tripNsure
If you become ill or have an accident thousands of miles from home, what do you do? Who will take care of you? Who will pay the bills?
Travel Insurance was developed to minimize many of these risks. It is relatively inexpensive because the great majority of travelers have no problems and return in good health. However, over the years we have had clients endure car and moped accidents, survived plane accidents, fall off cliffs, burned with lava and 1000 other situations. Some were somewhat predictable (high risk sports); others such as earthquakes, hurricanes, viral infections, were not.
What Do You Need?
Are you covered by an HMO, PPO, Major Medical or National Health Plan? If so, most often you need only a supplemental policy – one that pays what your primary coverage does not pay – Medical Evacuation would be one item not usually covered by an HMO/PPO.
If you have no other insurance, you need a Major Medical Plan good worldwide with a maximum limit of $250,000 to $1,000,000 or more. Because medical care is less expensive overseas, the premiums for these plans are quite reasonable!
Note: In my eighteen years in International Insurance, I have never seen policies that give adequate coverage to sick people traveling abroad. Pre-existing conditions are almost never covered. If cost is a factor (and it usually is!) go with a higher deductible rather than a lower maximum benefit. A $1000 or $2000 debt to a hospital can be negotiated easier than a debt of $50,000 and up! Contact us if you need additional information.
Choose from one of the following:
U.S. Citizens/Legal Residents
Overseas Travelers Protection Plan - I am going on an international trip from one to one hundred eighty days and need a supplemental travel insurance policy.
Learn More OIC Executive Plan - I travel overseas occasionally. I need a supplemental travel insurance policy that I can pay annually.
Learn More The Atlas Travels Series - I will be traveling or living internationally for less than one year and need primary High Limit Major Medical Insurance plan.
Learn More Atlas Group Travel Insurance - I have a group of 5 or more people traveling internationally for less than one year. We need a High-Limit Major Medical Insurance Plan.
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