Atlas Multi-Trip Insurance
Atlas MultiTrip comprehensive travel medical insurance ideal for corporate executives and other professionals who require travel medical insurance coverage for numerous international trips annually. This plan is a budget-friendly health insurance solution for frequent international work travelers.This Annual multi-trip insurance plan covers trips up to 30 or 45 days in length per trip, but you may take several trips throughout a period of one year.This plan can be available up to 12 months and it can be renewable.
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Atlas Multitrip Insurance - Key Highlights
- This plan is for people doing multiple trips outside their home country during a period of one year.
- Coverage applies to multiple trips up to 30 or 45 days (as elected) in length during the 364 day contract period.
- Plan provides an overall maximum limit of $1M.
- Plan provides a deductible of $250 per covered trip.
- There is no co-insurance and the plan pays 100% of eligible expenses after the deductible up to overall maximum limit.
- For claims incurred in the US,there will be $200 co-payment for each use of the emergency room for an illness unless you are admitted to hospital. No co-payment for treatment of injury in an emergency room. For claims incurred outside the US, no co-payment.
- 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 condition is available up to the overall maximum limit only for under age 70 (excludes chronic and congenital conditions) and $25k lifetime maximum for emergency medical evacuation.
- Emergency dental(acute onset) up to $300 coverage is available.
- Emergency Medical Evacuation of $1M lifetime maximum is available except as under acute onset of pre-existing conditions(not subject to deductible or overall maximum limit.
- 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).
- 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).
- Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available for up to $10k (not subject to deductible or overall maximum limit)
- Accidental death and dismemberment is available (Excludes loss due to common carrier accident). Details are in the Brochure of the plan.
WorldTrips Atlas Multitrip travel insurance Summary
Atlas Multitrip insurance Eligibility
- If you are under age 66 and you maintain medical insurance that covers you while you are in your Home Country, you are eligible for Atlas MultiTrip.
- Your Spouse under age 66 and dependent children who are at least 14 days up through age 18 may also be covered, provided they too maintain medical insurance that covers them while they are in their Home Country.
Atlas Multitrip insurance Coinsurance
- Claims incurred inside U.S.: For each trip, Underwriters will pay 80% of the next $5k of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit.
- Claims incurred outside U.S.: For each trip, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions Atlas Travel provides a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 80, you may be covered for an acute onset of a pre-existing condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation.
An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.
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Atlas MultiTrip insurance - FAQ's
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.
The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.
You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas America Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.
The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
Plan benefits of Atlas Multitrip insurance
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Hospital room and board Average semi-private room rate, including nursing services. Intensive care unit Up to the overall maximum limit. -
Outpatient physical therapy and chiropractic care Atlas Multi trip Covid19 Annual Travel insurance for Coronavirus offers coverage for unexpected medical expenses, including eligible expenses related to Covid19. Urgent care center co-payment Claims incurred in the U.S.- Up to $25 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S.- No co-payment. -
Emergency local ambulance Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient. Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurrence (plan deductible is waived). Emergency room co-payment Claims 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. Emergency dental (acute onset of pain) Up to $300 - not subject to deductible -
Emergency medical evacuation Up to $1M 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 $50k -not subject to deductible Trip Interruption Up to $10k - not subject to deductible Travel Delay Up to $100 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 $100k, subject to a maximum of 15 days -not subject to deductible Natural Disaster – Replacement Accommodations Up to $250 per day for up to 5 days -not subject to deductible Political evacuation Up to $100k lifetime maximum - not subject to deductible Lost Checked Luggage Up to $1k - not subject to deductible Lost or Stolen Passport/Travel Visa Up to $100 - not subject to deductible Political Evacuation Up to $100k lifetime maximum - not subject to deductible Accidental death & dismemberment Members under age 18: Up to $5k lifetime maximum.
Members age 18-69: Up to $25k lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250k maximum benefit any one family or group.Common carrier accidental death Up to $50k for ages 18 through 69
Up to $10k under age 18
Up to $25k for ages 70 through 74
Up to $12,500 for ages 75 and older
Maximum of $250k for any one family or group.Acute onset of pre-existing condition Covers up to overall maximum limit, under age 70.Up to $25k lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions) Pet Return Up to $1k - not subject to deductible or coinsurance. Crisis Response- Ransom, Personal Belongings, and Crisis Response Fees and Expenses Up to $10k( not subject to deductible or overall maximum limit). Optional Crisis Response Rider with Natural Disaster Evacuation Up to $90k per certificate period, with $10,000 maximum for Natural Disaster Evacuation( 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). Sports Coverage Certain extreme or adventure sports activities is included. Acute Onset of Pre-Existing Condition* Covers up to overall maximum limit, under age 70.Up to $25k lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions)
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Atlas Multi-trip - PPO network
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here
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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.