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Atlas Multi Trip Insurance administered by WorldTrips (formerly HCC Medical Insurance Services) is the obvious choice for corporate executives and other professionals who require travel medical insurance coverage for numerous international trips annually. Atlas Annual multi trip travel insurance with covid cover for Coronavirus offers coverage for unexpected medical expenses, including eligible expenses related to Covid19
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.
Atlas MultiTrip Insurance Covid19 travel insurance by WorldTrips for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
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.
WorldTrips Covid19 travel insurance by Atlas MultiTrip travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Here are some tips for buying pre-existing conditions travel insurance
There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.
At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.
Atlas Travel Insurance, Atlas America Insurance and Atlas Premium Insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).
A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.
Visitor secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America Insurance policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.
Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
WorldTrips’s Atlas America Insurance and Atlas Premium Insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.
These Acute on set of pre-existing condition excludes the following conditions
Hospital room and board | Average semi-private room rate, including nursing services. |
Intensive care unit | Up to the overall maximum limit. |
Covid Coverage | Atlas Multi trip Covid19 Annual Travel insurance for Coronavirus offers coverage for unexpected medical expenses, including eligible expenses related to Covid19. |
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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