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Atlas Group® Insurance For a group of 5 or more individuals

Atlas Group® Insurance

Atlas Group® Insurance is designed to meet the needs of groups of five or more individuals traveling outside their home country for short durations. Atlas Group® Insurance is available at discounted rates to both U.S. and non-U.S. citizens.

Atlas Group® Insurance includes the same benefits and services of our popular Atlas Travel health insurance plan at a 10% discount for groups or families of five or more. These features make the Atlas Group® travel health insurance plan a leading option for student groups, missionary organizations, and corporations who travel worldwide. By combining important medical benefits with key travel-related services, our group travel insurance plan offers you valuable financial protection and travel assistance for your group’s trip abroad.

Atlas Travel® quality benefits Acute Onset of Pre-Existing Conditions
Atlas Travel provides a limited benefit up to the medical coverage maximum lifetime for eligible medical expenses.If you are younger than 70 , you may be covered for an acute onset of a preexisting condition. This also includes a $25,000 lifetime maximum for emergency medical evacuation.An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence Chronic and congenital conditions are excluded from coverage.

Overall Maximum Limit
(Excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, Personal Liability, and Crisis Response)
Age 80 or older $10,000.
Age 70 to 79: $50,000, $100,000.
All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000
Maximum per Injury / Illness Age 80 or older $10,000.
Age 70 to 79: $50,000, $100,000.
All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000
Coinsurance - Claims incurred in U.S. or Canada We will pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit. Coinsurance will be waived if expenses are incurred within the Preferred Provider Organization and expenses are submitted to us for review and payment directly to the provider
Coinsurance - Claims incurred outside U.S. or Canada We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Subject to deductible, coinsurance, and per certificate period unless specifically indicated otherwise
Hospital Room and Board Average semi-private room rate, including nursing services.
Intensive Care Unit Usual,reasonable and customary charges
Local Ambulance Usual,reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.
Emergency Room Co-payment U.S or Canada You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital.There will be no co-payment for emergency room treatment of an injury.
Urgent care center-claims incurred in U.S or Canada Urgent Care Center For each visit, the member is responsible for a $50 copayment, after which coinsurance will apply. Not subject to deductible. Co-payment waived if $0 deductible elected.
Acute Onset of Pre-existing Condition(excludes chronic and congenital conditions)(only available to members under age 70) Overall Maximum limit $25,000 lifetime maximum for Emergency Medical Evacuation
Terrorism $50,000 lifetime maximum, eligible medical expenses only.
Physical Therapy $50 maximum per day
All Other Eligible Medical Expenses Usual, reasonable and customary charges
Not Subject to Deductible or Coinsurance
Emergency Medical Evacuation $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition
Repatriation of Remains Overall maximum limit
Local Burial or Cremation $5,000 lifetime maximum
Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses $10,000
Optional Crisis Response Rider $90,000.
Emergency Reunion $50,000, subject to a maximum of 15 day
Bedside Visit $1,500
Return of Minor Children $50,000
Pet Return $1,000
Political Evacuation $10,000 lifetime maximum
Trip Interruption $5,000
Accidental Death & Dismemberment (excludes loss due to Common Carrier Accident)
Ages 18 through 69 Lifetime Maximum - $50,000 Death - $50,000 Loss of 2 Limbs - $50,000 Loss of 1 Limb - $25,000
Under age 18 Lifetime Maximum - $5,000 Death - $5,000 Loss of 2 Limbs - $5,000 Loss of 1 Limb - $25,00
Ages 70 through 74 Lifetime max. - $12,500; Death - $$12,500; Loss of 2 limbs - $12,500; Loss of 1 limb - $6,250
Ages 75 and older Lifetime max. - $6,250; Death - $6,250; Loss of 2 limbs -$6,250 Loss of 1 limb - $3,125
Optional Accidental Death & Dismemberment Rider (only available to members age 18 through age 69 Lifetime max. - $50,000; Death - $50,000; Loss of 2 limbs - $50,000; Loss of 1 limb - $25,000
Common carrier accidental Death

Ages 18 through 69
Under age 18
Ages 70 through 74
Ages 75 and older

Subject to a maximum of $250,000 any one family or group.
Lost Checked Luggage $50
Travel Delay Maximum $100 a 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
Natural Disaster Maximum $100 a day for 5 days
Hospital Indemnity $100 per day of inpatient hospitalization
Personal Liability $10,000 lifetime maximum
$10,000 third person injury
$10,000 third person property
$2,500 related third person property
Optional Personal Liability Rider $90,000 lifetime maximum