Atlas America travel insurance
Ideal for Family visiting the USAAcute onset of pre-existing conditionsH1b/H4 visa holdersStudent visa (F1 visa)
Atlas America insurance review
Atlas America visitors insurance is one of the few visitor insurance plans that waives co-insurance within the PPO network. It is an ideal visitor medical insurance for parents visiting USA and foreign tourists to the United States. This travel insurance is to take the risk out of international travel and includes coverage for Acts of Terrorism, complications of pregnancy and incidental trips home.
Atlas America Insurance - Key Highlights
- Excellent coverage for visitors and people already in US.
- The policy maximum options available are $50,000, $100,000,$250,000, $500,000, $1,000,000 and $2,000,000
- The deductible options available are $0, $100, $250, $500, $1000, $2500 and $5,000
- Acute on set of pre-exisitng condition available up to 80 years
- Covers complications of pregnancy in the first 26 weeks of gestation.
- Emergency medical evacuation coverage up to $1,000,000
Key benefits of Atlas America Insurance For US visitors
Acute onset of a pre-existing condition
Comprehensive plan
Urgent care
Pregnancy
United helath care PPO
Sports Coverage
Customer Reviews
Reviews, Ratings and Experiences
Advantages and Disadvantages of Atlas America insurance
-
Atlas America Insurance Advantages
- It is a comprehensive benefit plan.
- Plan covers acute onset of pre-existing condition up to the age of 80.
- Optional Adventure sports coverage is available.
- Atlas America recently added a $15 copay for urgent care (paid instead of the deductible, unless your deductible is $0, then you do not pay the copay either).
- It is a unique plan in offering coverage for complications of pregnancy in the first 26 weeks of gestation.
- It is ideal for people on OPT and H1 Visa holders who are already in the US for sometime.The issue with the OPT person or someone who has been in the US for some time is that many plans require to be bought within a certain time frame of your arrival into the US. Your last entry into the US is the one that counts in terms of eligibility for a new plan.
-
Atlas America Insurance Disadvantages
- Only $10,000 maximum coverage for 80+ travelers
An Overview of Atlas America Insurance
Eligibility
- Non-US Citizens traveling outside their home country
- 79 years old turing 80 during the coverage period, Atlas America plan does not affect coverage as long plan is purchased at age 79.
Renewability
- Coverage is available from 5 days to 12 months.
- This plan can be renewed online.
Pre-existing condition
- Offers Acute onset of pre-existing coverage under age 80 years.
- $25,000 maximum limit for emergency medical evacuation.
Cancellation
- Before effective date: Full refund of premium is available.
- After effective date: Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid
in full, of the premium will be refunded; and
You cannot have filed any claims to be eligible for a premium refund.
Coinsurance
For coverage inside USA Atlas America insurance pays:
- Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Restrictions
Plan excludes coverage to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
A working example of using Atlas America insurance*
- Insurance coverage is $50k
- Deductible is $100 per certificate period
- Coinsurance : The plan pays 100% (if treatment is received in a hospital within provider network,PPO network)
- Total medical expenses is $25,100
| Expense | Amount billed | Amount Insurance Pays | Amount Insured Owes |
|---|---|---|---|
| Deductible | $100 | $0 | $100 |
| Hospital Room Rent | $9k | $8,900 | $100 (deductible) |
| Surgery | $15k | $15k | $0 |
| X Ray | $1k | $1k | $0 |
| Total | $25,100 | $24,900 | $200 |
Plan details of Atlas Travel insurance
Atlas America travel health insurance - FAQ's
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.
The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.
The Worldtrips Atlas America insurance for visitors cost will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.
You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas America Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.
The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
Yes, Atlas America insurance is a good option for visitors to US who have been here for some time and do not have a current insurance coverage. It is also an excellent plan for international students who are on the OPT status, H1B visa holders and for Spouses of H1B visa holders on the H4 visa status.
Atlas America covers eligible injuries and illness incurred while taking part in many popular vacation sports - skiing, snowboarding, snorkelling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.
Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.
Yes, US Visitors who had initially bought for less than 364 days can renew Atlas America Insurance online up to 364 days.
Atlas America is a best travel insurance pre existing conditions Insurance that offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It excludes coverage for chronic and congenital conditions. For visitors aged up to 70 years, it offers coverage up to overall maximum limit. Visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100,000, whichever is lower.
Visitors can review this article on how to use Atlas America visitor medical insurance in case of emergency in the United States.
The Atlas America plan covers 100% of the expenses outside PPO. Yes, it provides worldwide coverage including and excluding USA.
The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
If you are at least 14 days old and traveling internationally, you are eligible for coverage. You must purchase coverage for at least 5 days, though you do not have to travel all 5 days.If you are under age 65, you may select an overall maximum limit between $50,000 and $2,000,000. Applicants age 65 to 79 may choose an overall maximum limit of $50,000 or $100,000. Atlas Travel insurance offers a $10,000 policy maximum to applicants over age 80.
Atlas Travel does not provide any reimbursement if you must cancel your trip prior to departure. However, it does include a Trip Interruption benefit if you must end your trip early due to a covered reason.Note that Atlas Travel medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. It also provides more medical benefits with higher coverage limits than most travel insurance plans.
Atlas America insurance offers comprehensive coverage for visitors to USA. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “First Health care network or United health care.”. When Traveling Outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Atlas America insurance pays 100% up to maximum limit. For detailed working example of how it works, you can review Atlas America insurance working example.
As a visitor to the United States, you will need to have a visa issued in your passport to be allowed in to country. You can find out whether or not you need a US visa by reviewing the visa waiver program list of countries by the US government. The type of visa that you need will be based on the reason of your travel to the US. Atlas America insurance offered by WorldTrips works ideally for visitors to the US applying for any of these visas.
Some of the common US visas are:
NEED HELP?
Contact our customer service team, we are here to help you!
Atlas Travel Insurance Exclusions
Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.
- Charges resulting directly or indirectly from any pre-existing condition, except as covered under the Acute Onset of Pre-Existing Condition benefit
- Routine medical examinations
- Routine pre-natal care, pregnancy, childbirth, and post-natal care
- Mental health disorders
- Medical expenses for injury or illness resulting from participation in specifically-excluded extreme sports see Description of Coverage for full list of excluded sports).
Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
- The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under eighty (80) years of age;
- You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
Compare Worldtrips Atlas Travel Insurance Plans!
Atlas America pre-existing conditions insurance
"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).
Acute onset of pre-existing condition*:Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
- The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under eighty (80) years of age;
- You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
Atlas America insurance Insurance cost per month for Seniors
Click here to read more »Atlas America - PPO network
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here
Find Provider Network
WorldTrips travel insurance related links
Know more »
Know more »
Know more »
Know more »
Know more »
Resourceful links of Atlas travel insurance
Atlas travel Insurance FAQ
Frequently asked questions and answer about travel insurance.
Read more »Atlas travel insurance insurance forum
Customer queries about WorldTrips Atlas travel insurance plan.
Read more »