Atlas International will cover 100% of your eligible expenses—after the deductible and up to the overall maximum limit—as you travel abroad for up to 364 days.
You can build your plan by choosing your deductible, coverage length, and overall maximum coverage. You’ll also have the option to increase your coverage for several key benefits at purchase.
NOTE: Atlas International is our Atlas Travelplan for individuals whose travel plans do not include the United States. Atlas International will be automatically chosen for you when you purchase Atlas Travel insurance and select that your travel plans do not include the U.S.
Atlas International Highlights:
- Up to $2,000,000 of Overall Maximum Coverage
- Up to $1,000,000 for Emergency Medical Evacuation
- Medical coverage for eligible expenses related to COVID-19
- Emergency travel benefits including AD&D, Political Evacuation, & Crisis Response
- Supplemental travel benefits including Trip Interruption & Travel Delay
Plan Details
Deductibles
$0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate period
Maximum per Injury / Illness
Age80 or older:$10,000
Age 65to 79:$50,000 or $100,000
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
Overall Maximum Limit
Age80 or older:$10,000
Age 65to 79: $50,000 or $100,000
All others: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000
Coinsurance
We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
Benefit
Limit
Hospital Room and Board
Average semi-private room rate, including nursing services
Local Ambulance
Usual, reasonable and customary charges, only when covered illness or injury results in hospitalization as inpatient
Emergency Room Co-Payment
Claims incurred in the U.S.
You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital
There will be no co-payment for emergency room treatment of an injury
Claims incurred outside the U.S.
No co-payment
Urgent Care Center Co-Payment
Claims incurred in the U.S.
For each visit, you shall be responsible for a $15 co-payment
- co-payment is waived for members with a $0 deductible
- not subject to deductible
Claims incurred outside the U.S.
No co-payment
Intensive Care Unit
Up to the overall maximum limit
Outpatient Physical Therapy and Chiropractic Care
Up to $50 maximum per day; must be ordered in advance by a physician
Emergency Dental (acute onset of pain)
Up to $300 - not subject to deductible
Emergency Eye Exam for a Covered Loss
Up to $150; $50 deductible per occurrence (plan deductible is waived)
*Acute Onset of Pre-existing Condition (see below for description)
Up to the overall maximum limit
$25,000 lifetime maximum for Emergency Medical Evacuation
Terrorism
Up to $50,000 lifetime maximum, eligible medical expenses only
All Other Eligible Medical Expenses
Up to the overall maximum limit
Emergency Travel Benefits
Limit
Emergency Medical Evacuation
Up to $1,000,000 lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition
- not subject to deductible or overall maximum limit
Repatriation of Remains
Equal to the elected overall maximum limit
- not subject to deductible or coinsurance
This limit is for this benefit only and is not included in or subject to the overall maximum limit
Local Burial or Cremation
Up to $5,000 lifetime maximum - not subject to deductible
Accidental Death and Dismemberment (excludes loss due to Common Carrier Accident)Under age 18 Ages 18 through 69 Ages 70 through 74 Ages 75 and older
Lifetime maximum: $5,000
Death: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500
Lifetime maximum: $25,000
Death: $25,000
Loss of 2 limbs: $25,000
Loss of 1 limb: $12,500
Lifetime maximum: $12,500
Death: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250
Lifetime maximum: $6,250
Death: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125
$250,000 maximum benefit any one family or group
- not subject to deductible or overall maximum limit
Common Carrier Accidental Death Under Age 18
Ages18 through 69
Ages 70 through 74
Ages 75 and Older
$10,000
$50,000
$25,000
$12,500
Subject to a maximum of $250,000 any one family or group
- no subject to deductible or overall maximum limit
Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses, and Natural Disaster Evacuation
Up to $10,000 per certificate period - not subject to deductible or overall maximum limit
Emergency Reunion
Up to $100,000, subject to a maximum of 15 days - not subject to deductible
Bedside Visit
Up to $1,500 - not subject to deductible
Return of Minor Children
Up to $50,000 - not subject to deductible
Pet Return
Up to $1,000 - not subject to deductible
Political Evacuation
Up to $100,000 lifetime maximum - not subject to deductible
Trip Interruption
Up to $10,000 - not subject to deductible
Lost Checked Luggage
Up to $1,000 - not subject to deductible
Lost or Stolen Passport/Travel Visa
Up to $100 - not subject to deductible
Travel Delay
Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay; subject to a maximum of 2 days
- not subject to deductible
Natural Disaster - Replacement Accommodations
Up to $250 a day for 5 days - not subject to deductible
Hospital Indemnity
$100 per day of inpatient hospitalization - not subject to deductible
Personal Liability
Up to:
$25,000 lifetime maximum
$25,000 third person injury
$25,000 third person property
$2,500 related third person property
- not subject to deductible or overall maximum limit
Border Entry Protection
Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border - not subject to deductible
*Acuteonset of a pre-existing condition is a sudden and unexpected outbreak orrecurrence that is of short duration, is rapidly progressive, and requiresurgent care. A pre-existing condition that is chronic or congenital, or thatgradually becomes worse over time, is not acute onset of a pre-existingcondition.
The Acute Onset of Pre-existing Condition benefit will only apply ifall of the following conditions are met:
a)The Acute Onset of a Pre-Existing Condition does notdirectly or indirectly relate to a chronic condition or congenital condition;
b)Treatment must be obtained within twenty-four (24)hours of the sudden and unexpected outbreak or reoccurrence;
c)You must be under eighty (80) years of age;
d)You must not be traveling against or in disregard ofthe recommendations, established treatment programs, or medical advice of aphysician or other healthcare provider;
e)You must not be traveling with the intent or purposeto seek or obtain treatment for the pre-existing condition;
f)You must be traveling outside your home country
