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Atlas Premium Insurance High End Comprehensive Plan - In PPO 100% coverage

Atlas Premium Insurance

For the travel elite, Atlas Premium travel insurance provides exceptional, quality coverage as you travel abroad.

Perfect for:

  • Individuals with health concerns
  • Total care for long-term travelers
  • Travelers interested in an elite package, with higher coverage limits.
  • Travelers looking for $2M Policy max and $250,000 AD&D

Why do I need travel medical insurance?

International travel can represent financial risk. The benefits of many standard medical insurance policies do not apply beyond the borders of your home country. A travel medical insurance plan can be the difference between a trip ruined by unexpected illness or injury, versus a trip with access to quality care and financial help if the unexpected strikes. Compare all Atlas Travel medical insurance plans.

Benefits1 Details
Deductibles $0, $100, $250, $500, $1,000 or $2,500 per certificate period
Maximum Coverage per Injury or Illness

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

Age 80 or older: $20,000

All others: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000
Maximum Coverage per Certificate Period

(Excludes Emergency Medical Evacuation, Accidental Death & Dismemberment, Common Carrier Accidental Death, Personal Liability and Crisis Response)

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

Age 80 or older: $20,000

All others: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000

Coinsurance – Claims Incurred in U.S. or Canada For the certificate period, underwriters will pay 90% of next $5,000 of eligible expenses after the deductible, then 100% to maximum coverage limit
Coinsurance – Claims Incurred Outside U.S. or Canada For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the maximum coverage limit
Hospital Room and Board Average semi-private room rate, including nursing services
Local Ambulance Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient
Emergency Room Co-Payment—Claims incurred in U.S. or Canada Member is responsible for $200 co-payment for each use of the emergency room for an illness, unless admitted to the hospital. No co-payment for emergency room treatment of an injury.
Intensive Care Unit Usual, reasonable, and customary charges
Physical Therapy $50 maximum per day
Urgent Care Center—Claims incurred in U.S. or Canada

(Not subject to deductible)

Member responsible for $50 co-payment/visit, after which coinsurance will apply.

Terrorism $50,000 maximum lifetime limit, eligible medical expenses only
All Other Eligible Medical Expenses Usual, reasonable, and customary charges
Benefits2 Details
Emergency Medical Evacuation $1,000,000 lifetime maximum
Repatriation of Remains Overall maximum limit
Local Burial or Cremation $5,000 lifetime maximum
Common Carrier Accidental Death

(Per member; subject to a maximum of $250,000 any one family or group)

Members under age 18: $25,000

Members age 18—69: $50,000

Members age 70—74: $12,500

Members age 75 and older: $6,250

Emergency Reunion $50,000 per certificate period, subject to a maximum of 15 days
Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses $100,000 maximum per certificate period
Bedside Visit $1,500 per certificate period
Return of Minor Children $50,000 per certificate period
Pet Return $1,000 per certificate period
Political Evacuation $25,000 lifetime maximum
Trip Interruption $10,000 per certificate period
Lost Checked Luggage $1,000 per certificate period
Travel Delay Maximum $200/day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.
Emergency Dental (acute onset of pain) $250 per certificate period
Natural Disaster Maximum $250/day for 5 days
Hospital Indemnity $100 per day of inpatient hospitalization
Personal Liability $100,000 lifetime maximum