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.

17. 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

18. Injury resulting from participation in the following activities: Amateur Athletics, Contact Sports, and professional sports or athletic activities. Non-contact and non-organized/non-sanctioned amateur sports or athletic activities engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes are not excluded except the following which 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

19. 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

20. Willfully self-inflicted Injury or Illness and immunizations and Routine Physical Exams

21. 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

22. Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder

23. Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Repatriation of Remains, Emergency Reunion, Natural Disaster and Trip Interruption sections of this insurance

24. Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s)

25. Organ or tissue transplants or related services

26. Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof

This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact MultiNational Underwriters�

What if I Plan to Participate in a Sport or Athletic Activity that is Excluded?

The Optional Hazardous Sports Rider is available for the adventurous traveler. This Rider adds coverage for the Amateur sports listed in exclusion #18. 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.

What are the Pre-certification Requirements?

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

Who is the Plan Administrator?

MultiNational Underwriters� (MNU), headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. Our international claims specialists, medical professionals and service representatives are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. Whether you have lost your luggage or are in need of Emergency Medical Evacuation, you will find our service team to be prompt, compassionate, and highly professional. 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 Atlas Travel Series. Rated �A� (Excellent) by A.M. 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.

Can Coverage Be Cancelled?

If for any reason you wish to cancel your policy, you must submit your cancellation request in writing to MultiNational Underwriters� in order to receive a refund of premium. To be eligible for a full refund, the request for cancellation must be received prior to your effective date. Cancellation requests received after the effective date will be subject to the following conditions:

1. a $25 cancellation fee will apply; and

2. only the unused portion of the plan cost will be refunded; and

3. only members who have no claims are eligible for premium refund.

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