Brochure
 tlas  roup  ravel
The minimum coverage period is 7 days and the
maximum coverage period is 12 months.
 Rates and Application are at the bottom of this
page.
The Atlas Group Travel Series now automatically
includes many new benefits, services and features that make it the best option for student
groups, missionary organizations and corporations who travel internationally.  At no additional cost, the Atlas
Group Travel Series now adds coverage for Acts of Terrorism, Complications of Pregnancy
and Incidental Trips home to the industry’s leading travel medical insurance plan.
State of the art travel and emergency medical assistance services are part of every Atlas
Group Travel Series plan. All of this with the same astonishing service you have come to
expect from our Underwriters and Plan Administrators, the leader in international travel
medical insurance.
Why Buy Travel Insurance?
The answer is easy. Whether your group is traveling for business or pleasure,
international travel involves risk. You may arrive at your destination to find that a
member of your group’s luggage with personal items has disappeared. A personal
emergency may necessitate early return home for a member of your group. 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, members of your group may be exposed to significant
financial liability. The Atlas Group Travel Series were specially designed to take the
risks out of international travel, so your group can have an enjoyable and productive
trip.
 Click
here for Instant Quotes & Online Application
 If any members of your group reside in Florida
or have a mailing address in Florida, please contact us at 877-211-3654
or Info@internationalriskmanagement.com
before submit your application for Atlas Group Travel.
Is My Group Eligible for the Atlas Group Travel
Series?
If your group consists of a minimum of five travelers who are at least 14 days old
traveling internationally for at least 7 days, your group is eligible. If your group
members are under age 70, you may select the Overall Maximum Limit, ranging from $50,000
to $1,000,000. The Overall Maximum Limit for members age 70 to 79 is $50,000. The Overall
Maximum Limit for members age 80 and older is $10,000.
The minimum coverage period is 7 days and the
maximum coverage period is 12 months.
The same Overall Maximum Limit must be purchased for every member of your group under the
age of 70. The same Deductible must be purchased for every member of your group.
When Does Coverage Become Effective
and When Does it End?
Coverage becomes effective on the latest of: the moment we receive your Application and
correct premium (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 the member departs from his or her Home Country or
12:01am US Eastern Standard Time on the date you request on your Application. 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 the member’s arrival upon return to
their Home Country (unless the member has started a Benefit Period or is eligible for Home
Country Coverage).
Does the Atlas Group Travel Series Provide any Home Country
Coverage?
Yes. Under certain circumstances, the Atlas Group Travel Series will provide limited Home
Country Coverage. Incidental Home Country Medical Coverage – US citizens traveling
for three (3) months or more are covered for Medical expenses only during one incidental
trip to their Home Country for up to 15 days. The member must continue his or her
international trip no more than 15 days after return to his or her Home Country in order
to be eligible for this benefit. Return to Home Country must not be taken for the purpose
of obtaining treatment of an Illness or Injury that began while traveling.
Benefit Period Medical Coverage – If a member started a Benefit
Period while this insurance was in effect, the member is covered for Medical expenses only
for the duration of the Benefit Period, regardless of whether the member is at home or
abroad. A Benefit Period begins on the first date the member receives a diagnosis or
treatment of a covered Illness or Injury while outside his or her Home Country and lasts
for 180 days.
End of Trip Home Country Medical Coverage – If your group is covered
under the Atlas Group Travel Series and members are outside of their Home Countries
continuously (except for covered Incidental Trips as described above) for six (6) months
or more, you may purchase an additional 30 days of End of Trip Home Country Medical
Coverage for the group.
Home Country Defined - If you are a U.S. citizen, your Home Country is
the United States, regardless of the location of your Principal Residence. If you are not
a U.S. citizen, your Home Country is the country where you principally reside and receive
regular mail.
Which
Plan Should I Purchase?
For U.S citizens traveling abroad, you should purchase Atlas International. For non-US
citizens traveling outside their Home Countries, you should purchase Atlas America. If
your group includes both US and non-US citizens, the appropriate plan will apply based on
each member’s citizenship.
What is Covered?
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):
Medical:
1. Inpatient and Outpatient charges made by a Hospital.
2. Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other
medical specialist to whom the Physician has referred the case.
3. 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.
4. Charges for diagnostic testing using radiology, ultrasonographic or laboratory
services.
5. Charges for oxygen and other gases and anesthetics and their administration.
6. 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.
7. Charges made by a licensed Extended Care Facility upon direct transfer from an acute
care Hospital.
8. 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.
Hospital Indemnity:
If a member of your group is hospitalized as an Inpatient for treatment of a covered
Illness or Injury, the Atlas Group Travel Series will provide $100 for each night the
member spends 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 purchase a minimum of 3 months of coverage, your group members who are U.S.
Citizens under age 70 are covered for an Acute Onset of a Pre-existing Condition. Coverage
available is 10% of the Maximum Overall Limit purchased, up to a maximum of $50,000. 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.
Emergency Dental:
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 $100.
Emergency Medical Evacuation:
If recommended by the attending Physician, who certifies that Evacuation is necessary to
safeguard the member’s life and that Medically Necessary treatment is not available
locally, and if approved in advance and coordinated by the Plan
Administrator,
the Atlas Group Travel 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 Medical Evacuation, the Atlas Group Travel Series will
provide the following benefits: The cost of an economy round-trip air and/or ground
transportation ticket for one of the member’s relatives (parent, spouse, sibling or
child age 18 or older) for transportation to the area where the member is hospitalized
following Emergency Evacuation and reasonable expenses for lodging and meals for the
relative for a period not to exceed 15 days.
Return of Minor Child(ren):
If a member of your group is 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 Group Travel Series, and
the member is 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 Group Travel 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.
Terrorism
The Atlas Group Travel 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:
1. The Injury or Illness does not result from chemical, nuclear or biological weapons or
events.
2. The member has no direct or indirect involvement in the Act of Terrorism.
3. 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.
4. The member has 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 Accidental Death (except while traveling on a commercial common carrier)
or Dismemberment resulting from a covered Injury, the Atlas Group Travel Series will
provide the following benefit:
1. Accidental Death – Principal Sum of $25,000
($5,000 for children under age 18) to the Beneficiary. The Principal Sum shall reduce by
50% (to $12,500) for members age 70 to 74 at time of Death, and an additional 50% (to
$6,250) for members age 75 or older at time of Death.
2. Accidental Dismemberment
a. Loss of 2 eyes or 2 or more
limbs – Principal Sum of $25,000 ($5,000 for children under age 18) to the member.
b. Loss of 1 eye or limb – One-half of the Principal Sum to the
member.
c. The Principal Sum(s) shall reduce by 50% for members age 70 to 74 at
time of Dismemberment, and an additional 50% for members age 75 or older at time of
Dismemberment.
3. 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.
The Beneficiary for members age 18 or older will be as follows: 1. Spouse (if any) 2.
Children (if any) 3. Estate of the member. The Beneficiary for members under age 18 will
be as follows: 1. Custodial Parent(s) 2. Siblings (if any) 3. Estate of the member.
Common Carrier Accidental Death:
In the event of Accidental Death while
traveling on board a commercial common carrier, the Atlas Group Travel 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 group to the Beneficiary, as described above. 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 a member’s death, the Atlas
Group Travel Series will provide the following benefit: Air and/or ground transportation
of bodily remains or ashes to the area of the member’s Principal Residence, and
reasonable costs of preparation of remains necessary for transportation.
Trip Interruption:
1. If, after you have departed, a member of your group learns of the
death of a parent, spouse, sibling or child, or learns of the substantial destruction of
his or her Principal Residence by fire or weather, the Atlas Group Travel Series will
provide the following benefit: The cost of an economy one way air and/or ground
transportation ticket for the member to the area of his or her Principal Residence; or
2. If, following a covered Emergency Evacuation, the attending Physician
states that it is Medically Necessary for the member to return to his or her Home Country
or to the area from which he or she was initially evacuated for continued treatment,
recuperation and recovery, the Atlas Group Travel Series will provide the following
benefit: The cost of a one-way economy air and/or ground transportation ticket for the
member’s transportation from the area where he or she was hospitalized following the
Emergency Evacuation, to the area where he or she was initially evacuated from, or to the
terminal serving the area of the member’s Principal Residence.
Lost Checked Luggage:
In the event a member’s checked luggage is permanently lost by the carrier, the Atlas
Group Travel 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. The member 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 its
normal reimbursement for the lost checked luggage.
What Travel Assistance Services Are Included?
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 Group Travel 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, checked
baggage. We will help you locate your lost checked 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 Group
Travel Series.
Schedule of Benefits and
Limits
|
Deductibles: |
$0, $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
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 |
Local Ambulance |
Usual, Reasonable and Customary charges |
Hospital Indemnity |
$100 per day (not subject to Deductible or Coinsurance) |
Intensive Care Unit |
Usual, Reasonable and Customary charges |
Outpatient Treatment |
Usual, Reasonable and Customary charges |
Acute Onset of Pre-existing Condition |
10% of Overall Maximum Limit up to $50,000 per Certificate Period
(US Citizens under age 70 with Certificate Periods of 3 months or more) |
Emergency Dental |
Accident – Overall Maximum Limit
Acute Onset of Pain - $100 limit per Certificate Period |
Emergency Medical Evacuation |
Overall Maximum Limit |
Emergency Reunion |
$15,000 limit per Certificate Period |
Return of Minor Children |
$5,000 limit per Certificate Period |
Terrorism |
$50,000 Maximum Lifetime Limit, Medical Expenses only |
Accidental Death and Dismemberment |
Death - $25,000 adult, $5,000 children under age 18; Loss of 2 Limbs -
$25,000 adult, $5,000 children under age 18; Loss of 1 Limb - $12,500 adult, $2,500
children under age 18; Benefits reduce by 50% at age 70 and an additional 50% at age 75. |
Common Carrier Accidental Death |
$50,000 per adult, $25,000 children under age 18; $250,000 per group |
Repatriation of Remains |
Overall Maximum Limit |
Trip Interruption |
$5,000 limit per Certificate Period |
Lost Checked Luggage |
$250 limit per Certificate Period (not subject to Deductible or
Coinsurance) |
Hospital Pre-Notification 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 |
What Is Excluded?
The following charges, treatments, surgeries, medications, conditions and circumstances
are excluded:
1. Pre-existing Conditions –
Charges resulting directly or indirectly from any Pre-existing Condition are excluded from
this insurance. US citizens who have purchased a coverage period of at least 3 months and
are under age 70 are covered for Medical and Emergency Medical 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 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 2
years immediately preceding the member’s 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.
2. Treatment for or related to any congenital condition.
3. Routine pre-natal care, childbirth, care of newborns, post-natal care, birth control,
artificial insemination, infertility, impotency or sexual dysfunction, sterilization or
reversal thereof.
4. 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.
5. Mental Health Disorders or Substance Abuse.
6. 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.
7. 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.
8. Not Medically Necessary and administered or ordered by a Physician.
9. 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.
10. Charges which exceed Usual, Reasonable and Customary.
11. Investigational, Experimental or for Research purposes.
12. While confined primarily to receive Custodial Care, Educational or Rehabilitative
care.
13. Venereal Disease, AIDS or ARC.
14. Treatment by a Chiropractor.
15. Diseases of the skin.
16. 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.
17. 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.
18. 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; spelunking;
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.
19. 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.
20. Willfully self-inflicted Injury or Illness and immunizations and Routine Physical
Exams.
21. 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.
22. Treatment required as a result of complications or consequences of a treatment or
condition not covered hereunder.
23. 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.
24. Treatment incurred as a result of exposure to non-medical nuclear radiation and/or
radioactive material(s).
25. Organ or tissue transplants or related services.
26. Acts of Terrorism, except as provided for herein, war, insurrection, riot or any
variation thereof.
This is a summary of
exclusions.
For more details, or for a complete copy of the Master Policy, please contact us.
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 groups. This Rider
adds coverage for the Amateur sports listed in exclusion #18. The maximum coverage under
this rider is the Overall Maximum Limit you select. The Accidental Death and Dismemberment
benefit is deleted during the course of the activity. The Rider must be purchased for all
members of your group.
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 the Physician call,
MultiNational Underwriters, Inc. with all information relative to the claim. Be sure to
have the member’s ID number available. If the member does not Pre-notify, medical
expenses will be reduced by 50%, and all other expenses will be forfeited.
Who is the Insurer?
Lloyd’s, the largest and oldest insurance market in the world, is the insurer of the
Atlas Group Travel Series. Rated A (Superior) by AM Best Company, and A (Strong) 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.
Click
here for Instant Quotes & Online Application
If any members of your group reside in Florida
or have a mailing address in Florida, please contact us at 877-211-3654
or Info@internationalriskmanagement.com
before submit your application for Atlas Group Travel.
For customized quotes, please contact us today.
info@internationalriskmanagement.com
877-221-3654 or
559-294-0316
|
