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.
  • Atlas Comparison
  • Example
  • Comprehensive
  • ID Card
  • Application
  • Detailed Description
Age
Traveler 2: Age*
Start Date
End Date
Coverage
Citizenship
*Enter if required: Traveler 2 Age

Tokio Marine HCC(HCCMIS) Atlas Premium plan summary

Policy Maximum
Policy Maximum?
Age 80+: $20,000
Age 70 to 79: $50,000, $100,000 or $250,000.
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
Deductible Options
Deductible Options?
$0, $100, $250, $500, $1,000, $2,500,
or $5,000 per certificate period
Insurance Provider
Insurance Provider
Tokio Marine HCC
Underwriter
Underwriter
Underwritten by Lloyds, London.
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Atlas Travel vs Atlas Premium
Best Rating
Rating
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-
Coinsurance Coinsurance?
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.

underwriters 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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Plan Benefits of Atlas Premium 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. - 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-Payment Claims 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.
Coinsurance Inside the United States - In ppo network: Plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out of ppo network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Outside the United States -Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
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 evacuation Covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).
Emergency Medical Evacuation Up 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 Remains Up to the overall maximum limit.
Local Burial or Cremation Up to $5,000 lifetime maximum.
Local Ambulance Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient
Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only.
Accidental Death and Dismemberment (AD&D)
(Excludes loss due to common carrier accident)
  • 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 for any one family or group (not subject to deductible or overall maximum limit).
Common Carrier Accidental Death
  • Members under age 18: Up to $25,000 lifetime maximum.
  • Members age 18-69: Up to $50,000 lifetime maximum.
  • Members age 70-74: Up to $12,500 lifetime maximum.
  • Members age 75 and older: Up to $6,250 lifetime maximum.
Subject to a maximum of $250,000 any one family or group (not subject to deductible or overall maximum limit).
Trip Interruption Up to $15,000. Not subject to deductible.
Lost Checked Luggage Up to $2,000. Not subject to deductible.
Travel Delay Up 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.
Emergency Reunion Up to $150,000, subject to a maximum of 15 days. Not subject to deductible.
Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day. Must be ordered in advance by a physician. (not subject to coinsurance)
Crisis Response - Ransom, Personal Belongings, Crisis Response Fees and Expenses, and Natural Disaster Evacuation Up to $100,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation. Not subject to deductible or overall maximum limit.
Bedside Visit Up to $1,500. Not subject to deductible.
Return of Minor Children Up to $50,000. Not subject to deductible.
Pet Return Up to $1,000. Not subject to deductible.
Political Evacuation Up to $150,000 lifetime maximum. Not subject to deductible.
Natural Disaster – Replacement Accommodations Up to $500 a day for 5 days. Not subject to deductible.
Personal Liability
  • Up 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 Protection Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border. Not subject to deductible.
*The acute onset of a pre-existing condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care.

The acute onset of a pre-existing condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset
Compare quotes and details of Atlas America plan with other insurance plans:
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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:
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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