Atlas International travel Insurance 2014 PRICE, Atlas International Schengen visa Travel Insurance.

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Atlas International Travel Insurance For Coverage Outside USA

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.

Plan benefits of WorldsTrips Atlas International Insurance

In-Patient Medical Benefits

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)..

Out-Patient Medical Benefits

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 Services

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.

Dental

Emergency dental (acute onset of pain up to 72 hours)^?	Up to $300 (not subject to deductible or coinsurance).

Evacuation

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.

Life

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**

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.

Trip Protection

Terrorism^?	Up to $50,000 lifetime maximum for eligible medical expenses only.

Other Benefits

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 - Acute onset of pre-existing condition coverage

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 Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
You must be under eighty (80) years of age;
You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
You must be traveling outside your home country

Travel Insurance for travelers with Pre-Existing Conditions

Here are some tips for buying pre-existing conditions travel insurance:

Choose a travel health insurance with pre-existing conditions coverage.
Review the policy carefully to understand what is covered and what is not.
Be aware of any waiting period for coverage of pre-existing conditions.
Consider buying a visitors travel insurance policy with higher coverage limits.
Keep a copy of your medical records and list of medications with you when traveling.
Ensure that you carry your medical prescription and medicines during your trip.
Be well informed about accessing emergency medical care in your destination.
Contact your visitors insurance provider immediately in case of any medical emergency.
Disclose all pre-existing conditions when buying visitors health insurance.
Follow all necessary procedures to file a claim for reimbursement of medical expenses.

Why is travel health insurance for pre-existing conditions coverage important?

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.

Pre-existing conditions coverage - FAQ's

What does "acute onset of pre-existing conditions" mean?

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.

Do WorldTrips travel insurance plans really cover pre-existing conditions?

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.

What is the difference between Full Pre-Existing & Acute Onset Insurance?

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.

How do I know if my pre-existing condition is covered by travel insurance?

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

Chronic condition or congenital condition
Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence
Traveler must not be traveling against the recommendations of established treatment programs, or medical advice of a physician or other healthcare provider
You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition

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