Atlas International Travel Medical Insurance

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The industry-leading Atlas Travel Series includes many benefits, services and features making it a leading option for individuals and families who travel internationally. Coverage for Emergency Medical Evacuations, Acts of Terrorism, Complications of Pregnancy, and many more are included with every Atlas Travel Series Policy. Also, this innovative product allows you the choice of deductible and maximum coverage limit so that you may tailor the policy to your needs. Additionally, state-of-the-art travel and emergency medical assistance services are part of every Atlas Travel Series plan. These features are accompanied by the same astonishing service you have come to expect from Tokio Marine HCC – MIS Group, a leader in international travel medical insurance.

Key Benefits of Atlas Travel Insurance

Covered BenefitsIncluded with Atlas Travel insurance
Guaranteed AcceptanceYes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.
Coverage for pre-existing conditionsPartially: Up to policy maximum lifetime life for the eligible medical expense for the acute onset of a pre-existing condition. See the Description of Coverage for more details.
100% coverage for accidents and injuries outside the U.S.Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details.
100% coverage for accidents and injuries within the U.SYes: For eligible expenses within the PPO Network. See the Description of Coverage for more details
Sports coverage at no additional chargeYes: Coverage for eligible injuries or illnesses related to sports activities,. See the Description of Coverage for limitations.
Emergency medical evacuations available 24/7Yes, $1,000,000 in coverage regardless of policy maximum
Complete online enrollment capabilities & immediate fulfillmentYes: Selecting "Yes" to online fulfillment when purchasing will ensure your policy information will be available to print once your application has been processed and your credit card approved.

Do I need travel medical insurance?

Many times the primary medical insurance in your home country will not cover you while traveling abroad and often will not provide important services, perhaps essential ones, in the event of an illness or injury. Atlas Travel includes these essentials such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.

24/7 customer service is provided for all Atlas Travel insurance members. Several different kinds of travel assistance services like emergency travel arrangements is offered. In the event of medical emergencies, political evacuations, and natural disasters, assistance will be providing in making emergency travel arrangements.

Atlas Plan Benefits

DeductiblesYou choose $0, $100, $250, $500, $1,000, $2,500 or $5,000 per Certificate Period
Coinsurance – Claims incurred in U.S. or Canada100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit
Coinsurance – Claims incurred outside US or Canada100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit
Hospital Room and BoardCovered
Local AmbulanceCovered
Emergency Room Co-PaymentInside the US - $200 for each use of emergency room for an illness, unless you are admitted to the hospital.
Urgent Care Center Co-PaymentInside the US - $15, not subject to deductible and waived with a $0 Deductible.
Hospital Indemnity$100 per day
Intensive Care UnitCovered
Outpatient TreatmentCovered
Acute Onset of Pre-existing ConditionUp to the overall maximum limit or $100,000, whichever is lower.
$25,000 Lifetime Limit for Emergency Medical Evacuation
Physical Therapy$50 Maximum per visit. Coinsurance waived for outpatient treatment.
All Other Eligible Medical ExpensesUsual, Reasonable and Customary charges
Emergency DentalAcute Onset of Pain - $300 limit per Certificate Period (not subject to Deductible or Coinsurance)
Accident - Overall Maximum Limit
Emergency Medical Evacuation$1,000,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance)
Emergency Reunion$100,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Return of Minor Children$50,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Political Evacuation$100,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance)
Terrorism$50,000 Maximum Lifetime Limit, Eligible Medical Expenses only
Accidental Death and Dismemberment (Not subject to deductible or coinsurance. Excludes loss due to Common Carrier Accident.)Members age 18 to 69:
Lifetime Maximum – $25,000
Death – $25,000
Loss of 2 Limbs – $25,000
Loss of 1 Limb – $12,500
Members under age 18:
Lifetime Maximum – $5,000
Death – $5,000
Loss of 2 Limbs – $5,000
Loss of 1 Limb – $2,500
Members age 70 to 74:
Lifetime Maximum – $12,500
Death – $12,500
Loss of 2 Limbs – $12,500
Loss of 1 Limb – $6,250
Members age 75 and older
Lifetime Maximum – $6,250
Death – $6,250
Loss of 2 Limbs – $6,250
Loss of 1 Limb - $3,125
Common Carrier Accidental DeathMembers age 18 - 69: $50,000 per Member
Members under age 18: $10,000 per Member
(Not subject to Deductible or Coinsurance. Subject to a Maximum of $250,000 for any one family.)
Repatriation of RemainsEqual to the elected overall maximum limit - not subject to deductible or coinsurance
This limit is for this benefit only and is not included in or subject to the overall maximum limit.
Natural Disaster BenefitMaximum $250 a day for 5 days (not subject to Deductible or Coinsurance)
Trip Interruption$10,000 limit per Certificate Period
Lost Checked Luggage$1000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Lost Passport$100 (not subject to deductible)
Hospital Pre-certification Penalty50% of Eligible Medical Expenses
Maximum per Injury / IllnessAge 80 or older: $10,000 (only available for Atlas International)
Age 70 to 79: $50,000, $100,000 or $150,000
All others: $50,000, $100,000, $250,000, $500,000 or $1,000,000
Overall Maximum Limit per Certificate PeriodAge 80 or older: $10,000 (Atlas International only)
Age 70 to 79: $50,000, $100,000 or $150,000
All others: $50,000, $100,000, $250,000, $500,000 or $1,000,000

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Top 10 Reasons Why You Should Buy Atlas Travel Insurance

1. Global Coverage: Unlike many domestic plans with limited international coverage (or no coverage in some cases), travel medical insurance provides insurance coverage while receiving medical care in a foreign country. This can reduce or even eliminate the need for you to pay large medical bills out-of-pocket while on holiday vacation overseas. Whether it’s a cut that needs stitches or a tooth that aches, medical emergencies know no geographical boundaries.

2. Emergency Evacuation: If an unfortunate situation were to occur in which you face a potential loss of life or limb because you become seriously injured or fall ill and there was not adequate medical care within your proximity, Atlas Travel insurance would provide coverage for emergency medical evacuations.

3. Emergency Reunion: If you have experienced an emergency medical evacuation Atlas Travel insurance will provide coverage to bring an immediate family member to you so they may stay with you and/or assist you during your travel back home.

4. Return of Minors: No one really wants to picture a disaster striking their family while on vacation. However, if it did and you were hospitalized, an Atlas Travel medical insurance plan may provide coverage to return your covered minor child or children back to your home country.

5. Adventure Sports: For some, going on a cruise or to an island destination is a dream come true and possibly a once-in-a-lifetime opportunity and experience. As with most travel destinations, there are loads of activities you can choose from while you are on a fantasy holiday vacation overseas. Before you sign up for that zip-lining or scuba-diving excursion, take a look at your insurance policy. Many people do not realize that these activities are typically excluded from travel medical insurance policies. With Atlas International and Atlas America insurance, sports and adventure activities are covered at no additional cost for eligible injuries and illnesses.

6. Accidental Death & Dismemberment: Provides coverage in the unlikely event of an accidental death or loss of limb. Benefits are provided in a lump sum and are not subject to deductible or policy limits.

7. Return of Remains: Atlas Travel insurance comes with a repatriation of remains benefit to help return a deceased member’s mortal remains to their home country.

8. Worldwide Access: With the use of the Internet, you can look up your travel medical insurance policy information, file a claim, get answers to questions and even reprint your ID card using our online account management tool, Client Zone. If you prefer to speak to someone in person, our World Service Center is available 24 hours a day, 7 days a week.

9. Natural Disaster & Terrorism: When disaster strikes, whether by Mother Nature or man, it’s important to know you are covered while you are outside your home country. Atlas Travel insurance plan provides coverage for certain natural disasters and acts of terrorism situations as part of its standard benefit offering.

10. Travel and Medical Assistance Services²: Travel problems can happen that are medically related. Having a helping hand on call free of charge only makes it that much more important to have a travel medical insurance plan! From trip cancellations or delays to lost luggage or travel documents, our full set of travel assistance services are included with every international plan we offer.


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Tokio Marine HCC – Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC – MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by Tokio Marine HCC – International Group.