travel insurance
Travel Medical Insurance can make your trip abroad safer and more enjoyable. Low cost premiums with great benefits make Atlas a favorite among business and holiday travelers and exchange students! Trip interruption, lost luggage, accidental death and dismemberment, medical emergency evacuation and more.... Travel Medical Insurance

Low Cost Premiums
Great Benefits

Atlas Travel Insurance

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Travel abroad is a risk. With the high cost of a medical emergency you will want to be sure to have a travel medical insurance that provides excellent coverage and benefits.

What Are The Policy Benefits and Limits?
Unless indicated otherwise, all benefits are subject to the Deductible and Coinsurance, and are per Certificate Period.
Deductibles: $0, $100, $250, $500, $1,000 or $2,500 per Certificate Period.
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.
Intensive Care Unit: Usual, Reasonable and Customary charges
Outpatient Treatment: Usual, Reasonable and Customary charges
All Other Eligible Expenses: Usual, Reasonable and Customary charges.
Acute Onset of Pre-existing Condition: Overall Maximum Limit (excludes chronic and congenital conditions). $25,000 lifetime maximum for emergency medical evacuation. (Only available to Members under age 70)
Emergency Dental (acute onset of pain) Accident Overall Maximum Limit
Acute Onset of Pain - $250 limit per Certificate Period (not subject to Deductible or Coinsurance)
Local Ambulance: Usual, Reasonable and Customary charges, when covered illness or injury results in hospitalization as inpatient
Emergency Medical Evacuation: $1,000,000 Maximum Lifetime Limit (Not Subject to Deductible or Coinsurance )
Repatriation of Remains: Overall Maximum Limit (Not Subject to Deductible or Coinsurance )
Emergency Reunion: $50,000 limit per Certificate Period, subject to a maximum of 15 days (not subject to Deductible or Coinsurance)
Trip Interruption: $5,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Lost Checked Luggage: $500 limit per Certificate Period (Not Subject to Deductible or Coinsurance )
Hospital Indemnity: $100 per day of inpatient hospitalization (not subject to Deductible or Coinsurance)
Terrorism: $50,000 Maximum Lifetime Limit, Eligible Medical Expenses only
Accidental Death and Dismemberment (excludes loss due to common carrier accident): Not subject to Deductible or Coinsurance
Members age 18 and older
Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 limbs - $25,000
Loss of 1 limbs - $12,500
Benefits reduce 50% at age 70 and an additional 50% at age 75

Members under 18
Lifetime Maximum - $5,000
Death - $5,000
Loss of 2 limbs - $5,000
Loss of 1 limbs - $2,500

$250,000 maximum benefit any one family
Common Carrier Accidental Death: Members under age 18: $25,000, Members age 18 - 69: $50,000, Members age 70 - 74: $12,500, Members age 75 and older: $6,250. $250,000 Maximum per family.
Hospital Pre-Notification Requirement: Hospital Pre-Notification is not required with this insurance plan.
Sports Coverage: Injuries due to non-contact and non-organized amateur sports and athletic activities (see also sports in Features/Exclusions)
Return of Minor Children: $50,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Physical Therapy and Chiropractic: $50/day maximum (must be ordered by physician)
Natural Disaster Benefit: Maximum $100 a day for 5 days (not subject to Deductible or Coinsurance)
Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment, Emergency Medical Evacuation and Common Carrier Accidental Death, Personal Liability and Crisis Response):
Age 70 to 79 - $50,000, $100,000
Age 80 or older - $10,000 (Atlas International only)
All others - $50,000, $100,000, $200,000, $500,000, $1 Million or $2 Million.
Political Evacuation: $10,000 lifetime maximum (not subject to Deductible or Coinsurance)
Free Child: No premium charged for child up to age 10 traveling with each parent; maximum of two free children


Travelers Tip Although you can also purchase travel insurance from travel agencies, tour companies and cruise lines, it's wiser to get it directly from an insurance company. Policies from travel companies typically come with more exclusions, and if the company goes out of business during your trip your coverage will probably evaporate, as well.


The Atlas Series travel medical insurance plans feature low cost premiums with excellent medical benefits and coverage. When you travel abroad, be sure you are protected with travel medical insurance by Atlas. Your life may depend on it.

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