Atlas Travel Insurance
MNUI

 

Who is the Insurer

Lloyd's, the largest and oldest insurance market in the world is the insurer of the Atlas Series. Rated A by AM Best Company, and A+ by Standard and Poors, Lloyds provides financial strength and security that is unparalled in the worldwide insurance market. Lloyds is recognized as a market leader in the accident and health insurance area, and is well known for its innovative products and services. Presently, Lloyd's provides accident and health insurance to millions of individuals in almost every country of the world.

Who are the administrators?

Multinational Underwriters, Inc. (MNUI). Please check the side buttons for further information.

Why Buy Travel Insurance?

Whether you travel for business or pleasure, international travel involves risk. You may arrive at your destination to find that your luggage with personal items has disappeared. A personal emergency may necessitate your early return to your Home Country. A medical emergency may require hospitalization or even air evacuation. In most cases, your existing insurance will not provide adequate protection for these and other risks. Without appropriate travel insurance, you may be exposed to significant financial liability. MultiNational Underwriters, Inc. has designed The Atlas Series to take the risks out of international travel, so you can have an enjoyable and productive trip.

Am I Eligible for the Atlas Series?

If you are traveling outside of your Home Country and are at least 14 days old, you are eligible for coverage. If you are under age 70, you may select your Overall Maximum Limit, ranging from $50,000 to $1,000,000. If you are age 70 to 79, the Overall Maximum Limit available is $50,000. If you are age 80 or older, the Overall Maximum Limit available is $10,000. The minimum coverage period is 15 days and the maximum coverage period is 12 months. You may purchase coverage in a combination of monthly and 15-day increments, depending on your needs.

When Does Coverage Become Effective and When Does It End?

Your Trip Cancellation coverage becomes effective on the later of: the date we receive your Application and correct premium, or 10 days prior to your scheduled departure. The rest of your coverage becomes effective on the later of: the date we receive your Application and correct premium, the date 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 date you return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage under the Atlas Extra plan).

Does The Atlas Series Provide Any Home Country Coverage?

Yes. Under certain circumstances, the Atlas Series will provide limited Home Country Coverage. If you have 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 date of a covered Illness or Injury, and lasts for 180 days. If you have purchased Atlas Extra and have maintained coverage for at least 6 months, the plan provides Home Country Coverage for up to 30 days if the insurance is maintained and premiums are paid.

Which Plan Should I Purchase?

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 Extra.

Schedule of Benefits and Limits

Deductibles $100, $250, $500, $1,000 per Certificate Period
Coinsurance - Claims incurred in US or Canada For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit.
Coinsurance - Claims incurred outside of US or Canada For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
Hospital Room and Board Average Semi-private room, including nursing services.
Intensive Care Unit Three times average Semi-private room rate, including nursing services.
Outpatient Treatment Usual, Reasonable and Customary charges.
All Other Eligible Expenses Usual, Reasonable and Customary charges.
Acute Onset of Pre-existing Condition Atlas Extra - $2,500 limit; Atlas America / Atlas International - NO Coverage
Emergency Dental - Acute onset of pain $100 limit per Certificate Period
Local Ambulance $3,000 per Certificate Period
Emergency Evacuation Overall Maximum Limit
Repatriation of Remains Overall Maximum Limit
Emergency Reunion $10,000 limit per Certificate Period
Trip Interuption $5,000 per Certificate Period
Lost Checked Luggage $250 per Certificate Period
Accidental Death and Dismemberment Death - $25,000; Loss of 2 limbs - $25,000; Loss of 1 limb $12,500; Benefits reduce 50% at age 70 and an addtional 50% at age 75
Common Carrier Accidental Death $50,000
Common Carrier Accidental Death $50,000
Hospital Pre-Certification Penalty 50% of Eligible Medical Expenses

Optional Hazadous Sports Rider
$5,000 per Certificate Period
Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment and Common Carrier Accidental Death)

Age 14 days to 69 - $50,000, $100,000, $250,000, $500,000 or $1,000,000

Age 70-79 - $50,000

Age 80 or older - $10,000

By clicking the 'Get a Quote' button you will be able to taken direct to the Atlas website to check your plan choice together with premium. Should you wish to proceed then this too can be done on-line and you will receive an automated e-mail confirmation.

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