Atlas Multi-Trip Travel Insurance

Maximum Per Injury / Illness $1,000,000.
Schedule of Benefits and Limits
Overall Maximum Limit per Certificate Period $1,000,000.
Deductible: $250 per covered trip.
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 will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider
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 as inpatient
Intensive Care Unit: Usual, reasonable and customary charges
Emergency Room Co-payment: For each visit, the Member shall be responsible for a $200 copayment for use of Emergency room except for Emergency treatment of Injury after which Coinsurance will apply.
Urgent Care Center: For each visit, the Member shall be responsible for a $50 copayment, after which Coinsurance will apply. Not subject to Deductible.
Hospital Indemnity: $100 per day of inpatient hospitalization (not subject to deductible or coinsurance)
Physical Therapy: $50 maximum per day
All Other Eligible Medical Expenses: Usual, reasonable and customary charges
Acute Onset of Pre-existing Condition
(only available to members under age 70):
Limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions).
$25,000 lifetime maximum for emergency medical evacuation.
Emergency Dental
(acute onset of pain)
$250 limit per certificate period (not subject to deductible or coinsurance)
Emergency Medical Evacuation: $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition (not subject to deductible or coinsurance)
Return of Minor Children $50,000 per certificate period (not subject to deductible or coinsurance)
Pet Return Up to $1,000 to return a traveling pet home if member is hospitalized.
Repatriation of Remains: Overall maximum limit (not subject to deductible or coinsurance)
Emergency Reunion: $50,000 limit per certificate period, subject to a maximum of 15 days
(not subject to deductible or coinsurance)
Natural Disaster: Maximum $100 a day for 5 days (not subject to deductible or coinsurance)
Trip Interruption: $5,000 limit per certificate period (not subject to deductible or coinsurance)
Trip Delay: $100 for 12-hour delay requiring unplanned overnight stay (2 days maximum).
Lost Checked Luggage: $500 limit per certificate period (not subject to deductible or coinsurance)
Accidental Death and Dismemberment
(excludes loss due to common carrier accident; $250,000 maximum
benefit per any one family or group)
Not subject to deductible or coinsurance Accidental Death and Dismemberment benefits are doubled in the event of loss resulting from Hijacking, Kidnapping or attempted Kidnapping.
Members up to age 18 Lifetime max. - $5,000; Death - $5,000; Loss of 2 limbs - $5,000; Loss of 1 limb - $2,500
Members age 18 through 69 Lifetime max. - $50,000; Death - $50,000; Loss of 2 limbs - $50,000; Loss of 1 limb - $25,000
Members age 70 through 74 Lifetime max. - $12,500; Death - $12,500; Loss of 2 limbs - $12,500; Loss of 1 limb - $6,250
Members age 75 and older Lifetime max. - $6,250; Death - $6,250; Loss of 2 limbs - $6,250; Loss of 1 limb - $3,125
Common Carrier Accidental Death
($250,000 maximum benefit per any one family or group)
Not subject to deductible or coinsurance
Up to age 18 - $25,000 per member; Age 18 to 69 - $50,000 per member; Age 70 to 74 - $12,500 per member; Age 75 and older - $6,250 per member
No benefit for loss resulting from Hijacking
Hospital Pre-certification Penalty 50% of eligible medical expenses
Crisis Response $10,000 limit per certifi cate period;
Includes access to Unity Crisis Group services.
Personal Liability $10,000 lifetime maximum.
Bedside Visit $1,500 (economy ticket for family member to visit if member admitted to ICU).

Benefit Period Medical Coverage

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, underwriters will pay eligible medical expenses, as defi ned herein, for up to 90 days beginning on the fi rst day of diagnosis or treatment of a covered injury or illness while the member is outside his or her home country and while the certificate was in effect. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.

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.