Insurance for Teachers USA

What is insured?

Medical Assistance and Travel Assistance Coverage

• Medical, pharmaceutical or hospitalization expenses abroad.
• Medical, pharmaceutical or hospitalization expenses in the country of origin.
• Emergency dental expenses abroad.
• Advance deposit for hospitalization abroad.
• Extension of stay.
• Shipping medicines abroad.
• Psychological care in crisis situations during the trip.
• Medical transfer or medical repatriation.
• Second medical opinion.
• Travel expenses for a companion.
• Stay expenses for the companion of the hospitalized insured.
• Medical expenses of the companion.
• Return expenses for companions.
• Return of minors.
• Transfer or repatriation of mortal remains.
• Travel expenses for the companion of mortal remains.
• Stay expenses for accompanying mortal remains.
• Return of companions of the deceased.
• Replacement of the Insured due to repatriation or death.
• Return to the workplace.
• Loss or theft of personal documents abroad.
• Lost hotel keys.
• Loss of house keys.
• Shipping of objects forgotten during the trip.
• Compensation as a result of kidnapping.
• Legal assistance abroad.
• Assistance at home.

Coverage Incidents on trips and flights

• Loss or theft of luggage.
• Delay in the delivery of checked luggage on public transport.
• Delay of the means of transportation.
• Loss of connections.
• Delay of the means of transport due to overbooking.
• Cancellation of the means of transport.
• Access to VIP service for incidents in the means of transport.
• Cancellation of the departure of the means of transport due to strike.
• Early return of the Insured due to the death of a family member.
• Early return of the Insured due to hospitalization of a family member.
• Early return of the Insured due to a serious accident at the habitual residence or professional premises.

Travel Assistance Services

• Traveler information service.
• Remote medical consultation or advice.
• Medical teleconsultation.
• Help with administrative procedures for hospitalization abroad.
• Transmission of urgent messages.
• Location of lost luggage or personal items.
• Management of cash delivery abroad.
• Country guide.

Private Civil Liability Coverage

Coverage Optional contract

• Death and absolute disability due to accident
• Trip cancellation

* All coverage is subject to the conditions developed in the Insurance Contract.
The information contained in this document does not imply a contractual obligation, having only commercial value.

All companies, regardless of their size, have the moral and legal obligation to take care of and protect their employees, mitigating their risks during their work day and during their professional trips.

To do this, and with regard to the professional trips of its employees, the company must:

• Ensure correct evaluation and preparation to face the risks involved in work trips to remote locations or to places with additional complications, incorporating measures aimed at minimizing potential risks.
• Provide employees who travel for business with the necessary tools to anticipate the risks to which they may be exposed and provide them with a
  Quick and easy access to emergency healthcare or security assistance, including real-time alerts and information.

The duty of protection of Spanish companies extends to situations in which the company transfers employees to comply with the professional obligations entrusted to it. Therefore, this protection obligation extends throughout the entire period of time that the employee resides in the new destination, as well as when he or she is traveling for professional reasons, especially when the employee must submit to the decisions of his or her company regarding residence. and transportation.

According to the criteria of the Supreme Court, “workplace” is understood to be any place where the employee is instructed to carry out the professional activity that has been assigned to him, even when it is not the usual place of work. However, the company shall not bear any liability if the accident or damage occurs outside of working hours, for example as a result of a sports accident at the weekend.

In the event of unforeseen events related to a person's illness, disability or death, life insurance protects the economic stability of family members, guaranteeing that the beneficiaries will receive the sum of the insured capital. Life insurance includes, depending on the policy taken out, coverage for accidents, both domestic and traffic, or any situation that may occur outside the home.

In our legislation, corporate administrators are responsible with their own personal assets, present and future, for the harmful consequences that arise from their management activity. Also understanding that the principle of solidarity of all members of the administrative body implies that each of them is responsible for the entirety of the economic damage caused to third parties, the subscription of D&O Insurance (Civil Liability of Directors) is practically mandatory, which, In the event of a lawsuit against a person in their capacity as Administrator or senior official of the company, bear all the defense costs of the defendant(s), as well as the compensation to which they could be sentenced, up to the contracted coverage limit.

The market currently offers numerous D&O products. At ATCA we study the information provided by our clients and look for the best options so that the chosen alternative fits exactly to their insurance needs.

Expatriate Health Insurance is designed for people living and working abroad. It is designed to offer the insured member and their family access to medical care wherever in the world they reside.

We have experience in this type of risk and we process the best option for groups or individuals who want to ensure they receive the best health care anywhere in the world.

We have a wide portfolio of Expats who receive the best service. Trust us with your expansion plan and your stay abroad.

At ATCA we insure groups of expatriates around the world, with the best insurance options and with the greatest tradition in Europe.

WHAT DOES TRAVEL INSURANCE COVER?

MEDICAL ASSISTANCE

It is probably the main reason why we take out travel insurance. The medical expenses guarantee is the most important of your insurance since it covers accidents, serious illnesses or doctor visits that may occur during your trip.

Thanks to this guarantee, expenses resulting from illness or accident that you suffer during the trip are covered up to the limit that you have contracted in your policy. We take care of the costs of a medical consultation, hospitalization, a surgical intervention, medications and even emergency dental expenses... We will even cover, up to the contracted limit, unforeseen expenses caused by the extension of your stay in a hotel if you do not You can travel on the initially scheduled date.

Choose insurance that covers medical, surgical and pharmaceutical expenses and with limits appropriate to your destination. The cost of medicine in the USA or some Asian countries is much higher than in Europe. As an example, an appendicitis operation in the USA can cost between 25,000$ and 40,000$.

In addition, you will have at your disposal the best international medical assistance network anywhere in the world. Our team is available 24 hours a day, 365 days a year to assist you if you experience any health problem during your trip. And without advancing money. In case of emergency, you only have to contact the 24-hour Assistance platform to coordinate the visit with a medical center and manage the payment of invoices directly with the administration of the medical center. This way you will not have to pay any expenses at the hospital or outpatient center.

The travel insurance we offer covers medical assistance in case of Covid-19 infection, including testing if necessary.

There are exclusions in medical expenses that you should consult in the general conditions of the contract.

REPATRIATION

If repatriation is necessary due to a serious health problem or death, make sure that your policy does not have financial limits for this coverage. Also check that it allows repatriation accompanied by a family member without any additional cost.

Our travel insurance covers all repatriation costs for the injured, sick and deceased on an unlimited basis. This means that we organize and pay for your return home and make adapted medical transport available to you if necessary.

In the event of repatriation due to illness, accident or death, the repatriation costs of your companion and any minors traveling with you are also covered, provided they cannot return with the initially planned means.

EARLY RETURN

Take out insurance that includes this coverage since during your trip situations may occur that force you to return home (hospitalization due to an accident or serious illness of a family member or death of a family member or serious accident in your home). It is important that you check what degree of relationship your insurance includes.

It is very important to see the clauses of these guarantees since for some companies it only applies in the event that the ticket contracted by the insured for the return trip to Spain does not allow them to anticipate it or they apply surcharges or penalties.

These insurers consider that an “early return” cannot occur if there is no previously purchased return ticket.

This especially affects Long Stay trips where there is no fixed ticket for the return to Spain.

DISPLACEMENT OF A FAMILY MEMBER OR COMPANION

If during the trip you need to be hospitalized for a minimum of days, we cover a round-trip ticket and hotel expenses so that a family member can accompany you.

THEFT AND DAMAGE TO LUGGAGE

Theft and damage to luggage are the coverage that causes the most losses in this type of insurance. Take out insurance that covers luggage and documentation since this incident is a big problem when we are away from our usual home.

In the event of your luggage being stolen, we guarantee compensation for the loss of your materials and personal belongings up to the limit you have contracted. In addition, we will help you manage the claim for your suitcase and its location.

The justified expenses are also covered, up to the established limit, to obtain the necessary documents for your trip (passport, visa, credit cards...)

If your luggage is lost, we will help you search and locate it and we will cover the shipping costs to your home.

There are exclusions (money, for example) and limitations that you should consult in the general conditions of the contract.

TRANSPORTATION INCIDENTS AND DELAYS IN THE DELIVERY OF LUGGAGE

Sometimes our trip can be canceled by the carrier, suffer delays in its departure, we can miss a connection... which can generate extra expenses. The insurance reimburses unforeseen travel, accommodation and subsistence expenses.

Likewise, we may find when we arrive at our destination that our luggage has been lost during the trip. In that case we will cover the purchase of the essential items you need until your luggage is delivered to you.

CIVIL LIABILITY

The Civil Liability guarantee covers, up to the established limit, the compensation that the insured must pay in his or her capacity as a private person, as civilly responsible for bodily harm or material damage caused involuntarily to third parties in their persons, animals or things during the trip. In addition, the Company itself will be in charge of the entire process, assuming the legal costs and fees, the provision of judicial bonds required of the insured.

There are exclusions that you should consult in the general conditions of the contract.

VACATION CANCELLATION AND REFUND

If you have to cancel your trip before starting it, you will most likely suffer a significant financial loss. Check that your insurance will compensate you if any of these contingencies occur and what its financial limit is. It is very important that you check which causes are covered.

If an unforeseen event arises that prevents you from making the trip at the last minute, the company will reimburse you for the management, cancellation and penalty costs that are billed to you by the trip provider.

The insurance covers the cost of the trip not taken for different reasons:

• · Health reasons: accident, death or serious illness of the insured or a family member; call for surgical intervention; appointment for transplant….
• · Employment reasons: professional dismissal or incorporation into a new job; presentation to official opposition exams….
• · For legal reasons: convening as part of a Court or a polling station; placing a child for adoption; the non-granting of visas for unjustified reasons….
• · Extraordinary causes: act of air piracy, declaration of a catastrophic zone of the origin or destination of the trip, serious damage to the insured's home...
• · For other reasons such as cancellation of the companion's trip for covered reasons, theft of documentation or luggage; cancellation of the wedding if it is a honeymoon trip….

In the same way, if you have to interrupt your trip, once it has started, due to an accident or illness, hospitalization or death of a family member, serious damage to your home... The insurance assumes the cost of services contracted before the start of the trip that cannot be used or reimbursed.

(1) It is not essential that there be a previously purchased return ticket. Contact us and we will explain the nuances of these coverages.

If winter sports are your thing, at ATCA we offer you two types of insurance so you can enjoy any track in the world with the peace of mind and security of practicing your favorite winter sport together with the leader in travel assistance. Coverage for your trips to practice as an amateur: Alpine skiing on slopes, cross-country skiing on circuits for the use of said discipline, artistic skiing, ski jumping, snowboarding, monoskiing or snow surfing. ALWAYS within the premises of oneski tion. EXCLUDING professional practice and practice in closed or unauthorized areas of the station.

Those defined below are the main product features, which must be respected and followed in their marketing and distribution. 

Type of insurance:

• Individual Insurance: Coverage from the beginning of the trip until your return, with specific benefits for practicing your favorite sport. With the option of contracting coverage for CANCELLATION OF A TRIP NOT STARTED, being able to insure amounts from €300 to a maximum of €6,000. 
• Group Insurance: Coverage ONLY during sports practice. Groups of more than 10 people.

What does this type of insurance consist of?
This is a Civil Liability insurance that protects the assets of Directors and Senior Officials against claims for acts
negligent management in the development of their functions.

What is insured?
-Responsibility of the Administrator or Senior Manager
-Defense Expenses
-Legal Representation Expenses
-Extradition Expenses
-Advertising Expenses
-Risk Management Expenses
-Bails
-Claims for Labor Practices
-New Positions
-Administrative Sanctions
-Bankruptcy Liability of the Administrator or Senior Official
-Expenses of Constitution of the Bankruptcy Guarantee
-Subsidiary Tax Liability of the
-Administrator or Senior Manager
-Inspection Expenses in Defense Matters
-Competence
-Expenses for establishing the Guarantee to avoid
-Preventive Embargo
-Professional Disqualification of the Administrator or Senior Official
-Subsidiary responsibility for Safety
-Social of the Administrator or Senior Official
-Emergency Expenses
-Expenses of Deprivation of Assets
-Pollution
-Psychological Assistance Expenses
-Defense Expenditures on Prevention of
-Occupational hazards
-Defense Expenses in Homicide Claims
-Business (Corporate Manslaughter)

Additionally, you may have additional guarantees and/or services. Review the complete contents of the policy.

What is not insured?

You, unless expressly waived by the insurer, will not be insured if any of the events incorporated in the contract occur, among which we can highlight the following:
-Claims based on or derived from facts or circumstances known before the policy was contracted. Previous litigation.
-Intentional or malicious acts. Undue benefits.
-Fines, sanctions and non-compensatory damages except administrative sanctions as established in the policy.
-Personal injuries and material damage.
-Pollution except defense expenses and damages to the company or its shareholders as established in the policy.
-Professional responsibility.
-Damage resulting from war, terrorism, any illegal, illegitimate or malicious act.
-Radioactivity and nuclear risk.
-Asbestos.
-Claims presented outside the territorial scope established in the policy conditions.
-International sanctions.

Are there restrictions when it comes to coverage?
-The limit economic amounts that appear in the General and/or Particular Conditions.
-The Coverage period for each of the contracted guarantees will adjust to what is established in the Insurance Contract.
-Deductible amount detailed in the policy.
-The restrictions and limitations of each contracted coverage specified in the General and Particular Contracting Conditions.

Where am I covered?
Everyone, excluding the United States and/or Canada

What are my obligations?
– Pay the price of the insurance.
-Communicate to the insurer:
The occurrence of the incident within the deadlines established in the General Conditions.
Detailed information about the incident within the deadlines established in the General Conditions.
The modification of your personal data.
Circumstances that aggravate the risk and are of such a nature that if they had been known to him at the time of receipt of the contract, he would either not have entered into it or would have entered into it under more burdensome conditions.

– Carry out reasonable actions to prevent and reduce the consequences of the accident.
-Provide the documentation and information required by the Insurer to determine and make the payment of the compensation established in the General and Specific Contracting Conditions.

When and how do I have to make payments?
The first payment must be made when contracting the insurance and subsequent payments on the corresponding termination date, with the
frequency and agreed means of payment.

When does coverage start and end?
The contract begins and ends at the times and dates established in the Specific Conditions.
The insurance will be renewed annually automatically, unless you object to the renewal by means of a notification
written address to the Insurer one month in advance of the termination date established in its Specific Conditions, as well
as in the event that the Insurance entity opposes its extension, notifying you at least two months in advance.
prior to the conclusion of the current period. This extension will not be applicable to contracts with a duration of less than one year.
The automatic tacit extension is not applicable if the insurance period is for one year and cannot be extended.

How can I terminate the contract?
The insurance will be renewed annually automatically, unless you object to the renewal by means of a notification
written address to the Insurer one month in advance of the termination date established in its Specific Conditions, as well
as in the event that the Insurance entity opposes its extension, notifying you at least two months in advance.
prior to the conclusion of the current period. This extension will not be applicable to contracts with a duration of less than one year.
The automatic tacit extension is not applicable if the insurance period is for one year and cannot be extended.

We offer you the best features on the market:

SHORT STAY (less than 3 months)
Travel insurance for students doing internships, language courses... of short duration.
This insurance meets the Schengen visa requirements.
Medical expenses to choose €30,000 €250,000 €1,000,000
Repatriation, medical evacuation
Early return
Theft and damage to luggage €3,000
Psychological consultations, physiotherapy….

LONG STAY (more than 3 months)
Health care insurance that allows access to medical care,
surgery, emergencies, specialties, hospitalization and diagnostic means to
through a broad medical team.
Valid to carry out the procedures to obtain a visa at the Consulates
Spaniards abroad and to renew the NIE.

UNLIMITED medical expenses
No Copayments, No Deficiencies.
Includes pre-existing diseases
Repatriation
Hospitalization and medical specialties
Emergencies

What is a J-1 and J-2 visa?

Health Insurance Requirements for the J-1 Visa

The professionals who work at ATCA have been placing insurable risks outside our borders for more than 15 years. If the insurance needs of our clients do not fit in the national insurance sector, we look for alternatives in the rest of the Insurance Companies at the European level, Lloyd's or Companies outside Europe to obtain the appropriate product and coverage.

The internationalization of the economy and the extensive geographical mobility that we witness every day means that at ATCA we have a large group of clients with international expansion who trust us with their insurance needs inside and outside of Spain, always with the maximum Security levels of Insurers.

Advantages

All! The client profile that has all their insurance needs in Spain can count on us to advise them and get them the best insurance from the local Insurance Companies. If, on the other hand, the client has their risks beyond Spain or, even though they have them here, they need us to give them a response with transnational insurers, they can count on us and our service.

Our international expertise is not a detriment to good service for our local clients but rather an added value.

Most frequent modalities and coverage

• Civil liability
• Aviation
• International or Expatriate Health Insurance
• Travel Insurance
• Damage Insurance