Atlas America Insurance Reviews
Atlas America Medical Insurance Links
Atlas America Insurance - Key Highlights
- This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
- This plan is available to both Non-US citizens and US citizens traveling outside their home country.
- You will be eligible for coverage of acute onset of pre-existing conditions if you are younger than 80 and all the conditions mentioned in the brochure are met. This includes a $25k lifetime maximum for emergency medical evacuation.
- 79 years old turing 80 during the coverage period, Atlas America plan does not affect coverage as long plan is purchased at age 79.
- Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
- Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
- Trip Interruption coverage available for upto $10k not subject to deductible
- Travel Delay coverage is available for upto $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
- Lost checked luggage up to $1k - not subject to deductible.
- Political Evacuation available up to $100k lifetime maximum not subject to deductible.
- Bedside visit up to $1500 not subject to deductible.
- Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10k per member, from age 18 to 69 - $50k per member, age 70 to 74 - $25k and for age 75+ $12,500.
- Emergency Medical Evacuation is covered for $1M lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)
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Acute onset of a pre-existing condition
** An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning, either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage.
A pre-existing condition is any condition:- for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage.
- which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage.
- that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you.
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Advantages and Disadvantages of Atlas America insurance
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Atlas America Insurance Advantages
- Excellent coverage for visitors and people already in US.
- Atlas America travel insurance offered by WorldTrips will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
- Comprehensive coverage plan with multiple PPO network providers (greater choice of hospitals and doctors).
- Coverage for acute onset of Pre-Existing conditions** up to overall maximum limit and up to $25k for emergency medical evacuation for customers under the age of 70 years.
- $50k and $100k overall maximum coverage is available for the travelers in the age group of 65-79 yrs.
- The plan pays 100% (No co-insurance) of medical expenses if the services are rendered within the PPO network inside the USA.
- Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
- One time Deductible per certificate period.
- Cancellation and refund of full premium before policy start date.
- This Plan also covers Emergency Reunion, Return of Minor Children, Natural Disaster and Political Evacuation.
- Atlas America is designed for people outside their home country whose travel includes the US
- Meets requirements for travelers who are on OPT and H4 status.
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Atlas America Insurance Disadvantages
- Can be renewed only up to 364 days. After one year customer has to buy a new plan. With a new plan, the pre-existing lookback period resets
- Acute onset of Pre-existing coverage** not available beyond 70 years.
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!
Key benefits of Atlas America plan Insurance
Acute onset of a pre-existing condition
h1b/ h4 visa holders
Comprehensive plan
Medical Evacuation coverage
PPO network
Excellent plan for international students who are on the OPT status
Important insurance terms to understand Atlas America reviews?
Know these important aspects of international visitor insurance for USA in Atlas America reviews:
This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum. Age 80 or older - $10k; Age 65 to 79 - $50k, $100k.
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:
Best comprehensive travel insurance for USA
Please can you suggest a travel insurance for USA?
Regards,
Liberty
Thank you for contacting us at American Visitor Insurance for your insurance needs!.
The Atlas America/Atlas Travel plan is a good comprehensive plan and very popular with tourists to the US because there is no coinsurance or cost after the deductible if you go within the PPO network of the company. This plan covers "acute onset of pre-existing condition" up to the age of 80.
There is an additional coverage available for adventure sports as well on this plan. They 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.
This plan is good 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.
However, this plan does not restrict the purchase for this reason. This plan cannot be purchased from Canada, Australia and some US states (MD, WA, NY).
Atlas America
We wish you and yours safe and happy travels!
Thanks,
Customer support,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910
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 - 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
Atlas Travel 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.
Atlas America insurance Insurance cost per month for Seniors
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