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Atlas America vs Atlas America premium travel insurance by TokioMarine HCC (formerly HCCMIS)

Covid-19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 illness. We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage. Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Travel health Insurance is essential for international travel and it is important to choose the most appropriate plan among the many different options available. Normally international travel insurance are classified as Comprehensive travel insurance or Fixed benefits (Limited) visitor insurance plans. Comprehensive plans as the name suggests provide extensive benefits with greater coverage when compared to fixed benefit plans, they are however more expensive than the latter. With the changing lifestyles and attitudes of people while traveling outside one’s home country, it is common to find many older travellers also who travel internationally. Choosing a travel health insurance plan can be a daunting task especially for older travellers, since the coverage available reduces for people above the age of 70 years. Keeping this age in mind, and considering some of the benefits like acute onset of pre-existing condition coverage and higher policy maximum options, there are a few comprehensive plans that work well for older travelers by hcc atlas travel insurance.

Atlas Travel insurance offered by Tokiomarine HCC has been quite popular among the visitors to the US. This plan is now available for Non US citizens and US citizens traveling outside their home country. This plan has extended the coverage for acute onset of pre-existing conditions above age 70 up to age 80. A higher policy maximum option has also been made available for people up to age 80.

Tokiomarine HCC have another version of this comprehensive plan called Atlas Premium travel insurance. This plan has all the new updated benefits of Atlas travel plan mentioned above along with the upgrade in benefits for political evacuation, trip interruption, trip delay, emergency reunion...which is better than the regular Atlas Travel insurance plan. This plan has increased the coverage for all of the benefits mentioned here along with extending the coverage for acute onset of pre-existing condition up to age 80. For people above 70 up to 79, the policy maximums available are $50,000, $100,000, $250,000.
You can Compare Atlas Travel insurance and the Atlas Premium travel insuranceplans to differentiate and choose the right plan for our needs! Atlas Premium is more expensive when compared to the Atlas Travel plan as the coverage is also higher.

Tokio Marine HCCMIS Covid travel insurance:

Atlas travel insurance with coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Note that Atlas plans purchased on or after July 15, 2020 do NOT exclude COVID-19 medical charges.

Atlas America Links

Brochures
Atlas Travel Insurance Brochure Links
View Atlas travel insurance brochures in different languages:

English

Brazilian

Chinese

Japanese

Portuguese

Spanish
Buy online
Underwriter
Lloyds, London.
Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Coinsurance
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Atlas Premium Links

Brochures
Atlas Travel Insurance Brochure Links
View Atlas travel insurance brochures in different languages:

English

Brazilian

Chinese

Japanese

Portuguese

Spanish
Buy online
Underwriter
Lloyds, London.
Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Coinsurance
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.

What are the factors to consider while comparing Atlas America vs Atlas America premium insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America travel insurance and Atlas Premium America insurance:

Compare visitor medical insurance maximum coverage between Atlas America Insurance and Atlas Premium America Insurance:
This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million and Atlas Premium Insurance offers coverage up to 2 million. Atlas Premium America offers $20,000 maximum for older travelers above 80 years while Atlas America Insurance offers $10,000 maximum for older travelers above 80 years.
Compare visitors health insurance deductible options between Atlas America Insurance and Atlas Premium Insurance:
This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Atlas America insurance and Atlas Premium Insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance and Atlas Premium Insurance Insurance have a range of deductible option from $0 up to $5,000.
Compare travel medical insurance provider network for Atlas America Insurance and Atlas Premium Insurance:
It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
Compare travel insurance coinsurance options for Atlas America Insurance and Atlas Premium Insurance:
This is a percentage of the bill that the travel has to pay. Atlas America and Atlas Premium plans pays 100% of eligible expenses after the deductible up to the overall maximum limit.
Contrast the travel health Insurance renewability options for Atlas America Insurance and Atlas Premium Insurance:
Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas America Insurance can be renewed for 364 days while Atlas Premium Insurance also can be renewed up to a total of 364 days.
Compare eligibility options of US visitors travel insurance for Atlas America Insurance and Atlas Premium Insurance:
Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas America Insurance is quite popular among h1b/ h4 visa holders and students on opt status as it has not limitation on buying insurance if they are already in the US for quite some time.
Compare visitors insurance Pre-existing conditions coverage for Atlas America Insurance and Atlas Premium Insurance:
Atlas America Insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Atlas Premium Insurance also offers coverage for acute onset of pre-existing conditions up to the age of 79 years.

Atlas America and Atlas America premium travel insurance - FAQ's

Does the Atlas America plan cover 100% outside PPO. Does it cover outside the United States and pay100% inside and outside PPO?

The Atlas America plan covers 100% of the expenses outside PPO. Yes, it provides worldwide coverage including and excluding USA.

What are the US state and country restrictions to buy Atlas America Visitors Insurance plan?

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.

Atlas Premium Insurance – Does it satisfy US visa requirements?

For anyone coming to the United States, you will need to have a visa issued in your passport to be allowed in to country unless you are a citizen of a country which is part of the US visa waiver program. The list of countries under the Visa waiver program are provided here. The category of visa that you need to apply for is dependent on the reason of your visit to the US. Atlas Premium insurance is very popular with visitors applying for any of these visas to the United States.

Some of the Common US visas are :

Does Atlas Premium Insurance cover covid illness?

TokioMarine HCCMIS Covid19 travel insurance by Atlas Premium travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.