Travel Medical Insurance | travel health insurance for expatriates and students

What Is Excluded?

The following charges, treatments, surgeries, medications, conditions and circumstances:

Pre-existing Conditions – Charges resulting directly or indirectly from any Pre-existing Condition are excluded from this insurance. If you are under age 70, you are covered for Medical and Emergency Evacuation charges resulting from an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule of Benefits and Limits. A Pre-existing Condition is any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the Certificate Effective Date. For the purposes of the Complications of Pregnancy coverage offered hereunder, Pregnancy will not be included within the definition of a Pre-existing Condition. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that 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.

Treatment for or related to any congenital condition.

Routine pre-natal care, childbirth, care of newborns, post-natal care, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof.

False labor, edema, prolonged labor, prescribed rest during the period of Pregnancy, morning sickness and conditions of comparable severity associated with management of a difficult Pregnancy, and not constituting a medically distinct Complication of Pregnancy, and all charges related to Pregnancy after the 26th week of Pregnancy.

Mental Health Disorders or Substance Abuse.

Charges which are not Incurred during the Certificate Period or the applicable Benefit Period, and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or the applicable Benefit Period .

Charges for treatment of any condition when the purpose of departing the Home Country was to obtain treatment in the destination country/countries.

Charges for use of Emergency Room within the US for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness .

Not Medically Necessary and administered or ordered by a Physician.

Provided at no cost, by a family member, or by a person who ordinarily resides with you, or which are attributable to or recoverable from any other party including government-sponsored plans .

Charges which exceed Usual, Reasonable and Customary.

Investigational, Experimental or for Research purposes.

While confined primarily to receive Custodial Care, Educational or Rehabilitative care.

Venereal Disease, and treatment of individuals who are HIV+ or have AIDS or ARC.

Treatment by a Chiropractor.

Treatment for acne, other acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of sebaceous glands, hypertrophic and atrophic conditions of skin, nevus .

Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental Treatment necessary to replace sound natural teeth lost or damaged in an Accident covered hereunder or for the relief of acute, spontaneous and unexpected onset of pain

Eyeglasses, vision exams, contact lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy, orthoptics or visual eye training or eye surgery (including cataract surgery and radial keratotomy) or for any examination or fitting related to these devices or procedures .

Injury resulting from participation in the following activities: Amateur Athletics, Contact Sports, and professional sports or athletic activities. Non-contact and non-organized/non-sanctioned amateur sports or athletic activities engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes are not excluded except the following which are excluded: Mountaineering where a reasonably prudent person would use ropes or guides 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 subaqua 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 activity which is undertaken for thrill seeking and exposes you to abnormal risk of injury .

Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse

Willfully self-inflicted Injury or Illness and immunizations and Routine Physical Exams.

The Deductible, Coinsurance and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the limits set forth in the Schedule of Benefits and Limits .

Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.

Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Repatriation of Remains, Emergency Reunion, Return of Minor Children, Natural Disaster and Trip Interruption sections of this insurance .

Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).

Organ or tissue transplants or related services.

Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof.

Treatment of all forms of cancer/neoplasm

The above is a summary of exclusions. For more details, contact Legend Travelers.

Remember, travel medical insurance coverage is not unlimited. Be sure to know the limits of your policy and what they apply to.

What If I Plan to Participate in a Sport or Athletic Activity that is Excluded?

The Optional Hazardous Sports Rider is available for the adventurous traveler. This Rider adds coverage for the Amateur sports listed in exclusion #19. The maximum coverage under this Rider is the Overall Maximum Limit you select. The Accidental Death and Dismemberment benefit is deleted during the course of the activity.

What If I Have an Acute Onset of a Pre-Existing Condition?

If you are a US Citizen under age 70 and purchase a minimum of 3 months of coverage initially, you are covered for an Acute Onset of a Pre-existing Condition. Coverage available is 10% of the Maximum Overall Limit purchased, up to a maximum of $50,000. 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.

Unsolicited Testimonial
"Very knowledgeable, prompt, thorough. It's good to deal with professionals at their job. Thanks for your help!"
- A. J.

What Are the Pre-Notification Requirements?

Hospitalizations, Surgeries, Emergency and Political Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI) must be Pre-certified. Simply call, or have your Physician call, HCCMIS with the information relative to your claim. You may also pre-certify by submitting details through Client Zone. Be sure to have your ID number available. If you do not Pre-certify, medical expenses will be reduced by 50% and all other expenses will be forfeited.

What Travel Assistance Services are Included:

The following Travel Assistance Services are available to you 24 hours a day, 7 days a week while your Atlas plan is in effect.
Pre-trip Destination Information (available after your purchase of the Atlas Series, but before your departure) – Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country.
Provider Referrals Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your destination country where English is spoken.
Lost Luggage Assistance Tracking service to assist in locating luggage or other items lost in transit.
Travel Document Replacement Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents.
Medical Monitoring Consultations with attending medical professionals during your hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding your medical status.

Other important Atlas Travel Assistance Services include:

Assistance with prescription drug replacement
Dispatch of a physician
Emergency travel arrangements
Embassy and consulate referrals
Legal and accounting referrals
Bail bond assistance
Credit Card/Traveler Check Replacement
Translation and interpretation assistance

Atlas Travel and Medical Assistance Services are not insurance benefits. Any Assistance Service provided is not a guarantee of any other benefit under the Atlas Series.

Client Zone: Login to your own control panel

Client Zone is an online account management and resource tool that allows you to:

Change personal information
Renew coverage and reprint ID cards
Obtain details about claim filing, including downloading necessary forms
Pre-certify for certain medical procedures and hospitalizations
Locate providers within the PPO Network
Study destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS)
Access health and wellness information
View and download brochures, obtain policy information, or get quotes for other products

Read Reviews (8)

Write a Review

Avg. Rating: 5 out of 5

Review(s) for Atlas Travel Insurance

Low Cost Premiums Great Benefits

Atlas Travel Insurance

Low Cost Premiums
Great Benefits