Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
A working example of using Atlas International 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 for claims : After the deductible, underwriters will pay 100% up to the policy limit
Total medical expenses is $25,000
The Atlas International 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.
Amount Insurance Pays
Amount Insured Owes
Hospital Room Rent
*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.
Atlas International insurance advantages
Comprehensive benefit plan.
Complies with Schengen visa requirements.
Plan administrator provides VISA LETTER online in English and Spanish.
Travelers traveling outside their home country and outside of US can buy this plan.
Life time maximum $50,000 and $100,000 for medical expenses (based on the choosen plan maximum) and $25,000 for emergency medical evacuation for acute onset of a pre-existing condition. The insured age should be below 70 years.
Insured between the age 70-79 years can get coverage of $50,000.
Refund of full premium if cancellation of policy is requested before the policy start date. If cancellation request is received after the policy start date, then only unused portion of the plan cost will be refunded after deducting the cancellation charges.
Travel and medical assistance include pre-trip destination information, medical monitoring, provider referrals, travel document replacement, lost luggage assistance, prescription drug replacement, dispatch of physician.
Optional coverage for adventurous sports.
Coverage for pregnancy complications during the first 26 weeks of gestation.
This plan also covers for terrorism, political evacuation, natural disaster benefit and return of minor children.
Acute onset of pain for dental emergency is $100 limit per certificate period.
Renewable plan up to 36 months.
PPO network: Easy to locate doctors and hospitals.
Co-insurance outside of US and Canada - For the certificate period, plan pays 100% of eligible medical expenses.
Co-insurance inside of US and Canada - For the certificate period, plan pays 80% for the first $5000 of eligible medical expenses and then 100% up to policy maximum. Coinsurance is waived if expenses are incurred within the PPO network.
Atlas International Insurance Disadvantages
Pre-certification is required to receive full benefits. Failure to pre-certify with the assistance company will reduce the benefits to 50%.
Only $10,000 coverage for 80 plus age old traveler.
The previous benefit of free coverage for dependent children under 9 years when parents are coverage has been discontinued.
A penalty of 50% of eligible medical expenses for failure to pre-certify the medical expenses.
What are some insurance terms important in Atlas International Insurance reviews?
Review Atlas International Insurance to know these important aspects of international visitor insurance for USA:
Plan Maximum coverage of Atlas International travel insurance:
This the maximum coverage that the plan would offer for the medical expenses. Atlas International insurance offers maximum coverage up to 2 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 $150,000;
What is a deductible in Atlas International 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 International insurance offer a set of deductible options for the travelers to choose from. Atlas International insurance has a range of deductible option from $0 up to $5,000.
What is a provider network of Atlas International 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 International visitor insurance?
This is a percentage of the bill that the travel has to pay. Atlas International plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
Renewability of Atlas International Travel health insurance
Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas International Insurance can be renewed for 364 days.
Eligibility to buy Atlas International Insurance Online
Atlas International Insurance is a popular US visitor insurance plan that offers comprehensive medical coverage to Non US citizens visiting US for a short period.
Atlas International 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 International Pre-existing conditions Visitors Insurance for international travelers
Atlas International 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 International insurance summary
Atlas International insurance rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Atlas International insurance underwritter
Underwritten by Lloyds, London.
Atlas International 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.