Atlas Group Travel Insurance

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• Application
• ID card
• Detailed description
• Benefits
• Comprehensive
  × Comprehensive plan

  • 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)

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• There will be a $200 co-payment for each use of the emergency room for illness unless you are admitted to the hospital for claims incurred in the US.There is no co-payment for an injury and claims incurred outside of the US.
• For claims incurred in the US, there will be $15 co-payment for Urgent Care Center for each visit and no co-payment for $0 deductible. For claims incurred outside the US, no co-payment.
• Acute onset of pre-existing conditions is available up to the overall maximum limit.
• The overall policy maximum is $75k and the deductible is $0.
• Trip Interruption is available up to $10k not subject to deductible.
• Travel delay coverage available for $100 a day after a 12 hour delay period requiring unplanned overnight stay. Subject to maximum of 2 days(Not subject to deductible).
• Lost checked luggage covered up to $1k(Not subject to deductible).
• 79 years old turing 80 during the coverage period, Atlas Group plan does not affect coverage as long plan is purchased at age 79.

"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

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

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

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.