Expatriate insurance is something you should be aware of. Without appropriate travel insurance, you may be exposed to significant financial liability. It is important to know the risks and ensure that you are
If you're planning on teaching English overseas or just travelling, regardless if you have an individual or a family health insurance plan, emergency medical insurance is a smart thing to get. In our experience, and in dealing with our recommended advisors, we would strongly urge you to consider purchasing a private policy for the entire duration of your time abroad. In most cases, as an example, a 12 month policy will cost you only about ~$1 a day!
Even if medical insurance is covered by your contract, CONSIDER THE FOLLOWING:
- it does not start immediately
- it is only local coverage
- EXAMPLE: As an American or Australian, if you travel to Canada, YOUR MEDICAL INSURANCE DOES NOT cover you while you travel IN CANADA. You need to get travel insurance. As a teacher WORKING in another country, you cannot just get travel insurance, you have to get EXPAT insurance. You may qualify for TRAVEL INSURANCE from the country you are teaching in BUT the policy will be written entirely in the local language... be careful
- coverage may not be complete
- what if you need to come home
- what if you're ill and you need a family member to come to the country you're in
Do not rely on your current health plan whether government or private to cover the costs if you get sick or injured while you are abroad. At best, your health plan will cover only a portion of the bill.
Atlas Medical Insurance
Atlas expat medical insurance is great insurance for teachers heading overseas. Whether medical insurance is provided by your employer or not this is a policy worth considering especially when you may qualify for insurance for as low as $0.54 per day... that's right, 54 CENTS per day.
- You may arrive at your destination to find that your checked luggage with personal items has disappeared.
- A personal emergency may necessitate your early return to your Home Country.
- A medical emergency may require hospitalization or even air evacuation. In most cases your existing insurance will not provide adequate protection for these and other risks and in most cases the coverage that may be provided through your employer may not start for a certain period.
GET COVERED. BE SMART.
Without appropriate travel insurance, you may be exposed to significant financial liability or you may put unnecessary burden or implication on your family. This is not meant to scare you into getting coverage. This is purely meant to bring to your attention the reality of the situation and the implication of traveling overseas without appropriate safety measures in place.
NOTE: this product is available for most nationalities. (For Canadian applicants, you are only eligible after you have departed Canada. Once you have left Canada, you can apply for this insurance).
Am I Eligible For Atlas Overseas Medical Insurance?
- 14 days of age or older
- if under 70 – you may select you Overall Maximum Limit ranging from $50,000 to $1,000,000
- if you are 70 – 79, the Overall Maximum Limit available is $50,000
- if you are age 80 or older, the Overall Maximum Limit available is $10,000
- the minimum coverage period is 5 days and the maximum initial coverage period is 12 months.
Does the Atlas Travel Series provide any Home Country coverage?
- Yes. Under certain circumstances, the Atlas Travel Series will provide limited Home Country Coverage.
All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death and Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and Limits tab)
- Inpatient and Outpatient charges made by a Hospital.
- Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case.
- 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 devised for repeat use at home.
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
- Charges for oxygen and other gases and anesthetics and their administration.
- Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
- Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital.
- Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization.
Complications of Pregnancy:
- 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 cause 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 Series will provide $100 for each night you spend in the hospital. This benefit is in addition to payments for other covered expenses and is not subject to Deductible or Coinsurance.
Acute Onset of a Pre-Existing Condition:
- If you are a US Citizen under age 70, you are covered for an Acute Onset of a Pre-Existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. 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 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.
Emergency Medical Evacuation
- If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by HCC Medical Insurance Services (HCCMIS), the Atlas Series 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 Medical Evacuation, the Atlas Series 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 Medical Evacuation and reasonable expenses for lodging and meals for your relative, for a period not to exceed 15 days.
Return Minor Children
- If you are the only person age 18 or older, traveling with one or more children under the age of 18, who are also covered by the Atlas Series, and you are Hospitalized for treatment of a covered Illness or Injury resulting in the children being left unattended for a period of time expected to exceed 36 hours, the Atlas Series 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.
- The Atlas Series provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met:
- The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
- You have no direct or indirect involvement in the Act of Terrorism
- The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within 6 months prior to your date of arrival.
- You have not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.
- An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or put the public, or any section of the public, in fear.
- For additional benefits covering Acts of Terrorism including high limit AD&D and Permanent Total Disability coverage, contact your representative for additional information about this exciting product offering by HCC Medical Insurance Services.
Accidental Death and Dismemberment:
|14 days to 17 years||$5,000|
|18 to 69||$25,000|
- In the event of Accidental Death (except while traveling on a common carrier) or Dismemberment resulting from a covered Injury, the Atlas Series will provide the following benefit:
- Accidental Death – Principal Sum to the Beneficiary
- Loss of 2 eyes or 2 or more limbs – Principal Sum to the member
- Loss of 1 eye or limb – One Half of the Principal Sum to the member
- The Accidental Death and Dismemberment benefit is not available for losses incurred during participation in a Hazardous Sport or in respect to losses resulting from an Act of Terrorism.
Common Carrier Accidental Death:
- In the event of your Accidental Death while traveling on board a commercial common carrier, the Atlas Series will provide the following benefit: Principal Sum of $50,000 ($25,000 for children under age 18), subject to a maximum of $250,000 per family, to the Beneficiary designated on your Application. This benefit is not available in respect to losses resulting from an Act of Terrorism.
Repatriation of Remains:
- In the event of a covered Injury or Illness resulting in your death, the Atlas Series 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.
Natural Disaster Benefit
- In the event of natural disaster (hurricane, flood, tornado, tsunami, etc) the Atlas Series will provide up to $100 a day for 5 days if the member is Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike. Displaced is defined as required to depart the destination due to an evacuation ordered by prevailing authorities. Proof of paid accommodations must be submitted at the time of the claim.
- If, after you have departed, 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 Series 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
- 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 Series 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 Medical Evacuation, to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence.
Lost Checked Luggage
- In the event your checked luggage is permanently lost by the carrier, the Atlas Travel Series will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one of them. You must file a formal claim with the transportation provider and provide copies of all claim forms and proof that the transportation provider had paid you its normal reimbursement for the lost checked luggage.
The following is a list of the Schedule of Benefits listed for the Atlas Medical Insurance for Ex-Patriots.
|Schedule of Benefits and Limits|
|Deductibles:||$0, $100, $250, $500, $1,000 or $2,500 per Certificate Period|
|Coinsurance - Claims incurred in US or Canada:||For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the overall Maximum Limit|
|Coinsurance - Claims incurred outside US or Canada:||For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit|
|Hospital Room and Board:||Average Semi-private room rate, including nursing services|
|Local Ambulance:||Usual, Reasonable and Customary charges|
|Hospital Indemnity:||$100 per day (not subject to Deductible or Coinsurance)|
|Intensive Care Unit:||Usual, Reasonable and Customary charges|
|Outpatient Treatment:||Usual, Reasonable and Customary charges|
|Physical Therapy:||$50 per visit|
|All Other Eligible Medical Expenses:||Usual, Reasonable and Customary charges|
|Acute Onset of Pre-existing Condition:||
$15,000 limit per Certificate Period for Eligible Medical Expenses
$25,000 limit per Certificate Period for Emergency Medical Evacuation (only available to US citizens under age 70)
|Emergency Dental:||Accident - Overall Maximum Limit Acute Onset of Pain
$100 limit per Certificate Period
|Emergency Medical Evacuation:||Overall Maximum Limit|
|Emergency Reunion:||$15,000 limit per Certificate Period|
|Return of Minor Children:||$5,000 limit per Certificate Period|
|Terrorism:||$50,000 Maximum Lifetime Limit, Medical Expenses only|
|Accidental Death and Dismemberment:||
|Common Carrier Accidental Death:||$50,000 per adult, $25,000 children under age 18; $250,000 Maximum per family|
|Repatriation of Remains:||Overall Maximum Limit|
|Natural Disaster Benefit:||Up to $100 a day for 5 days when Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike|
|Trip Interruption:||$5,000 limit per Certificate Period|
|Lost Checked Luggage:||$250 limit per Certificate Period (not subject to Deductible or Coinsurance)|
|Hospital Pre-Notification Penalty:||50% of Eligible Medical Expenses|
|Optional Hazardous Sports Rider:||Overall Maximum Limit|
|Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment and Common Carrier Accidental Death):||Age 14 days to 69 - $50,000, $100,000, $200,000, $500,000 or $1,000,000; Age 80 or older - $10,000|
APPLY FOR EXPAT MEDICAL INSURANCE
Program Offered By Carey Alden
Macnaughton & Ward Ltd.
1276 Guildford Town Centre
Surrey, BC V3R 7B7
Phone: 604-783-0703 (ASK FOR CAREY)
This program is sponsored by Footprints Recruiting Inc, this policy is administered by HCC Medical Services (based in Indianapolis, USA), and underwritten by Lloyd's of London.
The following charges, treatments, surgeries, medications, conditions and circumstances are excluded from the Altas Medical Insurance Policy:
- Pre-existing Conditions - Charges resulting directly or indirectly from any Pre-existing Condition are excluded from this insurance. If you are a US citizen under age 70, you are covered for Medical and Emergency Medical Evacuation charges resulting from an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule of Benefits and Limits. A Pre-existing Condition is any illness, Injury or medical condition or chronic or recurring Illness or Injury or medical condition, including any associated complications or consequences, which existed at or during the 2 years immediately preceding your Effective date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that 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.
- Treatment for or related to any congenital condition
- Routine pre-natal care, childbirth, care of newborns, post-natal care, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof.
- 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.
- Mental Health Disorders or Substance Abuse
- Charges which are not incurred during the Certificate Period or the applicable Benefit Period, and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or the applicable Benefit Period.
- Charges for use of Emergency Room within the US for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness.
- Not Medically Necessary and administered or ordered by a Physician
- Provided at no cost, by a family member, or by a person who ordinarily resides with you, or which are attributable to or recoverable from any other party including government-sponsored plans.
- Charges which exceed Usual, Reasonable and Customary.
- Investigational, Experimental or for Research purposes.
- While confined primarily to receive Custodial Care, Educational or Rehabilitative care.
- Venereal Disease, AIDS or ARC.
- Treatment by a Chiropractor.
- Diseases of the skin.
- 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.
- Eyeglasses, vision exams, contact lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy, orthoptics 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.
- 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 while 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; and spelunking; and 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.
- 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.
- Willfully self-inflicted Injury or Illness and immunizations and Routine Physical Exams.
- The Deductible, Coinsurance and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the limits set forth in the Schedule of Benefits and Limits.
- Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
- 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.
- Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s)
- Organ or tissue transplants or related services
- Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof.
Insurance for as low as $0.53 a day (payment in full is required up-front)
- Determine the deductible you are prepared to pay
- Find the age range you fit into
- Pick the Maximum Limit you want for coverage
Please note that premiums shown below are in U.S. funds and full payment is required up-front.
ATLAS INTERNATIONAL - For travel outside of the US
If for any reason you wish to cancel your policy, you must submit your cancellation request in writing to HCC Medical Insurance Services in order to receive a refund of premium. To be eligible for a full refund, the request for cancellation must be received prior to your effective date. Cancellation requests received after the effective date will be subject to the following conditions:
1) a $25 cancellation fee will apply; and
2) only the unused portion of the plan cost will be refunded; and
3) only members who have no claims are eligible for premium refund.
If you have more questions please feel free to give Carey Alden a call: Phone: 604-783-0703
- Incidental Home Country Medical Coverage – for every 3 months of coverage purchases, the Atlas Series provides US citizens up to 15 days of incidental coverage for trips to your Home Country. Incidental visit time must be used within the three-month period earned and the member must continue his or her international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to the Home Country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.
- Benefit Period Medical Coverage – if you started a Benefit Period while this insurance was in effect, you are covered for Medical expenses only for the duration of the Benefit Period, regardless of whether you are at home or abroad. Your Benefit Period begins on the first date you receive a diagnosis or treatment of a covered Illness or Injury while outside your Home Country and lasts for 180 days.
- End of Trip Home Country Medical Coverage – If you are covered under the Atlas Series and outside of your Home Country continuously (expect for covered Incidental Trips as described above) for six (6) months or more you may purchase an additional 30 days of End of Trip Home Country Medical Coverage.
- Home Country Defined – If you are a US citizen, your Home Country is the United States, regardless of the location of you Principal Residence. If you are not a US citizen, your Home Country is the country where you principally reside and receive regular mail.
APPLY FOR EXPAT MEDICAL INSURANCE
For a full & current Description of Coverage, see download below
FOR MORE INFORMATION OR QUESTIONS:
Phone:604-783-0703 (ASK FOR CAREY)