International Travel Insurance: Who Might Benefit from a Plan?
Today more than ever people are reaching out across the globe and seeing just what is on the other side. The experiences are immeasurable, but it sometimes takes quite a bit of prep work to get there. With such a journey ahead, it's no wonder why so many overlook the importance of having an international travel insurance plan until they need it. So, just who would benefit from an international travel insurance plan?
Select Who You Are:
Missionaries:
Whether this is the first time doing missionary travel or the third, finding international travel insurance is a must before leaving. Many volunteers do not know that their domestic insurance plan may not provide coverage while overseas. In some cases, there may be some coverage, but at a reduced amount. This is definitely not a detail to find out in an emergency.
There are international travel medical insurance options available that are affordable. The plan suitable for your needs depends on the amount of coverage required and the length of stay overseas. A couple of plans to consider are:
| Atlas Travel | CitizenSecure® | |
|---|---|---|
| Local Ambulance | Usual, Reasonable & Customary | Usual, Reasonable & Customary |
| Optional Sports Rider | Overall max limit of policy | Injries covered the same as any other |
| Payment Options | Full payment required prior to Effective Date | Monthly, Quarterly, Semi-Annual or Annual Payment Options |
| Coverage Area | Worldwide, with Limited Home Country Coverage | Worldwide with Option to include or exclude the US/Canada |
| Home Country Coverage | Up to 15 days per 3 months of coverage | Less than 6 months of any given year |
| Deductibles | $0 to $2,500 | $250 to $5,000 |
| Overall Maximum | $50,000 to $1,000,000 | $5,000,000 |
| Emergency Reunion³ | $15,000 | $10,000 |
| Emergency Medical Evacuation³ | $500,000 Lifetime Maximum | $50,000 Lifetime Maximum |
| Wellness² | Not Included | Children under 19 get 3 visits per Certificate Period; additional benefits for members over 30 (not subject to deductible or coinsurance) |
| Lost Checked Luggage³ | $250 | Excluded |
| Trip Interruption³ | $5,000 | Excluded |
| Maternity | Complications of pregnancy for the first 26 weeks of pregnancy | 50% of the first $100,000 after deductible, then 100% up to $250,000 maximum² |
| Dental |
Emergency Dental: Accident up to Overall Maximum; Acute Onset of Pain $100 limit | Emergency Dental for a covered injury; Optional benefit available for preventive, basic, and major services |
Beyond just the coverage benefits listed in the chart above, both of these international travel insurance plans come with several complimentary travel assistance services.
List of ServicesQuoting these international travel insurance plans is as simple as a few clicks of your mouse. Review your options and then apply today.
back to topStudents:
For parents who are saying good bye to their college-aged child who is leaving to participate in a study abroad program, knowing your child is safe and covered is priceless. Did you know that many health insurance plans do not cover your dependents overseas? With so many factors to consider, it might be a little daunting to know just where to start looking. Many have found from experience that just choosing the cheaper travel insurance quote you find, without comparing the plan coverage and benefits, can end up not being the best deal. However, with the right plan, you can have both.
So, how do you get this affordable international travel insurance? The first step is making sure the plan covers your student in the event of an accident or illness while doing their studies abroad. Two plans to really take a look at are:
| Atlas Travel | StudentSecure® | |
|---|---|---|
| Benefit | Limit | Limit (Select Plan Only) |
| Coverage Area | Worldwide, with Limited Home Country Coverage | Worldwide, with Limited Home Country Coverage |
| Are You a Student or Scholar? | Not a requirement | If Yes, you are eligible for one of our StudentSecure® plans |
| Plan Options | Atlas America or Atlas International (features in this chart) | StudentSecure® Select (featured in this chart) and StudentSecure® Budget |
| Payment Options | Full payment required prior to Effective Date | Monthly or Single Payment Options |
| Pre-existing Conditions | If related to an Acute Onset of a Pre-existing Condition: $15,000 Lifetime for Eligible Medical Expenses or $25,000 Lifetime for Emergency Medical Evacuation (Available to Members under age 70) | Covered after 12 months |
| Deductibles | $0 to $2,500 | $100 per injury/illness ($50 if use the student health center) |
| Prescription Drugs | Usual, Reasonable & Customary for covered injuries/illnesses | 50% of actual charge |
| Ambulance | Usual, Reasonable & Customary | $350 per illness/injury if hospitalized as inpatient |
| Emergency Medical Evacuation³ | $500,000 Lifetime Max | $300,000 student, $50,000 spouse, $50,000 child |
| Emergency Reunion³ | $15,000 | $2,500 Lifetime Max |
| Emergency Dental | Accident up to Overall Maximum; Acute Onset of Pain $100 limit (not subject to deductible or coinsurance) | $250/tooth, $500 max |
| Lost Checked Luggage³ | $250 | Not available |
| Optional Sports Rider | Overall max limit of policy | Not available |
| Intercollegiate Sports | Not included | $5,000 max per injury/illness (Eligible Medical Expenses only) |
| Trip Interruption³ | $5,000 | Not available |
Both international travel insurance plans offer an array of benefits and coverage for medical expenses, emergency medical evacuation, and acts of terrorism. They also include additional free travel assistance services.
List of ServicesWith international travel insurance, your student can concentrate on their studies and you can let them go with less worry.
Compare international travel insurance quotes for these and other international travel insurance plans.
back to topVacationers:
Packing for your big family vacation abroad? Making sure your family is safe goes beyond just packing aloe and bandages for those little mishaps. It means being prepared for the bigger “uh ohs” as well. You may not have even been aware of this, but your domestic health insurance may not go with you when you step off the plane and onto those sandy beaches. If you’re vacationing outside your home country, consider purchasing international travel insurance. There are some really affordable options available and taking just a few minutes to check them out could save you a headache later. If you are traveling with 5 or more, you qualify for the group rates with the Atlas Travel plans:
Atlas Travel & Atlas Group Highlights | |
|---|---|
| Trip Interruption | $5,000 max |
| Coverage | Worldwide |
| Deductibles | $0 to $2,500 |
| Coinsurance (US & Canada) | 80% of first $5,000 after deductible, then 100% Coinsurance is waived if PPO is used |
| Coinsurance (Outside US & Canada) |
100% after deductible |
| Emergency Medical Evacuation³ | $500,000 lifetime max |
| Ambulance | Usual, Reasonable & Customary |
| Intensive Care Unit (ICU) | Usual, Reasonable & Customary |
| Optional Sports Rider | Overall Max Limit of Policy |
| Lost Checked Luggage³ | $250 |
| Natural Disaster³ | Up to $100/Day, 5 Day Max |
| Emergency Dental | Accident Covered as Part of Policy Overall Max |
A great added feature is that both of these plans come with tons of free travel assistance services. It’s your vacation too, so let someone else help handle the mess if one occurs.
List of ServicesIn less time than it took to fill out your Passport applications, you can get personalized international travel insurance quotes for your family, apply for coverage and print out your identification cards.
back to topBusiness Travelers:
Ah, traveling for business. Sometimes it can be fun getting out of the office, seeing new places, and meeting new people. And, sometimes it can seem like you’re living out of your suitcase and spending all your time running from one connection to the other. Either way, you probably have plenty of things to worry about, so stopping to figure out if you’re covered by your insurance plan while in Tokyo may not be on the to-do list. Keep things simple, with the right international travel insurance plan, you can go from Tokyo to London to Taiwan and feel assured you’re covered. If you travel often for work, you have several options to choose from. Two plans that might fit the bill are:
| Atlas Travel | Atlas Professional | |
|---|---|---|
| Emergency Reunion³ | $15,000 | $15,000 |
| Local Ambulance | Usual, Reasonable & Customary | Usual, Reasonable & Customary |
| Intensive Care Unit (ICU) | Usual, Reasonable & Customary | Usual, Reasonable & Customary |
| Trip Interruption³ | $5,000 | $5,000 |
| Coinsurance (Outside US & Canada) |
100% After Deductible | 100% After Deductible |
| Coinsurance (US & Canada) |
80% of first $5,000 after Deductible, then 100% Coinsurance is waived if PPO is used | 80% of first $5,000 after Deductible, then 100% Coinsurance is waived if PPO is used |
| Wellness | Not Included | Not Included |
| Emergency Medical Evacuation³ | $500,000 Lifetime Maximum | $500,000 Lifetime Maximum |
| Optional Sports Rider | Overall Maximum Limit | Overall Maximum Limit |
| Prescription Drugs | Usual, Reasonable & Customary for covered injuries/illnesses | Usual, Reasonable & Customary for covered injuries/illnesses |
| Lost Checked Luggage³ | $250 | $250 |
| Coverage Area | Worldwide, with Limited Home Country Coverage | Outside of Home Country during trips of 30 days or less |
| Dental | Accident up to Overall Maximum; Acute Onset of Pain $100 limit (not subject to deductible or coinsurance) | Accident up to Overall Maximum; Acute Onset of Pain $100 limit (not subject to deductible or coinsurance) |
| Pre-existing Conditions | If related to an Acute Onset of a Pre-existing Condition: $15,000 Lifetime for Eligible Medical Expenses or $25,000 Lifetime for Emergency Medical Evacuation (Available to Members under age 70) | If related to an Acute Onset of a Pre-existing Condition: $5,000 Lifetime for Eligible Medical Expenses or $25,000 Lifetime for Emergency Medical Evacuation |
| Overall Maximum Limit | $50,000 to $1,000,000 | $1,000,000 |
| Deductibles Available | $0 to $2,500 | $250 per covered trip |
To add to your ease a little more, both of these plans come with these travel assistance services without charge.
List of ServicesTake a few minutes during your next coffee break and get some personalized quotes for these international travel insurance plans.
back to topAdventurers:
Bug spray, check. Muscle rub, check. Safety gear, double check. International travel insurance coverage, missing…
For the adventurous traveler, the goal of the challenge ahead is the end all, be all. However, as willing as you may be to take on physical endurance, you may not be as willing to pay for the medical expenses if an accident occurs and you find out your domestic insurance doesn’t cover you. With the optional Sports Rider that can be added to an Atlas Travel international travel insurance plan, you can be prepared for the unexpected. Some daredevil appropriate benefits are:
Atlas Travel & Atlas Group Highlights | |
|---|---|
| Trip Interruption | $5,000 |
| Coverage | Worldwide |
| Deductibles | $0 to $2,500 |
| Coinsurance (US & Canada) | 80% of first $5,000 after Deductible, then 100%; Coinsurance is waived if PPO is used |
| Coinsurance (Outside US & Canada) | 100% after Deductible |
| Emergency Medical Evacuation | $500,000 Lifetime Max |
| Ambulance | Usual, Reasonable & Customary |
| Intensive Care Unit (ICU) | Usual, Reasonable & Customary |
| Optional Sports Rider | Overall Max Limit of Policy |
| Lost Checked Luggage |
$250 |
| Natural Disaster | $100/Day, 5 Day Max |
| Emergency Dental | Accident Covered as Part of Policy Overall Max |
Just to make the pot even sweeter, this affordable international travel insurance plan also comes with free travel assistance services.
List of ServicesIf you’ve got access to the internet, you can run a quote, apply, print your ID card and be on your way for less time than it takes to get a pizza delivered. So why add a potential financial risk to your adventure?
Get a free international travel insurance quote and leave the thrill with the rapids.
back to top¹ The claim example provided above is based on actual claims handled by the insurer of these plans. Coverage for similar claims is not to be inferred from the above example, as all claims are determined to be eligible/ineligible based on the applicable insurance policy and the facts and circumstances of each claim.
² After specified waiting period.
³ Not subject to Deductible or Coinsurance.
