Great wall of China

Atlas
International
Insurance

Atlas International

is Travel Medical Insurance Designed for:

  • Tourists and vacationers
  • Business travelers and digital nomads
  • Missionaries and international volunteers
  • Backpackers, adventure travelers and eco-tourists
  • Study abroad students


TRAVEL MEDICAL INSURANCE FOR INTERNATIONAL TRAVEL


Atlas International is our Atlas Travel plan for individuals whose international travel plans do not include the United States.

Atlas International can provide access to quality healthcare, important medical and emergency travel benefits, and travel assistance as you explore the world abroad. Coverage includes eligible expenses related to COVID-19.


Are you a non-U.S. citizen or resident whose travel plans include the United States? Explore our Atlas America plan for travel to the USA.


get to know international medical insurance

  • Atlas International®
    Insurance
  • Policy
    Documentation
  • Insurance
    Exclusions

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 Travel plan 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

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, $1,000,000, or $2,000,000

Overall Maximum Limit

Age 80 or older: $10,000
Age 65 to 79: $50,000 or $100,000 

All others: $50,000, $100,000, $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

*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:
 

a)       The Acute Onset of a Pre-Existing Condition does not directly 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 of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;

e)       You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;

f)        You must be traveling outside your home country

Policy Documentation

Certain types of medical expenses are excluded from coverage under Atlas International insurance. Some exclusions are listed here. Please refer to the Atlas International (Atlas Travel) 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, 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).

*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.

**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:


  1. The Acute Onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
  2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
  3. You must be under eighty (80) years of age;
  4. You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
  5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
  6. You must be traveling outside your home country
coastal Mediterranean town

Why Do I Need

Atlas International Insurance?

There are many reasons to consider Atlas International insurance for your trip abroad:

  • International travel can represent financial risk. No matter your planned destinations or activities, there’s always a chance you could experience an unanticipated travel complication, accident, or sickness that calls for travel medical insurance. Atlas International can cover eligible hospitalizations, surgery, travel delays, and other expenses required to get your trip back on track.

  • Your regular health insurance may provide limited or no coverage once you leave your home country. That’s why the U.S. Department of State recommends that you “ask your medical insurance company if your policy applies overseas – and if it covers emergency expenses such as medical evacuation.” If it doesn’t, Atlas International can provide the international coverage you need.

  • An emergency medical evacuation can be very expensive. According to the Centers for Disease Control and Prevention (CDC), medical evacuation can cost more than $100,000. Atlas International provides up to $1 million for a covered emergency medical evacuation.

  • Your visa may require travel medical insurance or proof that you’ll be able to pay for unexpected expenses. Atlas International meets the requirements of many visas, including Europe’s Schengen visa. It also provides policyholders with a visa letter that can serve as proof of coverage or help prove your ability to pay for unexpected medical expenses.
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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.