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
- Diagnosis, testing or treatment of injury or illness resulting from a disease outbreak in a country or location for which the US Centers for Disease Control and Prevention (CDC) has issued a Warning Level 3 if a) the warning has been in effect within the 6 months immediately prior to the Member’s date of arrival, or b) within 10 days following the date the warning is issued the Member has failed to depart the country or location.
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 my coverage become effective?
- When does my coverage end?
- Will I get my documents immediately?
- Will I get my ID card and documents in the mail?
- How do I get a visa letter?
- What forms of payment do you accept?
- What is a beneficiary?
Renewability, Extensions and Cancellations
Understanding your coverage
- Does this plan have dental or vision coverage?
- What does Usual, Reasonable and Customary (URC) mean?
- What is a deductible?
- What is coinsurance?
- Does the Atlas Travel plan provide any home country coverage?
Who underwrites the Atlas Travel plan?
Lloyd’s of London is the underwriter of the Atlas Travel plan. They are rated A (Excellent) by AM Best Company and A+ (Strong) by Standard and Poor’s, meeting all visa requirements for the USA and countries around the world.
Am I eligible for the Atlas Travel plan?
The plan is available to anyone who is traveling outside of your Home Country and are at least 14 days old, you are eligible for coverage. This includes international students, study abroad students, ESL students, foreign scholars, dependents living internationally, travelers, chaperones, international business groups, etc.
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.
When can I purchase my plan online?
You can purchase your plan up to six months in advance of your selected policy start date, however please note that the full premium will be charged immediately at the time of the application. You are also able to purchase coverage even if you have departed for your travels and in another country other than your home country.
When does my coverage become effective?
Your coverage becomes effective on the latest of:
- We receive your application and payment (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 for your home country, or
- 12:01am US Eastern Standard Time on the date you request on your application
When does my coverage end?
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).
Will I get my documents immediately?
Yes, when you apply online we will send all your documents to you immediately via email. You can download these documents, print them off and show them as proof of coverage. If you have applied for a plan and haven’t received your policy documents, be sure to check your spam or bulk folder. Once you have applied online, within an hour you will be able to log into the “Student Zone” to download your ID card, visa letter, or get claims information.
Will I get my ID card and documents in the mail?
No, all documents are automatically emailed to you - however you can opt to have hard copies mailed to you when you apply so please make sure to indicate this on the application form when you apply if this is your prefered option.
How do I get a visa letter?
Your visa letter is available by logging into the “Student Zone” and selecting the “Visa Letter” option after you have applied.
What forms of payment do you accept?
We accept Visa, MasterCard, Discover and American Express credit and debit cards online. 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 a check and wire transfer, please contact us for more information.
What is a beneficiary?
A beneficiary refers to someone who is eligible to receive distributions from your insurance plan in case of your death while covered under the policy. Under the Atlas Travel plan there are death benefits that will pay out a financial sum if that were to happen, and so on the application you would need to define who would receive these benefits. Typically you would put down your mother, father, brother, sister, husband, or wife as a beneficiary - but you have the option to put anyone you want even if they are located outside your host country.
Can I extend or renew my coverage?
- If your Atlas plan includes the US or if you are a US citizen – you can purchase coverage and extend up to a total of 364 days.
- If your Atlas plan excludes the US and you are not a US citizen – you can purchase and extend coverage up to 365 days. Once you have a full 365 days of coverage, you can renew your coverage up to two additional years.
Please note - Extensions and renewals may be completed through the Student Zone before the plan expires and there is a $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 or restarted. 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?
Yes, to be eligible for a full refund the cancellation request must be received prior to the effective date of your insurance plan. Cancellation requests received after the effective date will be subject to the following conditions:
- a $25 cancellation fee; and
- only the unused portion of the plan cost will be refunded; and
- only members who have no claims are eligible for premium refund.
All cancellation requests must be submitted in writing, we cannot accept cancellation requests over the phone. You can send this request by email through our contact page.
Does this plan have vision or dental coverage?
The Atlas Travel plan does not cover vision, however it does offer limited dental coverage. The limited dental coverage includes dental accidents and emergency dental treatment for unexpected pain - please see the plan benefits page for full details.
Please note - routine dental check-ups such as cleanings are not covered — if you are looking for a more comprehensive dental insurance plan, please see our dental discount plans.
What does Usual, Reasonable and Customary (URC) mean?
Usual Reasonable and Customary (URC) refers to the average cost charged by a provider for a specific procedure in a specific geographic area. For example, if a particular procedure costs $5,000 on average in the New York City, 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 to "Usual Reasonable and Customary" — in this example, $5,000.
What is a deductible?
The deductible is the amount you are required to pay to your provider before the insurance company pays toward your eligible expenses. On this plan, you can choose your deductible (options are: $0, $100, $250, $500, $1,000 and $2,500) which is paid once per certificate period.
What is a coinsurance?
Coinsurance is the percentage that the insurance will pay toward your medical bill after you have already paid your deductible.
- Outside the USA
- After your deductible, the insurance plan will cover 100% of your eligible expenses up to the policy maximum.
- Inside the USA
- After your deductible, the insurance plan will cover 80% of the next $5,000, then 100% up to the policy maximum. However, if you go to a provider that is in the Coventry Healthcare Network, after your deductible, the insurance will cover 100% of your eligible expenses up to the policy maximum.
Does the Atlas Travel Plan provide any home country coverage?
Yes, the plan provides the following home country coverage options:
- Incidental Home
- For every three months of coverage, the Atlas Travel will provide you with 15 days (for US citizens) or 30 days (for non-US citizens) of medical expense coverage for incidental trips back to your Home Country. Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling, and you must return to your host country to be eligible for this benefit.
- Benefit Period
- A Benefit Period begins on the first day 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.
What doctors of hospitals (providers) can I go to?
You are free to visit any provider you wish with the Atlas Travel plan, however the plan does have an optional network called the Coventry Healthcare Network in the USA. If you stay inside the network you will have 100% coverage after your deductible (if you have one). You can locate a nearby provider 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 or you can also Pre-certify right online in the Student Zone. 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:
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.
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|