Complete BROCHURE, RATES and APPLICATION
 tlas  ravel
Insurance
Medical Insurance
for U.S Citizens and non-US Citizens Traveling
Outside of their Home Country. Renewable up to 36 months.
Rates and Application are at the bottom of this
page.
 Click
here for Instant Quotes
Click here to Apply
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. The Atlas Series
were designed to take the risks out of international travel, so you can have an enjoyable
and productive trip.
The Atlas Series now automatically includes many new
benefits, services and features that make it the best option for individuals and families
who travel internationally. At no additional cost, the Atlas 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 Series plan. In addition,
the Atlas Series now allows you to extend and/or renew your coverage for up to 36 months.
Am I Eligible
for the Atlas Series?
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 5 days and the maximum initial coverage period is
12 months.
 If you 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 Travel Medical Insurance.
Who Is The Insurer?
Lloyd’s, the largest and oldest insurance
market in the world, is the insurer of the Atlas 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.
When Does
Coverage Become Effective and When Does it End?
Your 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 you depart from your Home Country, or 12:01am US
Eastern Standard Time on the date you request on your Application. Your 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 your arrival upon return to your Home Country (unless
you have started a Benefit Period or are eligible for Home Country Coverage).
Does the Atlas
Series Provide any Home Country Coverage?
Yes. Under certain circumstances, the Atlas Series will
provide limited Home Country Coverage.
Incidental Home Country Medical Coverage
– If you are a US citizen traveling for three (3) months or more, you are
covered for Medical expenses only during one incidental trip to your Home Country for up
to 15 days. You must continue your international trip no more than 15 days after your
return to your Home Country in order to be eligible for this benefit. Return to your 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
you started a Benefit Period while this insurance 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.
End of Trip Home Country Medical Coverage
– If you are covered under the Atlas Series and outside of your Home Country
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.
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.
Which Plan Should I
Purchase?
All US citizens should purchase Atlas
International, which provides coverage for outside of the United States.
Non-US citizens traveling outside of the U.S. should purchase Atlas
International.
Non-US citizens traveling to the United States should purchase Atlas America.
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:
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, but excluding
nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home.
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 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 you are hospitalized as an Inpatient for
treatment of a covered Illness or Injury, the Atlas Series will provide $100 for each
night you spend 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 are a US Citizen under age 70,
you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up
to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical
Evacuation. 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 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 Plan Administrator, 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
Medical 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 Medical Evacuation and reasonable expenses for
lodging and meals for your relative, for a period not to exceed 15 days.
Return of Minor Children:
If you are the only person age 18 or older,
traveling with one or more 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 children 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 child to the terminal serving the area of
Principal Residence of each covered child.
Terrorism
The Atlas 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:
The Injury or Illness does not result
from chemical, nuclear or biological weapons or events.
You have no direct or indirect involvement in the Act
of Terrorism.
The Act of Terrorism is not in a country or location
where the United States government has issued a travel warning that has been in effect
within the 6 months prior to your date of arrival.
You have not unreasonably failed or refused to depart
a country or location following the date a warning 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.
For additional benefits covering
Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage,
review the MultiNational Accident Plan (MAP). Contact our specialists for additional
information about this exciting new product.
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 to the Beneficiary
designated on your Application
Loss of 2 eyes or 2 or more limbs – Principal Sum to you
Loss of 1 eye or 1 limb – One Half of the Principal Sum to
you
Age |
Principal Sum |
14 days to 17
years |
$5,000 |
18 to 69 |
$25,000 |
70 to 74 |
$12,500 |
75+ |
$6,250 |
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.
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 ($25,000 for children under age 18), subject
to a maximum of $250,000 per family, to the Beneficiary designated on your Application.
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 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.
Natural Disaster
In the event of natural disaster
(hurricane, flood, tornado, tsunami, etc) the Atlas Series will provide up to $100 a day
for 5 days if the member is Displaced from planned, paid accommodations due to evacuation
from forecasted disaster or following a disaster strike. Displaced is defined as required
to depart the destination due to an evacuation ordered by prevailing authorities. Proof of
paid accommodations must be submitted at time of claim.
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
If, following a covered Emergency Medical 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.
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 copies of
all claim forms and proof that the transportation provider has paid you its normal
reimbursement for the lost checked luggage.
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 |
|
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 |
|
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: |
$15,000 limit per
Certificate Period for Eligible Medical Expenses
$25,000 limit per Certificate Period for Emergency Medical Evacuation (only available to
US Citizens under age 70) |
|
Physical Therapy: |
$50 per visit |
|
All Other Eligible
Medical Expenses: |
Usual, Reasonable
and Customary charges |
|
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: |
Principal Sum
$25,000 Adults age 18-69
$12,500 Adults age 70-74
$ 6,250 Adults age 75 and above
$ 5,000 Children age 17 and below |
|
Common Carrier
Accidental Death: |
$50,000 per adult,
$25,000 children under age 18; $250,000 Maximum per family |
|
Repatriation of
Remains: |
Overall Maximum
Limit |
|
Natural Disaster Benefit: |
Up to $100 a day
for 5 days when Displaced from planned, paid accommodations due to evacuation from
forecasted disaster or following a disaster strike |
|
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 |
The following charges, treatments, surgeries, medications, conditions and
circumstances
are excluded:
- Pre-existing Conditions – Charges resulting directly or
indirectly from any Pre-existing Condition are excluded from this insurance. If you are a
US citizen under age 70, you are covered for Medical and Emergency 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 your Effective date. An Acute Onset is a sudden and unexpected
outbreak or recurrence of a Pre-existing Condition, that 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.
- Routine pre-natal care, childbirth, care of newborns, post-natal
care, birth control, artificial insemination, infertility, impotency or sexual
dysfunction, sterilization or reversal thereof.
- 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.
- Mental Health Disorders or Substance Abuse.
- 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.
- Charges for use of Emergency Room within the US 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, 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.
Treatment by a Chiropractor.
Diseases of the skin.
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, 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.
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, 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.
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, 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,
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 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.
What Are the Pre-Notification
Requirement?
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.
What If I Have an Acute Onset of a
Pre-Existing Condition?
If you are a US Citizen under age 70 and
purchase a minimum of 3 months of coverage initially, you 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.
How do I Extend or Renew my
Coverage?
You may extend your coverage (5 day minimum) up to a maximum of 12 months. Provided there
is no break in coverage, you will not be required to re-satisfy your Deductible,
Coinsurance or Pre-existing Condition provision.
After 12 months of continuous coverage, US citizens may renew their coverage for up to 12
additional months. If 24 months of continuous coverage is maintained, a final period of up
to 12 months may be purchased. Deductible and Coinsurance must be re-satisfied as of each
renewal date.
After 36 months of continuous coverage or any break in coverage, a new plan must be
purchased. A new Application is required and you must re-satisfy your Deductible,
Coinsurance and Pre-existing Condition provisions.
Extensions or Renewals must be made online with payment by credit card. For additional
information on Extending or Renewing your plan, please visit Client Zone.
Click here
for Instant Quotes Click here to Apply
Click
here for Rates Table
If you have any questions or concerns, please contact us
today.
info@internationalriskmanagement.com
877-211-3654 or
559-294-0316
|
