Atlas International is an A-rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for a traveler’s temporary stay outside of their home country. The coverage duration is available from 5 days to 364 days. <\/p>\n\n\n\n
After the deductible is satisfied, the plan will pay 100% of eligible medical expenses up to the policy maximum.<\/p>\n\n\n\n
If you\u2019re getting ready for a trip, you know it can involve a fair bit of planning. From finding affordable vacation ideas to choosing the ideal flights, there are a lot of decisions to make. One decision you\u2019d probably rather not deal with is choosing a travel insurance plan. <\/p>\n\n\n\n
Unlike scouting for the best flight and hotel deals, there\u2019s nothing fun about thinking about the worst-case scenario. It\u2019s tempting to skip it altogether \u2013 but don\u2019t. Anything could happen, and it\u2019s better to be safe than sorry. <\/p>\n\n\n\n
The best travel insurance companies offer comprehensive coverage that protects your financial investment and your health.<\/p>\n\n\n\n
Atlas trip cancellation insurance plans protect you from financial loss if you cancel your trip or return home suddenly (for a covered reason). There are 3 plans to choose from \u2013 Excursion, Expedition, and Enterprise.<\/p>\n\n\n\n
As an example, the basic Atlas Excursion plan includes:<\/p>\n\n\n\n
Of course, the higher-tiered Expedition and Enterprise plans offer more coverage per category and offer extras like Cancel for Any Reason coverage and a Pre-existing Medical Conditions Waiver.<\/p>\n\n\n\n
One note about these plans \u2013 they are not easy to find on their website. In fact, you have to get a quote (and therefore, already know your plans or have made reservations) to even get access to coverage amounts. It would be nice to see coverage amounts front-and-center similar to the MultiTrip and travel medical plans \u2013 without having to put in specific information first. Anyone should be able to see up-front how much insurance is provided.<\/p>\n\n\n\n
Atlas\u2019 MultiTrip plan is a travel medical plan that covers all trips lasting up to 30 or 45 days in a 364-day period. It\u2019s an attractive solution for frequent travelers. Their MultiTrip plans include:<\/p>\n\n\n\n
Remember that while it includes trip interruption, trip delay, and baggage loss coverage, it does not include trip cancellation insurance. If you want that, you can purchase it separately.<\/p>\n\n\n\n
The cost of a travel insurance policy depends on several factors, including your age, the length and cost of your trip, whether you\u2019re traveling solo or with family, and your state of residence. To weigh your options, get an online quote directly from Atlas. <\/p>\n\n\n\n
That said, these examples help illustrate how the plans compare in terms of price.<\/p>\n\n\n\n
Consider a 33-year-old solo traveler heading to Belgium for two weeks in June. He\u2019s from the U.S. state of Georgia, and his trip costs $3,000. Here is what he would pay for each of the Atlas trip cancellation insurance plans:<\/p>\n\n\n\n
Now, if it were a family vacation with his 35-year-old wife and their two kids, ages 7 and 10. With the additional airfare, let\u2019s say the trip costs $5,500:<\/p>\n\n\n\n
In both examples, the jump from Atlas Excursion to Atlas Expedition is pretty small. Considering Atlas Expedition gets you an extra $100,000 in emergency medical coverage and the pre-existing medical conditions waiver, I think it\u2019s worth it.<\/p>\n\n\n\n
Note that adding Cancel for Any Reason coverage to the Atlas Enterprise plan would cost an extra $182. The standard trip cancellation coverage includes the most common reasons for canceling a trip, so most people probably wouldn\u2019t add it on.<\/p>\n\n\n\n
When buying the MultiTrip Plan, you can insure trips lasting up to 30 or 45 days. Here is how much it would cost to insure the travelers from the previous example for all trips taken for 364 days.<\/p>\n\n\n\n
Our 33-year-old solo traveler would pay:<\/p>\n\n\n\n
The family of 4, ages 35, 33, 10, and 7 would pay:<\/p>\n\n\n\n
The simplest way to buy any of the Atlas plans is online. Start by grabbing a quote and reviewing the coverage. If you like what you see, enter your details and your payment information, and you\u2019re good to go.<\/p>\n\n\n\n
The Atlas trip cancellation insurance plans come with a 10-day review period. This means you can request a refund within 10 days of purchasing your plan if you change your mind (as long as your coverage hasn\u2019t started).<\/p>\n\n\n\n
With the Atlas MultiTrip plan, you can request a refund any time before coverage begins.<\/p>\n\n\n\n
You have 20 days for trip cancellation insurance or 60 days for MultiTrip insurance from the day coverage ends (the last day of the certificate period) to file a claim.<\/p>\n\n\n\n
To start a claim, you must contact Tokio Marine HCC-MIS to give notice of your claim. You can do this online or by mail, and you can call to get help. They will advise what forms and information you need to provide.<\/p>\n\n\n\n
The in-depth exclusion details vary by plan and can be found in your plan certificate. Here are a few things worth noting.<\/p>\n\n\n\n
The Atlas trip insurance plans define a pre-existing medical condition as one you had in the 60 days preceding your scheduled departure. That 60 days is called the look-back period. Pre-existing conditions are handled differently based on the type of travel insurance you purchase.<\/p>\n\n\n\n
The Atlas Excursion plan does not cover pre-existing medical conditions in any circumstance. For some, this is a good reason to buy the Atlas Expedition or Enterprise plans instead.<\/p>\n\n\n\n
The Atlas Expedition and Enterprise plans have a pre-existing conditions waiver. That means that if you meet certain criteria, your trip cancellation, interruption, and medical benefits will cover your pre-existing medical conditions. These are the criteria:<\/p>\n\n\n\n
The Atlas MultiTrip plan has a look-back period of two years. That means a condition is considered pre-existing if you had it in the two years prior to the beginning of your coverage.<\/p>\n\n\n\n
The MultiTrip plan does not cover pre-existing medical conditions except in cases of acute onset. Acute onset means a sudden, unexpected, brief flare-up that requires urgent care (excluding chronic or congenital conditions).<\/p>\n\n\n\n
There\u2019s a whole list of adventure sports that aren\u2019t covered. That means if you sustain an injury while taking part in one, Atlas won\u2019t pay your claim. Here are a few notable exclusions:<\/p>\n\n\n\n
If any of these are an important part of your travel plans, you should look elsewhere for your insurance needs. We recommend checking out World Nomads<\/strong>, which is known for its adventure sports coverage.<\/p>\n\n\n\n It\u2019s important to note that baggage\/personal effects and baggage delay coverage do not cover loss or damage to medical items you may travel with. This includes:<\/p>\n\n\n\n The best course of action is to keep these items in your carry-on luggage to reduce the chance of loss or damage.<\/p>\n\n\n\n As is the case with most travel insurance providers, Atlas does not cover losses related to:<\/p>\n\n\n\n Again, consult your plan certificate for the full list of exclusions.<\/p>\n\n\n\nLost or damaged medical items<\/strong><\/h3>\n\n\n\n
\n
Standard Exclusions<\/strong><\/h3>\n\n\n\n
\n
Atlas Insurance: Pros and cons<\/strong><\/h2>\n\n\n\n