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Friday, September 4, 2009

Travel Medical Insurance -Atlas Travel International Plan

By Ray Sondeo

What's the worst that could happen to you? For many, falling sick when traveling abroad tops the list. Atlas Travel Health Insurance is a short term plan, especially designed to benefit vacationers, business travelers, and students on study abroad trips.

Atlas international travel insurance plan offers extensive medical insurance coverage, including outpatient treatment, hospitalization, and ambulance services. It also offers a $100 per day hospital indemnity benefit, and covers physical therapy, emergency dental procedures, and medical emergency evacuation. The plan also offers a hazardous sports coverage rider for an additional fee.

One of the major turn-offs for seniors who consider international travel insurance is the rider that excludes pre-existing conditions. The Atlas International travel health insurance plan covers an acute recurrence of pre-existing conditions for those under 70. Also, if the insured undergoes hospitalization, and that results in accompanying covered minors being left unattended, the plan covers their return to the home country.

Natural disasters and, increasing acts of terrorism and political evacuation are realities for travelers, and the plan covers those as well. The Atlas International insurance plan covers the cost of the insured returning home if the international trip is interrupted due to his/her home being damaged due to a natural disaster. If the insured dies, the plan also pays for repatriation of the remains to the home country.

The plan not just covers travel, but also temporary trips home during the plan period, for up to a maximum of 15 days in 3 months. The Atlas insurance plan eases the transition on return by offering medical coverage for 30 days in the home country.

The travel insurance plan also offers non-medical benefits such as lost baggage tracking and help with finding doctors and lawyers in case of need. The plan covers treatment (after the deductible) by U.S. doctors and hospitals that are part of the PPO network.

Applicants to the Atlas international travel insurance plan must be at least 14 days old. Plans can be for a minimum of 5 days and a maximum of 12 months, with options for extension. An Web-based client zone helps plan holders work with and perform tasks associated with the plan. Round-the-clock, round-the-world customer service is available through toll-free phone numbers.

Benefits of the Atlas international travel insurance plan range from $50,000 to 1,000,000. The premium varies with the age of the insured, maximum medical coverage and deductible. The addition of the sports rider will increase the premium. - 23211

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