Quotes for Atlas Essential Travel Insurance, Free Atlas travel insurance quotes

Atlas Essential Insurance
Insurance provider
Tokio Marine HCC
Policy maximum?
Age 80+:$10,000.
Age 70 to 79:$50,000, $100,000 or $150,000.
All others:$50,000, $100,000, $250,000, $500,000, or $1,000,000
Atlas Essential insurance underwriter
Underwritten by Lloyds, London.
Atlas Essential insurance rating
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-
Deductible options?
$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.

Atlas Essential Links

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Atlas Essential travel Insurance for USA

Atlas Essential is for budget-conscious travelers, an Atlas Essential travel medical insurance policy provides coverage for the basic necessities as you travel outside of your home country.
Atlas Essential insurance has two plans:
  • Atlas Essential America insurance is ideal for visiting the US.
  • Atlas Essential International Insurance is ideal for traveling outside the US.

Tokio Marine HCC(HCCMIS) Atlas Essential travel insurance summary

Atlas Essential insurance coinsurance?
  • Within the PPO: We will pay 75% of eligible expenses after the deductible to the overall maximum limit.
  • Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

Atlas Essential insurance restrictions
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.
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Atlas Essential travel insurance plan benefits

Benefits Coverage
Hospital room and board Average semi-private room rate, including nursing services.
Intensive care unit Up to the overall maximum limit.
Local Ambulance Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient
Emergency Room Co-payment – claims incurred in U.S. You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.
Urgent Care Center – claims incurred in U.S.
For each visit, you shall be responsible for a $15 co-payment, after which coinsurance will apply.
  • co-payment waived for members with a $0 deductible
  • not subject to deductible
Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only.
Emergency Medical Evacuation Up to $500,000 lifetime maximum, not subject to deductible or coinsurance
Repatriation of Remains Up to $25,000 lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limit).
Local Burial or Cremation Up to $5,000 lifetime maximum, not subject to deductible or coinsurance.

Atlas Essential travel insurance coverage for Coronavirus

On March 11, 2020, the U.S. Department of State issued a Global Level 3 Travel Advisory urging U.S. residents to reconsider traveling abroad to any country.
If you are an Atlas Essential policyholder, this activates your political evacuation benefit as long as your location has not been under a level 3 or higher advisory in the past 10 days, or prior to your arrival.
All travel health insurance plans in the Atlas Essential contain the following exclusion:

Charges resulting from a disease outbreak in a country or location where the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 travel warning are excluded if:

  1. The warning has been in effect within the 6 months immediately prior to your date of arrival, or
  2. You fail to depart the country or location within 10 days following the date the warning is issued
If the CDC Issues a Level 3 Travel Warning for the Location Where You Are Currently Traveling:

Coronavirus-related expenses will be covered for up to 10 days following the date the level 3 warning is issued, given that your expenses do not arise directly or indirectly from another policy exclusion.

Once 10 Days Have Passed from the Date the CDC Issued the Level 3 Travel Warning for Your Current Location:

You will no longer be covered for coronavirus-related expenses. You will still be covered for all other eligible expenses.

What This Exclusion Means for Atlas Essential Insurance Policyholders

The CDC issued a “Level 3 – Avoid Nonessential Travel” warning for Wuhan, China on January 23, 2020.
The CDC expanded this "Level 3 - Avoid Nonessential Travel" warning to apply to all of China on January 27, 2020.
  • If you are currently traveling in China and you do not depart the warned-against location within 10 days of the date the warning was issued: Your Atlas or StudentSecure plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
  • If you plan to travel to China against CDC advice while a level 3 travel warning is still in effect: Your Atlas Essential plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China.
  • If you plan to travel to China after the level 3 travel warning is cancelled or downgraded: Your Atlas Essential plan will NOT cover you for any expenses resulting from 2019-nCoV contracted while in China until 6 months after the date the level 3 travel warning was cancelled or downgraded.
The U.S. Department of State issued a “Level 3: Reconsider Travel” advisory for China on January 27, 2020. This advisory was upgraded to a “Level 4: Do Not Travel” advisory for China on January 30, 2020.

Note that you are still covered for eligible expenses incurred in China while the travel warning is in effect if the expenses do not result from a disease outbreak, terrorist act, political unrest, or other policy exclusions.

Atlas Essential Insurance – Ideal for US visas ?

All international travelers coming to the United States will need an US visa issued unless you are a national of a country that is part of the US visa waiver program. The countries which are part of the US Visa waiver program are listed here. The specific visa that you need is contingent on the reason for travel to the US. Atlas Essential Insurance is ideal for travelers applying for the following visas to the United States.

Some of the Common US visas are :
  1. Visitor visa or Tourist Visa
  2. International Student visa (F1 visa)
  3. J visa (exchange scholar visa)
  4. H1B work visa
  5. Fiancee visa
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Atlas Essential insurance - Provider network and how to find hospital or doctor?

Tokio Marine HCC maintains a wide network of health care providers. In US there are 2 options: First Health care network and United health care.

You need to check your insurance card to find any one of the below 2 logos:
First Health Care Provider Network    United Healthcare Provider Network
  • If you are traveling within the U.S. and have First Health logo on your ID card then click here
  • If you are traveling within the U.S. and have United Healthcare logo on your ID card then click here

Outside US: Equian International Provider Network
Equian International Provider Network
If you are traveling outside the U.S. and have the Equian logo on your ID card, then click here
Find Provider Network

Tokio Marine HCCMIS resourceful travel insurance links

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