I would like to purchase Atlas travel Insurance, I will travel on the 5th of November to the USA (Maryland) and i'm going to live there with my fiance (K1 visa). I have tried to apply but there are a few things I don't understand: when I leave over here I don't have an adress anymore in my home country (The Netherlands) can I write down my mom's adress?
Don't I have to mention somewhere that I have a K1 visa? And I have read something about eligibility.." The Atlas Series is not available to individuals who are physically located in the state of New York, Maryland, or Washington or in the country of Canada or Australia at time of purchase".
Can you please help me out? The Insurance plan I would like to buy has a coverage for $1,000,000 and a deductible of $250, I am 38 years old.
If Atlas is not an option, which Patriot Insurance can you recommend?
Thank you in advance.
Congratulations on your upcoming marriage! I would be happy to answer your questions. For the purposes of the application, since you are applying now from your home country before leaving it, I would use your mother's address in the Netherlands (presumably anything mailed to her she can forward to you). However, if you choose “online fulfillment” all documents will be emailed to you and not put in regular mail.
As long as you are not in the state of MD when you make your purchase, there is no problem with the Atlas plan. The Patriot America plan
would also be fine for you. Many companies have issues with the state of MD, so this is not going to be different regardless of which company you go with. However, the policy will be good wherever you want to travel in the US or out (with the exception of your home country). Once you have a green card in hand, then you will no longer be eligible for these policies. We do sell some that you could purchase, but the Atlas or Patriot will fill in the gap for you without a problem (I assume you will go onto your spouse's plan once married).
As to your visa status, no, you do not have to disclose this information. It is possible that if you file a claim, they will ask to see your passport information to verify your status and when you entered the US, but this is usually not an issue.
Here are links for the Atlas and Patriot plans below:
If you'd like to look over details of the Atlas series, use this link:
Atlas America Insurance
Patriot America Insurance
+1 (877) 340 7910Reviewed & Updated : February 2020