International Travel Health & Medical Insurance Plans

Welcome to TravelHealthInsurance.net - Your Travel Health Insurance Experts Questions? Call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854 (TravelHealthInsurance.net is a division of TripInsuranceStore.com)

Travel Health Insurance / Travel Medical Insurance Guaranteed Issue Emergency Travel Insurance Plans

If you need temporary medical insurance while traveling for business or pleasure anywhere outside your country of citizenship, these are the plans for you. Coverage includes medical evacuation, repatriation, and your choice of deductibles and policy limits.

You can also get Trip Cancellation & Interruption Plans in case you're unexpectedly unable to travel or are interrupted during your trip due to unforeseen circumstances.

• US Citizens living outside the USA cannot get an Atlas Plan to cover them when they are returning to the USA for a visit.

• If you are a US Citizen living outside the USA, click here to find a Travel Health Insurance plan to cover you when you are returning to the USA for a visit.

Major medical travel health insurance is a good fit for you if:

You are in good health today
You are calling your parents to visit you
You do not need to cover routine treatments or ongoing medical conditions
You want a deductible to save money
You have open-ended travel dates
You want Major Medical Travel Insurance
You can get this before or during your trip
You do not want to protect your trip if you have to cancel or interrupt your trip.

Click here to find Trip Cancellation plans if you live in the US or Canada or Click here to find Trip Cancellation plans if you live outside the US or Canada

The industry-leading Atlas Travel Series includes many benefits, services and features that make it a leading option for individuals & families who travel internationally. The policy now includes:

Acute Onset of Pre-existing Condition Coverage for persons under age 70 See the details.
Natural Disasters coverage
Expanded coverage for Incidental Trips Home See the details.
Includes coverage for Acts of Terrorism, Political Evacuation, and Complications of Pregnancy.
You can extend and/or renew your coverage for up to 36 months
State of the art travel and emergency medical assistance services

Acute Onset of a Pre-Existing Condition: Acute Onset of a Pre-Existing Condition: If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Eligibility

Atlas America – Only non-US Citizens who are at least 14 days of age are eligible for coverage under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $50,000 Overall Maximum. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.

Atlas International – Only US Citizens and non-US citizens whose travel does not include the US, except US citizens whose travel includes an Incidental Trip to the US, and who are at least 14 days of age are eligible for coverage under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $50,000 Overall Maximum. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.

Home Country Coverage

Benefit Period – In the event a Member begins a Benefit Period while the Certificate is in effect, and the Certificate terminates because the Member returns to his/her Home Country, Underwriters will pay Eligible Medical Expenses, as defined herein, which are incurred in the Member’s Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses.

End of Trip Home Country Coverage – In the event a Member is covered hereunder and is outside his or her Home Country continuously for six (6) months or more, the Member may purchase an additional 30 days of End of Trip Home Country Coverage. Home Country Coverage applies only to Eligible Medical Expenses.

Incidental Home Country Coverage – For each three (3) months during which a Member is covered hereunder, Medical Expenses only are covered during incidental trips totaling no more than 15 days duration per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Member’s Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.

Atlas' Schedule Of Benefits And Limits

A brief description is below. For complete coverage, terms, conditions and exclusions, click here to to view or download the Atlas Travel Series Description of Coverage.

Click here for Atlas' secure online quote & order form

Deductibles	$0, $100, $250, $500, $1,000 or $2,500 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 will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider.
Coinsurance – Claims incurred outside 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 rate, including nursing services.
Local Ambulance	Usual, Reasonable and Customary charges, when covered Illness or Injury results in hospitalization as Inpatient.
Intensive Care Unit	Usual, Reasonable and Customary charges.
Hospital Indemnity	$100 per day of Inpatient hospitalization (not subject to Deductible or Coinsurance)
Physical Therapy	$50 Maximum per visit
All Other Eligible Medical Expenses	Usual, Reasonable and Customary charges
Acute Onset of Pre-existing Condition	$15,000 Maximum for Eligible Medical Expenses $25,000 Maximum for Emergency Medical Evacuation Only available to Members under age 70
Emergency Dental (Acute Onset of Pain)	$100 limit per Certificate Period
Emergency Medical Evacuation	$500,000 Lifetime Maximum (except as provided under Acute Onset of Pre-existing Condition)
Return of Minor Children	$5,000 per Certificate Period
Repatriation of Remains	Overall Maximum Limit
Emergency Reunion	$15,000 limit per Certificate Period (subject to a maximum of 15 days)
Natural Disaster	Maximum $100 a day for 5 days (not subject to Deductible or Coinsurance)
Trip Interruption	$5,000 limit per Certificate Period
Lost Checked Luggage	$250 limit per Certificate Period (not subject to Deductible or Coinsurance)
Political Evacuation	$10,000 Lifetime Maximum
Terrorism	$50,000 Maximum Lifetime Limit, Eligible Medical Expenses only.
Accidental Death and Dismemberment (excludes loss due to Common Carrier Accident)	Members age 18 and older Death - $25,000 Loss of 2 Limbs - $25,000 Loss of 1 Limb - $12,500 Benefits reduce 50% at age 70 and an additional 50% at age 75. Members under age 18 Death - $5,000 Loss of 2 Limbs - $5,000 Loss of 1 Limb - $2,500 $250,000 Maximum Benefit any one family
Common Carrier Accidental Death	Members age 18 and older $50,000 per Member Members under age 18 $25,000 per Member
Hospital Pre-certification Penalty	50% of Eligible Medical Expenses.
Optional Hazardous Sports Rider	Overall Maximum Limit
Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment, Emergency Medical Evacuation and Common Carrier Accidental Death)	Age 80 or older: $10,000. Age 70 to 79: $50,000. All others: $50,000, $100,000, $250,000, $500,000 or $1,000,000

Click here for Atlas' secure online quote & order form

Patriot Extreme^® Travel Medical Insurance

Patriot Extreme is designed for the adventurous international traveler. Patriot Extreme provides benefits for those traveling abroad who also intend to participate in a select group of athletic activities.

Steve, Thank you for the suggestion - I went ahead and booked the Patriot Extreme insurance for my Mt. Kilimanjaro trek. Anne A., Atlanta, Georgia, USA

Click here to see the Patriot Extreme detailed plan description page

Patriot T.R.I.P. Trip Cancellation & Interruption Plans

How Does Travel, Trip & Cruise Cancellation / Interruption Insurance Work?

Trip Cancellation Travel Insurance reimburses you the money you'd lose if you can't travel or are forced to return home early by unforeseen events like:

• Your emergency illness, injury or death, or that of a family member, a business partner, a travel companion, or a travel companion's family member (and your doctor advises you against traveling). Travel Insurance reimburses you the money you lose.
• You get hurt (ie- hit by a cement truck) or sick on your trip. Travel Insurance pays your medical expenses including emergency medical transportation.
• Your luggage is delayed, lost, stolen or damaged. If your checked luggage doesn't arrive within 24 hours after you do, you can be reimbursed for items you need to buy. Or if it's damaged or never arrives, you can be covered.

A "covered trip" is any travel and sojourn to a destination more than 120 miles from the starting point of the covered trip and not exceeding 30 consecutive days.

Patriot T.R.I.P. ^SM
Basic Trip Cancellation Insurance

The Patriot T.R.I.P. plan helps protect you from losing the money you've spent to travel. Patriot T.R.I.P. gives you protection if you are unexpectedly unable to travel or are interrupted during your trip due to unforeseen circumstances such as illness or injury, jury duty, job layoff, terrorism or the bankruptcy of the tour operator, cruise line or airline.

Patriot T.R.I.P. provides protection to travelers who are unable to travel or are interrupted during their trips due to circumstances such as illness or injury, jury duty, job layoff, terrorism or the financial default of the tour operator, cruise line or airline.

Click here to see the Patriot T.R.I.P. detailed plan description page

Patriot T.R.I.P. Elite ^SM
Premier Trip Cancellation Insurance

The Patriot T.R.I.P. Elite plan gives you superior protection. Patriot T.R.I.P. Elite provides coverage for many of those unforseen circumstances that may force the cancellation or interruption of your covered trip.

In addition, this program can provide benefits for travel delays, baggage delays, emergency medical treatment and medical evacuation while you are away from home.

Click here to see the Patriot T.R.I.P. Elite detailed plan description page

Questions?
Call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.

We want to earn your Travel Insurance business. When you're ready to get Travel Insurance, just call us or follow the online purchase link. If you buy online, we get credit for your business even though the transaction takes place on their secure website. Questions? Call Steve, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854.

Protect Yourself and Travel with Peace of Mind

If the icon's colored, we're available right now for chat / instant messaging. You can leave us a message if it's gray.

TravelHealthInsurance.net
PO Box 466
Owatonna, MN 55060
Local: 507-214-3854
Toll free (US & Canada): 1-888-407-3854

Office hours: (Eastern Time Zone)
Monday - Friday = 8:30 am - 9:00 pm
Saturday, Sunday & Holidays = 10:00 am - 5:00 pm

Email Contact Form for Travel Health Insurance

We have multiple phone lines so you will probably reach Steve, Deanna, Becky, Teresa or Mary live. If you get our voicemail, leave a message - we return calls promptly.

TravelHealthInsurance.net is a division
of TripInsuranceStore.com