Annual Travel Insurance
Travel Medical Insurance for Frequent International Travelers
If you’re always on the go, you can save time and money by purchasing one annual travel medical insurance plan. Annual travel insurance can cover you for any number of preplanned or last-minute international trips in a 364-day period. This cost-effective solution to frequent travel means you can have international health coverage for your planned travels.
Consider annual travel medical insurance if you’re a:
- Frequent international tourist or vacationer
- Business professional who travels for conferences and meetings
- Remote worker who splits time between home and hotels abroad
- Spontaneous traveler who tends to book last-minute trips
Discover the Benefits of Atlas MultiTrip™
| Overall Maximum Limit | $1,000,000 |
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Overall Maximum Limit $1,000,000
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| Maximum Per Injury or Illness | $1,000,000 |
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Maximum Per Injury or Illness $1,000,000 |
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| Deductible | $250 per covered trip |
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Deductible $250 per covered trip |
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| Coinsurance | We will pay 100% of eligible expenses after the deductible up to the overall maximum limit |
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Coinsurance We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
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| Emergency Room Co-Payment | Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital.
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Emergency Room Co-Payment Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital.
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| Urgent Care Center Co-Payment | Claims Incurred in the U.S. You are responsible for a $15 co-payment for each visit - not subject to deductible Claims Incurred Outside the U.S. No co-payment |
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Urgent Care Center Co-Payment Claims Incurred in the U.S.
You are responsible for a $15 co-payment for each visit - not subject to deductible Claims Incurred Outside the U.S. No co-payment |
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| Travel Assistance Services | Atlas MultiTrip customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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Travel Assistance Services Atlas MultiTrip customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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| Policy Documents | Click here to view your policy documents. |
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Policy Documents |
| Hospital Room and Board | Average semi-private room rate, including nursing services |
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Hospital Room and Board Average semi-private room rate, including nursing services
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| Local Ambulance | Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient. |
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Local Ambulance Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient.
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| Intensive Care Unit | Up to the overall maximum limit |
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Intensive Care Unit Up to the overall maximum limit
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| Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day |
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Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day
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| Emergency Dental | Up to $300 - not subject to deductible |
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Emergency Dental Up to $300 - not subject to deductible
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| Emergency Eye Exam Copayment | Up to $150; $50 copayment per occurrence (plan deductible is waived) |
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Emergency Eye Exam Copayment Up to $150; $50 copayment per occurrence (plan deductible is waived)
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| Hospital Indemnity | $100 per day of inpatient hospitalization - not subject to deductible |
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Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible
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| Acute Onset of Pre-Existing Condition (Click “Exclusions” Tab To See Benefit Description) | Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
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Acute Onset of Pre-Existing Condition (Click “Exclusions” Tab To See Benefit Description) Up to the overall maximum limit
Up to $25,000 lifetime maximum for Emergency Medical
Evacuation
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| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
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Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
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| All Other Eligible Medical Expenses | Up to the overall maximum limit |
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All Other Eligible Medical Expenses Up to the overall maximum limit
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| Disclaimers | *Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Disclaimers *Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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| Repatriation of Remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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Repatriation of Remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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| Local Burial or Cremation | Up to $5,000 lifetime maximum - not subject to deductible |
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Local Burial or Cremation Up to $5,000 lifetime maximum - not subject to deductible
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| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) | Under Age 18 Lifetime maximum: $5,000 Death: $5,000 Loss of 2 limbs: $5,000 Loss of 1 limb: $2,500 Ages 18 through 69 Lifetime maximum: $25,000 Death: $25,000 Loss of 2 limbs: $25,000 Loss of 1 limb: $12,500 Ages 70 through 74 Lifetime maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 75 and Older 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 |
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Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) Under Age 18 Lifetime maximum: $5,000 Death: $5,000 Loss of 2 limbs: $5,000 Loss of 1 limb: $2,500 Ages 18 through 69 Lifetime maximum: $25,000 Death: $25,000 Loss of 2 limbs: $25,000 Loss of 1 limb: $12,500 Ages 70 through 74 Lifetime maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 75 and Older 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 |
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| Common Carrier Accidental Death | Under Age 18 $10,000 |
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Common Carrier Accidental Death Under Age 18 $10,000 |
| Trip Interruption | Up to $10,000 - not subject to deductible |
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Trip Interruption Up to $10,000 - not subject to deductible
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| 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 |
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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
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| Lost Checked Luggage | Up to $1,000 - not subject to deductible |
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Lost Checked Luggage Up to $1,000 - not subject to deductible
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| Lost or Stolen Passport/Travel Visa | Up to $100 - not subject to deductible |
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Lost or Stolen Passport/Travel Visa Up to $100 - not subject to deductible
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| 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 |
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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
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| Emergency Medical Evacuation | Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click “Exclusions” tab to see benefit description) - not subject to deductible or overall maximum limit |
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Emergency Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click “Exclusions” tab to see benefit description) - not subject to deductible or overall maximum limit
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| Political Evacuation | Up to $100,000 lifetime maximum - not subject to deductible |
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Political Evacuation Up to $100,000 lifetime maximum - not subject to deductible
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| Emergency Reunion | Up to $100,000, subject to a maximum of 15 days - not subject to deductible |
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Emergency Reunion Up to $100,000, subject to a maximum of 15 days - not subject to deductible
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| Bedside Visit | Up to $1,500 - not subject to deductible |
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Bedside Visit Up to $1,500 - not subject to deductible
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| Return of Minor Children | Up to $50,000 - not subject to deductible |
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Return of Minor Children Up to $50,000 - not subject to deductible
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| Pet Return | Up to $1,000 - not subject to deductible |
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Pet Return Up to $1,000 - not subject to deductible
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| Disclaimers | *Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Disclaimers *Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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| Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10,000 per certificate period - not subject to deductible or overall maximum limit |
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Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses Up to $10,000 per certificate period - not subject to deductible or overall maximum limit
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| Natural Disaster – Replacement Accommodations | Up to $250 a day for 5 days - not subject to deductible |
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Natural Disaster – Replacement Accommodations Up to $250 a day for 5 days - not subject to deductible
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| Personal Liability | Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit |
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Personal Liability Lifetime Maximum: $25,000
Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit |
| Excluded Medical Expenses | Certain types of medical expenses are excluded from coverage under Atlas MultiTrip 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, except as covered under the **Acute Onset of Pre-Existing Condition benefit • Routine medical examinations • Routine pre-natal care, pregnancy, childbirth, 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) |
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Excluded Medical Expenses Certain types of medical expenses are excluded from coverage under Atlas MultiTrip 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, except as covered under the **Acute Onset of Pre-Existing Condition benefit
• Routine medical examinations
• Routine pre-natal care, pregnancy, childbirth, 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)
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| Pre-Existing Conditions | *Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
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Pre-Existing Conditions *Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
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| Acute Onset of Pre-existing Condition | **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Acute Onset of Pre-existing Condition **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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| Overall Maximum Limit | $1,000,000 |
|---|---|
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Overall Maximum Limit $1,000,000
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| Maximum Per Injury or Illness | $1,000,000 |
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Maximum Per Injury or Illness $1,000,000 |
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| Deductible | $250 per covered trip |
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Deductible $250 per covered trip |
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| Coinsurance | We will pay 100% of eligible expenses after the deductible up to the overall maximum limit |
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Coinsurance We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
|
|
| Emergency Room Co-Payment | Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital.
|
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Emergency Room Co-Payment Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital.
|
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| Urgent Care Center Co-Payment | Claims Incurred in the U.S. You are responsible for a $15 co-payment for each visit - not subject to deductible Claims Incurred Outside the U.S. No co-payment |
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Urgent Care Center Co-Payment Claims Incurred in the U.S.
You are responsible for a $15 co-payment for each visit - not subject to deductible Claims Incurred Outside the U.S. No co-payment |
|
| Travel Assistance Services | Atlas MultiTrip customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
|
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Travel Assistance Services Atlas MultiTrip customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
|
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| Policy Documents | Click here to view your policy documents. |
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Policy Documents |
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| Hospital Room and Board | Average semi-private room rate, including nursing services |
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Hospital Room and Board Average semi-private room rate, including nursing services
|
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| Local Ambulance | Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient. |
|
Local Ambulance Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient.
|
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| Intensive Care Unit | Up to the overall maximum limit |
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Intensive Care Unit Up to the overall maximum limit
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| Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day |
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Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day
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| Emergency Dental | Up to $300 - not subject to deductible |
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Emergency Dental Up to $300 - not subject to deductible
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| Emergency Eye Exam Copayment | Up to $150; $50 copayment per occurrence (plan deductible is waived) |
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Emergency Eye Exam Copayment Up to $150; $50 copayment per occurrence (plan deductible is waived)
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| Hospital Indemnity | $100 per day of inpatient hospitalization - not subject to deductible |
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Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible
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| Acute Onset of Pre-Existing Condition (Click “Exclusions” Tab To See Benefit Description) | Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
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Acute Onset of Pre-Existing Condition (Click “Exclusions” Tab To See Benefit Description) Up to the overall maximum limit
Up to $25,000 lifetime maximum for Emergency Medical
Evacuation
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| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
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Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
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| All Other Eligible Medical Expenses | Up to the overall maximum limit |
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All Other Eligible Medical Expenses Up to the overall maximum limit
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| Disclaimers | *Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Disclaimers *Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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| Repatriation of Remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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Repatriation of Remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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| Local Burial or Cremation | Up to $5,000 lifetime maximum - not subject to deductible |
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Local Burial or Cremation Up to $5,000 lifetime maximum - not subject to deductible
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| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) | Under Age 18 Lifetime maximum: $5,000 Death: $5,000 Loss of 2 limbs: $5,000 Loss of 1 limb: $2,500 Ages 18 through 69 Lifetime maximum: $25,000 Death: $25,000 Loss of 2 limbs: $25,000 Loss of 1 limb: $12,500 Ages 70 through 74 Lifetime maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 75 and Older 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 |
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Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) Under Age 18 Lifetime maximum: $5,000 Death: $5,000 Loss of 2 limbs: $5,000 Loss of 1 limb: $2,500 Ages 18 through 69 Lifetime maximum: $25,000 Death: $25,000 Loss of 2 limbs: $25,000 Loss of 1 limb: $12,500 Ages 70 through 74 Lifetime maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 75 and Older 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 |
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| Common Carrier Accidental Death | Under Age 18 $10,000 |
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Common Carrier Accidental Death Under Age 18 $10,000 |
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| Trip Interruption | Up to $10,000 - not subject to deductible |
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Trip Interruption Up to $10,000 - not subject to deductible
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| 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 |
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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
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| Lost Checked Luggage | Up to $1,000 - not subject to deductible |
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Lost Checked Luggage Up to $1,000 - not subject to deductible
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| Lost or Stolen Passport/Travel Visa | Up to $100 - not subject to deductible |
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Lost or Stolen Passport/Travel Visa Up to $100 - not subject to deductible
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| 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 |
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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
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| Emergency Medical Evacuation | Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click “Exclusions” tab to see benefit description) - not subject to deductible or overall maximum limit |
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Emergency Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click “Exclusions” tab to see benefit description) - not subject to deductible or overall maximum limit
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| Political Evacuation | Up to $100,000 lifetime maximum - not subject to deductible |
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Political Evacuation Up to $100,000 lifetime maximum - not subject to deductible
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| Emergency Reunion | Up to $100,000, subject to a maximum of 15 days - not subject to deductible |
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Emergency Reunion Up to $100,000, subject to a maximum of 15 days - not subject to deductible
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| Bedside Visit | Up to $1,500 - not subject to deductible |
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Bedside Visit Up to $1,500 - not subject to deductible
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| Return of Minor Children | Up to $50,000 - not subject to deductible |
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Return of Minor Children Up to $50,000 - not subject to deductible
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| Pet Return | Up to $1,000 - not subject to deductible |
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Pet Return Up to $1,000 - not subject to deductible
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| Disclaimers | *Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
|
|
Disclaimers *Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
|
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| Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10,000 per certificate period - not subject to deductible or overall maximum limit |
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Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses Up to $10,000 per certificate period - not subject to deductible or overall maximum limit
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| Natural Disaster – Replacement Accommodations | Up to $250 a day for 5 days - not subject to deductible |
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Natural Disaster – Replacement Accommodations Up to $250 a day for 5 days - not subject to deductible
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| Personal Liability | Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit |
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Personal Liability Lifetime Maximum: $25,000
Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit |
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| Excluded Medical Expenses | Certain types of medical expenses are excluded from coverage under Atlas MultiTrip 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, except as covered under the **Acute Onset of Pre-Existing Condition benefit • Routine medical examinations • Routine pre-natal care, pregnancy, childbirth, 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) |
|
Excluded Medical Expenses Certain types of medical expenses are excluded from coverage under Atlas MultiTrip 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, except as covered under the **Acute Onset of Pre-Existing Condition benefit
• Routine medical examinations
• Routine pre-natal care, pregnancy, childbirth, 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)
|
|
| Pre-Existing Conditions | *Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
|
Pre-Existing Conditions *Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
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| Acute Onset of Pre-existing Condition | **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Acute Onset of Pre-existing Condition **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Why Choose WorldTrips for Annual Travel Insurance?
WorldTrips has been a leader in the travel insurance industry since 1998. When you purchase annual travel medical insurance from WorldTrips, you can travel confidently knowing your annual plan covers unexpected eligible medical benefits.
Our customer service team is available 24/7 to support you if you encounter a travel emergency. Travel assistance services like hospital and pharmacy referrals, can help replacing lost travel documents, translation assistance, and more are available during business hours 365 days a year.
We are proud to have been recognized in two Forbes Advisor award categories this past year: “Best Travel Insurance Companies” and “Best Covid-19 Travel Insurance Plans.” We have also been featured in Forbes, CNBC, CNN Underscored, Condé Nast Traveler, USA Today, and NerdWallet.
“WorldTrips is the best travel insurance company of 2024, based on our in-depth analysis of travel insurance policies."
How Many Trips Do I Have To Take To Make Annual Travel Insurance Worth It?
The number of trips required to make annual travel medical insurance worth the price depends on several personal factors:
Frequency of Travel
If you anticipate taking two or more international trips in the next year, annual travel medical insurance may be more cost-effective than purchasing a separate insurance plan for each trip.
Length of Trips
When you purchase a single travel medical insurance plan, the length of your trip impacts your cost. Longer trips mean a higher premium. Annual travel medical insurance covers you for any number of international trips of up to 30 or 45 days, so multiple trips of several weeks or more may justify the expense.
Destinations
Your travel medical policy may be more expensive if you’re planning to travel to a destination with more costly healthcare. Consider annual travel medical insurance for multiple international trips to a location with higher medical costs, like the United States.
Ultimately, the decision to purchase annual travel insurance depends on your travel habits, preferences, and budget. If you travel abroad frequently throughout the year and want the convenience of continuous medical coverage, annual travel medical insurance may be a worthwhile investment for you.
Remember: Quotes from WorldTrips are quick and free. You can get multiple quotes for single-trip plans and compare the cost to annual travel insurance to see what makes the most sense for your travel plans.
Understanding Coverage Periods for Annual Travel Insurance
Your Atlas MultiTrip medical insurance plan will provide you with 364 days of international travel medical coverage starting from the day your policy goes into effect—whether that’s at the start of a calendar year or any time after. You can purchase annual travel insurance coverage before your trip, on the day you leave, or even after you’ve departed.
How Annual Travel Medical Insurance Works in Action
- You’re hospitalized after you fall and break your leg while exploring your destination.
- Your fall also causes damage to your teeth which requires emergency dental treatment.
Because your accident is covered under your Atlas MultiTrip annual travel insurance plan, your Emergency Dental benefit can provide up to $300 for emergency dental treatment or dental surgery necessary to restore or replace natural teeth that are lost or damaged.
- Your airline loses your checked luggage and is unable to track it down. You pay out-of-pocket to replace your clothes, swimsuit, and toiletries.
You file a claim after your luggage has been lost for 10 days. Your Atlas MultiTrip plan can reimburse you for eligible expenses (up to $50 per item and up to $1,000 total).
- You’re overseas for a business conference when a terrorist attack occurs. The U.S. Department of State changes the travel alert for your current country from a level 1 to a level 3.
You contact WorldTrips immediately and find out that you’re eligible for your Atlas MultiTrip plan’s Political Evacuation benefit. Your plan can pay for the cost of your flight back to your home country to ensure your safety.
- You’re on vacation with your family, including your young children. Your five-year old accidentally leaves the bathroom faucet running while you’re out exploring all day, causing water to overflow and damage the cabinets and flooring below.
Your Atlas MultiTrip annual travel insurance plan includes a Personal Liability benefit with coverage for damage to third-person property. If you meet all the conditions of this benefit, you will be covered for up to $25,000 of damages.
I’m a Digital Nomad. Do I Need Nomad Insurance or Annual Travel Insurance?
Digital nomads often find themselves working abroad for long periods. Which type of travel medical insurance plan would better align with your travel plans depends on whether you plan to take short, frequent trips abroad or you tend to work abroad for multiple months (or even up to a year) at a time.
WorldTrips’ Atlas Nomads insurance can provide non-U.S. residents who are traveling abroad outside of the U.S. with weeks, months, or even a year of continuous coverage. It may be a good solution for you if you’re planning to live and work abroad for one long stretch of time, or if you’re unsure of your travel plans and don’t want to lock yourself into a year of coverage. With Atlas Nomads, you’ll have the option to pay monthly and extend your coverage month-to-month.
WorldTrips’ Atlas MultiTrip annual travel medical insurance is designed for residents of most countries who are taking recurrent trips abroad. Your coverage will span 364 days but is limited to international trips of 30 or 45 days each—you choose which upon purchase.
Explore More Travel Medical Insurance Plans
Maybe you’ve determined that annual travel insurance is not the right type of insurance for your travel plans. Consider these additional travel medical plans.
If you’re taking a single international trip
Almost anyone who is traveling outside of their home country is eligible for our Atlas Travel plan. You’ll get coverage for unexpected injury and illness, medical evacuation coverage, and more.
If you’re seeking the highest coverage limits for a trip
Upgrade to our Atlas Premium plan for travel medical insurance that provides our highest coverage limits. Consider this plan for shorter trips due to the increased cost.
If you’re visiting family in the United States
There is a lot to explore in the U.S., but with higher healthcare costs, you may want to consider U.S. visitor medical insurance. Atlas America can help cover eligible medical expenses in the event of a health emergency.
If you’re traveling abroad in a group of 5 or more
Residents of most countries who are traveling overseas together can make one convenient payment and get Atlas Group travel medical coverage at a reduced rate for their entire crew.
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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.