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Atlas Travel Insurance is underwritten by Tokio Marine HCC and covers global travelers of any age, with maximum limits up to US$2,000,000 for those under 65 and flexible plans for U.S. and international coverage.
Atlas Travel Insurance is part of the Tokio Marine HCC group of companies.
The company offers policies for global travelers of any age, even 80 or older, though the claimable overall maximum limit decreases as your age increases. The coverage drops from US$2,000,000 if you’re under 65 to just US$10,000 if you’re over 80.
Policies with Atlas aren’t just based on your age but also whether or not you want U.S. coverage included.
Key Takeaways
- Atlas Travel Insurance is underwritten by Tokio Marine HCC, one of the major global insurance groups.
- Coverage is available for travelers of any age, including those over 80, though maximum limits drop significantly after 65.
- The basic International Plan (excluding the US) starts around US$135 for a three-month policy; the Premium version runs about US$336.
- You can choose from three trip cancellation plans or two customizable travel medical plans.
- The Atlas MultiTrip plan is convenient for frequent travelers but does not include trip cancellation coverage.
- Pre-certification is required for many treatments, and skipping it can reduce your benefits significantly.
- Claims can take several weeks to process, so gathering complete documentation before filing saves time.
Here is an overview of its main coverage on the basic plan for anyone under the age of 65:
- An overall maximum limit available up to US$2,000,000
- A maximum limit per injury or illness up to US$2,000,000
- Up to US$10,000 for trip interruption
- Up to US$1,000 for loss of checked-in luggage
A quote for a three-month policy without U.S. coverage on the International Plan comes out at US$135, while the International Premium jumps up to US$336. With that said, you can choose from three different trip cancellation insurance plans or two customizable travel medical plans. If you’re someone who travels several times a year, however, and looking at the Atlas MultiTrip plan, be aware that this doesn’t include trip cancellation. Recent buyers confirm that customer service is helpful when sorting out plan options, though claims can take several weeks, so submitting thorough documentation from the start will help.
For more information on travel medical insurance and to see how Atlas compares to other offers, check out our article on travel insurance.
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