Atlas Group Insurance

Atlas Group Travel Medical Insurance plan highlights and policy details are as follows:

• Eligibility: Groups of 5 or more visitors to USA or international travelers outside their home country (age more than 14 days).
• Policy Maximum: Plan offers maximum coverage choices from US$50,000 to US$2,000,000 for the life of the plan. For travelers ages 65 to 79 years, the maximum coverage is limited to $50,000 or $100,000, and for ages 80 years and older it is reduced to only $10,000.
• Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000, US$2500 or US$5000 deductible per certificate/renewal period.
• Coinsurance Amount: For treatment received outside the PPO network, 20% coinsurance applies for the first $5000 in eligible expenses beyond the chosen plan deducible. For eligible U.S. claims incurred inside the PPO network, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
• Duration: Minimum certificate period of 5 days to maximum coverage/renewal period of 1 year (364 days).
• Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
• Pre-Existing Conditions: Only acute onset of pre-existing condition coverage is available with this plan for ages below 80 years. For age below 65 years, up to selected medical maximum per coverage period, and up to $25K per coverage period for Emergency Medical Evacuation. For ages 65-79 years, up to $100K medical maximum per coverage period, and for ages above 80 years, this benefit is NOT available. Please refer to the “Description of Coverage” document for plan exclusions which are not covered.
• Review Atlas Group Travel Plan Description of Coverage for policy details and exclusions.
• Underwriter: Policy is underwritten by Lloyds, the oldest and largest insurance market in the world.
• Administrator: Plan is administered by WorldTrips, member of the Tokio Marine HCC group of companies.

Review the plan brochure for coverage summary of benefits.

• Plan Brochure: Review the Atlas Group Travel Insurance Plan Brochure for policy summary of benefits table.

Review the plan detailed description of coverage document for plan exclusions and in-depth policy information.

• Description of Coverage: Review Atlas Group Travel Plan Description of Coverage for policy details including detailed information on plan exclusions.

Atlas Group Travel Visitor Insurance has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers. Search for providers within the PPO network and save on co-insurance charges.

• USA Provider Network: Find doctors, surgeons, hospitals, clinics, labs, diagnostic centers, emergency rooms, urgent care centers, other providers by zip code in the U.S. included in Tokio Marine HCC PPO USA Provider Network, network services provided by UnitedHealthCare or FirstHealth (check back of ID card).
• International Provider Network: Find limited international providers and caregivers outside the United States.

Quote/Apply/Buy Atlas Group Travel Insurance instantly online or print/complete the paper application along with the payment.

• Quote/Buy Online: Get instant quote & Buy Atlas Group Travel Insurance coverage with online application.
• Application Form: Complete, mail/fax the Atlas Group Travel Insurance Paper Application along with premium payment.

Atlas Group Travel Visitor Insurance coverage can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.

• Renew Policy: Extend the policy coverage dates using Atlas Group Travel Insurance Renew Online.

Atlas Group Travel Visitor Insurance client zone for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

• Client Zone: Access the Atlas Group Travel Visitor Insurance Client Zone for existing policyholders.
• Claim Form: Submit the Atlas Group Travel Visitor Insurance Claim Form along with your bills and other supporting documents on the Client Zone for review and settlement.

Below are the rules pertaining to cancellation of the policy and refund of premium.

• Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
• Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.