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This
webpage is intended for viewing by USA citizens who are traveling
or residing outside the United States of America.
Why
Buy Travel Insurance?
Am I Eligible for the Travel Insurance?
When Does Coverage Become Effective and
When Does It End?
Does The Insurance Provide Any Home Country
Coverage?
How is "Home Country" Defined?
Which Plan Should I Purchase?
What Is Covered?
What Are The Policy Limits?
What Is Excluded?
What If I Plan to Participate in a Sport
or Athletic Activity that is Excluded?
What If I Have an Acute Onset of a Pre-Existing
Condition?
What Are the Pre-Notification Requirements?
Who Is The Plan Administrators?
Who Are The Insurers?
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Why Buy Travel Insurance?
The answer is easy. Whether you travel for business or pleasure,
international travel involves risk. You may arrive at your destination
to find that your luggage with personal items has disappeared. A
personal emergency may necessitate your early return to your Home
Country. A medical emergency may require hospitalization or even
air evacuation. In most cases, your existing insurance will not
provide adequate protection for these and other risks. Without appropriate
travel insurance, you may be exposed to significant financial liability.
We have designed the policy to take the risks out of international
travel, so you can have an enjoyable and productive trip.
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Am I Eligible For The Travel Insurance?
If you are traveling outside of your Home Country and are at least
14 days old, you are eligible for coverage. If you are under age
70, you may select your Overall Maximum Limit, ranging from $50,000
to $1,000,000. If you are age 70 to 79, the Overall Maximum Limit
available is $50,000. If you are age 80 or older, the Overall Maximum
Limit available is $10,000. The minimum coverage period is 15 days
and the maximum coverage period is 12 months. You may purchase coverage
in a combination of monthly and 15-day increments, depending on
your needs.
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When Does Coverage Become
Effective and When Does It End?
Your coverage becomes effective on the latest of: the date we receive
your Application and correct premium, the moment you depart from
your Home Country or the date you request on your Application. Your
coverage will end on the earliest of: the end of the period for
which you have paid a premium, 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 under the Atlas Extra plan).
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Does The Travel Insurance
Provide Any Home Country Coverage?
Yes. Under certain circumstances, the Atlas Series will provide
limited Home Country Coverage. If you purchase the Atlas Series
for at least 3 months, and you purchase the Incidental Home Country
Rider, you are covered for medical expenses only during one Incidental
trip to your Home Country of up to 10 days. If you started a Benefit
Period while your insurance under the Atlas Series was in effect,
you are covered for medical expenses only for the duration of the
Benefit Period, regardless of whether you are at home or abroad.
Your 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 180 days. If you have purchased Atlas Extra
and have maintained coverage for at least 6 months, the plan provides
Home Country Coverage for up to 30 days if you purchase the 30 day
period at the time of application.
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How is “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.
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Which Plan Should I Purchase?
If you are a US citizen traveling abroad for 6 months or less, you
should purchase Atlas International. If you are a non-US citizen
traveling outside your Home Country for 6 months or less, you should
purchase Atlas America. Regardless of your citizenship, if you are
planning on traveling for 6 months or more, you should purchase
Atlas Extra. The minimum period for Atlas Extra is 6 months.
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What Is Covered?
All benefits, except Lost Checked Luggage, Accidental Death &
Dismemberment and Common Carrier Accidental Death, are subject to
the Deductible and Coinsurance. Policy Limits apply to all benefits:
Medical:
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.
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 hospitalization.
Emergency
Dental:
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.
Emergency Dental treatment necessary to resolve acute, spontaneous
and unexpected onset of pain.
Emergency
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 MultiNational Underwriters, Inc., 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.
Emergency
Reunion:
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 10 days.
Trip
Interruption:
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
Following a covered Emergency 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.
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.
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 the Plan Administrator with copies of all claim
forms and proof that the transportation provider has paid you its
normal reimbursement for the lost checked luggage.
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 of $25,000 to the Beneficiary designated
on your Application. The Principal Sum shall reduce by 50% (to $12,500)
if you are age 70 to 74 at time of Death, and an additional 50%
(to $6,250) if you are age 75 or older at time of Death.
Accidental
Dismemberment
a. Loss of 2 eyes or 2 or more limbs –- Principal Sum of $25,000
to you.
b. Loss of 1 eye or limb – One-half of the Principal Sum ($12,500)
to you.
c. The Principal Sum(s) shall reduce by 50% if you are age 70 to
74 at time of Dismemberment, and an additional 50% if you are age
75 or older at time of Dismemberment.
The Accidental Death Dismemberment benefit is deleted during participation
in a hazardous sport
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 to the Beneficiary designated on your Application
Return
of Minor Child(ren):
If
you are the only person age 18 or older, traveling with one or more
Minor Children 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 Minor Child
to the terminal serving the area of Principal Residence of each
covered Minor Child.
Atlas
Travel Assistance Services:
The following Travel Assistance Services are available to you 24
hours a day, 7 days a week while your Atlas plan is in effect.
Pre-Trip Health and Safety Advisories (available after your purchase
of the Atlas Series, and before your departure) – call us
for current passport, visa, inoculation and vaccine requirements,
as well as up-to-date travel safety advisories.
Livetravel Services – we will make emergency travel and itinerary
changes for you including rebooking flights, hotel reservations
and ground transportation arrangements.
BagTrak – we are the industry leaders in tracking lost baggage.
We will help you locate your lost baggage, and deliver it to you
anywhere in the world.
Emergency Message Relay – we will relay messages to your family,
friends and co-workers, helping you to maintain contact during an
emergency.
Emergency Cash Transfers – we will assist you in arranging
and obtaining cash transfers anywhere in the world.
Other important Atlas Travel Assistance Services include:
Medical
referrals
Up-to-the-minute travel medical advisories
Assistance with prescription drug replacement
Dispatch of a doctor or specialist
Emergency travel arrangements for family members
Lost passport or travel documents assistance
Embassy and consulate referrals
Legal and accounting referrals
Bail bond assistance
Translation and interpretation assistance
Atlas
Travel Assistance Services are not insurance benefits and provision
of any Atlas Travel Assistance Services is not a guarantee of any
other benefit under the Atlas Series.
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Schedule of Benefits and Limits
Deductibles: $100, $250, $500, $1,000 or $2,500 per Certificate
Period.
Coinsurance - Claims incurred in US or Canada: For the Certificate
Period, Underwriters will pay 80% of the next $5,000 of Eligible
Expenses after the Deductible, then 100% to the Overall Maximum
Limit.
Coinsurance - Claims incurred outside US or Canada: For the Certificate
Period, Underwriters will pay 100% of Eligible Expenses after the
Deductible up to the Overall Maximum Limit.
Hospital Room and Board: Average Semi-private room rate, including
nursing services.
Intensive Care Unit: Usual, Reasonable and Customary charges
Outpatient Treatment: Usual, Reasonable and Customary charges
All Other Eligible Expenses: Usual, Reasonable and Customary charges.
Acute Onset of Pre-existing Condition: Atlas Extra - $2,500 limit;
Atlas International - $1,000 Limit; Atlas America - No Coverage
Emergency Dental - Acute onset of pain: $100 limit per Certificate
Period
Local Ambulance: Usual, Reasonable and Customary charges.
Emergency Evacuation: Overall Maximum Limit
Repatriation of Remains: Overall Maximum Limit
Emergency Reunion: $10,000 limit per Certificate Period
Trip Interruption: $5,000 limit per Certificate Period
Lost Checked Luggage: $250 limit per Certificate Period (not subject
to Deductible or Coinsurance)
Accidental Death and Dismemberment: Death - $25,000 Loss of 2 Limbs
- $25,000 Loss of 1 Limb - $12,500 .Benefits reduce 50% at age 70
and an additional 50% at age 75.
Common Carrier Accidental Death: $50,000
Hospital Pre-Certification Penalty: 50% of Eligible Medical Expenses.
Optional Hazardous Sports Rider: Overall Maximum Limit
Overall Maximum Limit per Certificate Period (includes all benefits
except Accidental Death and Dismemberment and Common Carrier Accidental
Death): Age 14 days to 69 - $50,000, $100,000, $250,000, $500,000
or $1,000,000.
Age 70 to 79 - $50,000
Age 80 or older - $10,000.
Return of Minor Children $5,000 limit
Physical Therapy $50 per visit
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What Is Excluded?
The following charges, treatments, surgeries, medications, conditions
and circumstances:
Pre-existing Conditions – Charges resulting directly or indirectly
from any Pre-existing Condition are excluded from this insurance,
except, if you purchase Atlas Extra or Atlas International, you
are covered for 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 Illness, Injury or medical
condition or chronic or recurring Illness or Injury or medical condition,
including any associated complications or consequences, which existed
at or during the 5 years immediately preceding your effective date.
An Acute Onset 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.
Treatment for or related to any congenital condition.
Pregnancy, child birth, birth control, artificial insemination,
infertility, impotency or sexual dysfunction, sterilization or reversal
thereof.
Mental Health Disorders or Substance Abuse.
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 use of Emergency Room 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, or 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, AIDS or ARC.
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.
Eyeglasses, contact lenses, 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 sustained while taking part in the following activities:
Amateur or professional sports or athletics, except this does not
include Amateur sports or athletics which are non-contact and undertaken
solely for leisure, recreational, entertainment or fitness purposes
unless such sports or athletics are otherwise excluded by this provision.
The following are excluded: Mountaineering where ropes or guides
are normally used 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; and any other sport or athletic
activity which is undertaken for thrill seeking and exposes you
to abnormal or extreme 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.
Willfully self-inflicted Injury or Illness and immunizations and
Routine Physical Exams.
The Deductible, and Coinsurance and charges which are not included
as Eligible Expenses as described in the Master Policy, and charges
which exceed the policy 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 Evacuation, Repatriation
of Remains, Emergency Reunion 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, war, insurrection, riot or any variation thereof.
Treatment by a Chiropractor.
Diseases of the skin.
This is a summary of exclusions. For more details, or for a complete
copy of the Master Policy, contact MultiNational Underwriters, Inc.
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What If I Plan to Participate
in a Sport or Athletic Activity that is Excluded?
The Optional Hazardous Sports Rider is available for the adventurous
traveler. This Rider adds coverage for the Amateur sports, listed
in exclusion #15. The maximum policy limit under this rider is the
Overall Maximum Limit you select. The Accidental Death and Dismemberment
benefit is deleted during the course of the activity.
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What If I Have an Acute Onset
of a Pre-Existing Condition?
If you purchase Atlas Extra, you are covered up to $2,500; or Atlas
International, you are covered up to $1,000 for a sudden and unexpected
outbreak or recurrence of a Pre-existing Condition, which occurs
spontaneously and without advance warning either in the form of
a Physician recommendation or symptoms, and which occurs while this
coverage is in effect. Treatment must be obtained within 24 hours
of the sudden and unexpected outbreak or recurrence.
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What Are the Pre-Notification
Requirements?
All Hospitalizations, Surgeries, Emergency Evacuations, Emergency
Reunions, Trip Interruptions, Repatriation of Remains, Computerized
Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI) must
be Pre-notified. Simply call, or have your Physician call, MultiNational
Underwriters, Inc. with all information relative to your claim.
Be sure to have your ID number available. If you do not Pre-notify,
medical expenses will be reduced by 50%, and all other expenses
will be forfeited.
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Who Is The Plan Administrator?
MultiNational Underwriters, Inc., headquartered in Indianapolis,
Indiana, is a full service organization offering a comprehensive
portfolio of insurance products designed specifically to address
the insurance needs of international travelers. As a TRAVEL GUARD®
International company, we benefit from the experience of a corporate
group that protected over 6 million travelers last year. Our international
claims specialists, medical professionals and customer service representatives
are available 24 hours a day, 7 days a week to answer your questions
and respond to your needs. Whether you have lost your luggage or
are in need of Emergency Evacuation, you will find our service team
to be prompt, compassionate, and of the highest professional quality.
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Who Are The Insurers?
Lloyd’s, the largest and oldest insurance market in the world,
is the insurer of the Atlas Series. Rated A- by AM Best Company,
and A by Standard and Poor’s, Lloyd’s provides financial
strength and security that is unparalleled in the worldwide insurance
market. Lloyd’s is recognized as a market leader in the accident
and health insurance arena, and is well-known for its innovative
products and services. Presently, Lloyd’s provides accident
and health insurance to millions of individuals in almost every
country of the world.
For
Holiday
Insurance Quotes from the
USA
