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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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