Benefits
Exclusions
Claims
FAQ
Rates
Downloads

State of the art travel and emergency medical assistance services are part of every Atlas Travel Series plan. In addition, the Atlas Travel Series allows you to extend and/or renew your coverage for up to 36 months.

Non-US citizens traveling outside of the US should purchase Atlas International. Non-US citizens traveling to the United States should purchase Atlas America.

BENEFITS:
Hospital Room and Board: Average Semi-private room rate, including nursing services
Medical Expenses: Usual, Reasonable and Customary charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case. Charges for diagnostic testing using radiology, ultrasonographic or laboratory services. Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
Local Ambulance: Usual, Reasonable and Customary charges.
Hospital Indemnity: $100 per day (not subject to Deductible or Coinsurance).
Intensive Care Unit: Usual, Reasonable and Customary charges
Outpatient Treatment: Usual, Reasonable and Customary charges.
Acute Onset of Pre-existing Condition (only available to Members under age 70): $15,000 limit per Certificate Period for Eligible Medical Expenses and $25,000 limit per Certificate Period for Emergency Medical.
Complications of Pregnancy: Treatment of Complications of Pregnancy during the first 26 weeks of Pregnancy is covered under this insurance.
Physical Therapy: $50 per visit.
Accidental Dental - Overall Maximum Limit for Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident.
Emergency Dental - $100 limit per Certificate Period when necessary to resolve acute, spontaneous and unexpected onset of pain.
Emergency Medical Evacuation: up to $500,000 Maximum Lifetime Limit for emergency air and/or ground transportation to the nearest hospital, when approved in advance and coordinated by MultiNational Underwriters Inc.
Emergency Reunion: up to $15,000 limit per certificate period for transportation to the area where you are hospitalized following Emergency Medical Evacuation and reasonable expenses for lodging and meals for period of 15 days for one of your relatives.
Return of Minor Children: $5,000 limit per certificate period for the cost of a one-way
economy air and/or ground transportation ticket for each covered child to the principal residence if you are hospitalized for a period of time expected to exceed 36 hours.
Terrorism: $50,000 Maximum Lifetime Limit for medical expenses only.
Accidental Death and Dismemberment: $25,000 per adult age 18-69; $12,500 per adult age 70-74; $ 6,250 per adult age 75 and above; $ 5,000 per children age 17 and below.
Common Carrier Accidental Death: $50,000 per adult ($25,000 children under age 18)up to $250,000 Maximum per family.
Repatriation of Remains: up to overall maximum limit for preparation and transportation of your remains in the event of death from covered condition.
Natural Disaster Benefit: Up to $100 a day for 5 days when displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike.
Trip Interruption: up to $5,000 limit per certificate period for the cost of an economy one way air and/or ground transportation ticket for you to the area of your Principal Residence, 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.
Lost Checked Luggage: $250 limit per certificate period, not exceeding $50 per item (not subject to Deductible or Coinsurance).
Incidental Home Country Coverage - provide you 15 days of incidental coverage for trips to your Home Country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.
Benefit Period Medical Coverage - Your Benefit Period begins on the first date you receive a diagnosis or treatment of a covered Illness or Injury while outside your Home Country and lasts for 180 days.
Optional Sports Rider is available for the adventurous traveler. This Rider adds coverage for the Amateur sports listed in exclusion. The maximum coverage under this rider is the Overall Maximum Limit you select. The Accidental Death and Dismemberment benefit is deleted during the course of the activity.

EXCLUSIONS:
Eligibility:
If you are traveling outside of your Home Country and are at least 14 days old, you are eligible for coverage. If you are under age 70, you may select your Overall Maximum Limit, ranging from $50,000 to $1,000,000. If you are age 70 to 79, the Overall Maximum Limit available is $50,000. If you are age 80 or older, the Overall Maximum Limit available is $10,000. The minimum coverage period is 5 days and the maximum initial coverage period is 12 months.
Deductibles: $0, $100, $250, $500, $1,000 or $2,500.
Coinsurance:
- No coinsurance for claims incurred outside US or Canada.
- 80% up to US$5,000 after the deductible, then 100% up to the policy maximum for claims incurred in US or Canada. Coinsurance will be waved if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider.
Pre-existing Conditions - any Illness, Injury or medical condition or chronic or recurring Illness or Injury or medical condition, including any associated complications or consequences, which existed at or during the 2 years immediately preceding your Effective Date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that 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
Other Exclusions:
- Routine pre-natal care, childbirth, care of newborns, post-natal care, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof.
- False labor, edema, prolonged labor, prescribed test during the period of Pregnancy, morning sickness and conditions of comparable severity associated with management of a difficult Pregnancy, and not constituting a medically distinct Complication of Pregnancy, and all charges related to Pregnancy after the 26th week of Pregnancy.
- Treatment for or related to any congenital condition.
- Mental Health Disorders or Substance Abuse.
- Charges which are not incurred during the Certificate Period or the applicable Benefit Period, and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or the applicable Benefit Period.
- Charges for use of Emergency Room within the US for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness.
- Not Medically Necessary and administered or ordered by a Physician.
- Provided at no cost, by a family member, or by a person who ordinarily resides with you, or which are attributable to or recoverable from any other party including government-sponsored plans.
- Charges which exceed Usual, Reasonable and Customary.
- Investigational, Experimental or for Research purposes.
- While confined primarily to receive Custodial Care, Educational or Rehabilitative care.
- Venereal Disease, AIDS or ARC.
- Treatment by a Chiropractor.
- Diseases of the skin.
- Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental treatment necessary to replace sound natural teeth lost or damaged in an Accident covered hereunder or for the relief of acute, spontaneous and unexpected onset of pain.
- Eyeglasses, vision exams, contact lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy, orthoptics or visual eye training or eye surgery (including cataract surgery and radial keratotomy) or for any examination or fitting related to these devices or procedures.
- Injury sustained while taking part in the following activities: Amateur or professional sports or athletics, except this does not include Amateur sports or athletics which are non-contact and undertaken solely for leisure, recreational, entertainment or fitness purposes unless such sports or athletics are otherwise excluded by this provision. The following are excluded: Mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher. Aviation, except when traveling solely as a passenger in a commercial aircraft. Hang gliding, sky diving, parachuting or bungee jumping; Snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); Racing by any animal or motorized vehicle; and spelunking; and subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters; jet skiing; and any other sport or athletic activity which is undertaken for thrill seeking and exposes you to abnormal or extreme risk of injury.
- Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse.
- Willfully self-inflicted Injury or Illness and immunizations and Routine Physical Exams.
- The Deductible, Coinsurance and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the limits set forth in the Schedule of Benefits and Limits.
- Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
- Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of Remains, Emergency Reunion and Trip Interruption sections of this insurance.
- Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).
- Organ or tissue transplants or related services.
- Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof. Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment and Common Carrier Accidental Death): Age 14 days to 69 - $50,000, $100,000, $250,000, $500,000 or $1,000,000; Age 70 to 79 - $50,000; Age 80 or older - $10,000
This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact MultiNational Underwriters

CLAIMS:
Hospital Pre-Notification Penalty: 50% of Eligible Medical Expenses
Pre-notification
All Hospitalizations, Surgeries, Emergency Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI) must be Pre-notified. Simply call, or have your Physician call, MultiNational Underwriters with all information relative to your claim. You may also pre-notify by submitting details through Client Zone. Be sure to have your ID number available. If you do not Pre-notify, medical expenses will be reduced by 50% and all other expenses will be forfeited.

How Do I File a Claim?
Filing a claim is easy. Once your Application is accepted, you will receive a kit which contains Claimant's Statement and Authorization forms. Just complete this Claimant's Statement and Authorization form, attach original, itemized bills, and forward them to MultiNational Underwriters. Be sure to complete your Claimant's Statement entirely, sign it, and indicate a convenient time and location to contact you in the event questions arise. If you have already paid certain expenses, attach copies of your paid receipts. You will be reimbursed for eligible medical or dental expenses. In many cases, MultiNational Underwriters will make payment directly to the hospital or physician that treated you. Remember, you are responsible for the deductible, coinsurance, and any ineligible charges.

F.A.Q.:
Who is the Plan Administrator?
MultiNational Underwriters, headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of international travelers. MNU is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of more than $8.0 billion, shareholders’ equity in excess of $2.3 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.

Who is the Insurer?
Lloyd's, the largest and oldest insurance market in the world, is the insurer of the International Citizen Series. Rated A (Excellent) by AM Best Company and A (Strong) by Standard and Poor's, Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd's is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyd's provides accident and health insurance to millions of individuals in almost every country of the world.

How do I Extend or Renew my Coverage?
After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 12 months from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset.
If you are covered under Atlas International, after 12 months of continuous coverage you may renew your coverage for up to 12 additional months. If 24 months of continuous coverage is maintained, a final period of up to 12 months may be purchased. Deductible and Coinsurance must be re-satisfied as of each renewal date.
After 36 months of continuous coverage under Atlas International, or 12 months of continuous coverage under Atlas America, or any break in coverage, a new plan must be purchased. A new Application is required and you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions.
Extensions or renewals must be made online with payment by credit card. For additional information on extending or renewing your plan, please visit Client Zone.

RATES:

- *$10,000 Maximum Limit.
- **First two children age 9 and under are free when two parents/guardians are insured under the Atlas Series.
- One child age 9 or under is free when one parent/guardian is insured under the Atlas Series.
- Rates valid through 6/30/2007.
- Displayed rates are for $250 Deductible Option (in USD).
- Florida Residents: Rates include 5.1% Surplus Lines Taxes and Fees.

- *$10,000 Maximum Limit.
- **First two children age 9 and under are free when two parents/guardians are insured under the Atlas Series.
- One child age 9 or under is free when one parent/guardian is insured under the Atlas Series.
- Rates valid through 6/30/2007.
- Displayed rates are for $250 Deductible Option (in USD).
- Florida Residents: Rates include 5.1% Surplus Lines Taxes and Fees.

DOWNLOADS:

Atlas BROCHURE PDF

Atlas Claim Form

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