Atlas America travel insurance for USA
Atlas America insurance is a travel medical insurance plan for visitors to the US. Atlas America visitors insurance is one of the few visitor insurance plans that waives co-insurance within the PPO network. It is an ideal visitor medical insurance for parents visiting USA and foreign tourists to the United States. This travel insurance is to take the risk out of international travel and includes coverage for Acts of Terrorism, complications of pregnancy and incidental trips home. Atlas America visitors insurance pre existing conditions coverage includes coverage for acute onset of pre-existing conditions up to the age of 79 years in the event of life threatening conditions. 79 years old turing 80 during the coverage period, Atlas America plan does not affect coverage as long plan is purchased at age 79. Travelers can get free Atlas America Quotes by filling the above form.
Atlas Travel is designed for global travelers seeking:- Coverage for unexpected medical expenses, including COVID-19-related expenses
- Emergency Medical Evacuation benefit
- Supplemental travel benefits including Trip Interruption, Travel Delay, and Lost Checked Luggage.
After buying the plan, Traveler can get all the plan document and plan id card by using Atlas America login. At American Visitor Insurance, US Travelers can contact the Atlas America customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
What are the main coverages of Atlas America Insurance?
ecg_heart Acute onset of a pre-existing condition
local_hospital Emergency medical evacuation
sports_soccer Sports Coverage
medical_services Urgent care
pregnant_woman Pregnancy
health_and_safety Emergency dental
Atlas America Insurance Reviews
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Atlas America WorldTrips travel insurance summary
What is the eligibility to buy Atlas America visitors Insurance?
- Non-US Citizens traveling outside their home country
- 79 years old turing 80 during the coverage period, Atlas America plan does not affect coverage as long plan is purchased at age 79.
Atlas Travel insurance restriction
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 Optional benefits
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.Atlas America Insurance also provides optional buy-up coverage for the following:
Atlas America insurance Coinsurance
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
What are some of the main Atlas America insurance benefits?
- 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.
- The deductible options for this plan are $0, $100, $250, $500, $1k, $2500 and $5k per Certificate period.
- The policy maximum options available with this plan are $50k, $100k,250k, $500k, $1M or $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50k and $100k and for people above 80 the only option is $10k.
- 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.
- 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)
Steps to buy travel insurance
Complete the quote form by entering your travel information
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What are the benefits of Atlas America insurance?
| Hospital room and board | Average semi-private room rate, including nursing services. |
| Intensive care unit | Up to the overall maximum limit. |
| Hospital indemnity | $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
| Outpatient physical therapy and chiropractic care | Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance). |
| Urgent care center co-payment | Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible) Claims incurred outside the U.S.- No co-payment. |
| Emergency local ambulance | Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
| Emergency room co-payment) | Claims incurred in the U.S.- Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury) Claims incurred outside the U.S.- No co-payment. |
| Emergency dental (acute onset of pain up to 72 hours) | Up to $300 (not subject to deductible or coinsurance). |
| Emergency medical evacuation | $1M lifetime maximum, except as provided under acute onset of pre-existing condition. |
| Repatriation of remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. |
| Return of minor children | Up to $50k (not subject to deductible or coinsurance). |
| Trip Interruption | Up to $10,000 (not subject to deductible or coinsurance). |
| Travel Delay | Up to $100 a day after a 12-hour delay period, maximum of 2 days. |
| Emergency reunion | Up to $100k, maximum of 15 days (not subject to deductible or coinsurance) |
| Natural disaster evacuation | Up to $250 a day for 5 days (not subject to deductible or coinsurance). |
| Emergency Eye Exam for a Covered Loss | Up to $150. $50 deductible per occurrence (plan deductible is waived). |
| Political evacuation | Up to $100k lifetime maximum (not subject to deductible or coinsurance). |
| Benefit Period | 90 days per certificate period. |
| Personal liability | Up to $25k lifetime maximum Up to $25,000 third person injury Up to $25k third person property Up to $2,500 related third person property Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit). |
| Local Burial or Cremation | Up to $5k lifetime maximum. |
| Terrorism | $1k maximum limit. Not subject to deductible |
| Lost or Stolen Passport/Travel Visa | Up to $100 – not subject to deductible |
| Pet return | Up to the maximum limit |
| Seatbelt benefit | Up to $1k (not subject to deductible or coinsurance). |
| Bedside visit | Up to $1,500 (not subject to deductible or coinsurance). |
| Optional Crisis Response Rider with Natural Disaster Evacuation | Up to $90k per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit |
| Border entry protection | Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border(not subject to deductible). |
| Acute Onset of Pre-Existing Condition* | Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation. |
Advantages and Disadvantages of Atlas America Insurance
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Atlas America Insurance Advantages
- 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.
- Offers sports coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports - at no additional cost.
- Atlas America 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.
- It is ideal 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.
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Atlas America Insurance Disadvantages
- Only $10,000 maximum coverage for 80+ travelers.
Atlas America Claims Information
Download Atlas America claims form
Claims Department
WorldTrips PO Box 240358 Apple Valley, MN 55124
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 insurance pre-existing conditions
"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
Get quotes for Atlas America insurance for visitors to USA!
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Compare Atlas America insurance quotes »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 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:
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Compare Atlas Group Travel insurance quotes »What is the cost of Atlas America insurance for Seniors per month?
The World Trips Atlas America insurance cost for seniors is dependent on the age of the traveler, the plan maximum and the deductible.
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k,$250K, $500k, $1M,$2M depending on the age of traveller up to age of 64. $50k and $100k coverage is available for people age 65 to 79 years. For above 80 years $10,000 is available.
For Example here we are showing price for one month with deductible of $100.
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What is the Atlas America Insurance 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
local_hospital Find Provider Network
airplanemode_inactive What are the Atlas America 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 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
Buying Atlas America Visitor insurance in California
Residents of California must note that Atlas America insurance Provider is not licensed by the State of California as the insurance provider is called “non admitted” or “surplus line”. This means that the insurance company does not participate in the insurance guarantee funds created by California Law and insured claims will not be paid by the funds if the insurance company is unable to pay as promised.
However the customer will face this risk only if the insurance company is financially unable to pay their liabilities and this depends on their financial stability. The financial stability of a company is reflected by the insurance provider rating and having an AM rating of “A” and above indicates that the company is very stable and able to settle customer claims. WorldTrips holds a financial strength rating of “A++” (Superior) by A.M. Best Company.
You can find other comprehensive visitor insurance plans
For more details see the :-
Notice for California residentsResourceful links of Atlas travel insurance
Atlas travel insurance FAQ
Frequently asked questions and answer about travel insurance plans.
Read more »Atlas Travel insurance blog
Blog to compare different Atlas Travel insurance plans
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