Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Atlas International is a visitor travel medical insurance plan for coverage outside the USA. It is one of the few visitor insurance plans that waives co-insurance within the PPO network. Atlas International insurance schengen visa review is an ideal travel medical insurance for visiting Schengen countries and satisfies Schengen visa requirements. Atlas International Insurance also works for US citizens traveling outside USA. This travel insurance is to take the risk out of international travel and includes coverage for Acts of Terrorism, complications of pregnancy and incidental trips home. It also provides acute onset of pre-existing conditions up to the age of 79 years in the event of life threatening conditions.
|Hospital room and board?||Average semi-private room rate, including nursing services.|
|Intensive care unit?||Up to the overall maximum limit.|
|Hospital indemnity?||$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).|
|Personal liability||Up 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)..
|Urgent care center co-payment||Claims 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 care||Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).|
|Emergency 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. - 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.
|Emergency dental (acute onset of pain up to 72 hours)?||Up to $300 (not subject to deductible or coinsurance).|
|Emergency medical evacuation?||$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.|
|Repatriation of remains||Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.|
|Return of minor children?||Up to $50,000 (not subject to deductible or coinsurance).|
|Emergency Reunion?||Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance).|
|Emergency Eye Exam for a Covered Loss?||Up to $150. $50 deductible per occurrence (plan deductible is waived).|
|Natural disaster?||Up to $250 a day for 5 days (not subject to deductible or coinsurance).|
|Lost checked luggage||Up to $1000 (not subject to deductible or coinsurance).|
|Trip interruption?||Up to $10,000 (not subject to deductible or coinsurance).|
|Travel delay||Up to $100 a day after a 12-hour delay period, maximum of 2 days.|
|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 death?||Up 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.
|Acute Onset of Pre-Existing Conditions**?||Covers up to $25,000 lifetime maximum|
|Acute onset of pre-existing condition||Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
|Terrorism?||Up to $50,000 lifetime maximum for eligible medical expenses only.|
|Political evacuation?||Up to $10,000 lifetime maximum (not subject to deductible or coinsurance).|
|Benefit Period||90 days per certificate period.|
|Lost or Stolen Passport/Travel Visa?||Up to $100 – not subject to deductible|
|Pet return?||Up to $1,000 (not subject to deductible or coinsurance).|
|Bedside visit?||Up 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).|
|Optional Crisis Response Rider with Natural Disaster Evacuation||Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - 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).|
|Local Burial or Cremation||Up to $5,000 lifetime maximum.|
Atlas International visitors insurance pre existing conditions coverage includes coverage for acute onset of pre-existing conditions up to the age of 79 years in the event of life threatening conditions. Travelers can get free Atlas International Quotes by filling the above form.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 a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
Here are some tips for buying pre-existing conditions travel insurance:
Atlas America insurance and Atlas premium insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.
At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.
The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).
A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.
Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.
Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
WorldTrips’s Atlas America and Atlas premium insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.
These Acute on set of pre-existing condition excludes the following conditions