Atlas Travel Medical Insurance: International Coverage

When you’re heading abroad, you can’t always predict what might go wrong with your health. Atlas Travel Medical Insurance steps in to bridge the gap, offering emergency coverage when you’re far from home. Whether you’re planning a short getaway or a longer stay, understanding how this insurance guards your journey could influence your next steps—especially as you weigh the realities of international healthcare. But what exactly does coverage look like once you cross the border?

Key Features of Atlas International Medical Coverage

Atlas International Medical Coverage offers travelers a variety of coverage options to suit differing needs, with maximum coverage levels ranging from $50,000 to $2,000,000 for individuals under the age of 65. For older travelers, specific limits apply.

The policy allows for a selection of deductibles between $0 and $5,000, and covers a range of eligible medical expenses, including hospital room and board, emergency room visits, and treatments related to COVID-19.

This insurance, underwritten by TMHCC, is designed for trips lasting from 5 to 364 days outside one's home country, with the exception of Florida.

Key features include access to a Preferred Provider Organization (PPO) network, MedEvac client services for evacuation needs, support for Schengen visa requirements, and benefits in the event of trip interruption.

For additional details and comprehensive information, it is advisable to consult the policy Brochure or Summary.

Eligibility Criteria and Policy Terms

Atlas Travel Medical Insurance offers coverage for international travelers, subject to specific eligibility criteria. To qualify, applicants must be at least 14 days old and must be traveling outside their home country, with the exception of Florida.

The insurance is available globally, including for travelers outside the United States.

Policy periods for coverage can range from a minimum of 5 days to a maximum of 364 days and can be extended or renewed, though the total duration of coverage cannot exceed one year per plan period.

The coverage limits are contingent upon the applicant's age: individuals under 65 can secure coverage ranging from $50,000 to $2,000,000, while older applicants have access to lower limits.

It is important to note that Atlas plans are underwritten by Tokio Marine HCC and comply with Schengen visa requirements, which may be relevant for those traveling to Europe.

Overall, Atlas Travel Medical Insurance provides options tailored to various travel needs and age groups, ensuring that international travelers can find suitable coverage for their trips.

Customization Options and Coverage Limits

Atlas Travel Medical Insurance offers a range of customization options, allowing policyholders to align their coverage with individual health needs and financial constraints. Customers can select a deductible between $0 and $5,000.

Additionally, the plan's maximum coverage amount varies from $50,000 to $2,000,000, with specific limits applicable to certain age groups.

The insurance is available for durations ranging from 5 days to 364 days and can be extended or renewed. It provides coverage for travelers outside their home country, although it is not applicable in Florida.

Underwritten by Tokio Marine HCC, Atlas offers worldwide coverage that includes eligible expenses for acute onset conditions, emergency room services, and hospital room and board.

For further details, interested individuals are encouraged to consult the Brochure, Summary, Customer Network, and the America Member Portal for a comprehensive understanding of the offerings.

Benefits, Exclusions, and Limitations

Atlas Travel Medical Insurance offers a detailed range of benefits primarily focused on addressing medical needs for international travelers outside their home country. The coverage includes expenses related to hospital stays, physician services, prescription medications, and emergency medical evacuation.

Notably, it covers costs for Hospital Room and Board, urgent care in emergency rooms, Accidental Death benefits, and acute onset of pre-existing conditions for individuals under the age of 80.

The policy is structured with specific limits that vary based on the insured's age and the chosen insurance plan. However, certain exclusions apply, including routine examinations, injuries resulting from high-risk activities, self-inflicted injuries, and substance abuse.

Additionally, policyholders are required to obtain pre-certification for certain services and must submit claims within 60 days of the end of the insurance period. For a thorough understanding of the policy's features, limitations, and requirements, consulting the Brochure, Summary, or Client Services is recommended.

Claims Process and Support Services

Navigating the process of filing an international medical claim can appear complex; however, Atlas Travel Medical Insurance streamlines this procedure effectively.

To ensure timely review by Client Services, eligible expenses must be submitted within 60 days of the conclusion of the coverage period. Notably, pre-certification is mandatory for certain services, including hospitalization, surgery, or medical evacuation via Client Services.

Atlas provides clients with access to a global network of providers that facilitate cashless billing. Additionally, coverage includes provisions for Trip Interruption and Accidental Death.

For clients located outside the United States or those traveling abroad, resources are available through the America Member Portal, which includes service provider contacts and 24/7 emergency assistance in English and Spanish.

For further details on the claims process and services offered, it is advisable to refer to the official brochure.

Conclusion

When you're traveling abroad, Atlas Travel Medical Insurance offers straightforward protection and support. You’ll have flexible options, comprehensive emergency coverage, and access to a global healthcare network. While you should always review exclusions and coverage details, enrolling is fast and you can file claims with guidance any time you need. With Atlas, you’re not traveling alone—you’ve got reliable assistance, so you can focus on your trip and let them handle unexpected medical events.