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, $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 (See Benefit Description)||
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|
|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.|
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:
U.S. Citizens and Non-U.S. Citizens who are at least 14 days of age are eligible for coverage outside of their home countries, except as provided under home country coverage. U.S. Citizens and residents are not eligible for coverage within the U.S, except as provided under home country coverage or an eligible benefit period. Should you make a change to the location of your home country during the certificate period, you are no longer eligible for coverage in the new home country except as provided under home country coverage as of the date you establish the new home country.Individuals age 65 to 79 as of the certificate effective date are subject to a $100,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $10,000 overall maximum limit.
You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.
U.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.
Should you make a change to the location of your home country during the certificate period, you must notify us of such change within fifteen (15) days. Your new home country will govern the terms of any home country or incidental home country coverage.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 incidental home country coverage.
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:
This plan is underwritten by Lloyd's.