• Offers Coverage up to a maximum $2,000,000.
  • Ideal for adventurers, vacationers travelling to USA, business professionals, missionaries and students studying in USA.
  • Offers Coverage for pre-existing conditions for travelers up to the age of 79 years.

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Atlas America links
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A working example of using Atlas America travel insurance (Offered by Tokio Marine HCC) *

Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance : The plan pays 100%
  • Total medical expenses is $25,000
The Atlas America Insurance plan covers set amount up to a maximum of $50,000. The insured must pay the deductible ($100). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.

Atlas America Insurance
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $9,000 $0
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $25,000 $0
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Review Atlas America Insurance Advantages and disadvantages

Atlas America Insurance Advantages

  • Comprehensive coverage plan with multiple PPO network providers (greater choice of hospitals and doctors).
  • Coverage for acute onset of Pre-Existing conditions up to $50,000 and $100,000 for medical expenses (based on the choosen plan maximum) and up to $25,000 for emergency medical evacuation for customers under the age of 70 years.
  • For the age group of 70-79 yrs $50,000 coverage available.
  • 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 automatically covers for all adevnture sports so long as it is not undertaken for professional gain, money, or prize.
  • A good option for people visiting the US who have been here for some time and do not have a current insurance coverage.
  • An ideal plan for travelers who are on OPT and H4 status.

Atlas America Insurance Disadvantages

  • Can be renewed only up to one year. After one year customer has to buy a new plan.
  • Pre-existing coverage not available beyond 70 years.
  • Only $50,000 coverage for travelers between the ages of 71-79.
  • AD & D benefit is deleted during participation in sports activities.
  • Hospital precertification penalty- 50% of eligible medical expenses.

What are some insurance terms important in Atlas America Insurance reviews?

Review Atlas America Insurance to know these important aspects of international visitor insurance for USA:
  • Plan Maximum coverage of Atlas America travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum. Age 80 or older - $10,000; Age 70 to 79 - $50,000, $100,000, or $250,000;
  • What is a deductible in Atlas America visitors 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 offer a set of deductible options for the travelers to choose from. Atlas America insurance has a range of deductible option from $0 up to $5,000.
  • What is a provider network of Atlas America Medical 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.
  • What is coinsurance in Atlas America visitor insurance?
    This is a percentage of the bill that the travel has to pay. Atlas America plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Renewability of Atlas America Travel health 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.
  • Eligibility to buy Atlas America Insurance Online
    Atlas America Insurance is a popular US visitor insurance plan that offers 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.
  • Atlas America Pre-existing conditions Visitors Insurance for international travelers
    Atlas America insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years for acute onset of pre-existing conditions..

Atlas America insurance summary

Best Rating Atlas America insurance Ratings
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-
underwriters Atlas America insurance Underwritter
  • Underwritten by Lloyds, London.

underwriters 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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