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International Travel Insurance > MultiNational Underwriters > Multi-Trip Travel Coverage
Atlas Professional Annual Multi-Trip Plan
Schedule of Benefits and Limits
| Overall Maximum Limit per Certificate Period | $1,000,000. |
| Deductible: | $250 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 when Covered Illness or Injury results in hospitalization. |
| 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 per Certificate Period
for Eligible Medical Expenses $25,000 per Certificate Period for Emergency Medical Evacuation (only available to US Citizens) |
| Emergency Dental: | Accident - Overall Maximum
Limit Acute Onset of Pain - $100 limit per Certificate Period |
| Emergency Evacuation: | Overall Maximum Limit |
| Emergency Reunion: | $15,000 limit per Certificate Period |
| Return of Minor Children | $5,000 limit |
| 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; $250,000 Maximum per family |
| 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-Certification Penalty: | 50% of Eligible Medical Expenses. |
| Optional Hazardous Sports Rider: | Overall Maximum Limit |
| Terrorism: | $50,000 Maximum Lifetime Limit, Medical Expenses only |
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.
Am I Eligible for the Atlas Professional?
If you are under age 66 and you maintain medical insurance that covers you while you are in your Home Country, you are eligible for Atlas Professional. Your Spouse under age 66 and dependent children who are at least 14 days up through age 18 may also be covered, provided they too maintain medical insurance that covers them while they are in their Home Country. The Overall Maximum Limit is $1,000,000 per person.
Home Country Coverage
If you started a Benefit Period during a covered trip, 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.