Atlas Essential provides you with emergency medical coverage as you travel abroad. You can build your plan by choosing your deductible, coverage length, and overall maximum coverage.
Atlas
EssentialTM
Insurance
Basic Travel Medical Insurance for International Travelers
When international travel poses medical and financial risk, Atlas Essential insurance is there. Customize your Atlas Essential plan by choosing your deductible, coverage length, and overall coverage maximum.
Atlas Essential Is Designed for Global Travelers Seeking:
- Fewer benefits and lower coverage limits in exchange for a lower premium
- Coverage for unexpected medical expenses, including COVID-19-related expenses
- Emergency Medical Evacuation benefit
Travel Medical
Insurance Benefits
-
Atlas Essential
Insurance -
Policy
Documentation -
Insurance
Exclusions
Highlights:
- Up to $1,000,000 of Overall Maximum Coverage
- Up to $500,000 for Emergency Medical Evacuation
- Up to $50,000 for Terrorism Coverage
- Up to $25,000 for Repatriation of Remains
- Includes medical coverage for eligible expenses related to COVID-19
Plan Details
Deductibles
$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Maximum Per Injury / Illness
Age 80 or older : $10,000
Age 65 to 79: $50,000 or $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Overall Maximum Limit
Age 80 or older: $10,000
Age 65 to 79: $50,000 or $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Coinsurance
In-network payment within the PPO
We will pay 75% of eligible expenses after the deductible up to the overall maximum limit
Out-of-network payment outside the PPO
You may be responsible for any charges exceeding the payable amount
Eligible expenses are subject to deductible, coinsurance, 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, 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, after which coinsurance will apply
- 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
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 $500,000 lifetime maximum
- not subject to deductible, coinsurance, or overall maximum limit
Repatriation of Remains
Up to $25,000 lifetime maximum
- not subject to deductible, coinsurance, or overall maximum limit
Local Burial or Cremation
Up to $5,000 lifetime maximum - not subject to deductible
Emergency Quarantine Indemnity - COVID 19
(must have a minimum of 30 days of coverage)
(only available outside your home country)
$50 a day for up to 10 days - not subject to deductible
Proof of quarantine mandate by a physician or government authority required.
Quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.
Certain types of medical expenses are excluded from coverage under Atlas Essential insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.
- Charges resulting directly or indirectly from any *pre-existing condition
- Routine medical examinations
- Routine pre-natal care, pregnancy, child birth, and post-natal care
- Mental health disorders
- Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports (see Description of Coverage for full list of excluded sports).
*A pre-existing condition is any condition:
- for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
- which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
- that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you
Why Do I Need
Travel Medical Insurance?
International travel can represent financial risk. No matter your destination, there's always a chance you could experience an unanticipated health or travel emergency.
Many regular health insurance plans provided limited coverage outside your home country, while others provide none. Atlas Essential insurance can provide access to quality healthcare, travel assistance, and financial help if the unexpected strikes.
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WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.