Atlas Premium plan details

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Plan Adminstrator
Tokio Marine HCC

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Plan Validity
Coverage from 5 days to 1 year

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Deductibles
$0, $100, $250, $500, $1,000 or $2,500, $5000

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Maximum Coverage
Age 70 to 79: $50,000, $100,000, or $250,000
Age 80 or older: $20,000
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000

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Acute onset
Yes

Who is eligible?

  • Anyone who is at least 14 days old and traveling internationally is eligible for coverage. . Policies must cover a minimum of five days; however, travel is not required for all five days. Applicants under age 70 may select an overall maximum limit ranging from $50,000 to $2,000,000. The overall maximum limit for members age 70 - 79 is $50,000, $100,000, or $250,000. The overall maximum limit for members over age 80 is $10,000 ($20,000 under Atlas Premium).
  • Parents interested in premium family coverage for their children and themselves
  • Tourists, adventure travelers, and vacationers interested in emergency medical benefits and supplemental travel-assistance benefits in the highest coverage amounts
  • The business and travel elite seeking additional coverage

Coinsurance

We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Acute Onset of a Pre-existing Condition

Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower Under age 70: Up to the overall maximum limit
$25,000 lifetime maximum for Emergency Medical Evacuation

Accidental Death & Dismemberment

Excludes loss due to common carrier accident
$250,000 maximum benefit for any one family or group

Members under age 18:
Lifetime maximum: $5,000
Death: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500

Members age 18-69:
Lifetime maximum: $100,000
Death: $100,000
Loss of 2 limbs: $100,000
Loss of 1 limb: $50,000
Members age 70-74:
Lifetime maximum: $12,500
Death: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250

Members age 75 and older:
Lifetime maximum: $6,250
Death: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125
Not subject to deductible or overall maximum limit.

Common Carrier Accidental Death
Members under age 18: $25,000
Members age 18-69: $50,000
Members age 70-74: $12,500
Members age 75 and older: $6,250 
Subject to a maximum of $250,000 any one family or group.
Not subject to deductible or overall maximum limit.

Policy cancellation and refund

You may submit a written cancellation request. A $25 cancellation fee will apply. No refund will be issued for policies that have submitted claims.

Schedule of Benefits and Limits

Plan Details
Deductibles $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Maximum per Injury or Illness Age 70 to 79: $50,000, $100,000, or $250,000

Age 80 or older: $20,000
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
Overall Maximum Limit Age 70 to 79: $50,000, $100,000, or $250,000

Age 80 or older: $20,000
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
Coinsurance We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
Benefit 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
Emergency Room Co-Payment Claims incurred in the U.S.
You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital.  There will be no co-payment for emergency room treatment of an injury.
Claims incurred outside the U.S.
No co-payment
Urgent Care Center Co-Payment Claims incurred in the U.S.
For each visit, you shall be responsible for a $15 co-payment. Co-payment is waived for members with a $0 deductible. Not subject to deductible.
Claims incurred outside the U.S.
No co-payment.
Intensive Care Unit Up to the overall maximum limit.
Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day. Must be ordered in advance by a physician.
Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only.
Emergency Dental (acute onset of pain) Up to $250. Not subject to deductible.
Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurence (plan deductible is waived).
All Other Eligible Medical Expenses Up to the overall maximum limit
Emergency Travel Benefits Limit
Emergency Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition.
Not subject to deductible or overall maximum limit.
Repatriation of Remains Up to the overall maximum limit. Not subject to deductible.
Local Burial or Cremation Up to $5,000 lifetime maximum. Not subject to deductible.
Accidental Death and Dismemberment (AD&D) Excludes loss due to common carrier accident
$250,000 maximum benefit for any one family or group

Members under age 18:
Lifetime maximum: $5,000
Death: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500

Members age 18-69:
Lifetime maximum: $100,000
Death: $100,000
Loss of 2 limbs: $100,000
Loss of 1 limb: $50,000
Members age 70-74:
Lifetime maximum: $12,500
Death: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250

Members age 75 and older:
Lifetime maximum: $6,250
Death: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125
Not subject to deductible or overall maximum limit.
Common Carrier Accidental Death Members under age 18: $25,000
Members age 18-69: $50,000
Members age 70-74: $12,500
Members age 75 and older: $6,250 Subject to a maximum of $250,000 any one family or group.
Not subject to deductible or overall maximum limit.
Crisis Response-Ransom, Personal Belongings, Crisis Response Fees and Expenses, and Natural Disaster Evacuation Up to $100,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation. Not subject to deductible or overall maximum limit.
Emergency Reunion Up to $150,000, subject to a maximum of 15 days. Not subject to deductible.
Bedside Visit Up to $1,500. Not subject to deductible.
Return of Minor Children Up to $50,000. Not subject to deductible.
Pet Return Up to $1,000. Not subject to deductible.
Political Evacuation Up to $150,000 lifetime maximum. Not subject to deductible.
Trip Interruption Up to $15,000. Not subject to deductible.
Lost Checked Luggage Up to $1,000. Not subject to deductible.
Travel Delay Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.
Not subject to deductible.
Natural Disaster Replacement Accommodations Up to $500 a day for 5 days. Not subject to deductible.
Hospital Indemnity $100 per day of inpatient hospitalization. Not subject to deductible.
Personal Liability Up to:
$100,000 lifetime maximum
$100,000 third person injury
$100,000 third person property
$2,500 related third person property
Not subject to deductible or overall maximum limit.
Border Entry Protection Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border. Not subject to deductible.