of: the moment we
receive your Application and correct premium (if
Application and payment is made online or by fax),
12:01am* on the date we receive your Application and
payment (if Application and payment is made by mail),
the moment you depart from your Home Country, or 12:01am
on the date you request on your Application. Your
coverage will end on the earliest of: 12:01am on the
last day of the period for which you have paid a
premium, 12:01am on the date requested on your
Application, or the moment of your arrival upon return
to your Home Country (unless you have started a Benefit
Period or are eligible for Home Country Coverage).*Times
expressed above are based on US Eastern Standard Time
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Pre-Trip
Health and Safety Advisories
Call us for current passport, visa,
inoculation and vaccine requirements as well
as for up-to-date travel safety advisories. |
Does
the Atlas Series Provide any Home Country Coverage?
Yes. Under
certain circumstances, the Atlas Series will provide
limited Home Country Coverage. Incidental Home
Country Coverage - If you are a US citizen, the
Atlas Series will provide you 15 days of incidental
coverage for trips to your Home Country for every 3
months of coverage purchased. Incidental visit time must
be used within the three-month period earned, and you
must continue your international trip in order to be
eligible for this benefit, which covers Medical expenses
only. Return to your Home Country must not be taken for
the purpose of obtaining treatment of an Illness or
Injury that began while traveling.
Benefit Period Medical Coverage – A Benefit
Period begins on the first date you receive a diagnosis
or treatment of a covered Illness or Injury while
outside your Home Country and lasts for 180 days. If you
started a Benefit Period while this insurance was in
effect, you are covered only for Medical expenses for
the duration of the Benefit Period, regardless of
whether you are at home or abroad.
End of Trip Home Country Medical Coverage – If
you are covered under the Atlas Series and outside of
your Home Country continuously (except for covered
Incidental Trips as described above) for six (6) months
or more you may purchase an additional 30 days of End of
Trip Home Country Medical Coverage.
Home Country Defined - If you are a US citizen,
your Home Country is the United States, regardless of
the location of your Principal Residence. If you are not
a US citizen, your Home Country is the country where you
principally reside and receive regular mail.
Which
Plan Should I Purchase?
US citizens, as
well as non-US citizens traveling outside of the US,
should purchase Atlas International, which provides
coverage outside of the US. Non-US citizens traveling to
the United States should purchase Atlas America.
What is
Covered?
With travel
medical insurance, all benefits, except Hospital
Indemnity, Lost Checked Luggage, Natural Disaster,
Accidental Death & Dismemberment and Common Carrier
Accidental Death, are subject to the Deductible and
Coinsurance. Limits apply to all benefits (See Schedule
of Benefits and Limits): 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
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Let us help
you when you need help most:
-
Medical Referrals
- Assistance with
Prescription Drug Replacement
- Dispatch of a Doctor
or Specialist
- Up-to-the-minute
travel medical advisories
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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 a US Citizen under age 70, you are covered for an
Acute Onset of a Pre-existing Condition. Coverage is
available up to $15,000 Maximum for Eligible Medical
Expenses and up to $25,000 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 that 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 $100.
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 MultiNational
Underwriters®, 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.
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Emergency
Message Relay
We will relay messages to your family,
friends and co-workers, helping you to
maintain contact during an emergency. |
Emergency Reunion:
In the event of a covered Emergency Medical 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 travel to
the area where you are hospitalized following Emergency
Medical Evacuation and reasonable expenses for lodging
and meals for your relative, for a period not to exceed
15 days.
Return of Minor Children: If you are the only
person age 18 or older, traveling with one or more
children 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 children
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.
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 warning
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 a warning 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.
For additional benefits covering Acts of Terrorism,
including high limit AD&D and Permanent Total Disability
coverage, review the MultiNational Accident Plan (MAP).
Contact your representative for additional information
about this exciting new product offered by MultiNational
Underwriters®
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 1
limb – One-half of the Principal Sum to you
|
Age |
Principal
Sum |
| 14 days to 17
years |
$5,000 |
|
18 to 69 |
$25,000 |
| 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: In the event of natural
disaster (hurricane, flood, tornado, tsunami, etc) the
Atlas Series will provide you up to $100 a day for 5
days if you are 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.
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Emergency
Cash Transfers
We will assist you in arranging and
obtaining cash transfers anywhere in the
world.
Lost
Passport or Travel Documents Assistance
Losing important documents is extremely
troublesome. We can help you notify the
appropriate authorities for assistance with
replacement of documents. |
Trip Interruption:
-
If, after you have departed, you learn of the
death of a parent, spouse, sibling or child, 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 your travel to
the area of your Principal Residence; or
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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 continuing
treatment, recuperation and recovery, the Atlas
Series will provide the following benefit: The
cost of an economy, one-way air and/or ground
transportation ticket for your travel from the
area where you were hospitalized following the
Emergency Medical Evacuation to the area where
you were initially evacuated from, or to the
terminal serving the area of your Principal
Residence.
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Livetravel
Services
We will make
emergency travel and itinerary changes for
you including rebooking flights, hotel
reservations and ground transportation
arrangements. |
Lost Checked Luggage: In the event your checked
luggage is permanently lost by the transportation
provider, the Atlas Series will provide the
following benefit: Up to $250 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 submit copies
of all claim forms and proof that the transportation
provider has paid you its normal reimbursement for
the lost checked luggage.
BagTrak
We are the industry leaders in tracking
lost, checked baggage. We will help track
lost checked baggage and deliver it to you
anywhere in the world. |
Travel
Assistance
All Travel Assistance Services are
available to you 24 hours a day, 7 days a
week while your Atlas plan is in effect. In
addition to the services already described,
the following services are included:
- Embassy and
consulate referrals
- Legal and
accounting referrals
- Bail bond
assistance
- Translation and
interpretation assistance
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Schedule of Benefits and Limits:
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Deductibles:
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$0, $100,
$250, $500, $1,000 or $2,500 per Certificate
Period |
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Coinsurance – Claims incurred in US or
Canada: |
For the
Certificate Period, Underwriters will pay
80% of the next $5,000 of Eligible Expenses
after the Deductible, then 100% to the
Overall Maximum Limit |
|
Coinsurance –
Claims incurred outside US or Canada:
|
For the
Certificate Period, Underwriters will pay
100% of Eligible Expenses after the
Deductible up to the Overall Maximum Limit |
| Hospital
Room and Board: |
Average
Semi-private room rate, including nursing
services |
|
Local
Ambulance: |
Usual,
Reasonable and Customary charges |
| Hospital
Indemnity: |
$100 per
day (not subject to Deductible or
Coinsurance) |
|
Intensive Care
Unit: |
Usual,
Reasonable and Customary charges |
| Outpatient
Treatment: |
Usual,
Reasonable and Customary charges |
|
Acute Onset of
Pre-existing Condition: |
$15,000 limit
per Certificate Period for Eligible Medical
Expenses
$25,000 limit per Certificate Period for
Emergency Medical Evacuation (Only available
to US Citizens under age 70) |
| Physical
Therapy: |
$50
Maximum per visit |
|
All Other
Eligible Medical Expenses: |
Usual,
Reasonable and Customary charges |
| Emergency
Dental: |
Accident –
Overall Maximum Limit
Acute Onset of Pain – $100 limit per
Certificate Period |
|
Emergency
Medical Evacuation: |
Overall
Maximum Limit |
| Emergency
Reunion: |
$15,000
limit per Certificate Period |
|
Return of
Minor Children: |
$5,000 limit
per Certificate Period |
| Terrorism: |
$50,000
Maximum Lifetime Limit, Eligible Medical
Expenses only |
|
Accidental
Death and Dismemberment: |
Principal Sum
$25,000 Adults age 18-69
$12,500 Adults age 70-74
$ 6,250 Adults age 75 and above
$ 5,000 Children age 17 and below |
| Common
Carrier Accidental Death: |
$50,000
per adult, $25,000 children under age 18;
$250,000 Maximum per family |
|
Repatriation
of Remains: |
Overall
Maximum Limit |
| Natural
Disaster Benefit: |
Maximum
$100 a day for 5 days |
|
Trip
Interruption: |
$5,000 limit
per Certificate Period |
| Lost
Checked Luggage: |
$250 limit
per Certificate Period (not subject to
Deductible or Coinsurance) |
|
Hospital
Pre-Notification Penalty: |
50% of
Eligible Medical Expenses |
| Optional
Hazardous Sports Rider: |
Overall
Maximum Limit |
|
Overall
Maximum Limit per Certificate Period
(includes all benefits except Accidental
Death and Dismemberment and Common Carrier
Accidental Death): |
Age 14 days to
69 - $50,000, $100,000, $250,000, $500,000
or $1,000,000; Age 70 to 79 - $50,000; Age
80 or older - $10,000 |
What Is Excluded?
The
following charges, treatments, surgeries,
medications, conditions and circumstances are
excluded:
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Pre-existing Conditions – Charges resulting
directly or indirectly from any Pre-existing
Condition are excluded from this insurance. If
you are a US citizen under age 70, you are
covered for Medical and Emergency Evacuation
charges resulting from an Acute Onset of a
Pre-existing Condition, up to the limit set
forth in the Schedule of Benefits and Limits. A
Pre-existing Condition is any Illness, Injury or
medical condition or chronic or recurring
Illness or Injury or medical condition,
including any associated complications or
consequences, which existed at or during the 2
years immediately preceding your Effective date.
An Acute Onset is a sudden and unexpected
outbreak or recurrence of a Pre-existing
Condition, that 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
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Treatment for or related to any congenital
condition
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Routine pre-natal care, childbirth, care of
newborns, post-natal care, birth control,
artificial insemination, infertility, impotency
or sexual dysfunction, sterilization or reversal
thereof
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False labor, edema, prolonged labor, prescribed
rest during the period of Pregnancy, morning
sickness and conditions of comparable severity
associated with management of a difficult
Pregnancy, and not constituting a medically
distinct Complication of Pregnancy, and all
charges related to Pregnancy after the 26th week
of Pregnancy
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Mental Health Disorders or Substance Abuse
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Charges which are not Incurred during the
Certificate Period or the applicable Benefit
Period, and charges which are not presented to
Underwriters for payment within 60 days from the
end of the Certificate Period or the applicable
Benefit Period
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Charges for use of Emergency Room within the US
for treatment of Illness unless the patient is
directly admitted to the Hospital as Inpatient
for further treatment of that Illness
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Not Medically Necessary and administered or
ordered by a Physician
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Provided at no cost, by a family member, or by a
person who ordinarily resides with you, or which
are attributable to or recoverable from any
other party including government-sponsored plans
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Charges which exceed Usual, Reasonable and
Customary
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Investigational, Experimental or for Research
Purposes
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While confined primarily to receive Custodial
Care, Educational or Rehabilitative care
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Venereal Disease, and treatment of individuals
who are HIV+ or have AIDS or ARC
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Treatment by a Chiropractor
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Diseases of the skin
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Dental treatment, including treatment of the
temporomandibular joint, except for Emergency
Dental Treatment necessary to replace sound
natural teeth lost or damaged in an Accident
covered hereunder or for the relief of acute,
spontaneous and unexpected onset of pain
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Eyeglasses, vision exams, contact lenses,
hearing tests, hearing aids, hearing implants,
eye refraction, visual therapy, orthoptics or
visual eye training or eye surgery (including
cataract surgery and radial keratotomy) or for
any examination or fitting related to these
devices or procedures
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Injury sustained while taking part in the
following activities: Amateur or professional
sports or athletics, except this does not
include Amateur sports or athletics which are
non-contact and undertaken solely for leisure,
recreational, entertainment or fitness purposes
unless such sports or athletics are otherwise
excluded by this provision. The following are
excluded: Mountaineering where ropes or guides
are normally used or at elevations of 4,500
meters or higher. Aviation, except when
traveling solely as a passenger in a commercial
aircraft. Hang gliding, sky diving, parachuting
or bungee jumping; Snow skiing or snowboarding,
except for recreational downhill and/or
cross-country snow skiing or snowboarding (no
cover provided whilst skiing away from prepared
and marked in-bound territories and/or against
the advice of the local ski school or local
authoritative body); Racing by any animal or
motorized vehicle; and spelunking; and subaqua
pursuits involving underwater breathing
apparatus unless NAUI/PADI certified,
accompanied by a certified instructor, and at
depths of less than 10 meters; jet skiing; and
any other sport or athletic activity which is
undertaken for thrill seeking and exposes you to
abnormal or extreme risk of injury
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Injury sustained while under the influence of or
due wholly or partly to the effects of
intoxicating liquor or drugs other than drugs
taken in accordance with treatment prescribed
and directed by a Physician but not for the
treatment of Substance Abuse
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Willfully self-inflicted Injury or Illness and
immunizations and Routine Physical Exams
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The Deductible, Coinsurance and charges which
are not included as Eligible Expenses as
described in the Master Policy, and charges
which exceed the limits set forth in the
Schedule of Benefits and Limits
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Treatment required as a result of complications
or consequences of a treatment or condition not
covered hereunder
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Charges for travel or accommodations, except as
provided for in the Local Ambulance, Emergency
Medical Evacuation, Repatriation of Remains,
Emergency Reunion, Natural Disaster and Trip
Interruption sections of this insurance
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Treatment incurred as a result of exposure to
non-medical nuclear radiation and/or radioactive
material(s)
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Organ or tissue transplants or related services
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Acts of Terrorism, except as provided for
herein, war, insurrection, riot or any variation
thereof
This
is a summary of exclusions. For more details, or for
a complete copy of the Master Policy, contact
MultiNational Underwriters®
What if I Plan to Participate in a Sport or Athletic
Activity that is Excluded?
The
Optional Hazardous Sports Rider is available for the
adventurous traveler. This Rider adds coverage for
the Amateur sports listed in exclusion #18. The
maximum coverage under this Rider is the Overall
Maximum Limit you select. The Accidental Death and
Dismemberment benefit is deleted during the course
of the activity.
What are the Pre-notification Requirements?
Hospitalizations, Surgeries, Emergency Evacuations,
Emergency Reunions, Trip Interruptions, Repatriation
of Remains, Computerized Tomography (CAT Scan) and
Magnetic Resonance Imaging (MRI) must be
Pre-notified. Simply call, or have your Physician
call, MultiNational Underwriters® with
the information relative to your claim. You may also
pre-notify by submitting details through Client
Zone. Be sure to have your ID number available. If
you do not Pre-notify, medical expenses will be
reduced by 50% and all other expenses will be
forfeited.
Who
is the Plan Administrator?
MultiNational Underwriters® (MNU),
headquartered in Indianapolis, Indiana, is a full
service organization offering a comprehensive
portfolio of insurance products designed
specifically to address the insurance needs of
consumers worldwide. MNU is a subsidiary of HCC
Insurance Holdings, Inc. (HCC), which is a leading
international specialty insurance group
headquartered in Houston, Texas. HCC has assets of
more than $8.0 billion, shareholders’ equity in
excess of $2.3 billion and is rated AA (Very Strong)
by Standard & Poor’s, AA (Very Strong) by Fitch
Ratings and A+ (Superior) by A.M. Best Company. Our
international claims specialists, medical
professionals and client relations specialists are
available 24 hours a day, 7 days a week to answer
your questions and respond to your needs. Whether
you have lost your luggage or are in need of
Emergency Medical Evacuation, you will find our
service team to be prompt, compassionate, and highly
professional.
Who
is the Insurer?
Lloyd’s,
the largest and oldest insurance market in the
world, is the insurer of the Atlas Travel Series.
Rated ‘A’ (Excellent) by AM Best Company and ‘A’
(Strong) by Standard and Poor’s, Lloyd’s provides
financial strength and security that is unparalleled
in the worldwide insurance market. Lloyd’s is
recognized as a market leader in the accident and
health insurance arena and is well-known for its
innovative products and services. Presently, Lloyd’s
provides accident and health insurance to millions
of individuals in almost every country of the world.
How
do I Extend or Renew my Coverage?
You may
extend your coverage up to a maximum of 12 months
from the initial effective date, however no less
than 5 days per extension. Provided there is no
break in coverage, you will not be required to
re-satisfy the Deductible and Coinsurance nor will
benefit limits be reset. If you are covered under
Atlas International, after 12 months of continuous
coverage you may renew your coverage for up to 12
additional months. If 24 months of continuous
coverage is maintained, a final period of up to 12
months may be purchased. Deductible and Coinsurance
must be re-satisfied as of each renewal date.
After 36 months of continuous coverage under Atlas
International, or 12 months of continuous coverage
under Atlas America, or any break in coverage, a new
plan must be purchased. A new Application is
required and you must re-satisfy your Deductible,
Coinsurance and Pre-existing Condition provisions.
Extensions or renewals must be made online with
payment by credit card. For additional information
on extending or renewing your plan, please visit
Client Zone.
Client Relations
Whether you
have misplaced your ID card or benefit booklet, need
assistance with a claim, or have a question about
benefits, MNU is always ready to respond.
Frequently, these and other issues can be addressed
with a short visit to Client Zone. Client Zone is an
online account management and resource tool that
allows you to:
-
Change personal information
-
Renew coverage and reprint ID cards
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Obtain details about claim filing, including
downloading necessary forms
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Pre-Notify for certain medical procedures and
hospitalizations
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Locate providers within the PPO Network
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Study destination, weather and travel security
information using our Travel Intelligence and
Planning System (TIPS)
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Access health and wellness information
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View and download brochures, obtain policy
information, or get quotes for other products
offered by MultiNational Underwriters®
Privacy Policy
MultiNational Underwriters® respects
individual privacy and values the confidence of its
customers, employees, consumers, business
associates, and others. Please contact us or visit
our website to obtain a full version of our Privacy
Policy.
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