Atlantic Insurance Co. Public Ltd
Atlantic
Atlantic is a travel insurance for the Cyprus market with no online purchase and limited assistance availability.
Direct payment
The premium is payable in a single payment upon issuance of the policy, by cash, credit or debit card, cheque or bank order.
Geographic scope
Worldwide
Worldwide while the insured person is on a trip; an extra 50% surcharge applies for travel to the USA and Canada.
Unique selling points
- No pandemic exclusion under standard travel insurance plans A, B, C and D, unlike many market policies that exclude pandemics outright.
- Annual policies available for frequent travellers with increased limits offered upon request.
- Worldwide cover including travel to the USA and Canada, available with a premium surcharge rather than a flat exclusion.
- Trip cancellation and curtailment cover included for necessarily and unavoidably cancelled trips under plans C and D.
- Reimbursement of up to €100 for emergency purchase of essential clothing if luggage is not delivered within 12 hours of arrival.
Coverage limits
Medical Expenses
€30,000
Hospital medical treatment, additional accommodation, travelling and repatriation expenses necessarily incurred outside Cyprus as a direct result of accidental bodily injury or serious sickness (Sections 3 and 4). The €30,000 ceiling (including repatriation) is published only for the Schengen Visa plan; the equivalent limits under standard plans A, B, C and D are not published in the available sources.
Emergency Medical Treatment
€30,000
Urgent medical attention and emergency hospital treatment abroad is covered under Sections 3 and 4. The €30,000 ceiling is the published minimum/ceiling under the Schengen Visa plan; A-D plan limits are not published.
Hospitalization
Covered
Hospital medical treatment expenses necessarily incurred outside Cyprus following accidental bodily injury or serious sickness are covered under Sections 3 and 4; no specific sum insured is published.
Outpatient Treatment
No limit stated
Not separately specified in the available policy documents.
Emergency Dental Treatment
Excluded
Compensation under Sections 3 and 4 shall not be payable for dental treatment.
Medical Transport
Covered
Travelling and repatriation expenses necessarily incurred outside Cyprus as a direct result of accidental bodily injury or serious sickness are covered under Sections 3 and 4; no specific sum insured is published outside the Schengen plan's €30,000 ceiling.
Medical Evacuation
Covered
Repatriation expenses following accidental bodily injury or serious sickness are covered under Sections 3 and 4; the Schengen Visa plan's medical expenses ceiling of €30,000 explicitly includes repatriation expenses.
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; no specific sum insured is published.
COVID-19 / Pandemic Treatment
Conditional
There is no pandemic exclusion under standard travel insurance plans A, B, C and D. Under the Schengen Visa plan, pandemic cover is optional, requires a 35% extra premium, and is offered to vaccinated persons only.
Pre-existing Conditions
Excluded
Any loss, damage or liability resulting from pre-existing disability or illness is excluded, as is any loss or hospitalization from a condition for which the insured is receiving or on a waiting list for in-patient treatment, or has received a terminal prognosis (applicable to Sections 3, 4 and 6).
Winter Sports Cover
Optional
Loss arising from bodily injury sustained while engaged in winter sports is excluded unless the applicable additional premium is paid.
Adventure Sports Cover
Excluded
Loss arising from bodily injury sustained while engaged in racing, motor rallies and competitions, professional sports, mountaineering, pot holing, skin diving, scuba diving, or motorcycling is excluded.
Pregnancy Complications
Excluded
Any loss, damage or liability of the insured person resulting from pregnancy or confinement is excluded.
Personal Liability
€10,000
Section 5 covers accidental injury to any person and accidental loss of or damage to property. The €10,000 ceiling is published for the Schengen Visa plan; limits for standard plans A-D are not published in the available sources. Excludes animals, wilful/malicious/unlawful acts, trade/business/profession, and ownership/use of vehicles, aircraft or watercraft.
24/7 Assistance
No limit stated
The available sources list only the head office telephone number; no dedicated 24/7 emergency assistance line is documented.
Key conditions
Assistance call deadline
Not specified in the available policy documents. The insured must immediately notify the Company in writing of any occurrence that may give rise to a claim.
Unauthorized treatment
Not specified in the available policy documents.
Purchase while abroad
Not specified in the available policy documents.
Chronic conditions
Loss or liability resulting from pre-existing disability or illness is excluded, and loss or hospitalization from a condition for which the insured is on a waiting list for in-patient treatment or has received a terminal prognosis is excluded (Sections 3, 4 and 6).
Pregnancy
Any loss, damage or liability resulting from pregnancy or confinement is excluded from cover.
Pre-existing condition exclusions
Pre-existing disabilities or illnesses are excluded, including conditions for which the insured is on a waiting list for treatment or has received a terminal prognosis.
Coverage duration limit
Cover under Section 6 starts when the policy is issued and ends when the planned holiday begins. For all other sections, cover starts when the insured enters the place of departure on the travel date or at policy inception (whichever is later) and ends when the insured returns to the place of departure or upon completion of the number of days specified in the schedule, whichever occurs first.
Policy specifics
Schengen Minimum Medical Coverage
Mandatory minimum of €30,000 for medical expenses and repatriation when applying for Schengen visa
SourceTrip Cancellation Coverage
Trip cancellation reimbursement available only under plans C and D for necessarily and unavoidably cancelled trips
SourcePandemic Coverage Option
No pandemic exclusion under standard travel insurance plans A, B, C and D; Schengen Visa plan requires 35% extra charge for pandemic coverage
SourceUSA and Canada Coverage Surcharge
Travel to USA and Canada available with extra charge of 50% applied to standard premium
SourceAnnual Frequent Traveller Plans
Atlantic offers annual policies for frequent travellers with increased limits available upon request
SourceAge Coverage Restrictions
No compensation under Section 2 for insured persons under 16 years or over 70 years of age; specific exclusions apply to other sections
SourceDental Treatment Exclusion
Compensation under Sections 3 and 4 shall not be payable for dental treatment
SourceBaggage Theft Police Reporting Requirement
Theft of baggage or personal effects not reported to Police or hotel management invalidates claim (Sections 7 and 8)
SourceCash Loss Police Reporting Requirement
Money losses not reported to Police within 24 hours (with official report obtained) invalidate claims (Sections 7 and 8)
SourceCash Carrying Restriction
Loss of cash not carried by the insured person is not covered (Sections 7 and 8)
SourceCoverage Period and Trigger Events
Section 6 (trip cancellation) cover starts immediately when policy issued and terminates on commencement of planned holiday; other sections start when insured enters place of departure on travel date or policy inception (whichever occurs later)
Source