Travel Insurance

Do You Need Travel Insurance?

Travel health insurance is an option you should consider. Although you may have health insurance with your employer or through another company, that insurance most often does not apply if you travel overseas. When you do travel, and are in an accident or need to seek medical attention, many medical personnel will not treat you unless you have a travel health insurance plan covering the situation or you pay them on the spot. This is difficult, of course for most people. For this reason, you should consider the benefits of using travel insurance health care coverage.

There are various types of travel health insurance. A good place to start looking for the right one for you is with your credit cards. Some credit card companies do provide health insurance policies for travel needs of their users. Contact your companies to find out if you already have this type of insurance on your account.

If not, consider the type of travel health insurance out there that may be right for you. Here are a few options to consider.

• Travel Insurance or Trip Protection: These terms are basically the same thing and they imply that the insurance is used to help protect your investment into the trip. If the trip is canceled, for a qualifying reason, then you may get your money back for the trip.
• Long Term Global Insurance: For those that will travel extensively outside of the country, this may be a very helpful type of insurance coverage. It provides protection for nearly all needs.
• International Medical Insurance: This type of travel health insurance is excellent to cover emergency medical expenses that happen when you are traveling, living or even temporarily living in a foreign country. It sometimes includes accident death and dismemberment coverage, medical evacuation, reunion and much more.

Other types of travel health insurance are available too. If you are traveling into the US, you'll need Visitors to the USA policy. Student travel insurance, emergency evacuation coverage, flight accident coverage and multi trip coverage are all other options for you in travel health insurance.

While most trips come off without any type of problem, if there is a problem it helps to know that you will have travel health insurance available to you. Choose the right type and amount of coverage before you leave for your trip. The travel health insurance may be more affordable than you may think!

Does the Atlas Series Provide any Home Country Coverage?

Yes. Under certain circumstances, the Atlas Series will provide limited Home Country Coverage.

Incidental Home Country Coverage – The Atlas Series will 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 – A 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. If you started a Benefit Period while this insurance was in effect, you are covered only for Medical expenses for the duration of the Benefit Period, regardless of whether you are at home or abroad.

End of Trip Home Country Medical Coverage – If you are covered under the Atlas Series and outside of your Home Country continuously (except for covered Incidental Trips as described above) for six (6) months or more you may purchase an additional 30 days of End of Trip Home Country Medical Coverage.

Home Country Defined – If you are a US citizen, your Home Country is the United States, regardless of the location of your Principal Residence. If you are not a US citizen, your Home Country is the country where you principally reside and receive regular mail.

US citizens, as well as non-US citizens traveling outside of the US, should purchase Atlas International, which provides coverage outside of the US. Non-US citizens traveling to the United States should purchase Atlas America.

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What is Covered?

All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and Limits):

Medical:

1. Inpatient and Outpatient charges made by a Hospital

2. Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case

3. Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home

4. Charges for diagnostic testing using radiology, ultrasonographic or laboratory services

5. Charges for oxygen and other gases and anesthetics and their administration

6. Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital

7. Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization

Complications of Pregnancy: