Total RIPOFF. Here is why. Our own health insurance has a $4000 deductible. Therefore, any small incident our son might have while in a Student Abroad program would not be covered. I specifically told the Atlas representative that this was the reason we sought out additional coverage. Sure enough, our son twisted his ankle, while in Florence and required about $75.00 worth of medical care. After going through "Claims Hoop" we were then told that the claim was denied because the policy was secondary coverage, not primary coverage... read full review »