Atlas International 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 International 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 International 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 International 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 International 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 International 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.
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 International Insurance Coinsurance?
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
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
Atlas International Travel Insurance For Coverage Outside USA
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.
Acute onset of pre-existing condition coverage
For under age 70 - Up to the overall maximum limit and age 70 to 79 - Up to the overall maximum limit or $100,000, whichever is lower (excludes chronic and congenital conditions).
Covers $25,000 lifetime maximum for emergency medical evacuation.
Plan administrator provides VISA LETTER online in English and Spanish.
Travelers traveling outside their home country and outside of US can buy this plan.
Life time maximum $50,000 and $100,000 for medical expenses (based on the choosen plan maximum) and $25,000 for emergency medical evacuation for acute onset of a pre-existing condition. The insured age should be below 70 years.
Insured between the age 70-79 years can get coverage of $50,000 or $100,000.
Refund of full premium if cancellation of policy is requested before the policy start date. If cancellation request is received after the policy start date, then only unused portion of the plan cost will be refunded after deducting the cancellation charges.
Travel and medical assistance include pre-trip destination information, medical monitoring, provider referrals, travel document replacement, lost luggage assistance, prescription drug replacement, dispatch of physician.
Optional coverage for adventurous sports.
Coverage for pregnancy complications during the first 26 weeks of gestation.
This plan also covers for terrorism, political evacuation, natural disaster benefit and return of minor children.
Acute onset of pain for dental emergency is $100 limit per certificate period.
Renewable plan up to 36 months.
PPO network: Easy to locate doctors and hospitals.
Co-insurance outside of US and Canada - For the certificate period, plan pays 100% of eligible medical expenses.
Co-insurance inside of US and Canada - For the certificate period, plan pays 80% for the first $5000 of eligible medical expenses and then 100% up to policy maximum. Coinsurance is waived if expenses are incurred within the PPO network.
Optional Rider: Extra $50,000 coverage for AD&D at an additional price
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)
Tokio Marine HCC(HCCMIS) Atlas International Travel Insurance summary
Atlas International Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Atlas Travel Insurance Underwriter
Underwritten by Lloyds, London.
What is the eligibility to buy Atlas International Insurance 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 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 Plan Benefits
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. - 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-paymentClaims 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 AmbulanceUsual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Benefit Period90 days per certificate period.
Emergency Medical Evacuation$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Repatriation of remainsEqual to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
Return of minor childrenUp to $50,000 (not subject to deductible or coinsurance).
Emergency ReunionUp to $100,000, maximum of 15 days (not subject to deductible or coinsurance).
Acute onset of pre-existing condition emergency medical evacuationCovers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).
Acute onset of pre-existing conditionUnder 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 deathUp 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 LossUp to $150. $50 deductible per occurrence (plan deductible is waived).
Lost checked luggageUp to $1000 (not subject to deductible or coinsurance).
Trip interruptionUp to $10,000 (not subject to deductible or coinsurance).
Travel delayUp to $100 a day after a 12-hour delay period, maximum of 2 days.
Natural disasterUp to $250 a day for 5 days (not subject to deductible or coinsurance).
Political evacuationUp to $10,000 lifetime maximum (not subject to deductible or coinsurance).
TerrorismUp 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 liabilityUp 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 Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit)..
Lost or Stolen Passport/Travel VisaUp to $100 – not subject to deductible
Outpatient physical therapy and chiropractic careUp to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).
Pet returnUp to $1,000 (not subject to deductible or coinsurance).
Bedside visitUp to $1,500 (not subject to deductible or coinsurance).
Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses)Up to $10,000 (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).
Local Burial or CremationUp to the overall maximum limit(not subject to deductible).