Atlas Professional Travel Medical Insurance

Schedule of Benefits

All amounts listed are in U.S. dollars. Click the titles to see further information.


PLAN INFORMATION
Deductible $250 per person, per trip
Coinsurance -- Claims incurred in US or Canada More information
For each trip, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit.
Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider.
Coinsurance -- Claims incurred outside US or Canada More information
For each trip, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit
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
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: More information
$5,000 Lifetime Limit for Eligible Medical Expenses
$25,000 Lifetime Limit for Emergency Medical Evacuation
Emergency Dental More Information
Accident: Overall Maximum Limit

Acute Onset of Pain: $100 limit per Certificate Period (not subject to Deductible or Coinsurance)
Emergency Medical Evacuation More Information
$500,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance)
Emergency Reunion More Information
$15,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Return of Minor Child More Information
$5,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Accidental Death and Dismemberment More Information
Not subject to Deductible or Coinsurance
Lifetime Maximum - $25,000 adult
$5,000 children
Death - $25,000 adult, $5,000 children under age 18
Loss of 2 Limbs - $25,000 adult, $5,000 children under age 18
Loss of 1 Limb - $12,500 adult, $2,500 children under age 18
$250,000 Maximum per family
Common Carrier Accidental Death More Information
Not subject to Deductible or Coinsurance
$50,000 per adult, $25,000 children under age 18
$250,000 Maximum per family
Repatriation of Remains Overall Maximum Limit (not subject to Deductible or Coinsurance)
Natural Disaster Benefit Maximum $100 a day for 5 days (not subject to Deductible or Coinsurance)
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 (not subject to Deductible or Coinsurance)
Trip Interruption $5,000 limit per Certificate Period (not subject to Deductible or Coinsurance)
Lost Checked Luggage $250 limit per Certificate Period (not subject to Deductible or Coinsurance)
Hospital Pre-certification Penalty 50% of Eligible Medical Expenses
Optional Sports Rider Overall Maximum Limit
Political Evacuation More Information
$10,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance)
Terrorism More Information
$50,000 Maximum Lifetime Limit, Eligible Medical Expenses only
Maximum per Injury/Illness $1,000,000
Optional Sports Rider Overall Maximum Limit
Available for extreme sports trips or the adventurous traveler for an additional 20% premium.
  • Amateur Athletics and Contact Sports and Professional Sports or Athletic Activities
  • Mountaineering above 4,500 meters
  • Aviation
  • Hang Gliding
  • Skydiving
  • Parachuting
  • Bungee Jumping
  • Snow Skiing
  • Snowboarding
  • Racing by any animal
  • Racing by Motorized Vehicle
  • Spelunking
  • Subaqua Pursuits
  • Jet Skiing
  • Any other sport or activity which is undertaken for Thrill Seeking
Overall Maximum Limit per Certificate Period (does not include Emergency Medical Evacuation) $1,000,000

* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.