Atlas Series Insurance

Atlas Series Insurance

Travel Medical Insurance for International Trips

The Atlas Series is travel medical insurance designed to cover individuals and groups as they travel outside their home country. We offer four different products—Atlas Travel®, Atlas Premium, Atlas MultiTrip™, and Atlas Group®—so you can choose the coverage that best fits your client’s needs and budget.

  • Atlas Travel – This is the most popular plan of the Atlas Series. It provides coverage for individuals and small groups (2-4 people) taking a single trip abroad.

  • Atlas Premium – This plan is designed for individuals and small groups seeking the highest possible coverage limits for a single trip abroad. It has a higher premium than Atlas Travel, so it may be ideal for shorter trips.

  • Atlas MultiTrip – This plan provides coverage for multiple trips abroad. Your clients can pay once and get 364 days of coverage for international trips of up to 30 or 45 days each.

  • Atlas Group – This plan for groups of 5 or more offers the same benefits as Atlas Travel at a 10% discount. It may be ideal for your client’s student group, mission group, or large family.

Why Do Travelers Need Travel Medical Insurance?

There are three key reasons why your clients may need travel medical insurance for their trip abroad:

  1. No matter the destination they choose or the activities they plan, there’s a chance they could encounter a travel mishap, accident, or illness. Overseas trips can expose travelers to unfamiliar environments, foreign foods, and bacteria which may increase their risk of falling ill or becoming injured.

  2. Their domestic health plan may not cover them outside their home country. This means they may be required to pay for medical expenses out of pocket with zero reimbursement.

  3. They may need a visa for their destination country that requires proof of travel medical insurance or proof of subsistence. One such visa is the Schengen visa for travelers to Europe.

Market Size

Worldwide international tourist arrivals increased 6% to 1.4 billion in 2018, according to estimates from the World Tourism Organization (UNWTO).

The most recent data from the National Travel and Tourism Office reveals that 76.9 million international travelers visited the U.S. in 2017 alone.

Who Can Purchase Atlas Series Insurance?

Applicants are eligible for Atlas insurance coverage if they are traveling outside of their home country. Applicants must purchase coverage for at least 5 days, though they are not required to travel all 5 days.  Babies must be at least 14 days old to qualify for coverage. There is no maximum age limit for Atlas Travel, Atlas Premium, or Atlas Group.

The Atlas Series is not available to individuals who are physically located in Canada, Australia, or the states of New York, Maryland, or Washington at the time of purchase. Applicants are permitted to use a mailing address for these locations as long as they are not physically located there when they apply for coverage.

Additional qualifications vary by plan:

  • Atlas MultiTrip – Applicants must be under age 76 and maintain medical insurance that covers them while they are in their home country. Your client’s spouse and children are also eligible for coverage as long as they meet these same requirements.

  • Atlas Group – Applicants must be traveling as part of a group of 5 or more. All group members must select the same primary destination, though they do not need to have the same travel dates.

IMPORTANT NOTE: Due to U.S. government regulations, we are unable to sell policies in countries restricted by U.S. economic sanctions and embargo programs and/or other applicable trade sanction laws.

Atlas Series Benefits

All plans in the Atlas Series include medical benefits, coverages in case of unexpected death, supplemental travel assistance benefits, and multilingual travel assistance services.

Read on to see additional Atlas Series highlights and learn about the benefits and coverage amounts specific to each plan. You’ll also discover who each product is designed for and how to determine which plan is best suited to your client’s unique needs and budget.

Atlas Series Highlights:

  • Up to $2 million in coverage
  • Deductible options between $0 and $5,000
  • Immediate fulfillment
  • Ability to extend or renew
  • International provider search engine
  • Travel assistance services
  • Easy cancellation

Product Focus – Atlas Travel

Atlas Travel is budget-friendly travel medical insurance for travelers taking a single trip abroad.

Who Is Atlas Travel Designed for?

  • Tourists and vacationers
  • Digital nomads
  • Backpackers, eco-tourists, and other adventure travelers
  • Travelers visiting family abroad

Atlas Travel May Be Ideal for Your Client If:

  • They are taking a single international trip of 364 or fewer days
  • They are traveling alone or as part of a duo or small group (3-4 people)
  • They are seeking quality coverage at a competitive price

Plan Highlights Include:

  • Maximum Coverage: Up to $2,000,000
  • Emergency Medical Evacuation: Up to $1,000,000
  • AD&D: Up to $25,000 (maximum coverage depends on age)
  • Personal Liability: Up to $25,000 (increase to $100,000 with optional buy-up)
  • Emergency Dental – Acute Onset of Pain: Up to $300
  • Trip Interruption: Up to $10,000
  • Lost Checked Luggage: Up to $1,000
  • Political Evacuation: Up to $100,000
  • Crisis Response: Up to $10,000 (increase to $100,000 with optional buy-up)

See the Atlas Travel Description of Coverage for additional details, benefits, and exclusions.

Product Focus – Atlas Premium

Atlas Premium is elite travel medical insurance for your clients seeking higher coverage limits.

Who Is Atlas Premium Designed for?

  • Parents looking for premium family coverage
  • Adventure travelers and vacationers interested in emergency medical benefits and supplemental travel benefits in the highest coverage amounts
  • The business and travel elite seeking additional coverage

Atlas Premium May Be Ideal for Your Client If:

  • They are taking a single international trip of 364 or fewer days
  • They are traveling alone or as part of a duo or small group (3-4 people)
  • They are willing to pay a higher premium for higher coverage limits

Plan Highlights Include:

  • Maximum Coverage: Up to $2,000,000
  • Emergency Medical Evacuation: Up to $1,000,000
  • AD&D: Up to $100,000 (maximum coverage depends on age)
  • Personal Liability: Up to $100,000
  • Emergency Dental – Acute Onset of Pain: Up to $300
  • Trip Interruption: Up to $15,000
  • Lost Checked Luggage: Up to $2,000
  • Political Evacuation: Up to $150,000
  • Crisis Response: Up to $100,000

Product Focus – Atlas Group

Atlas Group is budget-friendly travel medical insurance that provides a 10% discount to your clients who are traveling as part of a group.

Who Is Atlas Group Designed for?

  • Large families
  • Friend groups
  • Student groups
  • Mission groups

Atlas Group May Be Ideal for Your Client If:

  • They are traveling abroad for 364 or fewer days
  • They are traveling as part of a group of 5 or more

Plan Highlights Include:

(Below are per-person limits.)

  • Maximum Coverage: Up to $2,000,000
  • Emergency Medical Evacuation: Up to $1,000,000
  • Personal Liability: Up to $25,000
  • Trip Interruption: Up to $10,000
  • Political Evacuation: Up to $100,000
  • Terrorism: Up to $50,000
  • Natural Disaster – Replacement Accommodations: Up to $250/day up to 5 days
  • Crisis Response: Up to $10,000

See the Atlas Group Description of Coverage for additional details, benefits, and exclusions.

Product Focus – Atlas MultiTrip

Atlas MultiTrip is travel medical insurance that allows your clients who take frequent trips abroad to make a convenient, one-time payment that covers 364 days.

Who Is Atlas MultiTrip Designed for?

  • Frequent global travelers
  • Sales professionals
  • Business executives
  • Production and quality control managers

Atlas MultiTrip May Be Ideal for Your Client If:

  • They plan to take multiple international trips in a one-year period
  • Each international trip will be no more than 30 or 45 days (whichever they choose)
  • They would rather pay once and get 364 days of coverage than purchase separate policies for each trip abroad

Plan Highlights Include:

  • Maximum Coverage: $1,000,000
  • Emergency Medical Evacuation: Up to $1,000,000
  • Emergency Dental (Acute Onset of Pain): Up to $300
  • Personal Liability: Up to $25,000
  • Political Evacuation: Up to $100,000
  • Trip Interruption: Up to $10,000
  • Lost Checked Luggage: Up to $1,000
  • Crisis Response: Up to $10,000

See the Atlas MultiTrip Description of Coverage for additional details, benefits, and exclusions.

What Expenses Are Excluded?

Here are some of our more asked-about exclusions:

  • Pre-existing conditions*
  • Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
  • Routine pre-natal, pregnancy, child birth, and post-natal care
  • Medical expenses for injury or illness resulting from participation in some sports
  • Medical expenses related to any form of cancer or neoplasm
  • Mental health disorders
  • Injury due in whole or in part to the effects of intoxication or drugs (this does not refer to drugs taken in accordance with treatment prescribed by a physician)

For a full list of exclusions, be sure to read through the Description of Coverage for each plan.

*A pre-existing condition is any condition:

  • for which medical advice, diagnosis, care, or treatment was recommended or received within a defined period of time prior to your effective date of coverage (this specified period of time varies from plan to plan and typically ranges from 60 days to 2 years)
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within the defined period of time prior to your effective date of coverage
  • that existed (with reasonable medical certainty) prior to your effective date of coverage, whether or not it was known to you

Why Should I Recommend the Atlas Series?

  • Budget-Friendly Options. Atlas policies start at just a dollar a day.

  • Flexibility. You can tailor your client's plan to fit their needs. Choose their deductible, length of coverage, and overall coverage maximum. Atlas Travel also has the option of benefit limit increases for AD&D, Personal Liability, and Crisis Response.

  • Financial Help for Unforeseen Medical Expenses. Members will be covered for eligible hospitalizations, emergency medical evacuation, accidental death and dismemberment, and more.

  • Convenience. Applicants can easily get quotes and immediately buy online. They can also purchase coverage while traveling, extend their coverage after purchase, or cancel their policy if their plans change.

  • Immediate Fulfillment. Applicants will receive their policy documents and visa letters immediately after purchase.

  • International Provider Search Engine. Members can find qualified medical providers worldwide.

  • Client Zone. This portal allows members to easily manage their policy, extend or renew their coverage, reprint ID cards, download forms, make payments, and submit claims.

  • Multilingual Travel Assistance. Members can get help with provider referrals, translations, replacement of vital travel documents, and more 365 days a year.

Explore the Atlas Series Brochures to Learn More

You’ll find a thorough plan description, a table of benefits, benefit explanations, and enrollment and claims information in each product brochure:

See Monthly and Daily Atlas Rates

You’ll find monthly and daily premium tables on each Atlas application form:

Rates are subject to change, so be sure you’re viewing current rates.

You’ll find the effective date for the rates listed in the bottom left-hand corner of the premium table pages.

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