Atlas America Premium Insurance for US Visitors
Atlas America Premium travel insurance provides exceptional, quality coverage for travelers interested in the best travel medical insurance with high coverage limits.
- This plan is ideal for family, tourists, business persons, vacationers and adventure travelers seeking higher coverage limits for shorter trips.
- Atlas America Premium insurance is ideal for visiting the US.
- Parents looking to purchase insurance with higher coverage limits for their children and themselves
- The business and travel elite interested in purchasing a premium Atlas plan
Key benefits of Atlas Premium America Insurance
ecg_heart Acute Onset of Pre-Existing Condition
medical_servicesUrgent care
local_hospitalEmergency medical evacuation
pregnant_woman Pregnancy
health_and_safety Emergency dental
United HealthCare PPO
Atlas America Premium Insurance Reviews
Atlas America Premium Visitor Insurance Links
Atlas America Premium Health Insurance - Key Highlights
- Ideal for Non-US Citizens visiting USA.
- This plan provides $50,000 and $100,000 coverage for the people 65 to 79 years old.
- $20,000 maximum coverage for 80+ travelers.
- Offers coverage for complications of pregnancy in the first 26 weeks of gestation.
- Offers sports coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports - at no additional cost.
- Trip Interruption coverage available for up to $15k not subject to deductible.
- Lost checked luggage up to $2k - not subject to deductible.
- Political Evacuation available up to $150k lifetime maximum not subject to deductible.
- Bedside visit up to $1500 not subject to deductible.
- 79 years old turing 80 during the coverage period, Atlas Premium plan does not affect coverage as long plan is purchased at age 79.
WorldTrips Atlas America Premium Travel Insurance summary
Eligibility
- Available for Non-US Citizens visiting USA
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.
Coinsurance
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
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Plan benefits
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Hospital room and board Average semi-private room rate, including nursing services. Intensive care unit Up to the overall maximum limit. Hospital indemnity Up to $100 a day after Emergency Quarantine Indemnity - COVID 19 $50 a day for up to 10 days. Proof of quarantine mandate by a physician or government authority required.Quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.(only available outside your home country). -
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 $300 (not subject to deductible or coinsurance). -
Emergency medical evacuation $1M lifetime maximum, except as provided under acute onset of pre-existing condition. Emergency reunion Up to $150k, subject to a maximum of 15 days - not subject to deductible 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 $15k (not subject to deductible or coinsurance). Travel Delay Up to $200 a day after a 12-hour delay period, maximum of 2 days. Emergency reunion Up to $150k, maximum of 15 days (not subject to deductible or coinsurance) Natural disaster evacuation $10,00 (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 $150k lifetime maximum (not subject to deductible or coinsurance). Personal liability Up to $100k lifetime maximum
Up to $100k third person injury
Up to $100k third person property
Up to $2,500 related third person property(not subject to deductible or overall maximum limit).Local Burial or Cremation Up to $5k lifetime maximum. Accidental death & dismemberment help Members under age 18: Up to $5k lifetime maximum.
Members age 18-69: Up to $100k lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250k maximum benefit any one family or group.
Accidental death & dismemberment buy up: $25kCommon carrier accidental death help Up to $100k for ages 18 through 69
Up to $10k under age 18
Up to $25,000 for ages 70 through 74
Up to $12,500 for ages 75 and olderTerrorism Up to $300 – not subject to deductible Lost or Stolen Passport/Travel Visa Up to $100 – not subject to deductible Pet return $1k Bedside visit Up to $1,500 (not subject to deductible or coinsurance). Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses) Up to $100k per certificate period 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. Up to $25k lifetime maximum for Emergency Medical Evacuation.
Atlas America Premium Insurance cost for seniors per month in USA
The cost of WorldTrips Atlas America insurance for seniors is dependent on the following factors - The age of the traveler, the plan medical maximum coverage, the co-insurance 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 $20,000 is available.
For Example here we are showing price for one month with deductible of $250.
Atlas America Premium travel medical insurance - FAQ's
If you are at least 14 days old and traveling to USA, 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 America Premium Travel insurance offers a $20,000 policy maximum to applicants over age 80.
Atlas America Premium 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 Premium 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.
Yes Atlas America Premium insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 79 years.
The cost of Atlas America Premium visitor medical insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit, the co-insurance 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, $500k, $1M depending on the age of traveler. To get a quote Click here
The Atlas America Premium plan is ideal for family, tourists, business persons, vacationers and adventure travelers seeking higher coverage limits for shorter trips. This insurance plan is available for travelers to the US and outside their home country.
Well, Atlas America Premium visitor medical insurance offers coverage for complications of pregnancy during the first 26 weeks of gestation.
The Atlas America Premium Insurance is available for Non-US Citizens visiting USA.
Atlas America Premium Claims Information
Atlas America Premium 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.
WorldTrips Travel Insurance Related links
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Atlas America Premium 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.
Atlas America Premium Insurance - UnitedHealth Care insurance PPO network
When seeking treatment within the U.S., you may reduce your out-of-pocket costs by visiting a doctor within your preferred provider organization (PPO). A PPO is a network of hundreds of thousands of established, highly qualified medical practitioners and well-recognized hospitals in the U.S.
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