Some Frequently Asked Questions About the Atlas Travel Medical Plan
Your coverage becomes effective on the latest of: the date we receive your Application and correct premium, the moment you depart from your Home Country or the date you request on your Application. Your coverage will end on the earliest of: the end of the period for which you have paid a premium, 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 under the Atlas America plan).
Yes. Under certain circumstances, the Atlas Series will provide limited Home Country Coverage. If you purchase the Atlas Series for at least 3 months, and you purchase the Incidental Home Country Rider, you are covered for medical expenses only during one Incidental trip to your Home Country of up to 10 days. If you started a Benefit Period while your insurance under the Atlas Series 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. If you have purchased Atlas America and have maintained coverage for at least 6 months, the plan provides Home Country Coverage for up to 30 days if you purchase the 30 day period at the time of application.
You can see an overview of the benefits provided under Atlas Travel insurance coverage by visiting our Schedule of Benefits and Limits page.
After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 364 days 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.
Extensions must be made online in the Client Zone with payment by credit card.
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.
If you are a US citizen traveling abroad for 6 months or less, you should purchase Atlas International. If you are a non-US citizen traveling outside your Home Country for 6 months or less, you should purchase Atlas America. Regardless of your citizenship, if you are planning on traveling for 6 months or more, you should purchase Atlas Travel Medical Insurance.
New countries can be added via the Client Zone and a new Visa Letter can be printed listing the various countries. If you are unable to add them through the Client Zone, an email can be sent to email@example.com with the countries to be added. Be sure to include the ID numbers.