Plan Administrator: WorldTrips | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility: U.S. Citizens and Non-U.S. Citizens who are at least 14 days to 99 yrs of age are eligible for people visiting outside their home country and excluding USA.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: Policy can be renewed up to maximum of 364 days, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: No Coverage Available.
  • Co-Insurance: After deductible is paid by insured, plan pays 75% up to policy maximum.
  • PPO Network: Provides Equian International PPO Network.
  • ID Card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Age 80 or older $10,000.

Age 70 to 79: $50,000, $100,000, or $250,000.

All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000

Doctor Visit Up to Policy Max
Urgent Care

Claims incurred in U.S.

For each visit, you shall be responsible for a $15 co-payment, after

which coinsurance will apply.

– Co-payment is waived for members with a $0 deductible.

– not subject to deductible

Claims incurred outside the U.S.

No co-payment

Hospital Room and Board Average semi-private room rate, including nursing services.
Ambulance Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient. Upto overall maximum limit
Prescription Up to Policy Max.

Complete details are given in certificate of insurance.

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This insurance policy excludes coverage for pre-existing conditions. 

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  • Pre-existing Conditions.
  • Outpatient physical therapy.
  • Outpatient prescription drugs.
  • Impotency or sexual dysfunction
  • Birth defects and congenital illnesses.  Birth defects are deemed to include hereditary conditions.
  • Mental health disorders.
  • Self-inflicted injury or illness.
  • Pregnancy except as covered under Complications of Pregnancy, as herein defined, termination of pregnancy except in connection with covered Complications of Pregnancy, all charges related to pregnancy after the 26th week of pregnancy, routine prenatal care, child birth, postnatal care, and charges incurred by a child under the age of 14 days.
  • All sexually transmitted diseases and conditions.
  • HIV, AIDS, or ARC, and all diseases caused by and/or related to HIV.

Complete details are given in certificate of insurance.

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PPO Network

You may review a listing of hospitals, physicians and other medical service providers included in the PPO Network for the area where you will be receiving treatment by accessing the Internet website for Tokio Marine HCC - MIS Group: For assistance locating a provider, contact us at 1-800-605-2282.

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Premiums will be refunded in full if cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions:

a. A $25 cancellation fee will apply for administrative costs incurred by us; and

b. Only the unused portion of the plan cost will be refunded; and

c. You cannot have filed any claims to be eligible for a premium refund.

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This insurance policy has in it a Claims Procedure which tells you what steps you must take to file a claim, and explains our obligations to you. Beginning on the last day of your certificate period, you shall have 60 days to provide us proof of claim. 

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Extend or Renew My Atlas Travel Insurance Coverage

Extension Fee: $5/Extension

After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible, nor will benefit limits be reset.

If your travel does not include the United States and you are not a U.S. Citizen, you may extend your coverage up to a maximum of 365 days. After 365 days of continuous coverage you may renew your policy for two additional 365-day coverage periods. Deductible must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your Deductible and Pre-existing Condition provisions.

Extensions or renewals must be made online in the Client Zone with payment by credit card.

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