Atlas International Insurance Reviews

Atlas International insurance benefits

• Hospital room and board	Average semi-private room rate, including nursing services.
  Intensive care unit	Up to the overall maximum limit.
  Hospital indemnity	$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
  COVID-19	Includes medical coverage for eligible expenses related to Covid-19

• Outpatient physical therapy and chiropractic care	Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).
  Urgent care center co-payment	Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible) Claims incurred outside the U.S.- No co-payment.

• Emergency local ambulance	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
  Emergency room co-payment)	Claims incurred in the U.S.- Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury) Claims incurred outside the U.S.- No co-payment.

• Emergency dental (acute onset of pain up to 72 hours)

  Up to $300 (not subject to deductible or coinsurance).

• Emergency medical evacuation	$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
  Emergency reunion	Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance)
  Repatriation of remains	Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
  Return of minor children	Up to $50,000 (not subject to deductible or coinsurance).
  Trip Interruption	Up to $10,000 (not subject to deductible or coinsurance).
  Travel Delay	Up to $100 a day after a 12-hour delay period, maximum of 2 days.
  Emergency reunion	Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance)
  Natural disaster evacuation	Up to $250 a day for 5 days (not subject to deductible or coinsurance).
  Emergency Eye Exam for a Covered Loss	Up to $150. $50 deductible per occurrence (plan deductible is waived).
  Political evacuation	Up to $100,000 lifetime maximum (not subject to deductible or coinsurance).
  Benefit Period	90 days per certificate period.
  Personal liability	Up to $25,000 lifetime maximum Up to $25,000 third person injury Up to $25,000 third person property Up to $2,500 related third person property Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit).
  Local Burial or Cremation	Up to $5,000 lifetime maximum.

• Accidental death & dismemberment	Members under age 18: Up to $5,000 lifetime maximum. Members age 18-69: Up to $25,000 lifetime maximum. Members age 70-74: Up to $12,500 lifetime maximum. Members age 75 and older: Up to $6,250 lifetime maximum. $250,000 maximum benefit any one family or group. Accidental death & dismemberment buy up: $25,000
  Common carrier accidental death	Up to $50,000 for ages 18 through 69 Up to $10,000 under age 18 Up to $25,000 for ages 70 through 74 Up to $12,500 for ages 75 and older Maximum of $250,000 for any one family or group.

• Terrorism	$1,000 maximum limit. Not subject to deductible
  Lost or Stolen Passport/Travel Visa	Up to $100 – not subject to deductible
  Pet return	Up to the maximum limit
  Seatbelt benefit	Up to $1,000 (not subject to deductible or coinsurance).
  Bedside visit	Up to $1,500 (not subject to deductible or coinsurance).
  Optional Crisis Response Rider with Natural Disaster Evacuation	Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit
  Border entry protection	Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border(not subject to deductible).

• Acute Onset of Pre-Existing Condition*

  Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.