Why Buy Travel Insurance?
Am I Eligible for the Atlas Professional?
When Does Annual Coverage Become Effective and When Does It End?
Does Atlas Professional Provide Any Home Country Coverage?
What Is Covered?
What Are The Policy Limits?
What Is Excluded?
What Are the Pre-Notification Requirements?
What If I Plan to Participate in a Sport or Athletic Activity that is Excluded?
Terrorism Rider
Who Is The Plan Administrator?
Who Is The Insurer?
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Medical:

1. Inpatient and Outpatient charges made by a Hospital.
2. Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case.
3. Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home.
4. Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
5. Charges for oxygen and other gases and anesthetics and their administration.
6. Charges for prescription drugs to treat a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
7. Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital.
8. Emergency local ambulance transport incurred in connection with an Injury or Illness which resulted in inpatient hospitalization.

Treatment of Complications of Pregnancy during the first 26 weeks of Pregnancy is covered under this insurance. Complications of Pregnancy is defined as: Illnesses whose diagnoses are distinct from Pregnancy, but are adversely affected by Pregnancy or caused by Pregnancy, and not associated with a normal Pregnancy. This includes: ectopic Pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of comparable severity.

If you are hospitalized as an Inpatient for treatment of a covered Illness or Injury, the Atlas Professional plan will provide $100 for each night you spend in the hospital. This benefit is in addition to the payments for other covered expenses and is not subject to the Deductible.

If you are a US Citizen and experience an Acute Onset of a Pre-existing Condition during a covered trip, you are covered for up to $5,000 for Medical expenses plus $25,000 for Emergency Medical Evacuation expenses. The conditions for Emergency Medical Evacuation benefits, as described herein, must be met in order for this benefit to be available. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under this insurance subject to the Overall Maximum Limit; and Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100.

If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life or limb and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by MultiNational Underwriters, Inc., the Atlas Professional will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

In the event of a covered Emergency Evacuation, the Atlas Professional will provide the following benefits: The cost of an economy round-trip air and/or ground transportation ticket for one of your Relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized following Emergency Evacuation, and reasonable expenses for lodging and meals for your Relative, for a period not to exceed 15 days.

If you are the only person age 18 or older, traveling with one or more child(ren) under the age of 18, who are also covered by the Atlas Professional, and you are hospitalized for treatment of a covered Illness or Injury, resulting in the child(ren) being left unattended for a period of time expected to exceed 36 hours, the Atlas Professional will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence of each covered child

In the event of your Accidental Death (except while traveling in a common carrier) or Dismemberment resulting from a covered Injury, the Atlas Professional will provide the following benefit:

1. Accidental Death ? Principal Sum of $25,000 ($5,000 for children under age 18) to the Beneficiary designated on your Application.
2. Accidental Dismemberment
   a. Loss of 2 or more eyes or limbs ?- Principal Sum of $25,000 ($5,000 for children under age 18) to you.
   b. Loss of 1 eye or limb ? One-half of the Principal Sum ($2,500 for children under age 18) to you.
   
3. The Accidental Death and Dismemberment benefit is deleted during participation in a hazardous sport.
4. The Accidental Death and Dismemberment benefit is doubled in the event of loss resulting from Hijacking, Kidnapping or attempted Kidnapping.

In the event of your Accidental Death while traveling on board a commercial common carrier (except during a Hijacking), the Atlas Professional will provide the following benefit: Principal Sum of $50,000 ($25,000 for children under age 18) to the Beneficiary designated on your Application, subject to a maximum of $250,000 per family.

In the event of a covered Injury or Illness resulting in your death, the Atlas Professional will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.

1. If, after you have departed your Home Country, you learn of the death of a parent, spouse, sibling or child, or you learn of the substantial destruction of your Principal Residence by fire or weather, the Atlas Professional will provide the following benefit: The cost of an economy one-way air and/or ground transportation ticket for you to the area of your Principal Residence; or
2. If, following a covered Emergency Medical Evacuation, the attending Physician states that it is Medically Necessary for your return to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery, the Atlas Professional will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for your transportation from the area where you were hospitalized following the Emergency Evacuation, to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence.

In the event your checked luggage is permanently lost by the carrier, the Atlas Professional will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and provide the Plan Administrator with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost checked luggage.

The following Travel Assistance Services are available to you 24 hours a day, 7 days a week while your Atlas Professional plan is in effect.
Pre-Trip Health and Safety Advisories (available after your purchase of the Atlas Professional, and before your departure) ? call us for current passport, visa, inoculation and vaccine requirements, as well as up-to-date travel safety advisories.
Livetravel Services ? we will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.
BagTrak ? we are the industry leaders in tracking lost baggage. We will help you locate your lost baggage, and deliver it to you anywhere in the world.
Emergency Message Relay ? we will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.
Emergency Cash Transfers ? we will assist you in arranging and obtaining cash transfers anywhere in the world.
Other important Atlas Professional Travel Assistance Services include:

• Medical referrals
• Up-to-the-minute travel medical advisories
• Assistance with prescription drug replacement
• Dispatch of a doctor or specialist
• Emergency travel arrangements for family members
• Lost passport or travel documents assistance
• Embassy and consulate referrals
• Legal and accounting referrals
• Bail bond assistance
• Translation and interpretation assistance

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1. All charges incurred in the United States of America, including its territories and possessions, except for US Citizens who have started a Benefit Period.
2. Pre-existing Conditions ? Charges resulting directly or indirectly from any Pre-existing Condition, as herein defined, are excluded from this insurance unless the condition is an Acute Onset of a Pre-existing Condition. A Pre-existing Condition is any illness, injury or medical condition, or chronic or recurring illness, injury or medical condition, including any associated complications or consequences, which existed at or during the two (2) years immediately preceding your effective date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
3. Treatment for or related to any congenital condition.
4. Routine pre-natal care, Pregnancy, child birth, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof.
5. False labor, edema, prolonged labor, prescribed rest during the period of Pregnancy, morning sickness and conditions of comparable severity associated with management of a difficult Pregnancy, and not constituting a medically distinct Complication of Pregnancy, and all charges related to Pregnancy after the 26th week of Pregnancy.
6. Mental Health Disorders or Substance Abuse.
7. Charges which are not incurred during the Certificate Period and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or applicable Benefit Period.
8. Charges for use of Emergency Room for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness.
9. Not Medically Necessary and administered or ordered by a Physician.
10. Provided at no cost, by a family member, or by a person who ordinarily resides with you, or are attributable to or recoverable from any other party including government sponsored plans.
11. Charges which exceed Usual, Reasonable and Customary.
12. Investigational, Experimental or for Research purposes.
13. While confined primarily to receive Custodial Care, Educational or Rehabilitative Care.
14. Venereal Disease, AIDS or ARC.
15. Treatment by a Chiropractor.
16. Diseases of the skin.
17. Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental treatment necessary to replace sound natural teeth lost or damaged in an Accident covered hereunder or for the relief of acute, spontaneous and unexpected onset of pain.
18. Eyeglasses, eye exams, contact lenses, hearing aids, hearing implants, eye refraction, visual therapy, or visual eye training or eye surgery (including cataract surgery and radial keratotomy) or for any examination or fitting related to these devices or procedures.
19. Injury sustained while taking part in the following activities: Amateur or professional sports or athletics, except this does not include Amateur sports or athletics which are non-contact and undertaken solely for leisure, recreational, entertainment or fitness purposes unless such sports or athletics are otherwise excluded by this provision. The following are excluded: Mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher. Aviation, except when traveling solely as a passenger in a commercial aircraft. Hang gliding, sky diving, parachuting or bungee jumping; snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); Racing by any animal or motorized vehicle; spelunking; subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters; jet skiing; and any other sport or athletic activity which is undertaken for thrill seeking and exposes you to abnormal or extreme risk of injury.
20. Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse.
21. Willfully self-inflicted Injury or Illness and immunizations and Routine Physical Exams.
22. The Deductible and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the Policy Limits.
23. Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
24. Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of Remains, Emergency Reunion and Trip Interruption sections of this insurance.
25. Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s), and/or biological weapons, and/or chemical weapons.
26. Organ or Tissue Transplants or related services.
27. Acts of terrorism, war, insurrection, riot or any variation thereof including, but not limited to, contamination or poisoning of people by nuclear and/or chemical and/or biological substances which cause illness and/or death.

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1. The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
2. You have no direct or indirect involvement in the Act of Terrorism.
3. The Act of Terrorism is not in a country or location where the United States government has issued a travel advisory that has been in effect within the 6 months prior to your date of arrival.
4. You have not unreasonably failed or refused to depart a country or location following the date an advisory to leave that country or location is issued by the United States government.

For additional benefits covering Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage, review the MultiNational Accident Plan (MAP). Contact your representative for additional information about this exciting new product offered by MultiNational Underwriters, Inc.

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Copyright © 2005, MultiNational Underwriters, Inc. All rights reserved.