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Atlas America Insurance for USA
Review the Atlas America Insurance, a comprehensive visitor insurance plan for foreign nationals visiting the USA, popular coverage for visitors to the USA, relatives or parents visiting America, or tourist traveling outside home country.
Review and buy the Atlas America Insurance plan for non-US citizen visiting USA, best comprehensive plan for parents, friends, relatives, any individual and/or family visiting America and traveling to the U.S. outside home country. Atlas travel medical insurance plan is available from a minimum of 5 days up to a maximum of one year (364 days). Atlas America is a short-term international travel health insurance with extendable and renewable short-term coverage.
Atlas America Insurance is a popular and best visitor insurance plan for visitors to USA, and is designed to take the risk out of international travel and includes coverage for emergency medical evacuation, natural disasters, acts of terrorism, complications of pregnancy, incidental trips home, and offers acute-onset of pre-existing condition visitor insurance coverage for ages below 80 years.
Atlas America Insurance is administered worldwide by WorldTrips (formerly known as Tokio Marine HCC – MIS Group), and the policy is underwritten by Lloyd’s, the oldest insurance market in the world.
COVID-19 / SARS-CoV-2 / Coronavirus For Atlas America Insurance coverage purchased on or after July 15th 2020, COVID-19 is included and will be treated as any other eligible illness. The epidemic/pandemic exclusion has been updated, including an exception for COVID-19, allowing for COVID-19 to be covered as any other eligible sickness. Please refer to the description of coverage sample document for this updated wording.
Review the Atlas America Insurance Brochure for the summary of benefits table, or the Atlas America Insurance Description of Coverage document for plan details and more information. Renew Atlas America Insurance or extend an existing policy online prior to expiration date, Atlas America Insurance is extendable and renewable up to 12 months (364 days) of continuous coverage, after which you can Buy Atlas America Insurance to re-purchase a new policy.
Atlas America Insurance Review
Atlas America Insurance is designed for relatives visiting America or parents visiting USA, and tourist traveling to America for sightseeing, and Atlas International Insurance is for travelers outside America, or anyone traveling abroad to any foreign country.
- Eligibility: Visitors to USA or international travelers outside their home country (age more than 14 days).
- Policy Maximum: Plan offers maximum coverage choices from US$50,000 to US$2,000,000 for the life of the plan. For travelers ages 65 to 79 years, the maximum coverage is limited to $50,000 or $100,000, and for ages 80 years and older it is reduced to only $10,000.
- Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000, US$2500 or US$5000 deductible per certificate/renewal period.
- Coinsurance Amount: Only in America, for treatment received outside the PPO network, 20% coinsurance applies for the first $5000 in eligible expenses beyond the chosen plan deducible. For eligible U.S. claims incurred inside the PPO network, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
- Policy Duration: Minimum certificate period of 5 days to maximum coverage/renewal period of 1 year (364 days).
- Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
- Pre-Existing Conditions: Only acute onset of pre-existing condition coverage is available with this plan for ages below 80 years. For age below 65 years, up to selected medical maximum for the coverage period, and up to $25K per coverage period for Emergency Medical Evacuation. For ages 65-79 years, up to $100K medical maximum each period of coverage, and for ages above 80 years, this benefit is NOT available. Please refer to the “Description of Coverage” document for plan exclusions which are not covered.
- Underwriter: Policy is underwritten by Lloyd’s, the oldest and largest insurance market in the world.
- Administrator: Plan is administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group).
Atlas America Insurance Details
Atlas America Insurance Plan provides visitor medical insurance for non-U.S. citizens visiting USA who is at least 14 days old and below age 100 years. Visitor coverage is available for individuals and families who purchase the visitor insurance plan even after arrival to the United States. Benefits under the Atlas America comprehensive plan include sickness & injury medical insurance for relatives or parents visiting USA, tourists on vacations in America or Canada, international students studying abroad, business executives on overseas corporate travel, and missionaries on mission trips. This visitor insurance plan offers continuous coverage protection from a minimum 5 days to maximum duration of 364 days (1 year), and coverage is renewable. Review plan benefit information, policy options, coverage details and quote, buy and purchase America visitor insurance policy instantly online.
The Atlas America Visitor Insurance plan is suitable for relatives or parents visiting USA, business travel by executives and professionals visiting trade shows in America or clients outside home country, au-pairs or foreign nannies, international students and scholars on J1 visa and their dependents, tourists traveling to the U.S. or any foreign destination, etc. For USA visitors or international travelers, Atlas America visitor travel insurance provides comprehensive coverage for sickness/injury and a whole lot more, review the details of the Atlas America Insurance plan below:
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Atlas America – Plan name is Atlas Travel, Atlas America if visiting the U.S., or Atlas International if traveling outside America. |
| Quote & Buy Online | Buy Atlas America Insurance, receive proof of coverage and ID cards instantly. |
| Review Plan Brochure | Atlas America Insurance Brochure |
| Coverage Type Selection | Atlas Travel Insurance product selection: Worldwide, Including USA: Atlas America Insurance is for non-U.S. citizens who are visitors to USA or traveling outside home country. Worldwide, Excluding USA: Atlas International Insurance is for U.S. Citizens traveling abroad or foreign nationals needing cross-border medical coverage outside America. |
| Renew Coverage Online | Renew Atlas Insurance Online, extend coverage dates from 5 days to a total duration of 364 days Keeps policy active without letting the policy lapse/expire. Note: A $5 renewal fee applies each time you renew. |
| Plan Eligibility | Visiting USA or traveling outside of your Home Country. Age at least 14 days old are eligible to purchase the Atlas Travel Plan. Note: If you are a non-US citizen, your Home Country is the country where you principally reside and receive regular mail. If you are a US citizen, your Home Country is always the United States, regardless of the location of your Principal Residence. |
| Coverage Period or Plan Duration | Coverage period minimum length of 5 days to maximum plan duration of 364 days (1 year). |
| Benefit Period | 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country. Note: While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, plan will pay eligible medical expenses for up to 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect. |
| Maximum Medical Benefit | Age 14 days to 64 years: Maximum coverage choices include: $50,000, $100,000, $200,000, $500,000,$1,000,000 or $2,000,000 Age 65 years to 79 years: Maximum coverage choices include: $50,000 or $100,000 Age 80 years or older: Maximum coverage limited: $10,000 Note: This overall maximum limit amount applies per person, per certificate period, and also per injury/illness, as specified by age. This maximum amount excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, Personal Liability, and Crisis Response, which have own separate limits. |
| Deductible | $0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period. Note: The deductible is one time for entire period of purchase and any renewal thereof, and is per person on the policy. Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage. |
| Co-insurance | For treatment received within USA or Canada: Plan pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit. For treatment received outside the U.S. or Canada: For the certificate period, plan pay 100% of eligible expenses after the deductible up to the overall maximum limit. Note: Search the PPO network for preferred providers and save on coinsurance. |
| Preferred Provider PPO Network | Atlas Insurance Preferred Provider Organization (PPO) network – Atlas Insurance Provider Network |
| Acute Onset of a Pre-existing Condition | For Age below 70 years: Up to Selected Medical Maximum per coverage period for treatment of Acute Onset of Pre-existing Condition, and Up to $25K per coverage period for Emergency Medical Evacuation For Ages 70-79 years: Up to $100K Medical Maximum per coverage period for treatment of Acute Onset of Pre-existing Condition For Age above 80 years: This benefit is not available if insured is 80 years or older Note: An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage benefit. Only “Acute Onset of Pre-existing conditions” is covered for ages below 80 years for non-U.S. Citizens visiting USA, up to the specified limit for an acute onset of a pre-existing condition if the condition occurs in the United States during your coverage period, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence. |
| Complications of Pregnancy Coverage | Plan offers coverage for complications of pregnancy only. This benefit applies during the first 26 weeks of gestation. Note: Excludes coverage for normal pregnancy, maternity, child-birth and new born care. |
| Inpatient Hospital Expenses | Hospital Room & Boarding charges, including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous charges Charges for Intensive Care Unit (ICU) & Surgical Treatment Pre-admission test before hospital admission Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Outpatient Medical Expenses | Charges for outpatient surgical treatment, use of outpatient surgical facility Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals. Hospital Emergency Room, Urgent Care, Diagnostic X-rays, CAT scan, PET scan or MRI, Laboratory Services, Prescription Drugs Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Sports Coverage | Includes coverage at no additional cost for eligible injuries and illnesses that could occur while participating in many popular vacation sports – skiing, snowboarding,snorkeling, water skiing, recreational soccer, and others. Certain extreme sports that are hazardous are excluded from coverage. |
| Other Treatment & Services | Emergency Dental Treatment for Injury to Sound, Natural Teeth Mental & Nervous Disorder, & Substance Abuse Physiotherapy and Chiropractic Care Orthopedic treatment Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected. |
| Coverage Benefit (Eligible expenses subject to chosen deductible or coinsurance, if any) | |
| Maximum Coverage per Injury or Illness | For age below 65 years: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000. For ages 65 to 79 years: $50,000 or $100,000. For age above 80 years: $10,000. Note: Limit based on age of member and per person in the policy |
| Maximum Coverage per Certificate Period | For below 65 years: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000. For 65 to 79 years: $50,000 or $100,000. For above 80 years: $10,000. Note: Limit based on age of member and per person in the policy Excludes Emergency Medical Evacuation, Accidental Death & Dismemberment, Common Carrier Accidental Death, Personal Liability and Crisis Response. |
| Hospital Room and Board | Average semi-private room rate, including nursing services |
| Local Ambulance | Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient |
| Emergency Room Co-Payment | For claims incurred inside the U.S. or Canada, $200 co-payment for each use of emergency room for illness, unless member is admitted to the hospital. No co-payment for emergency room treatment of an injury. |
| Urgent Care Co-Payment | For claims incurred inside the U.S. or Canada, $15 co-payment for each use of Urgent Care or UrgiCare or Walk-in Clinics (without an appointment). This co-payment does not apply to our $0 deductible option. For claims incurred outside the U.S., no co-payment applies. |
| Intensive Care Unit | Usual, reasonable and customary charges |
| Physical Therapy and Chiropractic Care | $50 maximum per day. Must be ordered in advance by a physician. Coinsurance will be waived for Outpatient Physical Therapy. |
| Terrorism | $50,000 maximum lifetime limit, eligible medical expenses only |
| Eligible Medical Expenses | All other eligible medical charges are paid on the Usual, reasonable and customary (URC) basis |
| Coverage Benefit (Eligible expenses NOT subject to chosen deductible or coinsurance, if any) | |
| Accidental Death & Dismemberment (AD&D) | Members up to age 18 years: Maximum $5,000; Death $5,000; Loss of both limbs $5,000; Loss of one limb $2,500. Members age 18 through 69 years: Maximum $25,000; Death $25,000; Loss of both limbs $25,000; Loss of one limb $12,500. Optional Accidental Death & Dismemberment buy-up of $25,000 Members age 70 through 74 years: Maximum $12,500; Death $12,500; Loss of both limbs $12,500; Loss of one limb $6,250. Members age 75 and older: Maximum $6,250; Death $6,250; Loss of both limbs $6,250; Loss of one limb $3,125. Note: $250,000 maximum benefit per one family or group Not subject to deductible or coinsurance. Excludes loss due to common carrier accident. |
| Common Carrier Accidental Death Benefit | Up to age 18 years: $10,000 Age 18 to 69 years: $50,000 Age 70 to 74 years: $25,000 Age 75 and older: $12,500 Note: Amounts above are per insured member. Not subject to deductible or coinsurance. A $250,000 maximum benefit limit for a single family or group applies. |
| Crisis Response | Ransom, Personal Belongings, and Crisis Response Fees and Expenses: $10,000 maximum per period of purchase and any renewal thereof. Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage: $90,000 per period of purchase and any renewal thereof, with $10,000 maximum for Natural Disaster Evacuation. |
| Emergency Medical Evacuation | Lifetime maximum benefit amount of $1,000,000. Note: This benefit amount is in addition to the medical maximum. For acute onset of pre-existing condition, lower amount as specified. |
| Return of Minor Children | Up to $50,000 |
| Pet Return | Up to $1,000, to return a traveling pet home, if member is hospitalized. |
| Return or Repatriation of Mortal Remains | Up to overall maximum limit |
| Local Burial or Cremation | Up to $5,000 lifetime maximum |
| Emergency Reunion | Up to $100,000, subject to a maximum of 15 days. |
| Political Evacuation | $100,000 lifetime maximum |
| Trip Interruption | $10,000 |
| Border Entry Protection | Up to $500, if traveling on a valid B-2 visa and denied entrance at the U.S. border |
| Lost Checked Luggage or Passport | Lost Luggage: Up to $1000 Lost Passport: Up to $100 |
| Travel Delay | Maximum $100/day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum limit of 2 days. |
| Emergency Dental | Sudden Acute Onset of Dental Pain is limited to $300 |
| Emergency Eye Exam | A covered loss Up to $150 for Eye Exam. $50 deductible per occurrence (plan deductible is waived). |
| Natural Disaster | Replacement Accommodations provider with a maximum $250/day for 5 days. |
| Hospital Indemnity | $100 per day of inpatient hospitalization charges |
| Personal Liability | $25,000 lifetime maximum Optional Personal Liability buy-up of $75,000. |
| Bedside Visit | $1,500 |
| Quarantine | $50 per day /max 10 days of coverage. Must have a minimum of 30 days of coverage. Proof of quarantine mandated by a physician or governmental authority required. Quarantine must be due to you testing positive for COVID-19/SARS-CoV2, or you are symptomatic and waiting on diagnostic test results. |
| Atlas America Insurance – Miscellaneous Information | |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan brochure for details |
| Pre-certification Requirements | See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Download and print the Claims Form available in the ClientZone for claims reimbursement. Submit the completed claim form and file along with the itemized medical bill/s to the plan administrator. All claims must be submitted within 60 days from the last day of the certificate period. Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determine it is an eligible expense. Direct cashless billing is also available in America when the healthcare service provider is directly paid for the services. |
| Cancellation & Refund | If cancellation request is received before coverage start date, full premium cost paid is refunded. After coverage start date, only a partial refund of unused portion of your plan cost is given per below rules: Note: A written (email) request is required. After the certificate effective date, following cancellation rules apply: 1. A $25 cancellation fee will apply for administrative costs incurred by us; and 2. Only the unused portion of the plan cost will be refunded; and 3. You cannot have filed any claims to be eligible for premium refund. |
| Worldwide Assistance | Access quality service from Atlas America plan administrator 24/7 and 365 days of the year. |
| Plan Administrator | WorldTrips (formerly Tokio Marine HCC – MIS Group) handles all claims and policy administration services. WorldTrips is a specialty insurance company part of Tokio Marine HCC Group. |
| Ratings of Insurance Company | Tokio Marine HCC holds has a financial strength rating of AA (Very Strong) by Standard & Poor’s and Fitch Ratings, and A+ (Superior) by A.M. Best Company. |
| Insurance Underwriter | Atlas Travel Insurance plans are underwritten by Lloyd’s. Lloyd’s of London is the largest and oldest insurance market in the world. |
| Disclaimer | The information provided on this page is only a summary, be sure to read plan brochure for complete details. The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan. All coverages and plan costs are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted. Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period. This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA). To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator. |