Senior Travel Medical Insurance

Whether you’re an active globetrotter ready to set sail on your latest adventure or a recent retiree finally embarking on a relaxing vacation abroad, one thing holds true: life doesn’t stop after age 65 – and neither should you.

However, international travel can have risks, and senior citizens should ensure they don’t leave their medical coverage behind. Senior travel medical insurance can provide coverage to travelers of all ages, including those aged 80 or older.

The Atlas Travel plan can cover eligible doctor’s visits, hospitalizations, and even some physical therapy expenses required to get you back on your feet after a new and unexpected health issue abroad.

It's important to note that travel medical insurance is designed for new and unexpected injuries and illnesses that arise while traveling. It is not designed to cover ongoing treatment or *pre-existing conditions, for which coverage is very limited or excluded altogether.

Certain types of expenses are excluded from all Atlas Series insurance plans. Here are some of the more asked-about exclusions:

• Charges resulting directly or indirectly from any *pre-existing condition, except as covered under the **Acute Onset of Pre-Existing Condition benefit
• Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
• Medical expenses related to any form of cancer or neoplasm
• Mental health disorders
• Medical expenses for injury/illness resulting from participation in some extreme sports
• Injury due in whole or in part to the effects of intoxication or drugs (this does not refer to drugs taken in accordance with treatment prescribed by a physician)

For a full list of exclusions, be sure to review the Atlas Travel Description of Coverage.

*Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

**The 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 a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.

The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:

a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
c) You must be under eighty (80) 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 other healthcare provider;
e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
f) You must be traveling outside your home country