Travel Medical Insurance Options

Atlas International Major Medical Overview

Eligibility*

Only US citizens and non-US citizens travelling outside of their home country excluding the continental US, Alaska, Hawaii, Puerto Rico, Guam, and the US Virgin Islands, and who are at least 14 days of age are eligible for coverage under Atlas International. Incidental trips to the US are permissible for US citizens only. The plan cannot be sold to citizens or residents of: Cuba, Iran, N. Korea, Sudan or Australia. However, Australian citizens residing outside of Australia are still eligible for this plan providing their destination is not Australia.

SPECIAL NOTE: New York Residents and Anyone Located in Canada*

If you are a resident of New York or a foreign national visiting New York, Atlas International is not available for online purchase. Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

If you are physically located within Canada at the time you wish to purchase Atlas International, please contact us for important information at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*

• Guaranteed issue policy—no medical questions to answer
• Up to $1,000,000 policy maximum (benefit reduced after age 69)
• In and out of hospital benefits
• Discounted rates for dependent children
• Emergency medical evacuation
• Trip interruption
• Lost checked luggage
• Emergency reunion
• Political evacuation
• Terrorism
• Return of minor children
• Home country visit as well as end of trip coverage
• Accidental death and dismemberment (AD&D)
• Repatriation of remains
• Acute onset of pre-existing conditions coverage (available to members under age 70)
• Sports coverage included
• This plan can be extended up to 364 days and renewed up to 3 years
• This plan satisfies Schengen visa requirements

State and Country Restrictions*

Atlas International is available in all states in the US, except New York. The plan does not cover travel to or from the following countries: Cuba, Iran, N. Korea or Sudan. Australian citizens residing in or traveling to Australia cannot purchase this plan. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Atlas International is underwritten by Syndicate 4141 at Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Liaison® Majestic International Major Medical Overview

Eligibility*

US and non-US citizens who are at least 14 days old and are traveling outside of their Home Country are eligible under Liaison Majestic. Home Country is defined as the country where a covered person has his or her true, fixed and permanent home and principal establishment.

SPECIAL NOTE: New York Residents and Visitors*

If you are a resident of New York or a foreign national visiting New York, Liaison Majestic is the plan we recommend due to certain state laws and restrictions within that state.

Highlights and Benefits*

• Up to $1,000,000 policy maximum (benefit reduced after age 64 if traveling within the US; benefit reduced after age 69 if traveling outside the US)
• In and out of hospital benefits
• Discounted rates for dependent children
• Emergency medical evacuation
• Trip interruption
• Lost checked luggage
• Emergency reunion
• Political evacuation
• Terrorism
• Return of minor children
• Accidental death and dismemberment (AD&D)
• Repatriation of mortal remains
• Optional hazardous sports coverage
• This plan can be renewed up to 3 years (up to 364 days if you are 65 or older)
• This plan satisfies Schengen visa requirements

State and Country Restrictions*

Liaison Majestic is available in all states in the US, except: Idaho and Washington. The plan does not cover travel to or from the following countries: Afghanistan, Chechnya, Cuba, Iran, Iraq, Pakistan, Palestine, and Somalia. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Liaison Majestic is underwritten by Certain Underwriters at Lloyd’s, London, which is rated A (Excellent) by A.M. Best Company and A+ (Strong) by Standard and Poor’s.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

TravelGap® Single Trip Overview

Eligibility*

US citizens and legal residents under age 75 for the Voyager plan and under age 85 for the Excursion plan, traveling outside of the US are eligible under TravelGap Single Trip. For the Excursion plan, you must have primary health insurance and purchase the plan within the US.

SPECIAL NOTE: 2 Plan Options*

TravelGap Single Trip offers 2 levels of coverage: Voyager and Excursion.

Highlights and Benefits: TravelGap Single Trip Voyager*

• Guaranteed issue policy—no medical questions to answer
• Issued up to age 74
• Up to $1,000,000 policy maximum
• Pre-existing condition coverage after a 6 month waiting period
• Emergency medical evacuation
• Coverage for claims resulting from downhill skiing and scuba diving
• Bedside visit benefit
• Accidental death and dismemberment (AD&D) up to $25,000
• Repatriation of mortal remains
• For trips up to 180 days

Highlights and Benefits: TravelGap Single Trip Excursion*

• Guaranteed issue policy—no medical questions to answer
• Issued up to age 84
• Up to $1,000,000 policy maximum
• Pre-existing condition coverage—no waiting period
• Emergency medical evacuation
• Coverage for claims resulting from downhill skiing and scuba diving
• Bedside visit benefit
• Accidental death and dismemberment (AD&D) up to $50,000
• Repatriation of mortal remains
• For trips up to 180 days
• Must currently have primary health insurance to purchase this plan
• Must purchase initial plan while within the US

State and Country Restrictions*

TravelGap Single Trip is available in all US states except: Maryland, Massachusetts, Minnesota, Montana, New Hampshire, North Carolina, Oregon, South Dakota and Vermont. The plan does not cover travel to or from the following countries: Cuba and N. Korea. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

TravelGap Single Trip is underwritten by HM Life Insurance Company and HM Life Insurance Company of New York, rated A- (Excellent) by A.M. Best Company.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Sky Rescue Overview

Eligibility*

US citizens or foreign nationals who are under 65 and are traveling outside their home country are eligible under Sky Rescue.

Highlights and Benefits*

• Emergency medical evacuation
• Trip interruption
• Lost checked luggage
• Lost passport assistance and embassy referral
• Emergency reunion
• Political evacuation
• Return of minor children
• Accidental death and dismemberment (AD&D)
• Repatriation of mortal remains
• This plan can be renewed up to age 65

State and Country Restrictions*

Sky Rescue is available in all states in the US. There are currently no country restrictions for this plan. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Sky Rescue is underwritten by Sirius International Insurance Corporation, which is rated A (Excellent) by the A.M. Best Company and A- by Standard & Poor’s.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

TravelGap® Multi-Trip Frequent Travel Plan Overview

Eligibility*

US citizens and legal residents under age 84, enrolled in a primary health insurance plan, and traveling within or outside of the US are eligible under TravelGap Multi-Trip.

Highlights and Benefits *

• Guaranteed issue policy—no medical questions to answer
• Issued up to age 84 (benefits are reduced after age 70)
• $50 per trip deductible with low rates
• Up to $250,000 policy maximum for international benefits (up to $25,000 policy maximum for US benefits)
• Emergency medical evacuation up to $500,000
• Pre-existing condition coverage—no waiting period
• Coverage for claims resulting from downhill skiing and scuba diving
• Bedside visit benefit
• Accidental death and dismemberment (AD&D) (Gold level only)
• Repatriation of mortal remains
• Covers each trip up to 70 days during a 12-month period
• Must currently have primary health insurance to purchase this plan
• Must purchase initial plan while within the US

State and Country Restrictions*

TravelGap Multi-Trip is available in all US states except: Maryland, Massachusetts, Minnesota, Montana, New Hampshire, North Carolina, Oregon, South Dakota and Vermont. The plan does not cover travel to or from the following countries: Cuba and N. Korea. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

TravelGap Multi-Trip is underwritten by HM Life Insurance Company and HM Life Insurance Company of New York, rated A- (Excellent) by A.M. Best Company.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Atlas Professional Overview

Eligibility*

US citizens or foreign nationals who are at least 14 days old and under 66 years old, enrolled in a primary health insurance plan in their home country, and are traveling outside their home country are eligible under Atlas Professional. The plan cannot be sold to citizens or residents of: Cuba, Iran, N. Korea, Sudan or Australia. However, Australian citizens residing outside of Australia are still eligible for this plan providing their destination is notAustralia

SPECIAL NOTE: New York Residents and Anyone Located in Canada*

If you are a resident of New York or a foreign national visiting New York, Atlas Professional is not available for online purchase. Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

If you are physically located within Canada at the time you wish to purchase Atlas Professional, please contact us for important information at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*

• Guaranteed issue policy—no medical questions to answer
• Up to $1,000,000 policy maximum
• $250 deductible per incident
• Emergency medical evacuation
• Trip interruption
• Lost checked luggage
• Emergency reunion
• Political evacuation
• Return of minor children
• Accidental death and dismemberment (AD&D)
• Repatriation of remains
• Acute onset of pre-existing conditions coverage
• Optional terrorism coverage
• Optional sports coverage
• Covers each trip up to 30 days during a 12-month period

State and Country Restrictions*

Atlas Professional is available in all states in the US, except New York. The plan does not cover travel to or from the following countries: Cuba, Iran, N. Korea or Sudan. Australian citizens residing in or traveling to Australia cannot purchase this plan. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Atlas Professional is underwritten by Syndicate 4141 at Lloyd’s, London, which is rated A+ (Strong) by Standard & Poor’s.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Day Tripper Group Travel Medical Overview

Eligibility*

Groups of 5 or more US citizens or foreign nationals who are at least 14 days old and are traveling outside their home country are eligible under Day Tripper Group Travel. The plan cannot be sold to citizens or residents of: Cuba, Iran, N. Korea or Sudan. Applicants whose mailing address is in Australia cannot purchase this plan

SPECIAL NOTE: New York Residents and Anyone Located in Canada*

If you are a resident of New York or a foreign national visiting New York, Day Tripper Group Travel is not available for online purchase. Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

If you are physically located within Canada at the time you wish to purchase Day Tripper Group Travel, please contact us for important information at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*

• Up to $1,000,000 policy maximum (benefit reduced after age 69)
• In and out of hospital benefits
• Emergency medical evacuation
• Trip interruption
• Lost checked luggage
• Emergency reunion
• Political evacuation
• Terrorism
• Return of minor children
• Accidental death and dismemberment (AD&D)
• Repatriation of mortal remains
• Acute onset of pre-existing conditions coverage (available to members under age 70)
• Sports coverage included
• This plan can be extended up to 364 days

State and Country Restrictions*

Day Tripper Group Travel is available in all states in the US, except New York. The plan does not cover travel to or from the following countries: Cuba, Iran, N. Korea or Sudan. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Day Tripper Group Travel is underwritten by Syndicate 4141 at Lloyd’s, London, rated A (Excellent) by Standard & Poor’s.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

International Provider Overview

Eligibility*

Groups of 5 or more US citizens or foreign nationals who are at least 14 days old and are traveling outside their home country are eligible under International Provider. Home Country is defined as the country where a covered person has his or her true, fixed and permanent home and principal establishment.

Highlights and Benefits*

• Up to $1,000,000 policy maximum (benefit reduced after age 80)
• Choice of 3 deductibles and 5 policy maximums
• One rate no matter the age of the group members
• Emergency medical evacuation
• Trip interruption
• Lost checked luggage
• Emergency reunion
• Political evacuation
• Terrorism
• Return of minor children
• Accidental death and dismemberment (AD&D)
• Repatriation of mortal remains
• Unexpected recurrence of pre-existing conditions coverage (benefit reduced after age 65)
• Home country visit as well as end of trip coverage
• Optional hazardous sports coverage
• This plan can be extended up to 12 months

State and Country Restrictions*

International Provider is available in all states in the US. The plan does not cover travel to or from the following countries: Afghanistan, Chechnya, Cuba, Iran, Iraq, Pakistan, Palestine, and Somalia. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

International provider is underwritten by Certain Underwriters at Lloyd’s, London, rated A+ (Strong) by Standard & Poor’s.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.