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Atlas America

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Eligibility to buy Atlas America insurance
- Non-US Citizens traveling outside their home country.
Coinsurance of IMG Atlas America Insurance
- Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Acute Onset of Pre-Existing Condition
- Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions)
Atlas America 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.
Atlas America Travel insurance - key highlights
- This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
- This plan is available to both Non-US citizens and US citizens traveling outside their home country.
- The deductible options for this plan are $0, $100, $250, $500, $1000, $2500 and $5000 per Certificate period.
- The policy maximum options available with this plan are $50,000, $100,000,250,000, $500,000, $1000,000 or $2,000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $10,000.
- You will be eligible for coverage of acute onset of pre-existing conditions if you are younger than 80 and all the conditions mentioned in the brochure are met. This includes a $25,000 lifetime maximum for emergency medical evacuation.
- Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
- Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
- Trip Interruption coverage available for upto $10,000 not subject to deductible
- Travel Delay coverage is available for upto $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
- Lost checked luggage up to $1000 - not subject to deductible.
- Political Evacuation available up to $100,000 lifetime maximum not subject to deductible.
- Bedside visit up to $1500 not subject to deductible.
- Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10,000 per member, from age 18 to 69 - $50,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
- Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Atlas International

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Atlas International 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.
Atlas International Travel insurance optional riders
- Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Acute Onset of Pre-Existing Condition
- Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions)
Atlas International 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.
Atlas International travel Insurance - Key highlights
- This plan is a comprehensive international plan that is available for Non US citizens and US citizens traveling outside their home country.
- The deductible options for this plan are $0, $100, $250, $500, $1000 , $2500 and $5000 per Certificate period
- The policy maximum options available with this plan are $50,000, $100,000 ,$250,000 ,$500,000 , $1000,000 or $2,000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $10,000.
- No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
- Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
- Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
- Trip Interruption coverage available for up to $10,000 not subject to deductible.
- Travel Delay coverage is available for up to $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
- Lost checked luggage up to $1000 - not subject to deductible.
- Political Evacuation available up to $100,000 lifetime maximum not subject to deductible.
- Bedside visit up to $1500 not subject to deductible.
- Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10,000 per member, from age 18 to 69 - $50,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
- Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Atlas Premium

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Atlas Premium insurance Coinsurance
- Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Acute Onset of Pre-Existing Condition
- Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions)
Atlas Premium 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.
Atlas Premium Travel insurance - Key highlights
- The deductible options for this plan are $0, $100, $250, $500, $1000 , $2500 and $5000 per Certificate period
- The policy maximum options available with this plan are $50,000, $100,000 ,$250,000 ,$500,000 , $1000,000 or $2,000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $20,000.
- No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
- Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
- Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
- Trip Interruption coverage available for up to $15,000 not subject to deductible.
- Travel Delay coverage is available for up to $200 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
- Lost checked luggage up to $2000 - not subject to deductible.
- Political Evacuation available up to $150,000 lifetime maximum not subject to deductible.
- Bedside visit up to $1500 not subject to deductible.
- Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10,000 per member, from age 18 to 69 - $100,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
- Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Atlas Essential

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Coinsurance of WorldTrips Atlas Essential Insurance
- Within the PPO: We will pay 75% of eligible expenses after the deductible to the overall maximum limit.
- Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Atlas Essential 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.
Atlas Essential Travel insurance - Key highlights
- The deductible options for this plan are $0, $100, $250, $500, $1000, $2500 and $5000 per Certificate period.
- The policy maximum options available with this plan are $50,000, $100,000,250,000, $500,000, or $1000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $10,000.
- Co-insurance with this plan for expenses incurred within the PPO, 75% of the expenses after the deductible is paid by the company and rest needs to be paid by you(insured).
- Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
- Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible. For claims outside the US, there is no co-payment.
- Emergency Medical Evacuation is covered for $500,000 lifetime maximum(Not subject to deductible, co-insurance or overall maximum limit).

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