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If you
travel internationally you should make sure that you
have the medical insurance coverage that you need on
your trip. Atlas Travel Medical insurance will
cover you worldwide for as little as 10 - 20 dollars
for a week of coverage. You can get a plan for as
few as 5 days or as long as 12 months. These plans
are very popular with students, missionaries, and
world travelers who are interested in health
coverage from an A+ rated company. The benefits
extend beyond just medical coverage for travelers.
There are also benefits for things such as lost
luggage, embassy referrals, emergency travel
itinerary changes, lost passport and travel document
assistance, accidental death and dismemberment
coverage, pre-trip health and safety advisories, and
other benefits you might need during an emergency
during your trip. This is the peace of mind that
will help you through emergency situations when you
are away from home.
These plans come with low deductibles and even zero
deductibles with 100% coverage after the deductible
is met. Enjoy peace of mind that if you get sick in
a foreign country you can get all the care you need
without being concerned with the cost. Whether you
are a US citizen traveling the world or a foreign
national traveling abroad, you can apply online in
minutes over this safe and secure link for your
international travel insurance.
Why
International Travel Insurance?
International travel involves risk. You may arrive
at your destination to find that your luggage with
personal items has disappeared. A personal emergency
may force you to return to your home. A medical
emergency may require hospitalization or even air
evacuation. Your existing insurance will not
generally provide adequate protection
internationally. Without appropriate travel
insurance, you could suffer a significant financial
liability to get the care that you need. The Atlas
International Travel insurance plans are designed to
be there to help you if the unforeseen happens.
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 |
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Coinsurance –
Claims incurred outside US or Canada:
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For the
Certificate Period, Underwriters will pay
100% of Eligible Expenses after the
Deductible up to the Overall Maximum Limit |
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Hospital Room
and Board: |
Average
Semi-private room rate, including nursing
services |
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Local
Ambulance: |
Usual,
Reasonable and Customary charges |
|
Hospital
Indemnity: |
$100 per day
(not subject to Deductible or Coinsurance) |
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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) |
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Physical
Therapy: |
$50 Maximum
per visit |
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All Other
Eligible Medical Expenses: |
Usual,
Reasonable and Customary charges |
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Emergency
Dental: |
Accident –
Overall Maximum Limit
Acute Onset of Pain – $100 limit per
Certificate Period |
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Emergency
Medical Evacuation: |
Overall
Maximum Limit |
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Emergency
Reunion: |
$15,000 limit
per Certificate Period |
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Return of
Minor Children: |
$5,000 limit
per Certificate Period |
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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 |
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Common Carrier
Accidental Death: |
$50,000 per
adult, $25,000 children under age 18;
$250,000 Maximum per family |
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Repatriation
of Remains: |
Overall
Maximum Limit |
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Natural
Disaster Benefit: |
Maximum $100 a
day for 5 days |
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Trip
Interruption: |
$5,000 limit
per Certificate Period |
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Lost Checked
Luggage: |
$250 limit per
Certificate Period (not subject to
Deductible or Coinsurance) |
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Hospital
Pre-Notification Penalty: |
50% of
Eligible Medical Expenses |
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Optional
Hazardous Sports Rider: |
Overall
Maximum Limit |
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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 |
Who
is Eligible?
If you are
traveling outside of your Home Country and are at
least 14 days old, you are eligible for coverage.
The minimum coverage period is 5 days and the
maximum initial coverage period is 12 months.
Effective Dates
Your
coverage becomes effective on the latest of: the
moment we receive your Application and correct
premium, 12:01am* on the date we receive your
application and payment, the moment you depart from
your home country, or 12:01am on the date you
request on your application. *Times are US Eastern
Standard Time
Which Plan Should I Purchase?
US
citizens, as well as non-US citizens traveling
outside of the United States, should purchase Atlas
International, which provides coverage outside of
the US. Non-US citizens traveling to America should
purchase Atlas America.
What is Covered?
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Charges made by a hospital
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Charges made by a physician and any other
medical specialist to whom the physician has
referred the case.
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Charges for diagnostic testing using radiology,
ultrasonographic or laboratory services.
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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.
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Emergency local ambulance in connection with the
injury or illness that results in inpatient
hospitalization.
Hospital Indemnity: In addition to paying for
your hospital bill subject to deductible and co
insurance, if you are hospitalized for treatment of
a covered Illness or Injury, the Atlas Series will
provide $100 for each night you spend in the
hospital.
Emergency Medical Evacuation: If your
attending physician recommends evacuation for
necessary medical treatment, the Atlas Series will
provide emergency air and/or ground transportation
to the nearest Hospital that is qualified to provide
the Medically Necessary treatment.
Natural Disaster: If there is a natural
disaster (hurricane, flood, tornado, the Atlas
Series international travel insurance plan will
provide you up to $100 a day for 5 days if you are
displaced (ordered to evacuate) from planned, paid
accommodations due to evacuation.
Lost Luggage: If your checked luggage is
permanently lost by the transportation provider,
the Atlas Series will provide up to $250 for
replacement of clothes and personal hygiene
items, not to exceed $50 for any one item.
What Is Excluded?
The
following charges, treatments, surgeries,
medications, conditions and circumstances are
excluded:
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Pre-existing
Conditions
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Treatment
congenital conditions
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Maternity
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Mental Health
Disorders or Substance Abuse
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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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Emergency Room
charges 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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Charges which
exceed Usual, Reasonable and Customary
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Experimental
treatments
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STD's
including AIDS
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Chiropractor
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Skin diseases
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Dental
treatment, except for Emergency Dental
Treatment.
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Eyeglasses,
vision exams, contact lenses, hearing tests,
hearing aids
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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 scuba 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
alcohol or drugs.
This is only a summary of the exclusions for
these policies. For more details, or for a
complete copy of the Master Policy, contact us.
Brian
Thacker
http://www.thackeragency.com
http://www.short-termhealthinsurance.com
866-373-4948
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