We are Your "Global Travel Companions"
Atlas International Travel Medical Insurance (Best Seller)
Atlas International is with you almost anywhere on the planet you may travel for vacations, studying abroad, corporate travel, mission trips and extreme sports
Do I need travel medical insurance?
Many times the primary medical insurance in your home country will not cover you while traveling abroad and often will not provide important services, perhaps essential ones, in the event of an illness or injury. Atlas International includes these essentials such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.
Why Choose Atlas International?
Whatever your reason, international travel should be a pleasant experience. Complications and emergencies such as illness, injury, and natural disasters are a fact of life. While we hope none of these happen, we’re here to help if they do. Atlas International helps protect you from potential financial disaster while traveling abroad with benefits including and outpatient medical expenses, $500,000 of coverage for emergency medical evacuation, coverage for lost checked baggage, and many other important benefits.
Atlas International gives you the peace-of-mind you’re looking for!
Did You Consider This?
Car Accident
Converting kilometers to miles can be hard, but a speed limit is a speed limit.
Car accident $120,599*
Atlas Travel: available for $1.12 per day**
*This amount is an example of an actual claim handled.
Coverage for similar claims is not to be inferred as all claims are unique.
**For applicants between the ages of 18-29 with $250 deductible and $200,000 maximum limit
coverage.
Schedule of Benefits
What’s Covered by Atlas International®?
Emergency Medical Evacuation and Emergency Reunion
Repatriation of Remains
Return of Minor Children
If you are expected to be hospitalized for more than 36 hours due to a covered injury or illness and covered children under 18 years
of age will be left unattended as a result, Atlas America will cover the transportation cost for the children to return home.
Terrorism
In these turbulent times, the risk of a terrorist attack is a reality. If you are in the wrong place at the wrong time, Atlas International offers
coverage for medical expenses resulting from these acts.
Political Evacuation
If, during the coverage period and after your arrival, the United States government issues a travel warning for your destination country, Atlas International will coordinate your alternate departure arrangements from that country and cover the associated costs.
Natural Disaster Benefit
Natural disasters can happen anywhere and at anytime. If a natural disaster occurs on your trip, causing you to become displaced from
your accommodations, Atlas International will provide relief of a maximum of $100 a day for 5 days to help cover the costs of alternative accommodations.
Other quality benefits offered by Atlas Travel*
Acute Onset of Pre-Existing Conditions
If you are under age 70, you are covered for an acute onset of a pre-existing condition. Coverage is available up to $100,000 lifetime maximum for eligible medical expenses for all policy maximums greater than $50,000. Individuals who have a $50,000 policy maximum are entitled to a $50,000 maximum benefi t for the acute onset of a pre-existing condition. This also includes a $25,000 lifetime maximum 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.
Hospitalization and Outpatient Treatment
If a covered illness or injury requires hospitalization, the plan provides coverage for costs associated with hospitalization care, including intensive care, and outpatient treatment.
Sports Coverage
Atlas International includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports - skiing, snowboarding, snorkeling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.
Complications of Pregnancy
Atlas International offers coverage for complications of pregnancy during the first 26 weeks of gestation.
Incidental Home Country Coverage
For U.S. Citizens, for every three month period during which the Member is covered here under, Medical Expenses incurred in the U.S. are covered up to a maximum of 15 days for any three month period.
For Non-U.S. Citizens, for every three month period during which the Member is covered here under, Medical Expenses incurred in the member’s home country are covered up to a maximum of 30 days for any three month period. Any benefit accrued under a single 3 month period does not accumulate to another period. Failure of the member to continue his or her international trip or the members return to their home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.
Benefit Period Medical Coverage
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, underwriters will pay eligible medical expenses, as defined herein, for up to 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness while the member is outside his or her home country and while the certificate was in effect. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.
Home Country Coverage
Incidental Home Country Coverage
For U.S. Citizens, for every three month period during which the Member is covered here under, Medical Expenses incurred in the U.S. are covered up to a maximum of 15 days for any three month period.
For Non-U.S. Citizens, for every three month period during which the Member is covered here under, Medical Expenses incurred in the member’s home country are covered up to a maximum of 30 days for any three month period. Any benefit accrued under a single 3 month period does not accumulate to another period. Failure of the member to continue his or her international trip or the members return to their home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.
Benefit Period Medical Coverage
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, underwriters will pay eligible medical expenses, as defined herein, for up to 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness while the member is outside his or her home country and while the certificate was in effect. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.
Enrollment
You may access the online quoting and purchasing system or you may complete an application and mail or fax along with your payment to your agent.
Pre-certification
To receive full benefits, pre-certification is required for hospitalization, surgery, emergency medical and political evacuations, emergency reunions, trip interruptions, repatriation of remains, CAT Scans, and MRIs. Pre-certification may be done by contacting HCCMIS by phone, e-mail, live chat or through Client Zone. Please see the certificate for more details. Pre-certification does not guarantee benefits.
Claim Filing
You may file a claim by submitting a claimant’s statement and authorization form. This form may be found online, or you may contact HCCMIS for a copy. Complete the form, attach all itemized invoices and payment receipts, and send them to the address shown on the claimant’s statement.
*EVERY INSURANCE POLICY COMES WITH OUR EXCLUSIVE MAESTRO TRAVEL COMPANION
