Atlas International travel insurance is a highly popular international travel medical insurance plan for U.S. citizens as well as non-U.S. citizens who are traveling outside their home country and traveling outside the U.S. The travel can be for any reason, such as vacation, business, work, education, missionary work, or any other reason.
Various policy maximums ranging from $50,000 to $2,000,000 are available, as well as various deductible choices ranging from $0 to $5,000. After you pay the deductible, the insurance company pays 100% up to the chosen policy maximum for eligible medical expenses.
Atlas International insurance is underwritten by Lloyds, which is rated A “Excellent” by A.M. Best and is the largest and oldest insurance marketplace in the world, with more than 300 years of solid history.
Atlas International Travel Insurance Benefits
The Atlas International travel insurance plan is designed to generally cover any injuries, accidents, or sicknesses that occur after the effective date of the policy. Atlas International insurance will cover medically necessary outpatient as well as inpatient treatment such as doctor visits, prescription drugs, urgent care visits, emergency room visits, labs, X-rays, CT scans, MRIs, surgery, and hospitalization (including hospital room, board, and ICU charges).
Apart from providing excellent medical coverage, Atlas International insurance has many travel-related benefits such as emergency medical evacuation, repatriation of remains, loss of checked luggage, trip interruption, return of minor children, and emergency reunion benefits.
Compliant Travel Insurance for Schengen Visa and Other Countries
Atlas International insurance meets the requirements of Schengen visa travel insurance for those visiting Europe. Immediately after the purchase, you will get an email confirmation with a link to the visa letter (also called confirmation of coverage letter) that you can present to the Schengen country embassy or consulate when applying for a Schengen visa.
If you are visiting Thailand, their government requires at least $100,000 travel medical coverage, and they require the insurance company to complete a special waiver form with specific language. Once you purchase Atlas International insurance from Insubuy, they can get the waiver form completed for you to submit to the Thai government.
There are many other countries around the world that require proof of travel medical insurance, and you can purchase Atlas International insurance to satisfy the requirements of most of them.
Atlas International Travel Insurance Features
Atlas International travel insurance can be purchased for a duration of between 5 days and 12 months. However, if you are a non-U.S. resident traveling to a non-U.S. country, you can purchase it for up to 1 year and renew it for a total of 3 years.
You are able to extend Atlas International insurance for a minimum of 1 day or a longer duration that you desire. When you extend it, all the terms and conditions remain the same. However, when you renew the insurance after 1 year (if you are eligible to do so, as described above), the deductible will start over.
Atlas International Travel Insurance Restrictions
Compared to a few other international travel medical insurance plans, Atlas International travel insurance has fewer restrictions:
- Not available if the person is physically located in the state of Maryland, New York, or Washington at the time of application. This restriction applies only to the proposed insureds in New York or Washington, while in Maryland, it additionally applies also to the person applying for the insureds, if they are not the same.
- The following are excluded:
- Treatment of all forms of cancer / neoplasm
- Diseases of the skin
- Diagnosis, treatment, or supplies for the feet; orthopedic shoes or orthopedic prescription devices to be attached to or placed in shoes; treatment of weak, strained, flat, unstable, or unbalanced feet; metatarsalgia or bunions; and treatment of corn, calluses, or toenails.
Please refer to the certificate wording for complete details.
How to Purchase Atlas International Travel Insurance
There are literally thousands of agents and brokers, as well as the insurance company that directly sells Atlas International travel insurance. For exactly the same parameters and coverage, the prices are exactly the same everywhere. Therefore, you should shop for the customer service.
You should purchase your insurance from a travel insurance marketplace such as Insubuy, which has U.S.-based, licensed agents available five days a week. Help is available in English, Spanish, and Chinese. You can trust Insubuy to always provide you the right advice. Most importantly, if you run into any legitimate claim issues, Insubuy’s claims resolution specialist will help you get your eligible claims paid. Such additional service comes at no additional cost, but can prove to be highly valuable when you really need it the most.
