Visitors to the USA
Atlas America
Comprehensive Coverage,
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for:
Atlas America (A.M. Best Rating: A) is a comprehensive travel medical insurance plan for visitors seeking dependable medical coverage while traveling in the United States. Comprehensive medical benefits, emergency travel assistance, and acute onset coverage of pre-existing conditions for eligible travelers make it one of the most popular choices for vacations, family visits, and business travel. Coverage is available from 5 days to 365 days.
While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 100% of eligible medical expenses, up to the selected policy maximum.
Atlas America does not cover pre-existing conditions. Atlas America includes acute onset coverage of pre-existing conditions up to the policy maximum for travelers under age 80.
Review the Atlas America policy documents for complete coverage details, exclusions, and limitations.
While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 100% of eligible medical expenses, up to the selected policy maximum.
Atlas America does not cover pre-existing conditions. Atlas America includes acute onset coverage of pre-existing conditions up to the policy maximum for travelers under age 80.
Review the Atlas America policy documents for complete coverage details, exclusions, and limitations.
Learn more about 3 optional add-on benefits available on this plan.
Plan Highlights
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Emergency Eye Exam Coverage
- Prescriptions/Medication
- Trip Interruption
- Trip Delay
- COVID-19 Coverage: Included
- Pre-Existing Conditions: No Coverage
Key Metrics
- Administrator: WorldTrips
- Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
- Best Suitable for: International visitors to the USA, looking for extensive travel insurance
- Eligibility (Who can buy this travel insurance?): Visitors to the USA
- Type of coverage: Comprehensive Coverage Plan
Reviews & Ratings
- A.M. Best Rating: A
- Licensed and Regulated by the United States Department of Insurance
What's Good
- PPO Network
- After the deductible plan pays: 100% up to the policy maximum
- International Coverage During Travel
- Acute Onset of Pre-Existing Condition
- Extenable/Renewable
- Cancellable
- Emergency Medical Evacuation: Up to $1,000,000
- Optional Rider: AD&D
- Optional Rider: Crisis Response
- Optional Rider: Personal Liability
- COVID-19: Included
What's Not So Good
- Emergency Room Deductible If Not Hospitalized
- Low Policy Maximums for those 80+
- Low Acute Onset of Pre-Existing Condition Emergency Medical Evacuation
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Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
