Atlas Travel Insurance

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?

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:	10% of Overall Maximum Limit up to $50,000 per Certificate Period (only available for US Citizens under age 70 with Certificate Periods of 3 months or more)
Emergency Dental	Accident Overall Maximum Limit Acute Onset of Pain - $100 limit per Certificate Period
Local Ambulance:	Usual, Reasonable and Customary charges.
Emergency Medical Evacuation:	Overall Maximum Limit
Repatriation of Remains:	Overall Maximum Limit
Emergency Reunion:	$15,000 limit per Certificate Period
Trip Interruption:	$5,000 limit per Certificate Period
Lost Checked Luggage:	$250 limit per Certificate Period (not subject to Deductible or Coinsurance)
Hospital Indemnity:	$100 per day (not subject to Deductible or Coinsurance)
Terrorism:	$50,000 Maximum Lifetime Limit, Medical Expenses only
Accidental Death and Dismemberment:	Death - $25,000 adult, $5,000 children under age 18; Loss of 2 Limbs - $25,000 adult, $5,000 children under age 18; Loss of 1 Limb - $12,500 adult, $2,500 children under age 18; Benefits reduce by 50% at age 70 and an additional 50% at age 75.
Common Carrier Accidental Death:	$50,000 per adult, $25,000 children under age 18; $250,000 Maximum per family.
Hospital Pre-Notification Penalty:	50% of Eligible Medical Expenses.
Optional Hazardous Sports Rider:	Overall Maximum limit
Return of Minor Children	$5,000 limit per Certificate Period
Physical Therapy	$50 per visit
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.

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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.

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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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