Review of Atlas Travel from Travel Insured International

Editor Review

The Good: This plan includes a number of travel medical benefits: including emergency evacuations (medical and political), coverage for acts of terror, complications of pregnancy and a few package-like benefits including lost baggage coverage and travel assistance services. It also allows you to choose the deductible and maximum coverage limits to tailor the policy to your needs.

The Drawbacks: Coverage for pre-existing conditions and terrorist attacks is limited.

The Bottom Line: This is an excellent plan for those who want medical coverage outside their home country. It provides for the typical travel medical benefits and throws in a few extras to ease the risks of foreign travel. The period of coverage is a minimum of 5 days but can be up to 12 months (renewable up to 2 additional years).

Where to buy Atlas Travel from Travel Insured International

Quote and buy direct: Get a quote and buy online at the Travel Insured International website.

Coverage

Benefits	Maximum
Medical expenses	$50,000 – $1,000,000 (deductibles apply)
Emergency dental	$100
Emergency evacuations	$500,000
Repatriation	Up to plan limits
Flight accident AD&D	$50,000
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Coverage for pre-existing medical conditions for those under age 70 included in base plan (up to $15,000 medical, and $25,000 evacuation).
Coverage is available to those over age 70 (with reduced maximum limits).
Coverage period is a minimum of 5 days up to a period of 12 months.
Available to U.S. citizens and non U.S. citizens.
Plan includes $25,000 in 24-hour AD&D.
Replacement accommodation reimbursement up to $100 per day if you are displaced from pre-paid accommodations at your destination as a result of a natural disaster.
Evacuation coverage includes political evacuations as well as return of minor children and a bedside visit from one relative.
Home country coverage for up to 15 days of incidental trips to your home country for every 3 months of coverage purchased.
Hospital indemnity up to $100 per night you spend there – in addition to other payments and not subject to deductibles.
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.
Coverage can be extended up to 36 months.

Optional Coverage

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

Optional sports rider available for those who participate in amateur sports.

Limitations

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

Plan included deductibles from $0 to $2,500 per certificate period.
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% up to overall plan maximum.
Terrorism covered up to $50,000 lifetime maximum – medical expenses only.
Add the sports rider and the AD&D benefit is eliminated.