Longwood University - Study Abroad
Travel Medical Insurance
Longwood University has selected the Atlas Travel plan for all study abroad students, faculty and staff members as this plan provides worldwide coverage outside their home country. The plan provides a range of high quality travel insurance benefits that are designed to offer coverage in the event of an unexpected accident or injury when abroad.
Highlights of the Atlas Travel Medical plan include:
- Up to $1 Million in Coverage
- Hospitalization/ Doctors Visits
- Prescription Medication
- Evacuation/ Repatriation
- Optional Hazardous Sports Rider
- Lost Luggage
- Trip Interruption
- Online Instant Application
- Plan Management Online
- and much more.....
Please note: Longwood University requires that all study abroad students, faculty and staff have $100,000 in coverage and no deductible. Each individual enrolling on the Atlas Travel plan should have coverage for the full duration of their travels including the transportation days.
Looking to apply as a group? You can apply for the same Atlas Travel plan and take advantage of discounts if you apply as a group. To do this you will need to have a minimum of five participants enrolled and payment must be done with one payment. No matter whether you apply individually or as a group, you will receive your insurance documents online and to your email address in PDF format immediately.
Atlas Travel | Benefits
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.
|Policy Maximum||$50,000, $100,000, $200,000, $500,000 or $1,000,000|
|Deductible||$0, $100, $250, $500, $1,000 or $2,500
The deductible is due once per certificate period
|Provider Network||Coventry Provider Network|
- Out of Network inside the USA/ Canada
|80% Coverage up to $5,000
100% after up to Policy Maximum
- Outside the USA/ Canada
- In Network inside the USA
|Hospital Room & Board||Average Semi-Private Room Rate|
|Local Ambulance||URC when results in hospitalization|
|ER Co-Pay||$200 if not admitted to the hospital as an in-patient. Waived for Emergency treatment of injury|
|Urgent Care Facility (inside the US only)||$50 Co-Pay – Not subject to the deductible|
|Hospital Indemnity||$100 per day in addition to all other benefits|
|Intensive Care Unit||URC|
|Acute onset of a Pre-existing Condition||$100,000 lifetime maximum for eligible medical expenses for overall maximum limits of $100,000, $200,000, $500,000 or $1,000,000; otherwise $50,000. $25,000 lifetime maximum for emergency medical evacuation|
|Physical Therapy||$50 Maximum per day|
|All other medical expenses||URC|
|Emergency Dental||Accident - URC
Acute onset of pain - $250 Maximum
|Medical Evacuation||$500,000 limit|
|Emergency Reunion||$50,000 limit|
|Return of Minor Children||$50,000 limit|
|Political Evacuation||$10,000 limit|
|Terrorism||$50,000 limit for medical expenses only|
|Accidental Death and DismembermentAD&D||Principal sum - $50,000 (18-69 years old)|
|Common Carrier Accidental Death||$50,000 per adult|
|Repatriation of Remains||Overall Maximum Limit|
|Local Burial or Cremation||$5,000|
|Natural Disaster Benefit||Maximum $100 for 5 days|
|Trip Interruption||$5,000 limit|
|Lost Checked Luggage||$250 limit (not subject to deductible/ coinsurance)|
|Hospital Pre-notification Penalty||50% of eligible expenses|
|Crisis Response||$10,000 limit per certificate period; Includes access to Unity Crisis Group services|
|Personal Liability||$10,000 lifetime maximum|
|Hazardous Sports||Overall Maximum Limit|
Please note - The benefit table listed above is a consolidated version of the full plan benefits. Please view the plan brochure for the full benefits and limitations of the plan. All benefits, except Hospital Indemnity, Lost Checked Luggage, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and Limits):
- Inpatient and Outpatient charges made by a Hospital.
- Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case.
- Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home.
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
- Charges for oxygen and other gases and anesthetics and their administration.
- Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
- Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital.
- Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization.
Complications of Pregnancy:
Treatment of Complications of Pregnancy during the first 26 weeks of Pregnancy is covered under this insurance. Complications of Pregnancy is defined as: Illnesses whose diagnoses are distinct from Pregnancy, but are adversely affected by Pregnancy or caused by Pregnancy, and not associated with a normal Pregnancy. This includes: ectopic Pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of comparable severity.
If you are hospitalized as an Inpatient for treatment of a covered Illness or Injury, the Atlas Series will provide $100 for each night you spend in the hospital. This benefit is in addition to payments for other covered expenses and is not subject to Deductible or Coinsurance.
Acute Onset of a Pre-Existing Condition:
If you are under age 70, you are covered for an acute onset of a pre-existing condition. Coverage is available up to $100,000 lifetime maximum for eligible medical expenses for all policy maximums greater than $50,000. Individuals who have a $50,000 policy maximum are entitled to a $50,000 maximum benefit for the acute onset of a pre-existing condition. This also includes 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.
The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under this insurance subject to the Overall Maximum Limit; and Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $250.
Emergency Medical Evacuation:
If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by HCC Medical Insurance services, the Atlas Series will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.
In the event of a covered Emergency Evacuation, the Atlas Series will provide the following benefits: The cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized following Emergency Evacuation and reasonable expenses for lodging and meals for your relative, for a period not to exceed 15 days.
Return of Minor Child(ren):
If you are the only person age 18 or older, traveling with one or more child(ren) under the age of 18, who are also covered by the Atlas Series, and you are Hospitalized for treatment of a covered Illness or Injury resulting in the child(ren) being left unattended for a period of time expected to exceed 36 hours, the Atlas Series will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence of each covered child.
If the United States government issues a travel warning that becomes effective after your arrival in your destination country, the plan will provide for transportation to the nearest place of safety or for return to your Home Country. You must contact HCC Medical Insurance Services; within 10 days of the date the travel warning is issued and the evacuation must be approved in advance and coordinated by HCC Medical Insurance Services.
The Atlas Series provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met:
- The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
- You have no direct or indirect involvement in the Act of Terrorism.
- The Act of Terrorism is not in a country or location where the United States government has issued a travel advisory that has been in effect within the 6 months prior to your date of arrival.
- You have not unreasonably failed or refused to depart a country or location following the date an advisory to leave that country or location is issued by the United States government.
An Act of Terrorism is defined as: 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.
Accidental Death and Dismemberment:
In the event of your Accidental Death (except while traveling on a common carrier) or Dismemberment resulting from a covered Injury, the Atlas Series will provide the following benefit:
- Accidental Death – Principal Sum to the Beneficiary designated on your Application
- Loss of 2 eyes or 2 or more limbs – Principal Sum to you
- Loss of 1 eye or limb – One Half of the Principal Sum to you
|14 days to 17 years||$5,000|
|18 to 69||$50,000|
|70 to 74||$12,500|
The Accidental Death and Dismemberment benefit is not available for losses incurred during participation in a Hazardous Sport or in respect to losses resulting from an Act of Terrorism.
Common Carrier Accidental Death:
In the event of your Accidental Death while traveling on board a commercial common carrier, the Atlas Series will provide the following benefit: Principal Sum of $50,000 ($25,000 for children under age 18), subject to a maximum of $250,000 per family , to the Beneficiary designated on your Application. This benefit is not available in respect to losses resulting from an Act of Terrorism.
Repatriation of Remains:
In the event of a covered Injury or Illness resulting in your death, the Atlas Series will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.
Natural Disaster Coverage:
In the event of natural disaster (hurricane, flood, tornado, tsunami, etc) the Atlas Series will provide up to $100 a day for 5 days if the member is Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike. Displaced is defined as required to depart the destination due to an evacuation ordered by prevailing authorities. Proof of paid accommodations must be submitted at time of claim.
If, after you have departed, you learn of the death of a parent, spouse, sibling or child, or you learn of the substantial destruction of your Principal Residence by fire or weather, the Atlas Series will provide the following benefit: The cost of an economy one way air and/or ground transportation ticket for you to the area of your Principal Residence; or If, following a covered Emergency Medical Evacuation, the attending Physician states that it is Medically Necessary for your return to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery, the Atlas Series will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for your transportation from the area where you were hospitalized following the Emergency Evacuation, to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence.
Lost Checked Luggage:
In the event your checked luggage is permanently lost by the carrier, the Atlas Plan will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and provide copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost checked luggage.
Atlas Travel offers up to $10,000 to off set costs associated with kidnapping such as ransom, crisis response expenses, and loss of personal belongings. This benefit includes access to the services of Unity Crisis Group for advice, coordination with law enforcement, and negotiations during a kidnapping.
Atlas Travel offers up to $10,000 to off set the following types of court-entered eligible judgments or approved settlements incurred by the member:
- Third-party injury;
- Damage/loss of a third party’s personal property;
- Damage/loss of a related third party’s personal property
What Travel Assistance Services are Included?
The following Assistance Services are included this plan:
- Pre-Trip Destination Information – Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country.
- Medical Monitoring – Consultations with attending medical professionals during your hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding your medical status.
- Provider Referrals – Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your destination country where English is spoken
- Travel Document Replacement – Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents
- Lost Luggage Assistance – Tracking service to assist in locating luggage or other items lost in transit.
- Other important Atlas travel Assistance Services include:
- Prescription Drug Replacement
- Emergency Travel Arrangements
- Dispatch of Physician
- Translation Assistance
- Credit Card/Traveler Check Replacement
Atlas travel Assistance Services are not insurance benefits and provision of any Atlas travel Assistance Service is not a guarantee of any other benefit under the Atlas Series.
* URC stands for Usual, Reasonable and Customary charges. The plan covers the average cost for that treatment in the geographic location, up to the certificate period maximum.
Atlas Travel | Exclusions
The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:
- Pre-existing Conditions – Charges resulting directly or indirectly from any Pre-existing Condition are excluded from this insurance. If you are under age 70, you are covered for Medical and Emergency Evacuation charges resulting from an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule of Benefits and Limits. A Pre-existing Condition is any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the Certificate Effective Date. For the purposes of the Complications of Pregnancy coverage offered hereunder, Pregnancy will not be included within the definition of a Pre-existing Condition. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that 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
- Treatment related to birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions
- Routine pre-natal care, childbirth, care of newborns, post-natal care, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof
- False labor, edema, prolonged labor, prescribed rest during the period of Pregnancy, morning sickness and conditions of comparable severity associated with management of a difficult Pregnancy, and not constituting a medically distinct Complication of Pregnancy, and all charges related to Pregnancy after the 26th week of Pregnancy
- Mental Health Disorders or Substance Abuse
- Charges which are not Incurred during the Certificate Period or the applicable Benefit Period, and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or the applicable Benefit Period
- Charges for treatment of any condition when the purpose of departing the Home Country was to obtain treatment in the destination country/countries
- Charges for use of Emergency Room within the US for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness
- Not Medically Necessary and administered or ordered by a Physician
- Provided at no cost, by a family member, or by a person who ordinarily resides with you, or which are attributable to or recoverable from any other party including government-sponsored plans
- Charges which exceed Usual, Reasonable and Customary
- Investigational, Experimental or for Research Purposes
- While confined primarily to receive Custodial Care, Educational or Rehabilitative care
- Venereal Disease, and treatment of individuals who are HIV+ or have AIDS or ARC, and all diseases caused by and/or related to HIV
- Treatment by a Chiropractor
- Treatment for acne, other acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of sebaceous glands, hypertrophic and atrophic conditions of skin, nevus
- Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental Treatment necessary to replace sound natural teeth lost or damaged in an Accident covered hereunder or for the relief of acute, spontaneous and unexpected onset of pain
- Corrective devices and medical appliances, including dentures or dental appliances, eyeglasses, vision exams, contact lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy, orthoptics or visual eye training or eye surgery (including cataract surgery and radial keratotomy) or for any examination or fitting related to these devices or procedures
- Injury resulting from participation in the following activities: Amateur Athletics, Contact Sports, intercollegiate, interscholastic, intramural, club, and professional sports or athletic activities. Non-contact and non-organized/non-sanctioned amateur sports or athletic activities engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes are not excluded except the following, which are excluded: Mountaineering where a reasonably prudent person would use ropes or guides or at elevations of 4,500 meters or higher. Aviation, except when traveling solely as a passenger in a commercial aircraft. Hang gliding, sky diving, parachuting or bungee jumping; Snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); Racing by any animal or motorized vehicle; and spelunking; and subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters; jet skiing; Mountaineering at elevations of 7,000 meters or higher; Parachuting & Parasailing / Hang-Gliding; Riding or Operating Tractors; Heli-Skiing; White Water Rafting; BMX; Cave Diving or Running with the Bulls; and any other sport or activity which is undertaken for thrill seeking and exposes you to abnormal risk of injury
- Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse
- Costs resulting from self-inflicted Injury or Illness and/or suicide or attempted suicide whether sane or insane and routine medical examinations, including but not limited to vaccinations, immunizations, annual check-ups, the issue of medical certificates and attestations, and examinations as to the suitability of employment or travel
- The Deductible, Coinsurance and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the limits set forth in the Schedule of Benefits and Limits
- Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder
- Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Repatriation of Remains, Emergency Reunion, Return of Minor Children, Natural Disaster and Trip Interruption sections of this insurance
- Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s)
- Organ or tissue transplants or related services
- Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof
- Treatment of all forms of cancer/neoplasm
This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, please contact us.
Atlas Travel | FAQ's
- When can I purchase my plan online?
- When does coverage become effective and when does it end?
- On the application form, what is "date of departure from home country" and "date of return to home country"?
- Will I get my documents immediately?
- How do I get a visa letter?
- What forms of payment do you accept?
- What is a beneficiary?
Renewability, Extensions and Cancellations
- Am I eligible for the Atlas Travel Plan?
- Where will this plan cover me?
- Who can apply for this plan?
- If I have already departed my home country, can I still apply?
Understanding your coverage
- Does this plan have dental or vision coverage?
- What does Usual, Reasonable and Customary (URC) mean?
- What is the deductible and coinsurance on the Atlas Travel plan?
- Does the Atlas Travel plan provide any home country coverage?
Who underwrites the Atlas Travel plan?
Lloyd's, the largest and oldest insurance market in the world, is the insurer of the Atlas Travel plan. Rated A (Excellent) by AM Best Company and 'A+' (Strong) by Standard and Poor's, Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market and is recognized as a market leader in the accident and health insurance arena for its stability, innovative products and services. Presently, Lloyd's provides accident and health insurance to millions of individuals in almost every country of the world.
Am I eligible for the Atlas Travel plan?
If you are traveling outside of your Home Country and are at least 14 days old, you are eligible for coverage.
Where will this plan cover me?
The Atlas Travel plan will cover you anywhere in the world, outside of your home country. If you are a US citizen, your home country is automatically the USA regardless of your principal residence. For non-US Citizens, Home Country is the country where you principally reside and receives regular mail.
Who can apply for this plan?
All individuals traveling outside their home country are eligible for the Atlas Travel plan. This includes international students, study abroad students, ESL students, foreign scholars, dependents living internationally, travelers, chaperones, international business groups, and more!
If I have already departed my home country, can I still apply?
Yes, if you have departed your home country you can still apply for coverage.
When can I purchase my plan online?
You can purchase your plan six months in advance of when you would like your policy to begin. The full premium will be charged immediately upon applying to the policy.
When does coverage become effective and when does it end?
Your coverage becomes effective on the latest of the moment we receive your Application and correct premium (if Application and payment is made online or by fax), 12:01am US Eastern Standard Time on the date we receive your Application and payment (if Application and payment is made by mail), the moment you depart from your Home Country, or 12:01am US Eastern Standard Time on the date you request on your Application. Your coverage will end on the earliest of: 12:01am US Eastern Standard Time on the last day of the period for which you have paid a premium, 12:01am US Eastern Standard Time on the date requested on your Application, or the moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage).
On the application form, what is "date of departure from home country" and "date of return to home country"?
When you apply for coverage, you will see the requests for the date of departure from home country and date of return to home country. If you have not left your home country, you simply complete this information of when you plan to depart and return to your home country (or in other words your start and end date of coverage. If you have already left your home country you just need to view these fields as your start and end date of coverage - so the date of departure from home country would be your plan effective date and your date of return to home country is your plan expiration date.
Will I get my documents immediately?
Yes, when you apply online through our website and make sure the "online fulfillment" option is selected, we will send all your documents to you immediately via email. You will then need to download these documents, print them off and show them as proof of coverage. Once you have applied online, within a few hours your account will be available through the "Student Zone" so you can login and access all your documents again anytime you need.
How do I get a visa letter?
Once you have applied online for coverage and selected the "online fulfillment" option, you will receive all your insurance documents immediately to your email address. Within a few hours of applying you will also be able to log into the "Student Zone" and access all your documents again, including a special visa letter that you can print off and show as proof of coverage for a visa application you may have.
What forms of payment do you accept?
The Atlas Travel is denominated in US dollars and can be purchased right online using a credit or debit card. We accept Visa, MasterCard, Discover and American Express. This is the easiest way so that you can apply right online and get your documents immediately. You are also welcome to use a friend or family member’s credit or debit card with their permission. If you would prefer to pay using check and wire transfer, please contact us for more information.
What is a beneficiary?
The Atlas Travel plan includes benefits that provide payments in the event you should pass away while covered under the plan. The beneficiary is the person who you designate to receive these funds should this happen. Typically you would put down your mother, father, brother, sister or husband or wife as a beneficiary - however you can put any name you wish to be your beneficiary, including your estate.
Can I extend or renew my coverage?
Coverage under Atlas Travel may be extended up to 364 days for US coverage or 365 days for coverage excluding the US. After 365 days of continuous coverage, Atlas International holders (with non-US coverage) may renew their coverage for up to two additional certificate periods. Extensions and renewals may be completed through the Student Zone and there is an added $5 fee per extension or renewal.
My plan has expired, how can I reinstate it?
Once a plan has expired or lapsed, it cannot be reinstated. You can instead purchase a new plan and begin coverage as soon as the same day. Apply now for the Atlas Travel if you’d like to purchase a new plan.
Can I cancel my Atlas Travel plan?
If for any reason you wish to cancel your policy, you must submit your cancellation request in writing to us in order to receive a refund of premium. To be eligible for a full refund, the request for cancellation must be received prior to your effective date. Cancellation requests received after the effective date will be subject to the following conditions:
- a $25 cancellation fee will apply; and
- only the unused portion of the plan cost will be refunded; and
- only members who have no claims are eligible for premium refund.
Does this plan have dental or vision coverage?
The Atlas Travel plan does not cover vision, however it does offer limited dental coverage. Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident is covered up to the policy maximum. Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $250. Regular dental check-ups or visits are not covered - if you require a more comprehensive dental insurance plan, please see our dental plans.
What does Usual, Reasonable and Customary (URC) mean?
Usual Reasonable and Customary is a term that insurance companies use to describe a limitation on their responsibility to pay for eligible medical expenses. Basically, URC refers to the fee typically charged by a provider for a specific procedure in a specific geographic area. So if a particular procedure typically costs $5,000 in the New York City area, and most providers customarily charge about $5,000 for that procedure, the insurance company will not pay your provider in New York City $10,000 for the same exact procedure. Instead, they will limit their payment amount to "Usual Reasonable and Customary" - in this example, $5,000.
What is the deductible and coinsurance on the Atlas Travel?
A deductible is a one-time payment per period of coverage that you will need to make if you ever use the insurance. For example, if you have a $100 deductible on your Atlas Travel Insurance plan and you need to visit a doctor, you will need to pay the first $100 and then your coinsurance before the insurance will cover any doctors expenses. You can set the deductible level where you would like and your options are $0, $100, $250, $500, $1,000 and $2,500.
Coverage Inside the US In-Network and Coverage Outside the US - After the deductible, the insurance will cover you at 100% up to the policy maximum. You can see what providers are in-network by search our Coventry Provider Network. The deductible is waived inside the US when coverage is sought at the Urgent Care Center and there will be a $50 co-pay instead.
Coverage Inside the US Out-of-Network - After the deductible, the insurance will cover you at 80% of the next $5,000 and then 100% up to the policy maximum you select on the policy. This only applies if you go to a provider in the US who is not part of our Coventry Provider Network. The deductible is waived inside the US when coverage is sought at the Urgent Care Center and there will be a $50 co-pay instead.
Does the Atlas Travel Plan provide any home country coverage?
Yes. Under certain circumstances, the Atlas Series will provide limited Home Country Coverage.
Incidental Home Country Coverage – The Atlas Series will provide you 15 days (for US citizens) or 30 days (for non-US
citizens) of incidental coverage for trips to your Home Country for every 3 months of coverage purchased. Incidental
visit time must be used within the three-month period earned, and you must continue your international trip in order
to be eligible for this benefit, which covers Medical expenses only. Return to your Home Country must not be taken
for the purpose of obtaining treatment of an Illness or Injury that began while traveling.
Benefit Period Medical Coverage – A Benefit Period begins on the first date you receive a diagnosis or treatment of a
covered Illness or Injury while outside your Home Country and lasts for 90 days. If you started a Benefit Period
while this insurance was in effect, you are covered only for Medical expenses for the duration of the Benefit
Period, regardless of whether you are at home or abroad.
Home Country Defined – If you are a US citizen, your Home Country is the United States, regardless of the location of your Principal Residence. If you are not a US citizen, your Home Country is the country where you principally reside and receive regular mail.
What providers can I go to?
You are free to visit any provider you wish under the Atlas Travel Insurance plan. There are, however, advantages when inside the USA to staying within one of the approved provider networks as when you stay within the network, your coinsurance will be 100% once you have paid your deductible (if you have one). You can locate a provider near to you by visiting our provider network search tool.
What is Pre-Certification?
Pre-certification is when you, or your attending physician call the 24 hour assistance number with information about your case and condition if you have any of the following:
Hospitalizations, Surgeries, Emergency Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI).
Simply call, or have your Physician call, HCCMIS with all information relative to your claim. Be sure to have your ID number available as if you do not Pre-certify, medical expenses will be reduced by 50% and all other expenses will be forfeited.
How are claims paid?
Claims will be paid depending on where you are located and where you seek treatment:
- In-network while inside the USA - When you visit a provider that is part of the plan network your insurance bill is typically paid directly, without the need for an insurance claim form. This setup will depend on the particular provider you go to and so you will need to ask the provider before you seek treatment.
- Out-of-network while inside the USA - When you visit a provider that is outside the network, you will need to pay for all services up front and then submit a claim form for reimbursement.
- Outside the USA - When visiting a provider around the world, please pay for the services up front and then submit a claim form for reimbursement.
If you are hospitalized for an emergency or planned hospitalization you will need to call the 24 hour emergency assistance number located on the back of your insurance ID card and they will assist you further with settling the hospital bills.
Atlas Travel | Premiums
The Atlas Travel Medical Insurance plan provides coverage from as little as 5 days up to 364 days for both Non-US Citizens and US Citizens. There are two main coverage options:
Please note - Children are free up to the age of 10 years old with each parent. Maximum of two free children per plan.
Premiums are all listed with a $250 deductible, if you would like other deductible options, please run a free online quote.
Atlas International — Travel Outside the USA
|14d-17y||$0.79/ day||$1.05/ day||$1.14/ day||$1.19/ day||$1.21/ day|
|18-29||$0.79/ day||$1.05/ day||$1.14/ day||$1.19/ day||$1.21/ day|
|30-39||$0.94/ day||$1.28/ day||$1.34/ day||$1.38/ day||$1.43/ day|
|40-49||$1.58/ day||$1.92/ day||$1.98/ day||$2.01/ day||$2.05/ day|
|50-59||$2.71/ day||$3.07/ day||$3.11/ day||$3.13/ day||$3.19/ day|
|60-64||$3.35/ day||$3.66/ day||$3.74/ day||$3.80/ day||$3.85/ day|
|65-69||$3.97/ day||$4.81/ day||$4.95/ day||$5.09/ day||$5.13/ day|
|70-79||$5.82/ day||$7.07/ day||N/A||N/A||N/A|
|80+ *||$10.42/ day||N/A||N/A||N/A||N/A|
|* $10,000 Maximum Limit|
Atlas America —Travel to the USA
|14d-17y||$1.36/ day||$1.73/ day||$1.83/ day||$2.19/ day||$2.43/ day|
|18-29||$1.36/ day||$1.73/ day||$1.83/ day||$2.19/ day||$2.43/ day|
|30-39||$1.85/ day||$2.56/ day||$2.84/ day||$2.89/ day||$3.10/ day|
|40-49||$2.73/ day||$3.42/ day||$3.66/ day||$4.12/ day||$4.60/ day|
|50-59||$4.07/ day||$5.13/ day||$6.05/ day||$6.51/ day||$6.97/ day|
|60-64||$4.75/ day||$6.23/ day||$7.88/ day||$8.16/ day||$8.71/ day|
|65-69||$5.38/ day||$6.89/ day||$8.80/ day||$9.08/ day||$9.68/ day|
|70-79||$7.75/ day||$9.92/ day||N/A||N/A||N/A|
|* $10,000 Maximum Limit|