Health insurance with trip insurance

[vgupta7]

Hi,

I recently purchased an Atlas Series health insurance from insubuy.com for my parents who will be visiting me shortly.

I was wondering if this health insurance plan covered trip insurance as well? I went through the coverage letter and noticed that the trip interruption does not refer to any coverages for flight interruption due to sickness, or any other emergency. Is that correct?

I basically want to ensure that standard travel insurance coverages like flight interruption, baggage lost/delayed, etc are included.

I would appreciate if someone could reply.

Thanks!

[narendra]

Trip Interruption:

1. If, after you have departed, you learn of the death of a parent, spouse, sibling or child, or you learn of the substantial destruction of your Principal Residence by fire or weather, the Atlas America will provide the following benefit: The cost of an economy, one way air and/or ground transportation ticket for your travel to the area of your Principal Residence; or
2. If, following a covered Emergency Medical Evacuation, the attending Physician states that it is Medically Necessary for your return to your Home Country or to the area from which you were initially evacuated for continuing treatment, recuperation and recovery, the Atlas America will provide the following benefit: The cost of an economy, one-way air and/or ground transportation ticket for your travel from the area where you were hospitalized following the Emergency Medical Evacuation to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence.

Lost Checked Luggage:
In the event your checked luggage is permanently lost by the transportation provider, the Atlas America will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and submit copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost checked luggage.