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What’sCovered byAtlas Group ?countries or regions for which the U.S.Department of State has issued a level 3(“reconsider travel”) or level 4 (“do nottravel”) advisory in the 6 months prior toyour arrival date.INTERNATIONAL COVERAGEIf, during the coverage period and afteryour arrival, the U.S. Department of Stateissues a level 3 or level 4 travel advisoryfor your destination country, Atlas Groupwill coordinate your alternate departurearrangements from that country andcover eligible associated costs.Emergency Medical Evacuationand Emergency ReunionWould you know what to do if youfound yourself in a life-threateningsituation far from home? WorldTrips isexperienced in arranging emergencymedical evacuations. Atlas Group willcover eligible expenses necessary totransport you from an initial treatingfacility to the nearest hospital qualifiedto treat your life-threatening condition.We also understand the importance offamily support in these difficult situations. Atlas Group will also cover thetransportation, lodging, and meal costsfor a relative to join you after a coveredemergency medical evacuation, up tothe lifetime limit.Repatriation of RemainsWhat would your family do if disasterstrikes while you are away from home?The death of a loved one is never easy,no matter the circumstances. In theunfortunate event of your death whiletraveling abroad, Atlas Group will arrangefor and cover eligible costs associatedwith the repatriation of your remains.Return of Minor ChildrenIf you are expected to be hospitalizedfor more than 36 hours due to a coveredinjury or illness, and covered childrenunder 18 years of age will be left unattended as a result, Atlas Group will coverthe transportation cost for the childrento return home.TerrorismIn these turbulent times, the risk of aterrorist attack is a reality. If you are inthe wrong place at the wrong time, andthe country or region you’re visitingis NOT under a level 3 or level 4 traveladvisory, Atlas Group offers coveragefor eligible medical expenses resultingfrom those acts. Coverage excludesPolitical EvacuationNatural Disaster Benefit –Replacement AccommodationsNatural disasters can happen anywhereand at any time. If a natural disasteroccurs while on your trip, causing youto become displaced from your plannedand paid accommodations, Atlas Groupwill provide relief of a maxi-mum of 250a day for 5 days to help cover the costs ofalternative accommodations.Hospital IndemnityIf you are hospitalized, the world aroundyou does not stop. What’s more, in someplaces hospitals do not provide theirpatients basic necessities like meals,toothpaste or soap. If you are hospitalized as an inpatient for treatment of acovered illness or injury, Atlas Group willprovide 100 for each night you spend inthe hospital.ATLAS GROUP* QUALITYBENEFITSAcute Onset of Pre-ExistingConditionsAtlas Group provides a limitedbenefit up to the medical coveragelife-time maximum for eligible medicalexpenses. If you are younger than 80,you may be covered for an acute onsetof a **pre-existing condition. Thisalso includes up to a 25,000 lifetimemaximum for emergency medicalevac-uation.An acute onset of a pre-existing conditionis a sudden and unexpected outbreakor recurrence of a pre-existing conditionwhich occurs spontaneously and withoutadvance warning either in the form ofphysician recommendations or symptoms. Treatment must be obtained within24 hours of the sudden and unexpectedoutbreak or recurrence. Chronic andcongenital conditions, complications orconsequences of a chronic or congenitalcondition, or conditions that graduallybecome worse over time are excludedfrom coverage.Hospitalization & OutpatientTreatmentIf a covered illness or injury requireshospitalization, the plan provides coverage for eligible costs associated withhospitalization, including intensive careunit and outpatient treatment. SportsCoverageAtlas Group includes coverage foreligible injuries and illnesses thatcould occur while participating inmany popular vacation sports - skiing,snowboarding, snorkeling, water skiing,and others - at no additional cost.Certain extreme sports are excludedfrom coverage.Sports CoverageAtlas Group includes coverage for eligibleinjuries and illnesses that could occur

while participating in many popularvacation sports - skiing and snowboarding(recreational downhill and/or cross country), snorkeling, water skiing, and others- at no additional cost. Certain extremesports are excluded from coverage.Enrollmentand Filing aClaimComplications of PregnancyHOME COUNTRY COVERAGEAtlas Group offers coverage for complications of pregnancy during the first 26weeks of gestation.Incidental Home CountryCoverageCrisis ResponseAtlas Group offers up to 10,000 (or upto 100,000 if ***additional coverageis selected) to offset costs associatedwith kidnapping, such as ransom, crisisresponse expenses, and loss of personal belongings. This benefit includesaccess to the services of Unity CrisisGroup for advice, coordination with lawenforcement, and negotiations during akidnapping.Personal LiabilityAtlas Group offers up to 25,000 (orup to 100,000 if additional coverage isselected) to offset the following typesof court-entered eligible judgments orapproved settlements incurred by themember: Third-party injury Damage/loss of a third party’s personalproperty Damage/loss of a related third party’spersonal propertyFor individuals with U.S. as homecountry, for every three-month periodduring which the member is coveredhereunder, medical expenses incurredin the U.S. are covered up to a maximumof 15 days.For individuals with a home countryother than the U.S., for every threemonth period during which themember is covered hereunder, medicalexpenses incurred in the member’shome country are covered up to amaximum of 30 days.Any benefit accrued under a singlethree-month period does not accumulate to another period. Failure ofthe member to continue his or herinternational trip or the memberreturning to their home country for thesole purpose of obtaining treatmentfor an illness or injury that began whiletraveling shall void any home countrycoverage provided under the terms ofthis agreement.Benefit Period Medical CoverageWhile the certificate is in effect,the benefit period does not apply.Upon termination of the certificate,underwriters will pay eligible medicalexpenses, as defined herein, for up to90 days. This period begins on the firstday of diagnosis or treatment of a covered injury or illness incurred while themember was outside his or her homecountry and while the certificate was ineffect. The benefit period applies onlyto eligible medical expenses related tothe injury or illness that began whilethe certificate was in effect.EnrollmentYou may access the online quotingand purchasing system, or you maycomplete an application and mail orfax, along with your payment, to youragent or to WorldTrips.Claim FilingYou may file a claim by submitting aClaimant’s Statement and Authorizationform. This form may be found online,in Client Zone, or you may contactWorldTrips for a copy. Complete the form,attach all itemized invoices and paymentreceipts, and send them to the addressshown on the Claimant’s Statement andAuthorization form.This insurance is not subject to, and does not provide certain insurance benefits required by theUnited States’ Patient Protection and AffordableCare Act (“PPACA”). PPACA requires certain UScitizens or US residents to obtain PPACA compliant health insurance, or “minimum essentialcoverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverageto their employees. Tax penalties may be imposedon U.S. residents or citizens who do not maintainminimum essential coverage, and on certainemployers who do not offer PPACA compliantinsurance coverage to their employees. In somecases, certain individuals may be deemed to haveminimum essential coverage under PPACA evenif their insurance coverage does not provide allof the benefits required by PPACA. You shouldconsult your attorney or tax professional to determine whether this policy meets any obligationsyou may have under PPACA.Atlas Group is underwritten by Lloyd’s.WorldTrips is a service company and a memberof the Tokio Marine HCC group of companies.WorldTrips has authority to enter into contractsof insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which ismanaged by HCC Underwriting Agency, Ltd.*The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect theterms and conditions of any insurance policy issued by WorldTrips or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.**A pre-existing condition is any condition: for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you***A buy-up of an additional 90,000 is available for selection, which includes the added benefit of a 10,000 maximum for natural disaster evacuation.

OUTSTANDING CUSTOMERSERVICEWORLDWIDE TRAVEL ANDMEDICAL ASSISTANCEClient Zone and World ServiceCenterAtlas Group includes valuable traveland medical assistance services, whichare available 7 days a week, 365 days ayear. Contact WorldTrips to access any ofthese services.WorldTrips’ Client Zone is an onlineaccount management and resourcetool available to: Extend coverage and reprint IDcards Obtain details about claim filing anddownloading forms Locate providers within the PPONetworkMedical MonitoringConsultations with attending medicalprofessionals during hospitalization andestablishment of a single point-of-contactfor family members to receive ongoingupdates regarding medical status.Provider ReferralsLOG IN TO CLIENT ZONE AT:https://zone.worldtrips.com/clientzoneIf you prefer to speak to a professionalservice representative, contactWorldTrips’ World Service Center bycalling toll-free from various countriesor by calling collect. The World ServiceCenter can provide service in manydifferent languages.Contact UsA member of the Tokio Marine HCC group of companiesKHE2FFFYH6SP-971744701-195Contact information for Western-stylemedical facilities, medical and dentalpractices, and pharmacies in the destination country.Travel Document ReplacementAssistance with obtaining replacementpassports, birth certificates, visas,airline tickets, and other travel-relateddocuments.Lost Luggage AssistanceTracking service to assist in locatingluggage or other items lost in transit.Other Travel Assistance Services* Prescription Drug Replacement Emergency Travel Arrangements Dispatch of Physician Translation Assistance Credit Card / Traveler’s CheckReplacement*For a complete list of available assistance services or formore information, please contact WorldTrips. Travel andmedical assistance services are not insurance benefits.Any travel or medical assistance service provided is not aguarantee of any insurance benefit.

national medical insurance products designed to meet needs of consumers worldwide. WorldTrips is a member of the Tokio Marine HCC group of companies. Tokio Marine HCC is a leading specialty insurance group conducting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Headquartered