Ask Our Specialists

Travel Medical Insurance

Question:

medical insurance for a trip outside the USA Hi, I am a Swiss citizen living in the USA. I will be going to Pakistan for 5 weeks and to Switzerland and France for 2 weeks this summer (July-August 2007).I would like to purchase an insurance that will cover me for this trip (30 June to 26 August 2007) as well as the activities I will be doing (I will be on an expedition in Pakistan to climb the Diran peak (7262 meters) and will be climbing and mountaineering in France and Switzerland.Therefore I will need a plan with the hazardous sport rider with No altitude limitation. Looking at the different plans from the different companies, I have seen that the Atlas series from MultiNational Underwriters offer this type of insurance without altitude limit However, before I can buy a plan from you, I have a few questions: 1) I could not understand whether I need the Atlas America or Atlas International, I read on some documents that Atlas International was for US citizen outside the US AND for non-US citizen living in the USA but traveling abroad (which would be me). However, on other documents, I read that all non US citizen had to buy Atlas America, Please advice me which plan I should by and why (and where is the reliable information) 2) I will be part of a mountaneering expedition and thus would like to make sure that I will be insured with this plan (including the hazardous sport rider) even while mountaneering and that there are no altitude limit. Could you please confirm that this is the case. 3) The schedule of benefits says that emergency medical evacuations are covered only if the attending physician certifies that the evacuation is necessary. Obviously, there are No attending physician part way up a summit in Pakistan, and if an accident happened that is life threatening, my friend or the guide will call the rescue to get an helicopter to evacuate me to the nearest hospital. Could you please confirm that this will be cover by the insurance. 4) The schedule of benefits says (under trip interruption) that, if following an emergency medical evacuation, the physician states that it is necessary to return to my home country for proper medical treatment, a one way economy flight will be paid for till the terminal closest to my residence (so Boston). However, if the medical condition is so bad that one cannot be treated in an hospital in pakistan, obviously, one cannot either walk and take an economy flight to the state and then take a bus to a hospital to get the necessary treatment. So how does that work, please explain me. I look forward to hearing from you, and than you very much for your time Best Regards

Answer:

Thank you for your interest in purchasing Atlas travel medical insurance. Here are the answers to your questions: 1.. International 2.. OK 3.. there has to be an attending physician and they have to work MNU or TravelGuard. No company is going to evacuate him out of there without A. A physician present B. Guarantee of payment. 4.. the transportation between the airplane and hospital etc. would fall under "local ambulance" benefit. You can make instant purchase online at /atlas-international/travel-health-insurance/ Please let me know if you have any other questions.


Thank you for your answer, I still have some problems with point 3, and I guess you may not have understood the question. When you are on an expedition in the Himalaya and get injured climbing a summit, no physician is going to come from a large city, walk to the Base Camp (between 3 and 10 days depending on the mountain), then climb up to camp 1 or 2 (another few days), look at the injured person (dead by now), say "yes, this person need to be evacuated", descend to Base Camp to use the radio to call the rescue company for a helicopter (Askari Aviation in Pakistan). How it really work is: When climbers arrive to Pakistan, they visit " Askari Aviation" deposit US$ 6,000 against possible rescue, obtain a rescue kit (with a radio, and flags and signals to show the helicopter where to land). then the expedition members will take the bus (24h bus ride), and walk to the base camp, and spend weeks attempting to climb the mountain. If a climber get injured while climbing, a member of the expedition will descent to Base Camp, radio Askari Aviation, who will despatch a helicopter, meanwhile, other climbers will try to descent the injured person to an altitude where a helicopter can fly safely (usually less than 5500 meters) and a flat place where the helicopter can land. Then the injured climber will be helicoptered to the nearest hospital, and the nearest phone. So it is only at this time that the companion or the doctor of the injured person could phone the insurance or anybody, as it is the first place that has a phone. So as you see, no rescue company is going to wait to have the green light for any insurance company, as that would mean the death of the climber, which is something everybody usually try to avoid..... So please let me know how atlas travel medical insurance work, I thank you very much for you time,


What you are describing falls under local ambulance coverage.

Last Updated: {{question.updated}}
Published: {{question.published}}
{{question.likes}} {{question.likes == 1 ? 'person found this answer useful' : 'people found this answer useful'}}
621 page views

DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

Search Questions and Get Answers

Type your question or hashtag below or Ask a Question

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More