The 30,000 ft. View
| Deductible | $0 per certificate period |
| Overall Maximum Limit | Up to Age 64: $250,000 Age 65-69: $100,000 |
| Maximum per Injury or Illness | Up to Age 64: $250,000 Age 65-69: $100,000 |
| Coinsurance | SoVenture pays 100% of eligible expenses up to the overall maximum limit. |
| Emergency Room Copayment | Claims Incurred in the U.S.: You are responsible for a $100 copayment for each use of emergency room facility fee for each use of emergency for an illness unless you are admitted to the hospital. There will be no copayment for emergency room treatment of an injury. Claims Incurred Outside the U.S.: No copayment |
| Urgent Care Center Copayment | Claims Incurred in the U.S.: You are responsible for a $50 copayment for each visit Claims Incurred Outside the U.S.: No copayment |
| Travel Assistance Services | SoVenture customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.
Medical & Unexpected Death
Supplemental Travel
Emergency Transport
Exclusions
| Hospital Room and Board | Average semi-private room rate, including nursing services |
| Local Ambulance | Usual, reasonable, and customary charges for covered injury or illness. Illness must result in hospitalization as inpatient. |
| Intensive Care Unit | Up to the overall maximum limit |
| Outpatient Physical Therapy and Chiropractic Care | Up to $500 maximum |
| Emergency Dental | Up to $1,000 |
| Emergency Eye Exam Copayment | Up to $150; $50 deductible per occurrence |
| Hospital Indemnity | $100 per day of inpatient hospitalization |
| *Acute Onset of Pre-Existing Condition | Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
| All Other Eligible Medical Expenses | Up to the overall maximum limit |
| Repatriation of Remains | Up to $20,000 lifetime maximum – not subject to overall maximum limit |
| Local Burial or Cremation | Up to $10,000 lifetime maximum |
| 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 $250,000 maximum benefit any one family or group (not subject to overall maximum limit) |
| Common Carrier Accidental Death | Under Age 18: $10,000 Ages 18 Through 69: $50,000 Subject to a maximum of $250,000 any one family or group (not subject to overall maximum limit) |
*Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
| Travel Delay | Up to $100 a day (2-day maximum) after a 12-hour delay period requiring an unplanned overnight stay |
| Lost Checked Luggage | Up to $3,000 per certificate period (up to $500 per item) Up to $6,000 lifetime limit |
| Lost or Stolen Passport/Travel Visa | Up to $100 |
| Border Entry Protection | Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border |
| Emergency Quarantine Indemnity – COVID-19 | $50 a day for up to 10 days. Must have a minimum of 1 month of coverage. Proof of quarantine mandated by a physician or governmental authority required. Quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results. Benefit may be used only once per 12-month period. Not available while in your home country. |
| Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10,000 lifetime maximum (not subject to overall maximum limit) |
| Natural Disaster—Replacement Accommodations | Up to $100 a day (5-day maximum) |
| Personal Liability | Up to: $25,000 lifetime maximum $25,000 third-person injury $25,000 third-person property $2,500 related third-person property (not subject to overall maximum limit) |
*Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
| Trip Interruption | Up to $5,000 |
| Emergency Medical Evacuation | Up to $100,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click “Exclusions” tab to see benefit description; not subject to overall maximum limit) |
| Political Evacuation | Up to $10,000 lifetime maximum |
| Emergency Reunion | Up to $50,000 (15-day maximum) |
| Bedside Visit | Up to $1,500 |
| Return of Minor Children | Up to $5,000 |
| Pet Return | Up to $1,000 |
*Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
| Excluded Medical Expenses | Certain types of medical expenses are excluded from coverage under Atlas Nomads insurance. Contact us for a complete list of exclusions.
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| Excluded Activities | Visit our FAQ page for a complete list of excluded activities. |
| Pre-Existing Conditions | *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. |
| Acute Onset of Pre-Existing Condition | **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 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:
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*Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
