Why Buy Travel Health Insurance
Health Coverage that Goes Far & Beyond
- Short Term Travel Medical Insurance
- Emergency Medical Evacuation
- Astonishing Travel Assistance Services
The industry-leading Atlas Travel Series now includes many new benefits, services and features that make it the best option for individuals and families who travel internationally. This International Health Insurance policy now includes a benefit to be used in case of Natural Disasters and improved coverage for Incidental Trips Home. This innovative product also includes coverage for Acts of Terrorism and Complications of Pregnancy.
Non-US citizens traveling outside of the US will benefit from our updated rating structure. 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. All of this with the same astonishing service you have come to expect from Tokio Marine HCC, the leader in Travel International Health Insurance Coverage.
Why Buy International Travel Health Insurance?
The answer is easy. Whether you travel for business or pleasure, international travel involves risk. You may arrive at your destination to find that your luggage with personal items has disappeared. A personal emergency may necessitate your early return to your Home Country. A medical emergency may require hospitalization or even air evacuation. In most cases, your existing insurance will not provide adequate protection for these and other risks. Without appropriate International Travel Health Insurance Coverage, you may be exposed to significant financial liability. Tokio Marine HCC – MIS Group can’t take the risk out of international travel, but if the unforeseen happens, we will be there to help you with our International Health Insurance.
Am I Eligible for the Atlas Series?
If you are traveling outside of your Home Country and are at least 14 days old, you are eligible for International Travel Health Insurance 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
When Does Coverage Become Effective and When Does it End?
Your International Travel Health Insurance Coverage becomes effective on the latest of: the moment we receive your Application and correct premium (if Application and payment is made online or by fax), 12:01am US Eastern Time on the date we receive your Application and payment (if Application and payment is made by mail), the moment you depart from your Home Country, or 12:01am US Eastern Time on the date you request on your Application. Your International Health Insurance coverage will end on the earliest of: 12:01am US Eastern Time on the last day of the period for which you have paid a premium, 12:01am US Eastern Time on the date requested on your Application, or the moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage).
Does the Atlas Series Provide any Home Country Coverage?
Yes. Under certain circumstances, the Atlas Series International Health Insurance will provide limited Home Country Coverage.
Incidental Home Country Medical Coverage – For every 3 months of coverage purchased, the Atlas Series provides up to 15 days of incidental coverage for trips to your Home Country. Incidental visit time must be used within the three-month period earned, and the member must continue his or her 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 – If you started a Benefit Period while this insurance was in effect, you are covered for Medical expenses only for the duration of the Benefit Period, regardless of whether you are at home or abroad. 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. Only eligible Medical expenses related to the Injury or Illness that began while abroad are covered during the Benefit Period.
End of Trip Home Country Medical Coverage – If you are covered under the Atlas Series International Health Insurance 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.
Which Plan Should I Purchase?
All US citizens should purchase Atlas International Health Insurance, which provides coverage for outside of the United States. Non-US citizens traveling outside of the US should purchase Atlas International Health Insurance. Non-US citizens traveling to the United States should purchase Atlas America.
Get your FREE International Health Insurance quote today!