For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above.

Upon attaining ages 70-79 Acute Onset benefits will be reduced to a Maximum of $35,000, upon attaining age 80 Acute Onset benefits will be reduced to a Maximum of $15,000 with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. Any repeat/reoccurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.

Definition: A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing condition. Sudden and Acute Onset of a Pre- Existing Condition Coverage expires upon medical advice that the condition and Onset is no longer acute or you are discharged from a medical facility.

Acute Onset of Pre-existing Conditions • Insured Person must be under 70 years of age

Refer to the ACUTE ONSET OF PRE-EXISTING CONDITIONS provision for further details and requirements

Visitors Care Lite: $25,000 Maximum Limit: ( Subject to sub-limits)

Visitors Care Plus: $50,000 Maximum Limit: ( Subject to sub-limits)

Visitors Care Platinum: $100,000 Maximum Limit: ( Subject to sub-limits)

Sudden onset of a Pre-existing Look Back - up to age 69 ($25,000 Maximum Limit for Medical Evacuations) $50,000 Maximum Limit for Basic Coverage Option $75,000 for Premier Coverage Option, Age 80+ Coverage Option, No Coverage.

Pre-existing Condition/Pre-existing Look Back for Basic Coverage Option No Coverage/3 years, Premier Coverage Option No Coverage/2 years, Age 80+ Coverage Option, No Coverage/Permanent

Definition: Sudden onset of a Pre-existing Condition - up to Age 69 ($25,000 Maximum Limit for Medical Evacuations) If you have a prior health condition which suddenly and unexpectedly asserts itself during your travel, the Overseas Care™ Visitors Insurance™ Plan does provide a limited amount of coverage to help mitigate this unpleasant surprise. The Overseas Care™ Visitors Insurance™ Plan offers coverage up to $50,000 in Basic Plan or $75,000 in Premier Plan (including emergency medical evacuation) for existing conditions which are not undergoing treatment, including medication or therapy of any kind. Enjoy peace of mind, even if your health history has a few blemishes with this powerful benefit.

Acute Onset of Pre-existing Condition prior to age 79 – Plan- A & B: Ages up to 69: Up to lesser of Medical Maximum or $100,000 or Ages 70-79: Up to lesser of Medical Maximum or $35,000 and Plan C: Ages up to 69: Up to the medical maximum. $25,000 maximum per emergency medical evacuation related to an acute onset of a preexisting condition

Definition: The sudden and unexpected outbreak or reoccurrence of a Pre-existing Condition(s), which occurs Unexpectedly and without advance warning either in the form of Physician recommendation or symptoms (which would have caused a prudent person to seek medical advice, attention or treatment), is short in duration, is rapidly progressive and requires urgent care. e Sudden Onset of a Pre-existing Condition(s) must occur an er the Effective Date of Coverage or Effective Date of insurance. Treatment for the Sudden Onset of a Pre-existing Condition must be obtained within Twenty- Four (24) hours of the sudden and unexpected outbreak or reoccurrence. A Pre-existing Condition that is a Congenital condition or that gradually gets worse over time will not be considered a “Sudden Onset of a Pre-existing Condition”. e Sudden Onset of a Pre-existing Condition does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatment existent or necessary prior to the Effective Date of Coverage or Effective Date of Insurance. e Sudden Onset of a Pre-existing Condition does not include treatment an er the initial stabilization of a covered or eligible bene t for “Sudden Onset of a Pre-existing Condition”.

Acute Onset of Pre-Existing Conditions:

Atlas Travel provides a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 80, you may be covered for an acute onset of a preexisting condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation. An 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, of that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute of Pre-existing Conditions benefit will only apply if all of the following conditions are met:

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

Acute Onset of Pre-existing Conditions Insured Person must be under 70 years of age. Up to the Period of Coverage limit

ACUTE ONSET OF PRE-EXISTING CONDITIONS: Subject to the applicable Deductible and Coinsurance and the various limits and sub-limits set forth in the BENEFIT SUMMARY, and the Terms of this insurance, including without limitation the CONDITIONS AND RESTRICTIONS subparagraph below, and in the event the Insured Person suffers or experiences an Acute Onset of a Pre-existing Condition during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred during the Period of Coverage with respect to the Acute Onset of the Pre-existing Condition.

ACUTE ONSET OF PRE-EXISTING CONDITION For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000. Upon attaining age 70, Acute Onset of Pre-existing Condition benefits are not available.

ACUTE ONSET OF PRE-EXISTING CONDITION for an Acute Onset of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event: 1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care; 2. occurs a minimum of 48 hours after the Effective Date of the Policy; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Any repeat/reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Acute Onset episode of a Pre-Existing Condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and onset is no longer acute, or the Covered Person is discharged from a medical facility.

Walk-in Clinic/Urgent Care co-pay $15/$25, than 100% benefits (not subject to deductible or co-insurance).
Deductibles are available from $250 to $2500. Policy Maximums: Through Age 69: $50,000, $100,000, or $250,000. Policy Maximum: Ages 70 and older: $50,000.

*** Pre-Existing Conditions: Deductible: $1,500 per injury or illness (plan deductible waived) - Maximum limit through age 69: $25,000 and Maximum limit ages 70 and older: $20,000***
*** COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance***

Standard pre-existing conditions ( 6 months stable without presenting symptoms and without change in medication) up to USD $500,000

Comprehensive Coverage with higher policy maximum up to $200K for ages 80+