Atlas insurance Covid - Atlas International insurance coverage for Coronavirus
Atlas International insurance with coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Atlas International health insurance review, Atlas International travel insurance
Eligibility to buy Atlas International Insurance:
Only US Citizens and non-US citizens whose travel does not include the continental USA, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands, except US citizens whose travel includes an Incidental Trip to the USA, and who are at least 14 days of age are eligible for coverage under this plan.
Atlas International insurance Coinsurance:
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Atlas International Insurance plan Underwriter: Underwritten by Lloyds, London.
Plan administrator provides VISA LETTER online in English and Spanish.
Travelers traveling outside their home country and outside of US can buy this plan.
Life time maximum $50,000 and $100,000 for medical expenses (based on the choosen plan maximum) and $25,000 for emergency medical evacuation for acute onset of a pre-existing condition. The insured age should be below 70 years.
Insured between the age 70-79 years can get coverage of $50,000 or $100,000.
Refund of full premium if cancellation of policy is requested before the policy start date. If cancellation request is received after the policy start date, then only unused portion of the plan cost will be refunded after deducting the cancellation charges.
Travel and medical assistance include pre-trip destination information, medical monitoring, provider referrals, travel document replacement, lost luggage assistance, prescription drug replacement, dispatch of physician.
Optional coverage for adventurous sports.
Coverage for pregnancy complications during the first 26 weeks of gestation.
This plan also covers for terrorism, political evacuation, natural disaster benefit and return of minor children.
Acute onset of pain for dental emergency is $100 limit per certificate period.
Renewable plan up to 36 months.
PPO network: Easy to locate doctors and hospitals.
Co-insurance outside of US and Canada - For the certificate period, plan pays 100% of eligible medical expenses.
Co-insurance inside of US and Canada - For the certificate period, plan pays 80% for the first $5000 of eligible medical expenses and then 100% up to policy maximum. Coinsurance is waived if expenses are incurred within the PPO network.
Optional Rider: Extra $50,000 coverage for AD&D at an additional price
This plan has a provision that a child under 10 is covered free with one parent. If both mother and father are buying the plan together then 2 kids under age 10 are covered free. One kid under age 10 per parent is covered free under this plan.
Plan highlights of American Atlas International Insurance
Policy maximum
Age 80+: $10,000; Age 65 to 79: $50,000, $100,000; All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000.
Deductible
$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Eligibility
Non-US Citizens traveling outside their home country.
Benefit Period:
90 days.
Acute onset of pre-existing condition coverage
For under age 70 - Up to the overall maximum limit and age 70 to 79 - Up to the overall maximum limit or $100,000, whichever is lower (excludes chronic and congenital conditions).
Covers $25,000 lifetime maximum for emergency medical evacuation.
General definition of pre-existing condition
"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).
Acute onset of pre-existing condition:
Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
Plan benefits of WorldsTrips Atlas International Insurance, Atlas International plan details
BenefitsCoverage
In-Patient Medical Benefits
Hospital room and boardAverage semi-private room rate, including nursing services.
Intensive care unitUp to the overall maximum limit.
Out-Patient Medical Benefits
Urgent care center co-paymentClaims incurred in the U.S. - Up to $15 co-payment. (co-payment is waived for members with a $0 deductible) Claims incurred outside the U.S. - No co-payment.
Outpatient physical therapy and chiropractic careUp to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).
Emergency Services
Local AmbulanceUsual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Emergency room co-paymentClaims incurred in the U.S. - Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury) Claims incurred outside the U.S. - No co-payment.
Dental
Emergency dental (acute onset of pain)Up to $300 (not subject to deductible or coinsurance).
Travel
Emergency Medical Evacuation$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Repatriation of remainsEqual to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
Return of minor childrenUp to $50,000 (not subject to deductible or coinsurance).
Emergency ReunionUp to $100,000, maximum of 15 days (not subject to deductible or coinsurance).
Emergency Eye Exam for a Covered LossUp to $150. $50 deductible per occurrence (plan deductible is waived).
Natural disasterUp to $250 a day for 5 days (not subject to deductible or coinsurance).
Lost checked luggageUp to $1000 (not subject to deductible or coinsurance).
Trip interruptionUp to $10,000 (not subject to deductible or coinsurance).
Travel delayUp to $100 a day after a 12-hour delay period, maximum of 2 days.
Life
Acute onset of pre-existing condition emergency medical evacuationCovers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).
Acute onset of pre-existing conditionUnder age 70: Covers up to overall maximum limit. Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower. (excludes chronic and congenital conditions)
Accidental death & dismemberment
Members under age 18: Up to $5,000 lifetime maximum.
Members age 18-69: Up to $25,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group. Accidental death & dismemberment buy up: $25,000
Common carrier accidental deathUp to $50,000 for ages 18 through 69 Up to $10,000 under age 18 Up to $25,000 for ages 70 through 74 Up to $12,500 for ages 75 and older Maximum of $250,000 for any one family or group.
Other Benefits
Benefit Period90 days per certificate period.
Political evacuationUp to $10,000 lifetime maximum (not subject to deductible or coinsurance).
TerrorismUp to $50,000 lifetime maximum for eligible medical expenses only.
Hospital indemnity$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Personal liabilityUp to $25,000 lifetime maximum Up to $25,000 third person injury Up to $25,000 third person property Up to $2,500 related third person property Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit)..
Lost or Stolen Passport/Travel VisaUp to $100 – not subject to deductible
Pet returnUp to $1,000 (not subject to deductible or coinsurance).
Bedside visitUp to $1,500 (not subject to deductible or coinsurance).
Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses)Up to $10,000 (not subject to deductible or overall maximum limit).
Border Entry ProtectionUp to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border(not subject to deductible).
Local Burial or CremationUp to the overall maximum limit(not subject to deductible).
