Traveling outside your home country is very common now in today’s global village. People travel overseas as many have their children and families living in different countries including the US whom they visit, people also travel for their education and skill development, career prospects and work, last but not the least, people travel on vacations to explore new lands. Travel Insurance or travel health Insurance or Visitor Health Insurance is very important along with other important items one might consider. When it comes to travel insurance the health insurance that you might have in your home country is not of any use while outside your home country.
For international travel, especially while traveling to the United States there are many popular travel insurance plans made available by private insurance companies. You need to consider some vital factors before buying visitor insurance. Some among them are 2 kinds of travel insurance plans namely Fixed and Comprehensive visitor insurance. Let's focus on a comprehensive plan that is very popular and suitable for many visitors visiting the US. Atlas America travel insurance is a comprehensive visitor health insurance plan from the company Tokiomarine HCC. This plan is an ideal plan for parents visiting US or visitors visiting US. This plan offers policy maximum coverage for acute onset of pre-existing conditions visitor insurance for people below the age of 80. This plan is the only visitor plan that offers coverage for pregnancy complications for a pregnant woman visiting US for a short term. This pregnancy complication coverage is available only up to 26 weeks of pregnancy after which pregnancy is treated as pre-existing condition. This plan has another major bonus that it does not charge the premium for a child who is under 10 years of age when the child is accompanied by an adult. This provision is available for only one child accompanied with one adult. Apart from these this plan does not have any arrival time restriction which makes it perfect for people who are living in US for a while on their work Visa like H1B or on OPT status while they are without any insurance temporarily during changing jobs or visiting US on an official purpose occasionally. This is how Atlas America insurance plan works, it has a 20% co insurance applicable after the deductible while paying the expenses. This co insurance quotient is applicable only to the first $5,000 of the expense. If you happen to visit a provider within their PPO network which is First Health Network, then this co insurance is waived and 100% of the expense after the deductible is paid by the insurance company. All these features of Atlas America travel insurance plan make it very attractive.