Travel Insurance

Making International Travel Worry-Free

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 during overseas travel. Without appropriate international travel insurance, you may be exposed to significant financial liability. The Atlas Series travel insurance was designed to take the risks out of international travel, so you can have an enjoyable and productive trip.

Am I Eligible for the Atlas Travel Insurance 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 7 days and the maximum initial coverage period is 12 months. The Atlas Series now allows you to extend and/or renew your coverage for up to 36 months.

When Does Insurance 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 US Eastern Standard Time 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 US Eastern Standard Time on the date you request on your Application.

Your coverage will end on the earliest of: 12:01am US Eastern Standard Time on the last day of the period for which you have paid a premium, 12:01am US Eastern Standard Time 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).
 

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Jet lag is quite common among travelers crossing several different time zones. Although difficult to completely avoid, you can lessen its effects by doing a few simple things to help your body adjust to the new time. For instance, start getting more rest a few days before your trip, and be sure to sleep when you're on the plane. Also, replace caffeinated and alcoholic beverages during the flight with lots of water (to curtail dehydration); eat lightly during your flight and pass on exotic foods for a few days after you arrive; and stretch at regular intervals during your travel time.

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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 Medical Coverage If you are a US citizen traveling for three (3) months or more, you are covered for Medical expenses only during one incidental trip to your Home Country for up to 15 days. You must continue your international trip no more than 15 days after your return to your Home Country in order to be eligible for this benefit. Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.

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.

Benefit Period Medical Coverage If you started a Benefit Period while this insurance was in effect, you are covered for Medical expenses only for the duration of the Benefit Period, regardless of whether you are at home or abroad. Your 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.

How is "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 Travel Insurance Should I Purchase?

If you are a US citizen traveling abroad, you should purchase Atlas International. If you are a non-US citizen traveling outside your Home Country, you should purchase Atlas America.

Can I get a VISA letter for my consulate or embassy?

Yes, you automatically get a VISA letter when you sign-up for Atlas along with your policy and certificate.

For international travel health insurance and emergency medical protection, the low cost premiums of Atlas Travel Insurance represents an excellent value.

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