Atlas International Insurance is helpful for those visiting the Schengen Countries. It is a comprehensive benefit plan designed by HCC Medical Insurance Services. The plan administrator provides Schengen Visa Letter Online. Atlas International is available for US and Non US Citizens whose travel destination excludes US. This plan can be extended upto 36 months and offers coverage for acute onset of pre-existing conditions. Atlas International is administered by Tokio marine HCC Medical Insurance Services. It is underwritten by Lloyd’s.
Atlas International travel insurance coverage for Coronavirus
Atlas International insurance with coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Note: Atlas International insurance purchased on or after July 15, 2020 do NOT exclude COVID-19 medical charges.
Does Atlas International Insurance cover covid illness?
TokioMarine HCCMIS Covid19 travel insurance by Atlas International Travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Atlas International Travel insurance satisfies Schengen visa requirements.
Atlas International Insurance satisfies schengen visa requirements
Schengen Visa requires that the insurance plan must offer a maximum coverage of atleast €30,000 and Atlas International Insurance satisfies this requirement by offering the following medical maximums:
Age below 70 years: $50,000, $100,000, $200,000, $500,000 or $1,000,000
Age 70 to 79 years: $50,000.
Schengen Visa requires that the insurance plan must offer a coverage for Repatriation and Atlas International covers repatriation of remains up to the choosen overall maximum benefit
Schengen Visa requires that the insurance plan must offer a coverage for Emergency Medical Evacuation and Atlas International covers emergency medical evacuation up to $500,000 lifetime maximum
Schengen Visa requires that the insurance provider must have a representive office in the schengen countries and HCCMIS has a representative bureau in the schengen countries
After purchasing Schengen Visa travel insurance policy you can obtain the letter as required by the Schengen Consulates. Click on the button to obtain the letter.List of Nationalities who need Schengen Visa SCHENGEN VISA LETTER
The Plan offers coverage for extreme adventure sports activities at no additional costs
No Coinsurance if treated within the provider network.
A child under 10 years is covered free with one parent. If both mother and father are buying the plan together then 2 kids under 10 years age are covered for free. One child under 10 years/parent is covered free under this plan
DISADVANTAGES
Disadvantages of Atlas International
Accidental death and dismemberment benefit is excluded during participation in sports activities .
For complications in pregnancy, the plan covers first 26 weeks of gestation only
Plan is not available to applicant who are physically located in the state of New York at time of purchase.
Atlas International travel insurance coverage for Coronavirus (Covid 19)
For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by Atlas International policies. However, if your Atlas International policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy.
I have a short-term Atlas International travel medical insurance plan and I have departed my Home Country/Country of Residence – am I covered if I contract COVID-19?
Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.
I have purchased a short-term Atlas International travel medical insurance plan and I have not departed my Home Country/Country of Residence – am I covered if I contract COVID-19?
There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.
I have not purchased a short-term Atlas International travel medical insurance plan, but I am thinking about purchasing – will I be covered for COVID-19?
There is coverage* as long as you depart your Home Country/Country of Residence and enter the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.
Disclaimer:*This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.
Only US Citizens and non-US citizens whose travel does not include the continental USA, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands, except US citizens whose travel includes an Incidental Trip to the USA, and who are at least 14 days of age are eligible for coverage under this plan.
Atlas International insurance policy maximum
Age 80+: $10,000.
Age 70 to 79: $50,000, $100,000 or $150,000.
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Atlas International insurance deductible
$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.
Atlas International insurance coinsurance
We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Atlas International insurance coverage of a 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.
(excludes chronic and congenital conditions)
Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation
Covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).
Hospital room and boardAverage semi-private room rate, including nursing services.
Intensive care unitUp to the overall maximum limit.
Emergency room co-paymentClaims 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.
Urgent care center co-paymentClaims 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.
Local AmbulanceUsual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Benefit Period90 days per certificate period.
Emergency Medical Evacuation$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Repatriation of remainsEqual to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
Return of minor childrenUp to $50,000 (not subject to deductible or coinsurance).
Emergency ReunionUp to $100,000, maximum of 15 days (not subject to deductible or coinsurance).
Acute onset of pre-existing condition emergency medical evacuationCovers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).
Acute onset of pre-existing conditionUnder age 70: Covers up to overall maximum limit. Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
Emergency dental (acute onset of pain)Up to $300 (not subject to deductible or coinsurance).
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 deathUp 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.
Emergency Eye Exam for a Covered LossUp to $150. $50 deductible per occurrence (plan deductible is waived).
Lost checked luggageUp to $1000 (not subject to deductible or coinsurance).
Trip interruptionUp to $10,000 (not subject to deductible or coinsurance).
Travel delayUp to $100 a day after a 12-hour delay period, maximum of 2 days.
Natural disasterUp to $250 a day for 5 days (not subject to deductible or coinsurance).
Political evacuationUp to $10,000 lifetime maximum (not subject to deductible or coinsurance).
TerrorismUp to $50,000 lifetime maximum for eligible medical expenses only.
Hospital indemnity$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Personal liabilityUp 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)..
Lost or Stolen Passport/Travel VisaUp to $100 – not subject to deductible
Outpatient physical therapy and chiropractic careUp to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).
Pet returnUp to $1,000 (not subject to deductible or coinsurance).
Bedside visitUp 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).
Border Entry ProtectionUp 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 CremationUp to the overall maximum limit(not subject to deductible).
Tokio Marine HCCMIS resourceful travel insurance links
EuropeSchengenVisainsurance.com is developed and maintained by Crossborder Services LLC. Crossborder Services LLC is incorporated in New Jersey, USA and works with the prominent insurance providers who offer Europe Travel medical insurance with a focus on international travelers visiting Europe.
Contact us
Crossborder Services LLC, Five Greentree Center, Suite 104, Route 73, Marlton, NJ 08053
