The Atlas MultiTrip plan is with you almost anywhere you may travel internationally for vacation, business, visits with family, sports adventures or other pursuits. It covers multiple trips, up to 30 or 45 days in length for the 364-day certificate period.
Why Choose Atlas MultiTripTM?
Whether traveling for business or pleasure, international travel should be a fulfilling experience. However, complications such as natural disasters, illnesses, and injuries can arise. While we may do everything possible to guard against it, sometimes the unexpected still occurs. Fortunately, Atlas MultiTrip is here to help if it does.
Atlas MultiTrip offers coverage including inpatient and outpatient medical expenses, emergency medical evacuation, accidental death and dismemberment, and lost checked baggage for frequent international travelers.
I have medical insurance in my home country; do I need multi-trip medical insurance?
Many times the primary medical insurance in your home country will not cover you while traveling abroad and often will not provide essential services in the event of an illness or injury. Atlas MultiTrip provides important benefits such as translation assistance during treatment, doctor and hospital referrals, and assistance replacing lost prescriptions. Coverage applies to multiple trips up to 30 or 45 days in length (as elected) during the 364-day contract period.
After purchasing coverage, how can I trust the company to be there if I need them?
Tokio Marine HCC - MIS Group, headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance products designed to meet needs of consumers worldwide.
Tokio Marine HCC is a leading specialty insurance group conducting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Headquartered in Houston, Texas, the company is made up of highly entrepreneurial teams equipped to underwrite special situations, companies and individuals, acting independently to deliver effective solutions. Our products and capabilities set the standard for the industry, as many of our nearly 2,500 employees are industry leading experts.
Tokio Marine HCC is part of Tokio Marine, a premier global company with a market cap of approximately $30 billion. *Tokio Marine HCC holds a financial strength rating of AA- for Standard & Poor’s and Fitch Ratings and A++ (Superior) by A.M. Best Company.
For more information about Atlas MultiTrip, please contact us.
Atlas MultiTrip Schedule of Benefits and Limits
|Deductibles||$250 per covered trip|
|Overall Maximum Limit||$1,000,000|
|Coinsurance – Claims Incurred in U.S.|
|In-Network Payment||Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit||Out-of-Network Payment||Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.|
|Coinsurance – Claims Incurred Outside U.S.||We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.|
|Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.|
|Hospital Room and Board||Average semi-private room rate, including nursing services.|
|Local Ambulance||Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.|
|Intensive Care Unit||Up to the overall maximum limit.|
|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.
|Urgent Care Center – Co-payment||Claims incurred in the U.S.|
For each visit, you shall be responsible for a $25 co-payment, after which coinsurance will apply.
– co-payment is waived for members with a $0 deductible
– not subject to deductible
Claims incurred outside the U.S.
|Outpatient Physical Therapy and Chiropractic Care||Up to $50 maximum per day. Must be ordered in advance by a physician.|
– not subject to coinsurance
|Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 70)||Up to the overall maximum limit.|
$25,000 lifetime maximum for Emergency Medical Evacuation.
|Emergency Dental (acute onset of pain)||Up to $250 - not subject to deductible or coinsurance|
|Emergency Eye Exam for a Covered Loss||Up to $150. $50 deductible - per occurrence (plan deductible is waived). – not subject to coinsurance|
|All Other Eligible Medical Expenses||Up to the overall maximum limit|
|Emergency Travel Benefits||Limit|
|Emergency Medical Evacuation||Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition|
– not subject to deductible, coinsurance, or overall maximum limit
|Hospital Indemnity||$100 per day of inpatient hospitalization – not subject to deductible or coinsurance|
|Return of Minor Children||Up to $50,000 – not subject to deductible or coinsurance|
|Pet Return||Up to $1,000 – not subject to deductible or coinsurance|
|Repatriation of Remains||Up to the overall maximum limit – not subject to deductible or coinsurance|
|Emergency Reunion||Up to $100,000 subject to a maximum of 15 days – not subject to deductible or coinsurance|
|Natural Disaster – Replacement Accommodations||Up to $250 per day for 5 days –not subject to deductible or coinsurance|
|Trip Interruption||Up to $10,000 – not subject to deductible or coinsurance|
|Travel Delay||Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. – not subject to deductible or coinsurance|
|Lost Checked Luggage||Up to $500 – not subject to deductible or coinsurance|
|Political Evacuation||Up to $100,000 lifetime maximum – not subject to deductible or coinsurance|
|Accidental Death and Dismemberment (excludes loss due to Common Carrier Accident)|
|Ages 18 through 69||Lifetime Maximum - $50,000|
Death - $50,000
Loss of 2 Limbs - $50,000
Loss of 1 Limb - $25,000
|Under age 18||Lifetime Maximum - $5,000|
Death - $5,000
Loss of 2 Limbs - $5,000
Loss of 1 Limb - $2,500
|Ages 70 through 74||Lifetime Maximum - $12,500|
Death - $12,500
Loss of 2 Limbs - $12,500
Loss of 1 Limb - $6,250
Lifetime Maximum - $6,250
|Ages 75 and older||Lifetime Maximum - $6,250|
Death - $6,250
Loss of 2 Limbs - $6,250
Loss of 1 Limb - $3,125
$250,000 maximum benefit any one family or group. - not subject to deductible, coinsurance, or overall maximum limit
|Common Carrier Accidental Death|
Ages 18 through 69
Under age 18
Ages 70 through 74
Ages 75 and older
Subject to a maximum of $250,000 any one family or group.
- not subject to deductible, coinsurance, or overall maximum limit
|Bedside Visit||Up to $1,500 – not subject to deductible or coinsurance|
|Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses||Up to $10,000 – not subject to deductible, coinsurance, or overall maximum limit|
|Personal Liability||Up to:|
$10,000 lifetime maximum
$10,000 third person injury
$10,000 third person property
$2,500 related third person property
– not subject to deductible, coinsurance, or overall maximum limit
|Border Entry Protection||
Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border|
– not subject to deductible or coinsurance
What's Covered by Atlas MultiTripTM?
Emergency Medical Evacuation and Emergency Reunion
Would you know what to do if you found yourself in a life-threatening situation far from home? We are experienced in arranging Emergency Medical Evacuations. Atlas MultiTrip will cover eligible expenses necessary to transport you to the nearest medical facility qualified to treat your life-threatening condition. We also understand the importance of family support in these difficult situations. Atlas MultiTrip will also cover the transportation, lodging, and meal costs for a relative to join you after an emergency medical evacuation, up to the lifetime limit.
Repatriation of Remains
What would your family do if disaster strikes while you are away from home? The death of a loved one is never easy, no matter the circumstances. In the unfortunate event of your death while traveling abroad, Atlas MultiTrip will arrange for and cover eligible costs associated with the repatriation of your remains.
If, during the coverage period and after your arrival, the United States government issues a level 3 or level 4 travel advisory for your destination country, Atlas MultiTrip will coordinate your alternate departure arrangements from that country and cover eligible associated costs.
One of a traveler’s biggest worries is the safety of his or her home while away. If you learn that a catastrophic event like a tornado, hurricane, or flood has caused severe damage to your home while traveling abroad, Atlas MultiTrip will cover the cost of a one-way, economy class ticket to the airport nearest your home.
Natural Disaster – Replacement Accommodations
Natural disasters can happen anywhere and at any time. If a natural disaster occurs while on your trip, causing you to become displaced from your accommodations, Atlas MultiTrip will provide relief of a maximum of $250 a day for 5 days to help cover the costs of alternative accommodations.
If you are hospitalized, the world around you does not stop. What’s more, in some places hospitals do not provide their patients basic necessities like meals, toothpaste or soap. If you are hospitalized as an inpatient for treatment of a covered illness or injury, Atlas MultiTrip will provide $100 for each night you spend in the hospital.
In these turbulent times, the risk of a terrorist attack is a reality. If you are in the wrong place at the wrong time, and the country or region you’re visiting is NOT under a level 3 or level 4 travel advisory, Atlas MultiTrip offers coverage for eligible medical expenses resulting from those acts. Coverage excludes countries or regions for which the U.S. Department of State has issued a level 3 (“reconsider travel”) or level 4 (“do not travel”) advisory.
Atlas MultiTrip Quality Benefits
Acute Onset of Pre-Existing Conditions
Atlas MultiTrip provides a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 70, you may be covered for an acute onset of a **pre-existing condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation.
An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.
*The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect the terms and conditions of any insurance policy issued by the administrator or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.
**A pre-existing condition is any condition:
- for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
- which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
- that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you
Hospitalization & Outpatient Treatment
If a covered illness or injury requires hospitalization, the plan provides coverage for eligible costs associated with hospitalization, including intensive care unit, and outpatient treatment.
Atlas MultiTrip includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports - skiing, snowboarding, snorkeling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.
Atlas MultiTrip offers up to $10,000 (or up to $100,000 ***if additional coverage is selected) to offset costs associated with kidnapping, such as ransom, crisis response expenses, and loss of personal belongings. This benefit includes access to the services of Unity Crisis Group for advice, coordination with law enforcement, and negotiations during a kidnapping.
***A buy-up of an additional $90,000 is available for selection, which includes the added benefit of a $10,000 maximum for natural disaster evacuation.
Atlas MultiTrip offers up to $10,000 (or up to $100,000 if additional coverage is selected) to offset the following types of court-entered eligible judgments or approved settlements incurred by the member.
- Third-party injury;
- Damage/loss of a third party's personal property;
- Damage/loss of a related third party's personal property.
Enrollment and Filing a Claim
Home Country Coverage
Benefit Period Medical Coverage
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, underwriters will pay eligible medical expenses, as defined herein, for up to 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness while the member is outside his or her home country and while the certificate was in effect. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.
You may file a claim by submitting a claimant’s statement and authorization form. This form may be found online. Complete the form, attach all itemized invoices and payment receipts, and send them to the address shown on the claimant’s statement.
Outstanding Customer Service
Client Center is an online account management and resource tool available to:
- Extend coverage and reprint ID cards
- Obtain details about claim filing and downloading forms
- Locate providers within the PPO Network
Log In at: Client Center
If you prefer to speak to a professional service representative, contact us by calling toll-free. The service center can provide service in different anguages.
Worldwide Travel and Medical Assistance
Atlas MultiTrip includes valuable travel and medical assistance services, which are available in multiple languages 365 days a year.
Pre-Trip Destination Information
Up-to-date information regarding required vaccinations, health risks, travel restrictions, and weather conditions specific to the destination country.
Consultations with attending medical professionals during hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding medical status.
Contact information for Western-style medical facilities, medical and dental practices, and pharmacies in the destination country.
Travel Document Replacement
Assistance with obtaining replacement passports, birth certificates, visas, airline tickets, and other travel-related documents.
Lost Luggage Assistance
Tracking service to assist in locating luggage or other items lost in transit.
Other Travel Assistance Services*
- Prescription Drug Replacement
- Emergency Travel Arrangements
- Dispatch of Physician
- Translation Assistance
- Credit Card / Traveler's Check Replacement
* For a complete list of available assistance services or for more information, please contact us. Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.
Atlas MultiTrip International - For Travel Outside of the U.S.
|Maximum Trip Duration||30 Days per Trip||45 Days per Trip|
|Participant - Annual Premium||$188||$230|
|Spouse and up to two children*||$94||$115|
|Each additional child*||$38||$46|
Atlas MultiTrip America - For Non-U.S. Citizens Traveling to the U.S.
|Maximum Trip Duration||30 Days per Trip||45 Days per Trip|
|Participant - Annual Premium||$257||$315|
|Spouse and up to two children*||$131||$162|
|Each additional child*||$51||$63|
Rates are shown in US dollars and are effective 04/01/17. Rates are subject to change. Surplus Lines taxes and fees will be charged when applicable.
Eligibility for Atlas MultiTrip policy coverage requires that each applicant’s age be between 14 days and up to 75 years of age.
*Children under 19 years of age
Premiums are fully earned on the Certificate Effective Date and are nonrefundable thereafter.
AdministratorTokio Marine HCC - MIS Group
251 North Illinois Street, Suite 600
Indianapolis, IN 46204
FOR ADDITIONAL INFORMATIONInsubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093
Phone: (972) 985-4400
Fax: (972) 767-4470
Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether this policy meets any obligations you may have under PPACA.
Atlas MultiTrip is underwritten by Lloyd’s, London. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.