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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
Overall Maximum Limit

Age 80 or older $20,000.
Age 70 to 79: $50,000, $100,000, or $250,000.

All others: $50,000, $100,000, $250,000, $500,000,$1,000,000 or $2,000,000

Maximum per Injury / Illness Age 80 or older $20,000.
Age 70 to 79: $50,000, $100,000, or $250,000.

All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
  $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Coinsurance – Claims incurred in U.S.
In-Network Payment Within the PPO: Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network Payment Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Coinsurance – Claims incurred outside U.S. We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.

Hospital Room and Board Average semi-private room rate, including nursing services
Intensive Care Unit Up to the overall maximum limit
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.
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.

Claims incurred outside the U.S
No co-payment
Urgent Care Center Co-payment Claims incurred in U.S.
For each visit, you shall be responsible for a $25 co-payment, after which coinsurance will apply.

– Co-payment is waived for members with a $0 deductible.
– not subject to deductible
Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day. Must be ordered in advance by a physician. - not subject to coinsurance
Emergency Dental (Acute Onset of Pain) Up to $250 - not subject to deductible or coinsurance
Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurrence (plan deductible is waived). - not subject to coinsurance
Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 70) Up to the overall maximum limit
$25,000 lifetime maximum for Emergency Medical Evacuation
Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only.
All Other Eligible Medical Expenses Up to the overall maximum limit
Benefits2 Details
Emergency Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition
- not subject to deductible, coinsurance, or overall maximum limit
Repatriation of Remains Up to the overall maximum limit - not subject to deductible or coinsurance
Local Burial or Cremation Up to $5,000 lifetime maximum - not subject to deductible or coinsurance
Crisis Response - Ransom, Personal Belongings, Crisis Response Fees and Expenses, and Natural Disaster Evacuation Up to $100,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation
- not subject to deductible, coinsurance, or overall maximum limit.
Emergency Reunion Up to $150,000, subject to a maximum of 15 days - not subject to deductible or coinsurance
Bedside Visit Up to $1,500 - not subject to deductible or coinsurance
Return of Minor Children Up to $50,000 - not subject to deductible or coinsurance
Pet Return Up to $1,000 - not subject to deductible or coinsurance
Political Evacuation Up to $150,000 lifetime maximum - not subject to deductible or coinsurance
Trip Interruption Up to $15,000 - not subject to deductible or coinsurance
Accidental Death & Dismemberment (excludes loss due to Common Carrier Accident)
Ages 18 through 69
Lifetime Maximum - $100,000
Death - $100,000
Loss of 2 Limbs - $100,000
Loss of 1 Limb - $50,000
Under age 18 Lifetime Maximum - $5,000
Death - $5,000
Loss of 2 Limbs - $5,000
Loss of 1 Limb - $2,500
Ages 70 through 74 Lifetime Maximum - $12,500
Death - $12,500
Loss of 2 Limbs - $12,500
Loss of 1 Limb - $6,250
Ages 75 and older Lifetime Maximum - $6,250
Death - $6,250
Loss of 2 Limbs - $6,250
Loss of 1 Limb - $3,125
$250,000 maximum benefit any one family or group.
- not subject to deductible, coinsurance, or overall maximum limit
Common Carrier Accidental Death
Ages 18 through 69 $50,000
Under age 18 $25,000
Ages 70 through 74 $12,500
Ages 75 and older $6,250
Subject to a maximum of $250,000 any one family or group.
- not subject to deductible, coinsurance, or overall maximum limit
Lost Checked Luggage Up to $1,000 - not subject to deductible or coinsurance
Travel Delay Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.
- not subject to deductible or coinsurance
Border Entry Protection Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border.
- not subject to deductible or coinsurance
Natural Disaster - Replacement Accommodations Up to $500 a day for 5 days - not subject to deductible or coinsurance
Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible or coinsurance.
Personal Liability Up to:
$100,000 lifetime maximum
$100,000 third person injury
$100,000 third person property
$2,500 related third person property
- not subject to deductible, coinsurance, or overall maximum limit