Atlantic Insurance
Atlantic Insurance is a travel insurance for the CY market with no online purchase and limited assistance availability.
Direct payment
The insured must settle medical expenses out of pocket and then submit a claim to Atlantic Insurance with receipts and supporting documentation. Direct payment to providers is not stated in the policy documents.
Geographic scope
CY
Worldwide while on a trip (50% surcharge for USA and Canada)
Unique selling points
- No pandemic exclusion applies to standard travel plans A, B, C and D — COVID-19 and pandemic-related medical expenses are covered without additional premium under these plans.
- The policy satisfies Schengen visa requirements with a dedicated Schengen Visa plan providing at least €30,000 in medical and repatriation cover, enabling visa-compliant travel from Cyprus.
- Annual multi-trip policies with increased coverage limits are available for frequent travellers, eliminating the need to purchase a new policy for every trip.
- Four distinct coverage plans (A, B, C and D) allow customers to select the level of protection that matches their travel needs and budget, with trip cancellation available under the higher plans.
- Atlantic Insurance is a Cyprus Stock Exchange-listed insurer regulated by the Ministry of Finance since 1983, offering travel cover with no online purchase barrier via a dedicated quote channel.
Coverage limits
Medical Expenses (including Repatriation)
Covered
Hospital medical treatment expenses, additional accommodation, travelling and repatriation expenses necessarily incurred outside Cyprus as a direct result of accidental bodily injury or serious sickness. For the Schengen Visa plan, coverage is up to €30,000. Charges for transport of body or ashes to Cyprus or funeral expenses overseas in the event of death are also included. Contact Atlantic Insurance for limits applicable to plans A–D.
Emergency Medical Treatment
Covered
Coverage for urgent medical treatment expenses necessarily incurred outside Cyprus as a direct result of accidental bodily injury (Section 3) or serious sickness (Section 4). For Schengen Visa travel, minimum coverage of €30,000 is required and provided.
Hospitalization
—
Outpatient Treatment
—
Emergency Dental Treatment
Excluded
Compensation under Sections 3 and 4 (medical expenses) shall not be payable for dental treatment. Dental services are explicitly excluded from all medical coverage sections.
Medical Transport
Covered
Additional travelling expenses necessarily incurred outside Cyprus as a direct result of accidental bodily injury or serious sickness are covered under Sections 3 and 4. Charges for the transport of body or ashes to Cyprus or funeral expenses overseas in the event of death are also included.
Medical Evacuation
Covered
Repatriation expenses necessarily incurred outside Cyprus as a direct result of accidental bodily injury or serious sickness are covered under Sections 3 and 4. The Schengen Visa plan specifically covers repatriation for medical reasons up to €30,000.
Repatriation of Remains
Covered
Charges for the transport of body or ashes to Cyprus, or funeral expenses overseas in the event of death, are covered under Sections 3 and 4. The specific monetary limit is not separately published and falls within the overall medical/travel expenses limit.
Search and Rescue
Not offered
Search and rescue is not mentioned as a covered benefit in the IPID or the official product pages. Adventure sports such as mountaineering are explicitly excluded, which are activities most commonly associated with search and rescue scenarios.
COVID-19 / Pandemic Treatment
Covered
There is no pandemic exclusion under travel insurance plans A, B, C and D; COVID-19/pandemic treatment is covered within the standard medical expenses coverage. For the Schengen Visa plan, pandemic coverage requires a 35% extra premium charge and is limited to vaccinated persons only.
Pre-existing Conditions
Excluded
Any loss or damage or any liability of the insured person resulting from a pre-existing disability or illness is explicitly excluded. Additionally, loss or hospitalization resulting from a medical condition for which the insured person is receiving or is on a waiting list for in-patient treatment, or has received a terminal prognosis, is not covered under Sections 3, 4 and 6.
Winter Sports Cover
Optional
Loss arising from bodily injury sustained whilst engaged in winter sports is excluded from the standard policy. However, winter sports cover can be added upon payment of an applicable additional premium.
Adventure Sports Cover
Excluded
Loss arising from bodily injury sustained whilst engaged in racing, motor rallies and competitions, professional sports, mountaineering, pot holing, skin diving, scuba diving or any form of aerial flight (except as a passenger in a fully licensed standard type aircraft) is explicitly excluded. No optional extension for these activities is mentioned in the sources.
Pregnancy Complications
Excluded
Any loss or damage or any liability of the insured person resulting from pregnancy or confinement is explicitly excluded from coverage under all sections.
Personal Liability
Covered
Coverage for accidental injury to any person and accidental loss of or damage to property. Under the Schengen Visa plan the Personal Liability cover is up to €10,000. Excluded are animals belonging to or in the control of the insured, any wilful, malicious or unlawful act, pursuit of trade or profession, and ownership or use of vehicles, aircraft or watercraft.
Legal Assistance
Not offered
Legal assistance is not listed as a covered section in the IPID or official product pages. The policy sections cover Personal Accident, Flight Insurance, Medical Expenses (accident and sickness), Personal Liability, Loss of Deposit/Cancellation, Personal Luggage, and Personal Money/Documents only.
24/7 Assistance Service
Not offered
A dedicated 24/7 travel assistance service is not explicitly listed as a covered benefit in the IPID or official travel insurance product pages reviewed.
Key conditions
Assistance call deadline
The policy requires that any occurrence which may give rise to a claim must be notified to the insurer immediately in writing. No specific pre-authorisation or assistance call deadline is stated in the IPID for travel medical claims.
Unauthorized treatment
The insured must not undertake admission of any offer, promise or payment without the insurer's written consent. Seeking treatment without proper notification may affect coverage. Medical charges incurred in Cyprus are not covered under Sections 3, 4 and 6.
Purchase while abroad
The policy is issued by Atlantic Insurance Co. Public Ltd in Cyprus. No specific provision for purchasing or extending the policy while already abroad is stated in the reviewed sources. The premium must be paid before or on its due date.
Chronic conditions
Loss or hospitalization resulting from a medical condition for which the insured person is receiving or is on a waiting list for in-patient treatment is not covered under Sections 3, 4 and 6. Chronic disease management is therefore effectively excluded.
Pregnancy
Any loss or damage or any liability of the insured person resulting from pregnancy or confinement is explicitly excluded from all sections of the policy.
pre_existing_conditions
Any loss or damage or any liability resulting from a pre-existing disability or illness is explicitly excluded. Additionally, loss or hospitalization resulting from a medical condition for which the insured person is receiving treatment, on a waiting list for in-patient treatment, or has received a terminal prognosis, is not covered under Sections 3, 4 and 6.
coverage_duration_limit
The period of insurance is always indicated in the schedule of the insurance policy. For all sections except Section 6, coverage starts when the insured enters the place of departure on the commencement date of travel (or at policy inception, whichever is later) and terminates when the insured exits the place of arrival or upon completion of the number of days specified in the schedule (whichever is earlier). Annual policies with increased limits are available for frequent travellers.
Policy specifics
Trip Cancellation
Reimbursement for trip cancellation if necessarily and unavoidably cancelled for specified reasons
Medical Expenses with Repatriation
Coverage for urgent medical treatment and repatriation expenses for medical reasons
USA and Canada Coverage Surcharge
Extra charge of 50% applied for coverage extending to USA and Canada
Pandemic Coverage
No pandemic exclusion under standard travel plans A, B, C and D
Winter Sports Exclusion
Winter sports are excluded from coverage
Age Limits for Personal Accident Coverage
No compensation for insured persons under 5 years; limited compensation (€2,000) for ages 5-16; limited compensation (€10,000) for ages above 70
Dental Treatment Exclusion
Compensation under Sections 3 and 4 (medical expenses) shall not be payable for dental treatment
Baggage Theft Reporting Requirement
Theft of baggage or personal effects must be reported to Police or hotel management
Money Loss Reporting Requirement
Money losses must be reported to Police within 24 hours with relevant report obtained
Annual Travel Policies for Frequent Travellers
Annual policies available for frequent travellers with increased coverage limits