Overview
Atlas Premium International is a comprehensive coverage plan for persons traveling outside their home country and outside the United States. You can obtain an instant quote and/or purchase online using this web site. The insurance coverage can start as early as today or any future date you specify. After purchase, ID cards can be downloaded from MyAccount at any time; there is a link in the purchase confirmation email. If you request mailing during the application, then physical ID cards, along with the policy will be mailed to you the following business day. If mailed within the United states, you should receive your documents within five to seven business days.
Approximately 15 minutes after the purchase, you can download the visa letter from MyAccount, which is a requirment for the Schengen visa. This letter is enough proof to present to the consulate and no other insurance documents are required.
What is covered and not covered?
The insurance company will generally pay for new medical conditions, injuries or illnesses that may occur after the effective date of the policy. It does not cover any routine expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.
Atlas Premium International covers for acute onset of pre-existing conditions for persons below the age of 80 years up to overall policy maximum.
US Urgent care visit or Walk-in Clinic is $15 copay and not subject to deductible. If you visit a US emergency room for a sickness (not injury) for which you are not admitted into the hospital, there is $200 penalty per visit.
Prescription drugs are covered like any other eligible medical expenses.
Emergency Dental Treatment to sound and natural teeth is covered in the case of an accident under this insurance, and up to $300 for acute pain to sound and natural teeth.
Atlas Premium International provides coverage anywhere outside of your home country and outside the U.S. including travel time. It also provides coverage for loss of checked luggage.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
First, you will have to pay your chosen deductible once per policy period (varies from $0 to $5,000) before the insurance company begins paying anything for the covered expenses, even for doctor visits. You will need to pay the full amount of your chosen deductible until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay.
After that, the plan pays 100% up to the selected policy maximum, ranging from $50,000 to $2,000,000, depending upon your age.
Example:
Lets assume that you have purchased a $50,000 policy maximum with a $250 deductible for 3 months.
Let's assume that the doctor charges you $200/visit and you need to visit several times.
The first time you visit the doctor, you will have to pay all of that $200 yourself. You still have $50 left towards the unsatisfied deductible.
On the second visit, you will have to pay $50 yourself. You have now completely satisfied your deductible once per policy period. After that, the plan pays the remaining $150.
For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance company will pay 100% for covered medical expenses, up to $50,000. If you incur any expenses beyond $50,000, you will be responsible to pay that amount.
Let's assume that you were in an accident and are hospitalized for 3 days. The hospital charges $12,000 per day for a total bill of $36,000. Assuming this is the first instance of your needing to use the insurance, you pay your $250 deductible, and the insurance company will pay the rest.
Even if you extend your insurance, you don't have to pay the deductible again.
Benefits Updated: 07/15/2020