The table below outlines the policy benefits available, per individual, on the Atlas Travel International Travel Medical Insurance plan. Coverage is available for both US and Non-US Citizens who are planning to travel, study or live abroad with coverage starting at just 5 days and up to 364 days inside the USA and 1 year outside the USA with renewal possibilities of up to 3 years.
Please review the table for full details and if you have any questions, please contact our customer support team for assistance.
Benefit | Coverage |
---|---|
Policy Maximum | $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 (Ages 65 to 79: $50,000 or $100,000 limit; Ages 80+: $10,000 limit) |
Deductible | $0, $100, $250, $500, $1,000, $2,500, or $5,000 The deductible is due once per certificate period |
ER Co-Pay Only applies to Claims incurred in U.S. | $200 for each use of the emergency room if not admitted to the hospital as an in-patient. Waived for Emergency treatment of injury. |
Urgent Care Co-Pay Only applies to Claims incurred in U.S. | $15 per visit, then the coinsurance will apply. Not subject to deductible. Co-payment waived if $0 deductible elected. |
Provider Network | Doctor/Hospital Search |
Coinsurance | 100% coverage on eligible expenses, after the deductible, up to the policy maximum. |
The following benefits are ALL subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise. | |
Hospital Room & Board | Average semi-private room rate, including nursing services. |
Intensive Care Unit | Up to the Overall Maximum. |
Local Ambulance | Usual, reasonable, and customary charges (URC) when covered illness or injury results in hospitalization as inpatient. |
Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day. Must be ordered in advance by a physician. |
Emergency Dental | Acute Onset of Pain — Up to $300 Not subject to deductible. Accident — Up to the overall maximum |
Emergency Eye Exam for a Covered Loss | Up to $150. $50 deductible per occurrence. Plan deductible is waived. |
Prescription Medication | Up to the Overall Maximum. For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program — see further details. |
Acute Onset of a Pre-existing Condition
Only available for members under age 80. Excluded chronic and congenital disorders. |
Up to the overall maximum $25,000 lifetime maximum for emergency medical evacuation |
Terrorism | $50,000 limit for eligible medical expenses only |
All Other Eligible Medical Expenses | Up to the Overall Maximum. |
The following benefits are NOT subject to the deductible or coinsurance unless otherwise stated: | |
Emergency Medical Evacuation | $1,000,000 limit Except as provided under the Acute Onset of a Pre-Existing Condition. Not subject to overall maximum limit. |
Repatriation of Remains | Equal to the elected overall maximum limit. This limit is for this benefit only and is not included in or subject to the overall maximum limit. |
Local Burial or Cremation | $5,000 lifetime maximum |
Crisis Response Ransom, Personal Belongings, and Crisis Response Fees and Expenses | $10,000 maximum Not subject to overall maximum limit. |
Emergency Reunion | $100,000 limit, Maximum of 15 days |
Bedside Visit | $1,500 limit |
Return of Minor Children | $50,000 limit |
Pet Return | $1,000 to return a pet home if member is hospitalized |
Political Evacuation | Up to $100,000 lifetime maximum |
Trip Interruption | $10,000 limit |
Common Carrier Accidental Death |
Under 18: $10,000 limit |
Accidental Death and Dismemberment (excludes loss due to Common Carrier Accident) |
Under 18: $5,000 lifetime maximum |
Lost Checked Luggage | $1,000 limit |
Travel Delay | Maximum $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. |
Lost or Stolen Passport/Travel Visa | $100 limit |
Border Entry Protection | Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border. |
Natural Disaster Benefit — Replacement Accommodations | Maximum $250 for 5 days |
Emergency Quarantine Indemnity — COVID-19 | $50 a day for up to 10 days Proof of quarantine mandated by physician or governmental authority required. Quarantine must be due to you testing positive for COVID-19/SARSCoV2, or you are symptomatic and waiting on diagnostic test results. Minimum of 30 days of coverage required. Coverage available only outside of your home country. |
Hospital Indemnity | $100 per day of inpatient hospitalization |
Personal Liability | $25,000 Lifetime Maximum Not subject to overall maximum limit. |
Sports | Non-contact, leisure, recreational and fitness sports included, along with select hazardous sports See policy wording for full details. |
This policy does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition subject to the limits set forth in the Schedule of Benefits and Limits.
Subject to the limits set forth in the Schedule of Benefits and Limits, and subject to the conditions and restrictions contained in this provision, we will pay the following expenses incurred while this insurance is in effect.
We will provide Emergency Medical Evacuation only to the nearest hospital that is qualified to provide the medically necessary treatment, services and supplies to prevent your loss of life or limb.
The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.
Notwithstanding the foregoing, and if you are visiting the U.S., we will pay for expenses to return you to your home country if the attending physician and our medical consultant agree that transfer to the home country is more appropriate than transfer to the nearest qualified hospital.We are held harmless and shall not be held liable for loss of or any damage or other impairment to bodily remains incurred during the repatriation process or otherwise.
The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. You agree to hold us harmless and we shall not be held liable for any delays that are not within our direct and immediate control.Displaced means required to depart a destination due to an evacuation ordered by prevailing Authorities.
Natural Disaster means an event of natural cause, including wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage.
Natural disaster does not include the direct or indirect effect of rain, wind or water associated with named storms meeting the definition of hurricane or typhoon, except in instances where:Country of Origin means the country you were in when you first departed for the United States.
Executive Order means a rule or order issued by the United States President on how federal agencies are to use their resources and having the force of law.Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.
Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.
Beneficiary means the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit. If you do not designate a beneficiary on the application, the beneficiary is automatically as follows:Valuation: We shall not be liable for more than the actual cash value of any consideration at the time of its surrender. If insured losses involve currency other than that of the United States of America, we shall not be liable for more than the United States Dollar equivalent of foreign currency based on the rate of exchange in the Wall Street Journal in effect on the day the monies are surrendered and/or expense incurred.
Crisis Response Fees and Expenses means all fees and expenses of Unity Advisory Group / On Call International related to your kidnapping or express kidnapping.
Express Kidnapping means the actual or attempted abduction and holding of you against your will where your personal belongings and/or readily available assets are surrendered by you in exchange for your release.
Kidnapping means the actual, alleged, or attempted abduction and holding of you against your will by a person or persons who demand a ransom specifically from your assets in exchange for your release.
Insured Losses means covered losses and expenses consisting of the following: ransom, personal belongings, and/or crisis response fees and expenses.
Personal Belongings means monies and/or property of monetary value that are:Third Person means any individual, natural person, or other legal entity or person, other than you or a related third person.
Related Third Person means your relative, your traveling companion, your traveling companion’s relative, and any other person, individual or family member with whom you are residing or being hosted.For the purpose of this insurance, an “Act of Terrorism” means an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
If we allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance, the burden of proving the contrary shall be upon you. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect.
Cyber means the use or operations, as a means for inflicting harm, of any computer, computer software program, malicious code, computer virus or process or any other electronic system.Premiums will be refunded in full if cancellation request is received prior to the certificate effective date.
Premiums may be refunded after the certificate effective date subject to the following provisions:While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, in accordance with this provision, we will pay eligible medical expenses for up to 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.
In the event you begin a benefit period while the certificate is in effect, and the certificate terminates because you return to your home country, we will pay eligible medical expenses which are incurred in your home country during the benefit period. Home country coverage applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.
Incidental Home Country CoverageU.S. home country: For every three-month period during which you are covered, eligible medical expenses incurred in the U.S. are covered up to a maximum of 15 days.
Non-U.S. home country: For every three-month period during which you are covered, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.
Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.Your nationally recognized VantageAmerica Solutions Discount Pharmacy Card provides discounts on most FDA approved prescription drugs. There are no limited drug lists, no waiting periods and your card is active the moment you present it to the pharmacy saving an average from 5%–15% off the cash price for brand drugs and an average 15%–40% off the price of generic drugs. In the event a pharmacy's price is lower than our discounted price, you will always receive the lowest price available.
Your VantageAmerica Solutions Discount Pharmacy Card is widely accepted at over 54,000 participating pharmacies across the United States, including most national and regional chains, pharmacy associations, and many local community pharmacies.
Once you have received your instant discount, the remaining prescription expenses can still be submitted for reimbursement as usual.
Please note: