Atlas Nomads is flexible digital nomad health insurance that provides you with coverage for unexpected accidents, sickness, and travel mishaps as you live and work abroad. This plan includes a $0 deductible and pays 100% of eligible expenses up to your overall maximum limit.
Highlights:
- Up to $250,000 of Overall Maximum Coverage
- Up to $100,000 for Emergency Medical Evacuation
- Up to $10,000 for Political Evacuation
- Up to $10,000 for Crisis Response
- Up to $5,000 for Trip Interruption
Plan Details
Overall Maximum Limit
Up to age 64: $250,000
Age 65 to 69: $100,000
Maximum per Injury / Illness
Up to age 64: $250,000
Age 65 to 69: $100,000
Deductibles
$0 per certificate period
Coinsurance
We will pay 100% of eligible expenses up to the overall maximum limit
Eligible expenses are subject to overall maximum limit, and are per certificate period unless specifically indicated otherwise.
Benefit
Limit
Hospital Room and Board
Average semi-private room rate, including nursing services
Intensive Care Unit
Up to the overall maximum limit
Local Ambulance
Usual, reasonable, and customary charges for covered injury or illness. Illness must result in hospitalization as inpatient
Emergency Room Co-payment
Claims incurred in the U.S.
You shall be responsible for a $100 co-payment for the emergency room facility fee for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.
Claims incurred outside the U.S.
No co-payment
Urgent Care Center
Claims incurred in the U.S.
For each visit, you shall be responsible for a $50 co-payment
Claims incurred outside the U.S.
No co-payment
Outpatient Physical Therapy and Chiropractic Care
Up to $500 maximum
Emergency Dental
Up to $1,000
Emergency Eye Exam Copayment
Up to $150. $50 copayment per occurrence.
Acute Onset of Pre-existing Condition
(See benefit description)
Up to the overall maximum limit
Up to $25,000 lifetime maximum, eligible medical expenses only
Terrorism
Up to $50,000 lifetime maximum, eligible medical expenses only
All Other Eligible Medical Expenses
Up to the overall maximum limit
Emergency Travel Benefits
Limit
Emergency Medical Evacuation
Up to $100,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition
- not subject to overall maximum limit
Repatriation of Remains
Up to $20,000 lifetime maximum
- not subject to overall maximum limit
Local Burial or Cremation
Up to $10,000 lifetime maximum
Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses
Up to $10,000 lifetime maximum
- not subject to overall maximum limit
Emergency Reunion
Up to $50,000, subject to a maximum of 15 days
Bedside Visit
Up to $1,500
Return of Minor Children
Up to $5,000
Pet Return
Up to $1,000
Political Evacuation
Up to $10,000 lifetime maximum
Trip Interruption
Up to $5,000
Accidental Death & Dismemberment
(excludes loss due to Common Carrier Accident)
Ages 18 through 69
Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500
Under age 18
Lifetime Maximum - $5,000
Death - $5,000
Loss of 2 Limbs - $5,000
Loss of 1 Limb - $2,500
Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500
Lifetime Maximum - $5,000
Death - $5,000
Loss of 2 Limbs - $5,000
Loss of 1 Limb - $2,500
$250,000 maximum benefit any one family or group
- not subject to overall maximum limit
Common Carrier Accidental Death
Ages 18 through 69
$50,000
Under age 18
$10,000
$50,000
$10,000
Subject to a maximum of $250,000 any one family or group
- not subject to overall maximum limit
Lost Checked Luggage
Up to $3,000 per certificate period; $500 per item
Up to $6,000 lifetime limit
Travel Delay
Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.
Lost or Stolen Passport/Travel Visa
Up to $100
Border Entry Protection
Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border
Natural Disaster - Replacement Accommodations
Up to $100 a day for 5 days
Emergency Quarantine Indemnity - COVID-19
$50 a day for up to 10 days. Must have a minimum of one (1) month of coverage. Proof of quarantine mandated by a physician or governmental authority required. Quarantine must be due to you testing positive for COVID-19/SARS-CoV2, or you are symptomatic and waiting on diagnostic test results. Benefit may be used only one per twelve (12) month period. Not available while in your home country.
Hospital Indemnity
$100 per day of inpatient hospitalization
Personal Liability
Up to
$25,000 lifetime maximum
$25,000 third person injury
$25,000 third person property
$2,500 related third person property
- not subject to overall maximum limit
*Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or thatgradually becomes worse over time, is not acute onset of a pre-existingcondition.
The Acute Onset of Pre-existing Condition benefit willonly apply if all of the following conditions are met:
a)The Acute onset of a Pre-Existing Condition does not directly orindirectly relate to a chronic condition or congenital condition;
b)Treatment must be obtained within twenty-four (24) hours of the suddenand unexpected outbreak or reoccurrence;
c)You must be under seventy (70) years of age;
d)You must not be traveling against or in disregard of the recommendations,established treatment programs, or medical advice of a physician or otherhealthcare provider;
e)You must not be traveling with the intent or purpose to seek or obtaintreatment for the pre-existing condition;
f)You must be traveling outside your home country
