There is no national health insurance in the United States, so you will have to provide your own insurance. If you would like, we can provide insurance for the duration of your stay in the U.S. Our insurance provider is Atlas Group Travel Insurance, provided by MultiNational Underwriters® - (MNU). This Group Travel Insurance is for groups of 5 or more people traveling to countries other than their own for business or pleasure.
The Atlas Group Travel Series includes many benefits, services and features that make it the best option for student groups and organizations that travel internationally. The policy includes a benefit to be used in case of Natural Disasters and improved coverage of Incidental Trips Home. This innovative product also includes coverage for Acts of Terrorism and Complications of Pregnancy. Non-US citizens traveling outside of the US will benefit from MNU's updated rating structure. State of the art travel and emergency medical assistance services are part of every Atlas Group Travel Series plan. All of this with the same astonishing service you have come to expect from MultiNational Underwriters®, the leader in international travel medical insurance.
Why Buy Travel Insurance?
The answer is easy. Whether your group is traveling for business or pleasure, international travel involves risk. You may arrive at your destination to find that a member of your groups luggage with personal items has disappeared. A personal emergency may necessitate early return home for a member of your group. 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, members of your group may be exposed to significant financial liability. MultiNational Underwriters® cant take the risk out of international travel, but if the unforeseen happens, MNU will be there to help you.
Benefit Period Medical Coverage - If a member started a Benefit Period while this insurance was in effect, the member is covered for Medical expenses only for the duration of the Benefit Period, regardless of whether the member is at home or abroad. A Benefit Period begins on the first date the member receives a diagnosis or treatment of a covered Illness or Injury while outside his or her Home Country and lasts for 180 days.
End of Trip Home Country Medical Coverage - If your group is covered under the Atlas Group Travel Series and members are outside of their Home Countries continuously for six (6) months or more, you may purchase an additional 30 days of End of Trip Home Country Medical Coverage for the group.
Non-US citizen traveling to the United States should purchase Atlas Group America.
What is Covered?
All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and Limits):
- Inpatient and Outpatient charges made by a Hospital.
- Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case.
- Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home.
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
- Charges for oxygen and other gases and anesthetics and their administration.
- Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
- Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital.
- Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization.
Complications of Pregnancy:
Treatment of Complications of Pregnancy during the first 26 weeks of Pregnancy is covered under this insurance. Complications of Pregnancy is defined as: Illnesses whose diagnoses are distinct from Pregnancy, but are adversely affected by Pregnancy or caused by Pregnancy, and not associated with a normal Pregnancy. This includes: ectopic Pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of comparable severity.
Let MNU help you when you need help most:
- Medical Referrals
- Assistance with Prescription Drug Replacement
- Dispatch of a Doctor or Specialist
- Up-to-the-minute travel medical advisories
If a member of your group is hospitalized as an Inpatient for treatment of a covered Illness or Injury, the Atlas Group Travel Series will provide $100 for each night the member spends in the hospital. This benefit is in addition to payments for other covered expenses and is not subject to Deductible or Coinsurance.
The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under this insurance subject to the Overall Maximum Limit; and Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100.
Emergency Medical Evacuation:
If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard the member's life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by MultiNational Underwriters®, the Atlas Group Travel Series will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.
Emergency Message Relay:
MNU will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.
In the event of a covered Emergency Medical Evacuation, the Atlas Group Travel Series will provide the following benefits: The cost of an economy round-trip air and/or ground transportation ticket for one of the members relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where the member is hospitalized following Emergency Medical Evacuation and reasonable expenses for lodging and meals for the relative for a period not to exceed 15 days.
Return of Minor Children:
If a member of your group is the only person age 18 or older, traveling with one or more children under the age of 18, who are also covered by the Atlas Group Travel Series, and the member is Hospitalized for treatment of a covered Illness or Injury, resulting in the children being left unattended for a period of time expected to exceed 36 hours, the Atlas Group Travel Series will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence of each covered child.
Emergency Travel Arrangements:
When family members need to join you in an emergency, MNU can make the arrangements for you.
The Atlas Group Travel Series provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met:
- The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
- You have no direct or indirect involvement in the Act of Terrorism.
- The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months prior to your date of arrival.
- You have not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.
For additional benefits covering Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage, review the MultiNational Accident Plan (MAP). Contact us for additional information about this exciting new product offered by MultiNational Underwriters.
Accidental Death and Dismemberment:
In the event of your Accidental Death (except while traveling on a common carrier) or Dismemberment resulting from a covered Injury, the Atlas Group Travel Series will provide the following benefit:
Accidental Death Principal Sum to the Beneficiary
Loss of 2 eyes or 2 or more limbs Principal Sum to the member
Loss of 1 eye or 1 limb One Half of the Principal Sum to the member
|14 days to 17 years||$5,000|
|18 to 69||$25,000|
The Accidental Death and Dismemberment benefit is not available for losses incurred during participation in a Hazardous Sport or in respect to losses resulting from an Act of Terrorism.
The Beneficiary for members age 18 or older will be as follows: br>
- Spouse (if any)
- Children (if any)
- Estate of the member.
The Beneficiary for members under age 18 will be as follows:
- Custodial Parent(s)
- Siblings (if any)
- Estate of the member.
Common Carrier Accidental Death:
In the event of your Accidental Death while traveling on board a commercial common carrier, the Atlas Group Travel Series will provide the following benefit: Principal Sum of $50,000 ($25,000 for children under age 18) subject to a maximum of $250,000 per group to the Beneficiary, as described above. This benefit is not available in respect to losses resulting from an Act of Terrorism.
Repatriation of Remains:
In the event of a covered Injury or Illness resulting in a members death, the Atlas Group Travel Series will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of the members Principal Residence, and reasonable costs of preparation of remains necessary for transportation.
Emergency Cash Transfers:
MNU will assist you in arranging and obtaining cash transfers anywhere in the world.
Lost Passport or Travel Documents Assistance:
osing important documents is extremely troublesome. MNU can help you notify the appropriate authorities for assistance with replacement of documents.
In the event of natural disaster (hurricane, flood, tornado, tsunami, etc) the Atlas Group Travel Series will provide up to $100 a day for 5 days for members who are Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike. Displaced is defined as required to depart the destination due to an evacuation ordered by prevailing authorities. Proof of paid accommodations must be submitted at time of claim.
If, after you have departed, a member of your group learns of the death of a parent, spouse, sibling or child, or learns of the substantial destruction of his or her Principal Residence by fire or weather, the Atlas Group Travel Series will provide the following benefit: The cost of an economy one way air and/orground transportation ticket for the member to the area of his or her Principal Residence; or If, following a covered Emergency Medical Evacuation, the attending Physician states that it is Medically Necessary for the member to return to his or her Home Country or to the area from which he or she was initially evacuated for continued treatment, recuperation and recovery, the Atlas Group Travel Series will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for the members transportation from the area where he or she was hospitalized following the Emergency Medical Evacuation, to the area where he or she was initially evacuated from, or to the terminal serving the area of the members Principal Residence.
MNU will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.
Lost Checked Luggage:
In the event a members checked luggage is permanently lost by the carrier, the Atlas Group Travel Series will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. The member must file a formal claim with the transportation provider and provide the Plan Administrator with copies of all claim forms and proof that the transportation provider has paid its normal reimbursement for the lost checked luggage.
TravelGuard is the industry leader in tracking lost, checked baggage. TravelGuard will help you locate your lost checked baggage and deliver it to you anywhere in the world.
All Travel Assistance Services are available to you 24 hours a day, 7 days a week while your Atlas Group Travel plan is in effect. In addition to the services already described, the following services are included:
Embassy and consulate referrals
Legal and accounting referrals Bail bond assistance
Translation and interpretation assistance
Atlas Group Travel Assistance Services are not insurance benefits, and provision of any Assistance Service is not a guarantee of any other benefit under the Atlas Group Travel Series.
Schedule of Benefits and Limits:
|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 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|
|Hospital Indemnity:||$100 per day (not subject to Deductible or Coinsurance)|
|Intensive Care Unit:||Usual, Reasonable and Customary charges|
|Outpatient Treatment:||Usual, Reasonable and Customary charges|
|Physical Therapy:||$50 per visit|
|All Other Eligible Medical Expenses:||Usual, Reasonable and Customary charges|
|Emergency Dental:||Accident Overall Maximum Limit |
Acute Onset of Pain - $100 limit per Certificate Period
|Emergency Medical Evacuation:||Overall Maximum Limit|
|Emergency Reunion:||$15,000 limit per Certificate Period|
|Return of Minor Children:||$5,000 limit per Certificate Period|
|Terrorism:||$50,000 Maximum Lifetime Limit, Medical Expenses only|
|Accidental Death and Dismemberment:||Principal Sum $25,000 Adults age 18-69|
|Common Carrier Accidental Death:||$50,000 per adult, $25,000 children under age 18; $250,000 per group|
|Repatriation of Remains:||Overall Maximum Limit|
|Natural Disaster Benefit:||Up to $100 a day for 5 days when Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike|
|Trip Interruption:||$5,000 limit per Certificate Period|
|Lost Checked Luggage:||$250 limit per Certificate Period (not subject to Deductible or Coinsurance)|
|Hospital Pre-Notification Penalty:||50% of Eligible Medical Expenses|
|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|
What Is Excluded?
The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:
Pre-existing Conditions - Charges resulting directly or indirectly from any Pre-existing Condition are excluded from this insurance. US citizens under age 70 are covered for Medical and Emergency Medical Evacuation charges resulting from an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule of Benefits and Limits. A Pre-existing Condition is any Illness, Injury or medical condition or chronic or recurring Illness or Injury or medical condition, including any associated complications or consequences, which existed at or during the 2 years immediately preceding your Effective date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that 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.
Treatment for or related to any congenital condition.
Routine pre-natal care, childbirth, care of newborns, post-natal care, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof.False labor, edema, prolonged labor, prescribed rest during the period of Pregnancy, morning sickness and conditions of comparable severity associated with management of a difficult Pregnancy, and not constituting a medically distinct Complication of Pregnancy, and all charges related toPregnancy after the 26th week of Pregnancy.
Mental Health Disorders or Substance Abuse.
Charges which are not incurred during the Certificate Period or the applicable Benefit Period, and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or the applicable Benefit Period.
Charges for use of Emergency Room within the U.S. for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness. Not Medically Necessary and administered or ordered by a Physician. Provided at no cost, by a family member, or by a person who ordinarily resides with you, or which are attributable to or recoverable from any other party including government-sponsored plans.
Charges which exceed Usual, Reasonable and Customary.
Investigational, Experimental or for Research purposes.
While confined primarily to receive Custodial Care, Educational or Rehabilitative care.
Venereal Disease, AIDS or ARC.
Treatment by a Chiropractor.
Diseases of the skin.
Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental treatment necessary to replace sound natural teeth lost or damaged in an Accident covered hereunder or for the relief of acute, spontaneous and unexpected onset of pain.
Eyeglasses, vision exams, contact lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy, orthoptics or visual eye training or eye surgery (including cataract surgery and radial keratotomy) or for any examination or fitting related to these devices or procedures.
Injury sustained while taking part in the following activities: Amateur or professional sports or athletics, except this does not include Amateur sports or athletics which are non-contact and undertaken solely for leisure, recreational, entertainment or fitness purposes unless such sports or athletics are otherwise excluded by this provision.
The following are excluded: Mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher. Aviation, except when traveling solely as a passenger in a commercial aircraft. Hang gliding, sky diving, parachuting or bungee jumping; Snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); Racing by any animal or motorized vehicle; and spelunking; and subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters; jet skiing; and any other sport or athletic activity which is undertaken for thrill seeking and exposes you to abnormal or extreme risk of injury.
Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse.
Willfully self-inflicted Injury or Illness and immunizations and Routine Physical Exams.
The Deductible, Coinsurance and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the limits set forth in the Schedule of Benefits and Limits.
Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of Remains, Emergency Reunion and Trip Interruption sections of this insurance.
Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).
Organ or tissue transplants or related services.
Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof.
This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact us.
What are the Pre-notification Requirements?
All Hospitalizations, Surgeries, Emergency Medical Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI) must be Pre-notified. Simply call, or have the Physician call, MultiNational Underwriters® with all information relative to the claim. You may also pre-notify by submitting details through Client Zone. Be sure to have your ID number available. If the member does Pre-notify, medical expenses will be reduced by 50% and all other expenses will be forfeited.
Who is the Plan Administrator?
MultiNational Underwriters®, headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of international travelers. As the flagship company of the Noel Group, MNU benefits from the experience of a corporate leadership team that covers over 6 million travelers a year. MNU's international claims specialists, medical professionals and client relations specialists are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. Whether you have lost your luggage or are in need of Emergency Medical Evacuation, you will find MNU's service team to be prompt, compassionate, and highly professional.
Who is the Insurer?
Lloyds, the largest and oldest insurance market in the world, is the insurer of the Atlas Group Travel Series. Rated A (Excellent) by AM Best Company and A (Strong) by Standard and Poors, Lloyds provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyds is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyds provides accident and health insurance to millions of individuals in almost every country of the world.
Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, MNU is always ready to respond. Frequently, these and other issues can be addressed with a short visit to Client Zone. Client Zone is an online account management and resource tool that allows you to:
Change personal information
Reprint ID cards
Obtain details about claim filing, including downloading necessary forms
Pre-Notify for certain medical procedures and hospitalizations
Locate providers within the PPO Network
Study destination, weather and travel security information using MNU's Travel Intelligence and Planning System (TIPS)
Access health and wellness information
View and download brochures, obtain policy information, or get quotes for other products offered by MultiNational Underwriters
At times, there is simply no substitute for human intervention. MNUs Client Relations team is available 24 hours a day, 7 days a week to answer your questions and may be reached at no cost through MNU's Worldwide 800 numbers. Immediate support is available in several languages and can be provided in many others with the assistance of a translator. If a translator is needed, the MNU Client Relations Specialist will arrange one.
If, for any reason, you wish to cancel your policy, you must submit your cancellation request in writing to MultiNational Underwriters® to receive a refund of premium. To be eligible for a full refund, the request for cancellation must be received prior to your effective date. Cancellation requests received after the effective date will be subject to the following conditions:
a $25 cancellation fee will apply; and
only the unused portion of the plan cost will be refunded; and
only members who have no claims are eligible for cancellation.