Atlas America

Tokio Marine HCC

International travel can represent financial risk. The benefits of many standard medical insurance policies do not apply beyond the borders of your home country. An Atlas  America Travel insurance plan can be the difference between a trip ruined by unexpected illness or injury and a trip with access to quality care and financial help if the unexpected strikes.

General

Coinsurance
Within the PPO: Pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Medical Benefits

Hospital Room and Board
Average semi-private room rate, including nursing services
Surgical Treatment
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Intensive Care
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Physician Visits
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Surgical Treatment (Outpatient)
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Prescription Medication
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Diagnostic Procedures
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Pre-Existing Conditions
Acute Onset of Pre-existing Condition for under age 80 (excl chronic and congenital conditions) | Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower
Maternity
No Coverage
Routine physical examination
No Coverage
Physical Therapy
$50 maximum per day. Must be ordered in advance by a physician.
Ambulance
Up to maximum limit (Subject to coinsurance & deductible)
Emergency Room
Up to maximum limit. $200 co-payment if not admitted to the hospital.
Hospital Indemnity
$100 per day of inpatient hospitalization for member’s use to offset miscellaneous expenses (not subject to deductible or coinsurance).
Dental Benefits

Unexpected pain to sound natural teeth
$250 limit per certificate period (acute onset of pain)
Accident related Emergency
Life Insurance

Accidental Death & Dismemberment
$250,000 maximum benefit per one family or group
Common Carrier Accidental Death
Ages 18 through 69: $50,000 /Under age 18: $25,000/Ages 70 through 74: $12,500 /Ages 75 and other: $6,250 subject to a maximum of $250,000 any one family or group
Other Travel Benefits

Emergency Medical Evacuation
$1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition
Return of Mortal Remains or Cremation/Burial
Overall maximum limit (not subject to deductible or coinsurance)/$5,000 lifetime maximum
Emergency Reunion
Up to $100,000, subject to a maximum of 15 days
Return of Minor Children
$50,000 per certificate period (not subject to deductible or coinsurance).
Trip Interruption
Up to $10,000
Loss Luggage
$500 limit per certificate period
Terrorism
$50,000 maximum lifetime limit, eligible medical expenses only.
Coverage Information
Plan Type
Comprehensive
Acute Onset
Yes
Cancelable
Yes
Renewable
Yes
Adventure
No
Dependent Eligible
Yes

Disclaimer
As part of our service, we also strive to explain products and answer questions right here on this website. Still, we must offer a disclaimer for our travel medical insurance and other travel insurance guides. As with any insurance, you must read the insurance company's brochures and policy or certificate before making a purchase. The insurance company's documents explain policy features, benefits, exclusions, limitations, claims handling, and other critical details. If you ever find a conflict between our website's wording and information from the insurance company, the insurance company's documents take precedence and represent your legal contract.