Question 1

What is Atlas Travel Insurance?

Accepted Answer

Atlas Travel Insurance is a short-term travel health insurance plan that provides coverage for individuals traveling outside their home country for business or leisure. Coverage duration ranges from 5 to 364 days.

U.S. and non-U.S. citizens at least 14 days old are eligible for coverage while traveling outside their home country. U.S. citizens and residents are not eligible for coverage within the U.S., except under specific provisions.

Question 2

What is the maximum coverage limit?

Accepted Answer

Coverage limits range from $50,000 to $2,000,000, depending on the insured person's age and selected plan. Individuals aged 80+ have a maximum limit of $10,000.

Question 3

Does Atlas Travel Insurance cover pre-existing conditions?

Accepted Answer

No, Atlas Travel Insurance does not cover any charges related to pre-existing conditions. However, it provides limited coverage for the acute onset of a pre-existing condition if treatment is received within 24 hours of onset, and other conditions outlined in the policy are met.

Question 4

What is considered an “acute onset” of a pre-existing condition?

Accepted Answer

An acute onset is a sudden and unexpected outbreak or reoccurrence of a pre-existing condition that requires immediate medical attention. It does not apply to chronic or congenital conditions, and the insured must not be traveling with the intent to seek treatment.

Question 5

Does the policy cover emergency medical evacuation?

Accepted Answer

Yes, emergency medical evacuation is covered if a physician certifies that it is medically necessary and that transportation by any other means would result in loss of life or limb. Travel arrangements must be pre-approved by the insurance provider.

Question 6

Are emergency dental treatments covered?

Accepted Answer

Yes, emergency dental treatment is covered if it is necessary to relieve acute pain or restore/replace teeth lost or damaged in a covered accident. Routine dental care or damage from non-covered events is not included.