Atlas Group Travel Insurance is a group travel medical insurance for U.S. Citizens and non-U.S. citizens traveling outside of their home country who are at least fourteen days of age and traveling with a group of at least 5 (five) or more members. Atlas Group includes the same benefits and services as other Atlas Travel plans at a 10% reduced rate for groups of 5 or more. The plan pays 100% of eligible expenses, after the deductible, up to the overall maximum limit. The plan is designed to save money by purchasing a group plan. The plan is ideal for:

  • Families and friends of 5 or more travelers
  • Organizations whose members travel worldwide
  • Student groups studying abroad or taking a trip overseas
  • Missionary groups traveling to provide aid to local communities
  • Atlas Group plan can be customized by choosing deductibles, coverage length, and overall maximum coverage. The plan offers coverage for unexpected medical expenses including Emergency Medical Evacuation and COVID–19–related expenses. Atlas Group provides your travel group with flexible, budget-friendly coverage for traveling abroad. U.S. Citizens and residents are not eligible for coverage within the U.S.

    Key Highlights:

  • Offers coverage for Acute Onset of Pre-existing Conditions
  • Overall Maximum Limit From $50,000 to $2,000,000
  • Deductibles $0 to $5,000
  • Coinsurance 100% of eligible expenses, after the deductible, to the overall maximum limit
  • Emergency Medical Evacuation up to $1,000,000
  • Emergency Reunion up to $100,000
  • Political Evacuation Up to $100,000
  • Repatriation of Remains Equal to the elected overall maximum limit
  • Medically Necessary Repatriation/ Political and Natural Disaster Evacuation/Emergency Reunion/Lost Baggage/Accidental Death & Dismemberment/Common Carrier Accidental Death/Personal Liability/Trip Interruption/Return of Minor Children
  • Key Highlights

    Best Suitable Plan For

    Parents visiting USA
    Plan Details

    Insurance Provider

    WorldTrips


    Plan Underwriter

    Lloyd’s of London


    Plan Rating

    A.M. Best Rating: A


    Plan Category

    Travel Medical Insurance


    Plan Eligibility
    U.S. Citizens and non-U.S. Citizens who are at least fourteen (14) days of age and traveling with a group of at least five (5) members are eligible for coverage outside of their home countries, except as provided under home country coverage. U.S. Citizens and residents are not eligible for coverage within the U.S, except as provided under incidental home country coverage or an eligible benefit period.

    Should you make a change to the location of your home country during the certificate period, you are no longer eligible for coverage in the new home country except as provided under home country coverage as of the date you establish the new home country.

    Individuals age 65 to 79 as of the certificate effective date are subject to a $100,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $10,000 overall maximum limit.
    Policy Maximum, Deductibles & Medical Coverage Limits

    Overall Maximum Limit

    Age 80 or older: $10,000
    Age 65 to 79: $50,000 or $100,000
    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: $10,000
    Age 65 to 79: $50,000 or $100,000
    All others: $50,000, $100,000, $250,000, $500,000,$1,000,000, or $2,000,000


    Deductibles

    $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period


    Coinsurance

    We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit

    Pre-Existing Conditions

    Acute Onset of Pre-Existing Conditions

    Up to the overall maximum limit
    Up to $25,000 lifetime maximum for Emergency Medical Evacuation

    Emergency Coverage

    Emergency Room Co-Payment

    Claims incurred in the 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


    Local Ambulance

    Usual, reasonable and customary charges, only when covered illness or injury results in hospitalization as inpatient


    Emergency Medical Evacuation

    Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition
    – not subject to deductible or overall maximum limit

    Out-Patient

    Outpatient Physical Therapy and Chiropractic Care

    Up to $50 maximum per day. Must be ordered in advance by a physician


    Urgent Care Center Co-Payment

    Claims incurred in the U.S.
    For each visit, you shall be responsible for a $15 co-payment
    – co-payment is waived for members with a $0 deductible
    – not subject to deductible

    Claims incurred outside the U.S.
    No co-payment

    In-Patient

    Hospital Room and Board

    Average semi-private room rate, including nursing services.


    Hospital Intensive Care Unit

    Up to the overall maximum limit

    Dental Coverage

    Emergency Dental (Acute Onset of Pain)

    Up to $300 – not subject to deductible

    Travel Coverage

    Repatriation of Remains

    Equal to the elected overall maximum limit – not subject to deductible or coinsurance. This limit is for this benefit only
    and is not included in or subject to the overall maximum limit.


    Emergency Reunion

    Up to $100,000, subject to a maximum of 15 days – not subject to deductible


    Return of minor Child(ren)

    Up to $50,000 – not subject to deductible


    Trip Interruption

    Up to $10,000 – not subject to deductible


    Lost Checked Luggage

    Up to $1,000 – not subject to deductible

    Additional Coverage Options

    Natural Disaster - Replace Accommodations

    Up to $250 a day for 5 days – not subject to deductible


    Terrorism

    Up to $50,000 lifetime maximum, eligible medical expenses only


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