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Atlas Essential Insurance Low cost Comprehensive Plan – In PPO 100% coverage

Atlas Essential Insurance


For budget-conscious travelers, an Atlas Essential travel insurance policy provides coverage for the basic necessities as you travel away from your home country.

Perfect for:

  • Travelers on a budget
  • Travelers buying for several people
  • Healthy individuals with low concerns
  • Individuals traveling on a J-1 Visa
  • Travelers who does not want AD&D coverage & Hospital Indemnity.

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 $10,000.
Age 70 to 79: $50,000, $100,000, or $250,000.
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Maximum per Injury / Illness Age 80 or older $10,000.
Age 70 to 79: $50,000, $100,000, or $250,000.
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Deductibles $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Coinsurance In-Network Payment Within the PPO: We will pay 75% of eligible expenses after the deductible to the overall maximum limit
Coinsurance Out-of-Network Payment Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

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 waived for members with a $0 deductible.
– not subject to deductible

Claims incurred outside the U.S.
No co-payment
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 $500,000 lifetime maximum - not subject to deductible or coinsurance
Repatriation of Remains Up to $25,000 lifetime maximum - not subject to deductible or coinsurance
Local Burial or Cremation Up to $5,000 lifetime maximum - not subject to deductible or coinsurance