Review of Atlas Professional from Travel Insured International

Editor Review

The Good: This plan provides good travel medical coverage with few extras – lost baggage, reimbursement for lodging displacements due to natural disasters, and an optional medical upgrade for higher limits in the event of an injury or illness due to a terror attack.

The Drawbacks: You must be under age 66 and maintain health insurance in your home country.

The Bottom Line: This plan provides travel medical and flight accident coverage for one full year for the professional frequent traveler, so coverage is automatically in place even for last-minute international trips.

Quote and buy direct: Get a quote directly at the Travel Insured website. A good choice if you know you want a Travel Insured plan and are ready to enroll.

Coverage

Benefits	Maximum
Medical expenses	$1,000,000 ($250 deductible per person per trip)
Emergency dental	$100
Emergency evacuations	$500,000
Repatriation	Up to plan maximum
Flight accident AD&D	$50,000
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Plan certificate period is for 12 months and covers all trips outside your home country of 30 days or less during that period.
Home country coverage is available for up to 15 days per every 3 months of coverage purchased.
Evacuations include political evacuations (up to $10,000) as well as emergency medical evacuations, plus return of minor children and emergency reunion with a relative.
In addition to flight AD&D, this plan provides 24-hour AD&D up to $25,000.
Replacement accommodations up to $100 per day in the event you are displaced from pre-paid accommodations at your destination as a result of a natural disaster.
Plan includes trip interruption coverage to reimburse you for the cost of return airfare when you have to return home for a covered reason.
Plan includes lost baggage coverage up to $250 and lost luggage tracking assistance.
Travel assistance services are included for embassy referrals, legal referrals, and translation services.
Hospital indemnity up to $100 per day.
Coverage for your spouse (up to 66 years) and children (up to 18 years) is available provided they each maintain medical insurance within their home country as well.

Optional Coverage

The following optional coverage is available when you purchase this plan:

Optional sports rider available.
Optional terrorism rider for additional medical coverage (limits apply).

Limitations

The following are the limitations on this plan’s coverage:

Claims incurred inside the U.S. or Canada are subject to coinsurance and paid at 80% to the next $5,000 after the deductible, then at 100% to the overall plan maximum.
Terrorism covered up to $50,000 lifetime maximum – medical expenses only. (Consider the optional rider for higher limits.)
Plan deductible is $250 per person per trip.
Coverage for pre-existing medical conditions is limited to $5,000 for medical and $25,000 for evacuation.

Related Travel Insured International Plans

Quote and buy direct: Get a quote directly at the Travel Insured website. A good choice if you know you want a Travel Insured plan and are ready to enroll.