Atlas International Insurance

Atlas International is a visitor travel medical insurance plan for coverage outside the USA. It is one of the few visitor insurance plans that waives co-insurance within the PPO network. It is an ideal travel medical insurance for visiting Schengen countries and satisfies Schengen visa requirements. It also works for international travel outside your home country while traveling outside USA. This travel insurance is to take the risk out of international travel and includes coverage for Acts of Terrorism, complications of pregnancy and incidental trips home. It also provides pre-existing condition coverage up to the age of 79 years in the event of life threatening conditions.
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Age
Traveler 2: Age*
Start Date
End Date
Coverage
Citizenship
*Enter if required: Traveler 2 Age
Atlas International Travel Insurance Review
Insurance Provider
Tokio Marine HCC
Plan Life
364 days
Policy Maximum?
Age 80+: $10,000.
Age 70 to 79: $50,000, $100,000 or $150,000.
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Deductible Options?
$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.

Tokio Marine HCC(HCCMIS) Atlas International plan summary

eligibility Atlas International Travel Medical Insurance Eligibility
  • Only US Citizens and non-US citizens whose travel does not include the continental USA, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands, except US citizens whose travel includes an Incidental Trip to the USA, and who are at least 14 days of age are eligible for coverage under this plan.

underwriters Atlas Travel Insurance Restrictions
The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.

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(877) 340-7910

underwriters Atlas Travel Insurance Underwriter
  • Underwritten by Lloyds, London.
Best Rating Atlas International Insurance Rating
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-

Plan Benefits of Atlas International Insurance

Benefits Coverage
Hospital room and board Average semi-private room rate, including nursing services.
Intensive care unit Up to the overall maximum limit.
Emergency room co-payment Claims incurred in the U.S. - Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (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. - Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S. - No co-payment.
Local Ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient
Benefit Period 90 days per certificate period.
Emergency Medical Evacuation $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Repatriation of remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
Return of minor children Up to $50,000 (not subject to deductible or coinsurance).
Emergency Reunion Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance).
Coinsurance? Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Acute onset of pre-existing condition emergency medical evacuation Covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).
Acute onset of pre-existing condition Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
Emergency dental (acute onset of pain) Up to $300 (not subject to deductible or coinsurance).
Accidental death & dismemberment
  • Members under age 18: Up to $5,000 lifetime maximum.
  • Members age 18-69: Up to $25,000 lifetime maximum.
  • Members age 70-74: Up to $12,500 lifetime maximum.
  • Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group.
Accidental death & dismemberment buy up : $25,000
Common carrier accidental death Up to $50,000 for ages 18 through 69
Up to $10,000 under age 18
Up to $25,000 for ages 70 through 74
Up to $12,500 for ages 75 and older
Maximum of $250,000 for any one family or group.
Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurrence (plan deductible is waived).
Lost checked luggage Up to $1000 (not subject to deductible or coinsurance).
Trip interruption Up to $10,000 (not subject to deductible or coinsurance).
Travel delay Up to $100 a day after a 12-hour delay period, maximum of 2 days.
Natural disaster Up to $250 a day for 5 days (not subject to deductible or coinsurance).
Political evacuation Up to $100,000 lifetime maximum (not subject to deductible or coinsurance).
Terrorism Up to $50,000 lifetime maximum for eligible medical expenses only.
Hospital indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Personal liability Up to $25,000 lifetime maximum
Up to $25,000 third person injury
Up to $25,000 third person property
Up to $2,500 related third person property
Personal Liability buy up : $75,000.
Outpatient physical therapy and chiropractic care Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).
Pet return Up to $1,000 (not subject to deductible or coinsurance).
Bedside visit Up to $1,500 (not subject to deductible or coinsurance).
Lost or Stolen Passport/Travel Visa Up to $100 – not subject to deductible
Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses) Up to $10,000 (not subject to deductible or overall maximum limit).

Atlas International Insurance - Provider network and how to find hospital or doctor?

Tokio Marine HCC maintains a wide network of health care providers. In US there are 2 options: First Health care network and United health care.

You need to check your insurance card to find any one of the below 2 logos:
First Health Care Provider Network    United Healthcare Provider Network
  • If you are traveling within the U.S. and have First Health logo on your ID card then click here
  • If you are traveling within the U.S. and have United Healthcare logo on your ID card then click here

Outside US: Equian International Provider Network
Equian International Provider Network
If you are traveling outside the U.S. and have the Equian logo on your ID card, then click here
Find Provider Network

Tokio Marine HCCMIS Resourceful Travel Insurance Links

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