Available for up to 364 days for US residents and visitors, Atlas Travel® is a comprehensive travel medical plan that provides coverage for any new illness & injury that might occur while traveling outside of your home country.
**Note: Not available to individuals who are physically located in New York, Maryland, or Washington or in the country of Canada or Australia at time of purchase.Quote & Buy Atlas Travel
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. Tokio Marine HCC - MIS Group has designed The Atlas Series to take the risks out of international travel, so you can have an enjoyable and productive trip.
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.
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).
Yes. Under certain circumstances, Atlas Travel® will provide limited Home Country Coverage.
Incidental Home Country Medical Coverage - For every 3 months of coverage purchased, the Atlas Series provides US citizens up to 15 days of incidental coverage for trips to your Home Country. Incidental visit time must be used within the three-month period earned, and the member must continue his or her international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.
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.
All US citizens should purchase Atlas International, which provides coverage for outside of the United States. Non-US citizens traveling outside of the US should purchase Atlas International. Non-US citizens traveling to the United States should purchase Atlas America.
All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits
Headquartered in Indianapolis, Indiana, MIS Group is a member of Tokio Marine HCC is a full-service company offering international medical insurance designed to meet needs of consumers worldwide. Tokio Marine HCC is a leading specialty insurance group conducting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Headquartered in Houston, Texas, the company is made up of highly entrepreneurial teams equipped to underwrite special situations, companies and individuals, acting independently to deliver effective solutions. Our products and capabilities set the standard for the industry, as many of our nearly 2,500 employees are industry-leading experts. Tokio Marine HCC is part of Tokio Marine, a premier global company with a market cap of approximately $30 billion. Tokio Marine HCC holds a financial strength rating of AA- for Standard & Poor’s and Fitch Ratings and A++ (Superior) by A.M. Best Company.
Lloyd's, the largest and oldest insurance market in the world, is the insurer of the Atlas Series travel medical insurance plan. Rated A (Excellent) 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.
(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.
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