Atlas Essential International Insurance for Travelers Abroad
Atlas Essential International Insurance is a basic comprehensive plan for international travelers outside the USA, purchase coverage from 5 up to 364 days, renewable.
COVID-19 / SARS-CoV-2 / Coronavirus Atlas Essential International plan purchased on or after July 15th, COVID-19 will be treated as any other eligible illness. The epidemic/pandemic exclusion has been updated, including an exception for COVID-19, allowing for COVID-19 to be covered as any other eligible illness.
Atlas Essential International Insurance is the basic comprehensive travel medical insurance offering maximum coverage limits up to USD $1 million. This value travel insurance coverage is specially designed for international travelers outside the United States and home country, to any other nation abroad. This travel health insurance policy offers basic coverage benefits including medically supervised emergency evacuations, emergency reunions or repatriation of mortal remain as part of the included benefits.
- Quote and Buy Atlas Essential International Insurance online
- Review the Atlas Essential International Insurance Brochure
- Review the Atlas Essential International Insurance Certificate
Atlas Essential International Insurance plan includes optional Hazardous Sports Rider (for risks pertaining to participation in adventure sports) and Home country Return Rider (provides temporary medical coverage for non-US citizens returning to their country of citizenship).
Atlas Essential International Travel Medical Insurance is administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group), and the policy is underwritten by Lloyds, the oldest insurance entity in the world.
Atlas Essential International Review
Budget Comprehensive Plan for Intl. Travel
Notes: Basic comprehensive policy with Covid-19 coverage for international travelers outside USA and home country. Renewable.
Eligibility: Any US citizen or foreign national individuals and/or family, above age 14 days, and traveling abroad outside the U.S. and residence home country.
Coverage Duration: Minimum of 5 days to maximum of 1 year (364 days)
Amounts:
- Member maximum limits: $50K to $1 million
- Choice of deductible: $0 to $2,500
- AD&D benefit: $25K (included), additional to $1 million
PPO Network: No Preferred Provider Organization (PPO) network outside the United States, freedom to visit any doctor or hospital for medical care as no coinsurance charges applies.
Renew or Extend: Renewable, prior to expiration date, up to max. of 364 days. $5 renewal fee applies additionally.
Other Highlights
- US citizen traveling outside the United States
- Foreign nationals traveling abroad (excl. USA)
- International travel outside residence country
- Basic low-cost comprehensive coverage plan
- Sickness/injury plan w/coverage abroad
- Quote & purchase online for single trip
- Optional riders to policy available
Atlas Essential International Travel Insurance
Atlas Essential Insurance plan highlights include:
- Atlas Essential America is for worldwide coverage including USA, plan suits foreign nationals visiting USA and traveling outside their home country.
- Atlas Essential International is for worldwide coverage excluding USA, policy is for US citizens or non-US citizens traveling abroad and outside of the United States of America.
- Does NOT cover acute onset of a pre-existing condition coverage for visitors to USA.
- Plan is ideally suited for budget conscious travelers visiting USA or for travel abroad internationally.
Atlas Essential International Insurance Plan Overview
Atlas Essential International policy is for travelers outside America who are going abroad to any foreign country.
- Eligibility: International travelers outside their home country (age more than 14 days).
- Policy Maximum: Plan offers maximum coverage from US$50,000 to US$2,000,000 for the life of the plan. For travelers ages 70 to 79 years, the maximum coverage is limited to $150,000 and for ages 80 years and older it is reduced to $20,000.
- 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: No PPO network outside the USA, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
- Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests, urgent care and emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included.
- Duration: Minimum certificate period of 5 days to maximum coverage/renewal period of 1 year (364 days).
- Underwriter: Policy is underwritten by Lloyds, the oldest and largest insurance market in the world.
- Administrator: Plan is administered by WorldTrips, a member of Tokio Marine HCC Group of companies.
Atlas Essential International Insurance Plan Details
Review the plan brochure for coverage benefits or the detailed description of coverage document for plan exclusions and in-depth policy information.
- 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: Acute onset of pre-existing condition coverage is NOT covered, this benefit is NOT available in the Essential plan.
- Plan Brochure: Review the Atlas Essential Insurance Plan Brochure for policy details.
- Description of Coverage: Review the Atlas Essential Insurance Description of Coverage for policy exclusions and detailed information.
Atlas Essential International Insurance Plan Brochure
Atlas Essential International Insurance Review of the plan brochure for coverage information and summary of benefits along with broad outline of the policy features.
- Plan Brochure: Atlas Essential International Insurance Review of the Atlas Essential Insurance Brochure for policy information, coverage features and plan summary of benefits.
Atlas Essential International Insurance Certificate
Atlas Essential International Insurance Review of the plan certificate for detailed coverage information and plan exclusions with in-depth policy benefits explanation.
- Certificate of Insurance: Review all the policy details available in the Atlas Essential Insurance Certificate which is the detailed sample document of the master policy document.
Atlas Essential Insurance PPO Network
Atlas Essential International Insurance has no PPO network outside the USA. Seek care with any of the available doctors, hospitals, labs, and other caregivers. No co-insurance charges applies outside the United States.
Atlas Essential International Insurance - Apply to Quote/Buy Online
Quote, Apply & Buy Atlas Essential International Insurance instantly online along with the quoted premium cost payment.
- Quote/Buy Online: Get instant quote & Buy Atlas Essential Insurance coverage with online application.
Atlas Essential International Insurance - Renew/Extend Coverage
Atlas Essential International Insurance plan 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 Essential Insurance Renew Online.
Atlas Essential International Insurance Client Zone
Atlas Essential International 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 Essential International Insurance Client Zone for existing policyholders.
- Claim Form: Submit the Atlas Essential International Insurance Claim Form along with your bills and other supporting documents on the Client Zone for review and settlement.
Atlas Essential International Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of Essential.
- 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 if you have an outstanding claim. If you have no claims with the current active policy certificate, partial pro-rated refunds are available with this policy.
Atlas Essential International Insurance Plan FAQ
Below are some of the questions frequently asked with the Atlas Essential International insurance plan gathered over many years:
Who is eligible to purchase the Atlas Essential International policy?
US citizens or Foreign nationals going abroad for short term up one year
The Atlas Essential International plan is available for both US citizens or residents, or foreign nationals living abroad, who are traveling outside the United States and home country for a short-term duration of up to 1 year. Individuals and/or families of any age traveling abroad can purchase the policy.
What are the common terms used in the Atlas Essential International plan?
Medical Maximum, Deductible, Coinsurance are commonly referenced
Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the Essential cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only (in USA outside PPO network) for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.
Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.