International Holiday & Business Travel Insurance
Travel Insurance Overview
Coverage & Plans
Benefits and Limits
Insurer / Administrator
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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 worry-free 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 5 days and the maximum initial coverage period is 12 months.
How Do I Extend or Renew My Atlas Travel Insurance Coverage?
After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset. If you are covered under Atlas International, after 364 days of continuous coverage you may renew your coverage for up to two additional coverage periods. Deductible and Coinsurance must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions. Extensions or renewals must be made online in the Client Zone with payment by credit card.
Can I Cancel My Coverage?
If for any reason you wish to cancel your order prior to your insurance effective date, you may do so and receive a 100% refund of premium paid.
Cancellation requests received after the effective date will be subject to the following conditions:
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* 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 on the date you request on your Application.
Your coverage will end on the earliest of: 11:59pm on the last day of the period for which you have paid a premium, 11:59pm 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).
*Times expressed above are based on US Eastern Time.
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 Atlas Travel Insurance will provide you 30 days of incidental coverage for trips to your Home Country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.
Benefit Period Medical Coverage A 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 90 days. If you started a Benefit Period while this insurance was in effect, you are covered only for Medical expenses related to that covered Illness or Injury for the duration of the Benefit Period, regardless of whether you are at home or abroad. If your coverage terminates during a benefit period, Atlas will continue to cover you for the duration of the benefit period.
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.
"This is just to let you know that I appreciate all your help, your service, and your kind words. I have recommended you to my relatives who are planning a trip to the Orient."
- J. Thomas
Can I get a VISA letter for my consulate or embassy?
Yes, you may download 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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