Policy maximum? Age 80+:$20,000. 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.
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.
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Atlas Premium travel insurance provides exceptional, quality coverage for travelers interested in the best travel medical insurance with high coverage limits.
The Atlas Premium plan is ideal for family, tourists, business persons, vacationers and adventure travelers.
This plan provides coverage up to $250,000 for 70 to 79 year old travelers.
Tokio Marine HCC(HCCMIS) Atlas Premium travel insurance summary
Hospital room and boardAverage semi-private room rate, including nursing services.
Intensive care unitUp to the overall maximum limit.
Emergency room co-paymentClaims 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-paymentClaims 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.
Emergency Dental (acute onset of pain)Up to $300. Not subject to deductible.
Hospital Indemnity$100 per day of inpatient hospitalization. Not subject to deductible.
Acute Onset of Pre-existing Condition (only available to members under age 80)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)
Acute onset of pre-existing condition emergency medical evacuationCovers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).
Emergency Medical EvacuationUp 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 RemainsEqual to the elected overall maximum limit (not subject to deductible or coinsurance or subject to the overall maximum limit).
Local Burial or CremationUp to $5,000 lifetime maximum.
Local AmbulanceUsual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient)
TerrorismUp to $50,000 lifetime maximum, eligible medical expenses only.
Accidental death & dismemberment
Members under age 18: Up to $5,000 lifetime maximum.
Members age 18-69: Up to $100,000 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 deathUp to $50,000 for ages 18 through 69 Up to $25,000 under age 18 Up to $12,500 for ages 70 through 74 Up to $6,250 for ages 75 and older Maximum of $250,000 for any one family or group.
Emergency Eye Exam for a Covered LossUp to $150. $50 deductible per occurence (plan deductible is waived).
Lost checked luggageUp to $2,000. Not subject to deductible.
Trip interruptionUp to $15,000. Not subject to deductible.
Travel delayUp to $200 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 disasterUp to $500 a day for 5 days. Not subject to deductible.
Political evacuationUp to $150,000 lifetime maximum. Not subject to deductible.
Personal liabilityUp to $100,000 lifetime maximum Up to $100,000 third person injury Up to $100,000 third person property Up to $2,500 related third person property not subject to deductible, or overall maximum limit
Border Entry ProtectionUp to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border. Not subject to deductible.
Lost or Stolen Passport/Travel VisaUp to $100(not subject to deductible).
Atlas Premium travel insurance coverage for Coronavirus
On March 11, 2020, the U.S. Department of State issued a Global Level 3 Travel Advisory urging U.S. residents to reconsider traveling abroad to any country.
If you are an Atlas Premium policyholder, this activates your political evacuation benefit as long as your location has not been under a level 3 or higher advisory in the past 10 days, or prior to your arrival.
All travel health insurance plans in the Atlas Premium contain the following exclusion:
Charges resulting from a disease outbreak in a country or location where the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 travel warning are excluded if:
The warning has been in effect within the 6 months immediately prior to your date of arrival, or
You fail to depart the country or location within 10 days following the date the warning is issued
If the CDC Issues a Level 3 Travel Warning for the Location Where You Are Currently Traveling:
Coronavirus-related expenses will be covered for up to 10 days following the date the level 3 warning is issued, given that your expenses do not arise directly or indirectly from another policy exclusion.
Once 10 Days Have Passed from the Date the CDC Issued the Level 3 Travel Warning for Your Current Location:
You will no longer be covered for coronavirus-related expenses. You will still be covered for all other eligible expenses.
What This Exclusion Means for Atlas Premium Insurance Policyholders
The CDC issued a “Level 3 – Avoid Nonessential Travel” warning for Wuhan, China on January 23, 2020.
The CDC expanded this "Level 3 - Avoid Nonessential Travel" warning to apply to all of China on January 27, 2020.
If you are currently traveling in China and you do not depart the warned-against location within 10 days of the date the warning was issued: Your Atlas or StudentSecure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
If you plan to travel to China against CDC advice while a level 3 travel warning is still in effect: Your Atlas Premium plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
If you plan to travel to China after the level 3 travel warning is cancelled or downgraded: Your Atlas Premium plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China until 6 months after the date the level 3 travel warning was cancelled or downgraded.
The U.S. Department of State issued a “Level 3: Reconsider Travel” advisory for China on January 27, 2020. This advisory was upgraded to a “Level 4: Do Not Travel” advisory for China on January 30, 2020.
Note that you are still covered for eligible expenses incurred in China while the travel warning is in effect if the expenses do not result from a disease outbreak, terrorist act, political unrest, or other policy exclusions.
Atlas Premium Insurance – Does it satisfy US visa requirements?
For anyone coming to the United States, you will need to have a visa issued in your passport to be allowed in to country unless you are a citizen of a country which is part of the US visa waiver program. The list of countries under the Visa waiver program are provided here. The category of visa that you need to apply for is dependent on the reason of your visit to the US. Atlas Premium insurance is very popular with visitors applying for any of these visas to the United States.
Atlas Premium 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:
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
If you are traveling outside the U.S. and have the Equian logo on your ID card, then click here Find Provider Network
Compare quotes and details of Atlas Premium plan with other insurance plans:
Tokio Marine HCCMIS resourceful travel insurance links
