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Atlas MultiTrip Insurance Annual plan for multiple trips of up to 30 or 45 days

Who Would Benefit From an Atlas MultiTrip Plan?


Business Executives : In a globally connected world, international travel is no longer an activity reserved for the Fortune 100. Instead, companies of all sizes and industries are expanding beyond not just their state, but beyond their country. With this worldwide commerce comes the increasing need for affordable international travel medical insurance for business executives. Atlas MultiTrip is a solution.

Sales Professionals : Successful sales teams find themselves not only traveling overseas for business, but also for pleasure as they enjoy incentive trips and vacations. Keeping up with clients and prospective clients is a juggling act. Making sure you are covered at a moment’s notice for a trip abroad is not something that needs to be added to the mix. Atlas MultiTrip allows you to purchase 364 days of coverage for a one-time fee and have one less reminder alert on your cell phone.

International Travelers : For some, now is the time to fulfill those aspirations of seeing the world. So for the international traveler who makes multiple international trips a year, Atlas MultiTrip is an affordable and convenient option for your travel medical insurance. You get most of the great benefits of our popular Atlas Travel plan, but with only one application and an entire year of coverage for a low rate. So apply today and get back to planning your next trip.

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BENEFIT LIMIT
Deductibles $250 per covered trip
Coinsurance – Claims incurred in U.S. or Canada For the certificate period, underwriters 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 PPO and expenses are submitted to underwriters for review and payment directly to the provider.
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 overall maximum 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
Intensive Care Unit Usual, reasonable and customary charges
Emergency Room Co-payment In addition to coinsurance, the member shall be responsible for a $200 copayment for each use of emergency room for an illness unless the member is admitted to the hospital. There will be no co-payment for emergency room treatment of an injury,after which coinsurance will apply.
Urgent Care Center 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.
Hospital Indemnity $100 per day of inpatient hospitalization for member's use to offset miscellaneous expenses (not subject to deductible or coinsurance).
Physical Therapy $50 maximum per day
All Other Eligible Medical Expenses Usual, reasonable and customary charges
Acute Onset of Preexisting Condition (only available to members under age 70) Limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions) $25,000 lifetime maximum for emergency medical evacuation.
Emergency Dental (acute onset of pain) $250 limit per certificate period (not subject to deductible or coinsurance)
Emergency Medical Evacuation $1,000,000 lifetime maximum, except as provided under acute onset of preexisting condition (not subject to deductible or coinsurance)
Return of Minor Children $50,000 per certificate period (not subject to deductible or coinsurance) Repatriation of Remains Overall maximum limit (not subject to deductible or coinsurance)
Pet Return Up to $1,000 to return a traveling pet home if member is hospitalized
Repatriation of Remains Overall maximum limit (not subject to deductible or coinsurance)
Emergency Reunion $50,000 limit per certificate period, subject to a maximum of 15 days (not subject to deductible or coinsurance)
Natural Disaster Maximum $100 a day for 5 days (not subject to deductible or coinsurance)
Trip Interruption $5,000 limit per certificate period (not subject to deductible or coinsurance)
Trip Delay $100 for a 12-hour delay requiring an unplanned overnight stay (2 days maximum).
Lost Checked Luggage $250 limit per certificate period (not subject to deductible or coinsurance)
Political Evacuation $10,000 lifetime maximum (not subject to deductible or coinsurance)
Terrorism $50,000 maximum lifetime limit, eligible medical expenses only
Accidental Death and Dismemberment (excludes loss due to common carrier accident; $250,000 maximum benefit per any one family or group) Not subject to deductible or coinsurance
Members up to age 18 Lifetime max. - $5,000; Death - $5,000; Loss of 2 limbs - $5,000; Loss of 1 limb - $2,500
Members under age 18 through 69 Lifetime max. - $50,000; Death - $50,000; Loss of 2 limbs - $50,000; Loss of 1 limb - $25,000
Members under age 70 through 74 Lifetime max. - $12,500; Death - $12,500; Loss of 2 limbs - $12,500; Loss of 1 limb - $6,250
Members under age 75 and older Lifetime max. - $6,250; Death - $6,250; Loss of 2 limbs - $6,250; Loss of 1 limb - $3,125
Common Carrier Accidental Death ($250,000 maximum benefit per any one family or group) Not subject to deductible or coinsurance
Up to age 18 - $25,000 per member;
Age 18 through 69 - $50,000 per member;
Age 70 to 74 - $12,500 per member;
Age 75 and older - $6,250
Maximum Per Injury / Illness $1,000,000
Overall Maximum Limit Per Certificate Period $1,000,000
Bedside Visit $1,500 (economy ticket for family member to visit if member admitted to ICU).
Crisis Response $10,000 per certificate period; Includes access to Unity Crisis Group services Optional Crisis Response buy-up of $90,000 to Lifetime max. $100,000
Personal Liability $10,000 lifetime maximum Optional Personal Liability buy-up of $90,000 to Lifetime max. $100,000