Atlas Group® Insurance
Group Travel Medical Insurance for 5 or More Travelers
When international travel poses medical and financial risk, Atlas Group insurance is there.
Atlas Group includes the same benefits and services of our popular Atlas Travel plan at a 10% reduced rate for groups of 5 or more. It offers coverage for unexpected medical expenses - including COVID-19-related expenses - and an Emergency Medical Evacuation benefit.
You can customize your Atlas Group plan by choosing your deductible, coverage length, and overall coverage maximum.
Atlas Group Is Designed For
- Missionary groups traveling to provide aid to local communities
- Student groups studying abroad or taking a trip overseas
- Organizations whose members travel worldwide
- Families and friend groups of 5 or more travelers looking to save money by purchasing a group plan
Group Travel Medical Insurance Benefits
| Deductibles | $0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate period |
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Deductibles $0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate period
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| Maximum Per Injury or Illness | Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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Maximum Per Injury or Illness Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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| Overall Maximum Limit | Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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Overall Maximum Limit Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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| Coinsurance | We will pay 100% of eligible expenses after the deductible up to the overall maximum limit |
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Coinsurance We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
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| Emergency Room Co-Payment | Claims Incurred in the U.S. There will be no co-payment for emergency room treatment of an injury. Claims Incurred Outside the U.S. |
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Emergency Room Co-Payment Claims Incurred in the U.S. There will be no co-payment for emergency room treatment of an injury. Claims Incurred Outside the U.S. |
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| Urgent Care Center Co-Payment | Claims Incurred in the U.S. Claims Incurred Outside the U.S. |
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Urgent Care Center Co-Payment Claims Incurred in the U.S. Claims Incurred Outside the U.S. |
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| Reduced Rate for Groups | 10% reduced rate for travel groups of 5 or more |
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Reduced Rate for Groups 10% reduced rate for travel groups of 5 or more
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| Travel Assistance Services | Atlas Group customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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Travel Assistance Services Atlas Group customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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| Policy Documents | Click here to view your policy documents. |
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Policy Documents |
| Hospital Room and Board | Average semi-private room rate, including nursing services |
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Hospital Room and Board Average semi-private room rate, including nursing services
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| Local Ambulance | Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient. |
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Local Ambulance Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient.
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| Intensive Care Unit | Up to the overall maximum limit |
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Intensive Care Unit Up to the overall maximum limit
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| Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day |
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Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day
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| Emergency Dental | Up to $300 - not subject to deductible |
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Emergency Dental Up to $300 - not subject to deductible
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| Emergency Eye Exam Copayment | Up to $150; $50 copayment per occurrence (plan deductible is waived) |
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Emergency Eye Exam Copayment Up to $150; $50 copayment per occurrence (plan deductible is waived)
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| Hospital Indemnity | $100 per day of inpatient hospitalization - not subject to deductible |
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Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible
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| Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) | Up to the overall maximum limit |
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Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) Up to the overall maximum limit
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| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
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Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
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| All Other Eligible Medical Expenses | Up to the overall maximum limit |
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All Other Eligible Medical Expenses Up to the overall maximum limit
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| Repatriation of Remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance This limit is for this benefit only and is not included in or subject to the overall maximum limit |
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Repatriation of Remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance This limit is for this benefit only and is not included in or subject to the overall maximum limit |
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| Local Burial or Cremation | Up to $5,000 lifetime maximum - not subject to deductible |
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Local Burial or Cremation Up to $5,000 lifetime maximum - not subject to deductible
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| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) | Under Age 18 Lifetime Maximum: $5,000 Death: $5,000 Loss of 2 limbs: $5,000 Loss of 1 limb: $2,500 Ages 18 Through 69 Lifetime Maximum: $25,000 Death: $25,000 Loss of 2 limbs: $25,000 Loss of 1 limb: $12,500 Ages 70 through 74 Lifetime Maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 75 and Older Lifetime Maximum: $6,250 Death: $6,250 Loss of 2 limbs: $6,250 Loss of 1 limb: $3,125 $250,000 maximum benefit any one family or group - not subject to deductible or overall maximum limit |
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Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) Under Age 18 Lifetime Maximum: $5,000 Death: $5,000 Loss of 2 limbs: $5,000 Loss of 1 limb: $2,500 Ages 18 Through 69 Lifetime Maximum: $25,000 Death: $25,000 Loss of 2 limbs: $25,000 Loss of 1 limb: $12,500 Ages 70 through 74 Lifetime Maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 75 and Older Lifetime Maximum: $6,250 Death: $6,250 Loss of 2 limbs: $6,250 Loss of 1 limb: $3,125 $250,000 maximum benefit any one family or group - not subject to deductible or overall maximum limit |
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| Common Carrier Accidental Death | Under Age 18 $10,000 Ages 18 through 69 $50,000 Ages 70 through 74 $25,000 Ages 75 and Older $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum limit |
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Common Carrier Accidental Death Under Age 18 $10,000 Ages 18 through 69 $50,000 Ages 70 through 74 $25,000 Ages 75 and Older $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum 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 - not subject to deductible |
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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
- not subject to deductible
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| Lost Checked Luggage | Up to $1,000 - not subject to deductible |
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Lost Checked Luggage Up to $1,000 - not subject to deductible
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| Lost or Stolen Passport/Travel Visa | Up to $100 - not subject to deductible |
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Lost or Stolen Passport/Travel Visa Up to $100 - not subject to deductible
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| Border Entry Protection | Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border - not subject to deductible |
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Border Entry Protection Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border - not subject to deductible
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| Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10,000 per certificate period - not subject to deductible or overall maximum limit |
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Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses Up to $10,000 per certificate period - not subject to deductible or overall maximum limit
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| Optional Crisis Response Rider with Natural Disaster Evacuation | Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit |
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Optional Crisis Response Rider with Natural Disaster Evacuation Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit
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| Natural Disaster – Replacement Accommodations | Up to $250 a day for 5 days - not subject to deductible |
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Natural Disaster – Replacement Accommodations Up to $250 a day for 5 days - not subject to deductible
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| Personal Liability | Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit |
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Personal Liability Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit |
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| Optional Personal Liability Rider | Lifetime Maximum: $75,000 Third-Person Injury: Up to $75,000 Third-Person Property: Up to $75,000 Related Third-Person Property: Up to $7,500 - not subject to deductible or overall maximum limit |
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Optional Personal Liability Rider Lifetime Maximum: $75,000 Third-Person Injury: Up to $75,000 Third-Person Property: Up to $75,000 Related Third-Person Property: Up to $7,500 - not subject to deductible or overall maximum limit |
| Trip Interruption | Up to $10,000 - not subject to deductible |
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Trip Interruption Up to $10,000 - not subject to deductible
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| Emergency Medical Evacuation | Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click “Exclusions” tab to see benefit description) - not subject to deductible or overall maximum limit |
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Emergency Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click “Exclusions” tab to see benefit description) - not subject to deductible or overall maximum limit
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| Political Evacuation | Up to $100,000 lifetime maximum - not subject to deductible |
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Political Evacuation Up to $100,000 lifetime maximum - not subject to deductible
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| Emergency Reunion | Up to $100,000, subject to a maximum of 15 days - not subject to deductible |
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Emergency Reunion Up to $100,000, subject to a maximum of 15 days - not subject to deductible
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| Bedside Visit | Up to $1,500 - not subject to deductible |
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Bedside Visit Up to $1,500 - not subject to deductible
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| Return of Minor Children | Up to $50,000 - not subject to deductible |
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Return of Minor Children Up to $50,000 - not subject to deductible
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| Pet Return | Up to $1,000 - not subject to deductible |
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Pet Return Up to $1,000 - not subject to deductible
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| Deductibles | $0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate period |
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Deductibles $0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate period
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| Maximum Per Injury or Illness | Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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Maximum Per Injury or Illness Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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| Overall Maximum Limit | Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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Overall Maximum Limit Age 80 or Older: $10,000 Age 65 to 79: $50,000 or $100,000 All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
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| Coinsurance | We will pay 100% of eligible expenses after the deductible up to the overall maximum limit |
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Coinsurance We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
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| Emergency Room Co-Payment | Claims Incurred in the U.S. There will be no co-payment for emergency room treatment of an injury. Claims Incurred Outside the U.S. |
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Emergency Room Co-Payment Claims Incurred in the U.S. There will be no co-payment for emergency room treatment of an injury. Claims Incurred Outside the U.S. |
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| Urgent Care Center Co-Payment | Claims Incurred in the U.S. Claims Incurred Outside the U.S. |
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Urgent Care Center Co-Payment Claims Incurred in the U.S. Claims Incurred Outside the U.S. |
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| Reduced Rate for Groups | 10% reduced rate for travel groups of 5 or more |
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Reduced Rate for Groups 10% reduced rate for travel groups of 5 or more
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| Travel Assistance Services | Atlas Group customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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Travel Assistance Services Atlas Group customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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| Policy Documents | Click here to view your policy documents. |
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Policy Documents |
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| Hospital Room and Board | Average semi-private room rate, including nursing services |
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Hospital Room and Board Average semi-private room rate, including nursing services
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| Local Ambulance | Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient. |
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Local Ambulance Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient.
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| Intensive Care Unit | Up to the overall maximum limit |
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Intensive Care Unit Up to the overall maximum limit
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| Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day |
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Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day
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| Emergency Dental | Up to $300 - not subject to deductible |
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Emergency Dental Up to $300 - not subject to deductible
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| Emergency Eye Exam Copayment | Up to $150; $50 copayment per occurrence (plan deductible is waived) |
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Emergency Eye Exam Copayment Up to $150; $50 copayment per occurrence (plan deductible is waived)
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| Hospital Indemnity | $100 per day of inpatient hospitalization - not subject to deductible |
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Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible
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| Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) | Up to the overall maximum limit |
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Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) Up to the overall maximum limit
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| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
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Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
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| All Other Eligible Medical Expenses | Up to the overall maximum limit |
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All Other Eligible Medical Expenses Up to the overall maximum limit
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| Repatriation of Remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance This limit is for this benefit only and is not included in or subject to the overall maximum limit |
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Repatriation of Remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance This limit is for this benefit only and is not included in or subject to the overall maximum limit |
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| Local Burial or Cremation | Up to $5,000 lifetime maximum - not subject to deductible |
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Local Burial or Cremation Up to $5,000 lifetime maximum - not subject to deductible
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| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) | Under Age 18 Lifetime Maximum: $5,000 Death: $5,000 Loss of 2 limbs: $5,000 Loss of 1 limb: $2,500 Ages 18 Through 69 Lifetime Maximum: $25,000 Death: $25,000 Loss of 2 limbs: $25,000 Loss of 1 limb: $12,500 Ages 70 through 74 Lifetime Maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 75 and Older Lifetime Maximum: $6,250 Death: $6,250 Loss of 2 limbs: $6,250 Loss of 1 limb: $3,125 $250,000 maximum benefit any one family or group - not subject to deductible or overall maximum limit |
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Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) Under Age 18 Lifetime Maximum: $5,000 Death: $5,000 Loss of 2 limbs: $5,000 Loss of 1 limb: $2,500 Ages 18 Through 69 Lifetime Maximum: $25,000 Death: $25,000 Loss of 2 limbs: $25,000 Loss of 1 limb: $12,500 Ages 70 through 74 Lifetime Maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 75 and Older Lifetime Maximum: $6,250 Death: $6,250 Loss of 2 limbs: $6,250 Loss of 1 limb: $3,125 $250,000 maximum benefit any one family or group - not subject to deductible or overall maximum limit |
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| Common Carrier Accidental Death | Under Age 18 $10,000 Ages 18 through 69 $50,000 Ages 70 through 74 $25,000 Ages 75 and Older $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum limit |
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Common Carrier Accidental Death Under Age 18 $10,000 Ages 18 through 69 $50,000 Ages 70 through 74 $25,000 Ages 75 and Older $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum limit |
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| Trip Interruption | Up to $10,000 - not subject to deductible |
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Trip Interruption Up to $10,000 - not subject to deductible
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| 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 - not subject to deductible |
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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
- not subject to deductible
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| Lost Checked Luggage | Up to $1,000 - not subject to deductible |
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Lost Checked Luggage Up to $1,000 - not subject to deductible
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| Lost or Stolen Passport/Travel Visa | Up to $100 - not subject to deductible |
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Lost or Stolen Passport/Travel Visa Up to $100 - not subject to deductible
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| Border Entry Protection | Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border - not subject to deductible |
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Border Entry Protection Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border - not subject to deductible
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| Emergency Medical Evacuation | Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click “Exclusions” tab to see benefit description) - not subject to deductible or overall maximum limit |
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Emergency Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click “Exclusions” tab to see benefit description) - not subject to deductible or overall maximum limit
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| Political Evacuation | Up to $100,000 lifetime maximum - not subject to deductible |
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Political Evacuation Up to $100,000 lifetime maximum - not subject to deductible
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| Emergency Reunion | Up to $100,000, subject to a maximum of 15 days - not subject to deductible |
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Emergency Reunion Up to $100,000, subject to a maximum of 15 days - not subject to deductible
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| Bedside Visit | Up to $1,500 - not subject to deductible |
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Bedside Visit Up to $1,500 - not subject to deductible
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| Return of Minor Children | Up to $50,000 - not subject to deductible |
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Return of Minor Children Up to $50,000 - not subject to deductible
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| Pet Return | Up to $1,000 - not subject to deductible |
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Pet Return Up to $1,000 - not subject to deductible
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| Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10,000 per certificate period - not subject to deductible or overall maximum limit |
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Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses Up to $10,000 per certificate period - not subject to deductible or overall maximum limit
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| Optional Crisis Response Rider with Natural Disaster Evacuation | Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit |
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Optional Crisis Response Rider with Natural Disaster Evacuation Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit
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| Natural Disaster – Replacement Accommodations | Up to $250 a day for 5 days - not subject to deductible |
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Natural Disaster – Replacement Accommodations Up to $250 a day for 5 days - not subject to deductible
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| Personal Liability | Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit |
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Personal Liability Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit |
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| Optional Personal Liability Rider | Lifetime Maximum: $75,000 Third-Person Injury: Up to $75,000 Third-Person Property: Up to $75,000 Related Third-Person Property: Up to $7,500 - not subject to deductible or overall maximum limit |
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Optional Personal Liability Rider Lifetime Maximum: $75,000 Third-Person Injury: Up to $75,000 Third-Person Property: Up to $75,000 Related Third-Person Property: Up to $7,500 - not subject to deductible or overall maximum limit |
Why Do I Need Group Travel Medical Insurance?
International travel can represent financial risk. No matter your destination, there's always a chance you could experience unanticipated health or travel emergencies.
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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.
WorldTrips' Atlas Travel Series international travel medical insurance products are underwritten by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.