AA

Atlas America

Comprehensive Coverage,  Rated A (Excellent)By: WorldTrips,  UW: Lloyd'sLloyd's of London
AM Best Rating
A (Excellent)
Administrator/Underwriter
WorldTrips
Lloyd's of London
100%
In Network

After deductible, the plan pays 100% up to the policy maximum.

100%
Out of Network

Plan pays 100% up to the policy maximum.

COVID-19 Included
acute-onset-pre-existing-condition
Acute onset of Pre-Existing Conditions
extendable-cancelable
Extendable & Cancelable
ppo
urgent-care
Urgent Care
medical-coverage-during-travel
Medical Coverage During Travel
extendable-cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 364 days
  • Urgent Care
  • Not available to individuals who are physically located in: New York, Maryland, Washington, Australia or Canada at the time of purchase.
    Not available if Home Country/Country of Residences is: Australia, Cuba, Iran, North Korea, or Syria
    Not Available for the following Destination Countries: Cuba, Iran, North Korea, or Syria
BUY

Atlas America insurance is a visitor insurance plan that provides medical coverage and emergency services to Non-US citizens travelling outside their home country, including the USA. This plan also offers limited coverage for *acute onset of pre-existing conditions* for visitors. After the deductible is satisfied, the plan pays 100% up to policy maximum, both for travel within and outside the USA.

*Acute onset of a pre-existing condition*: A sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care.
Notable Features:
  • 100% coverage up to policy maximum both within and outside US
  • Urgent care

Out-Patient

Dr. / Physician Visit

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Urgent Care

$15 co-pay (deductible waived) for urgent care and walk-in clinics only applicable to claims incurred inside the US. Co-pay waived if $0 is chosen for policy.

Surgical Treatment

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Prescription Drugs / Medicines

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Lab & X-rays

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Physical Therapy

(Physical Therapy or Chiropractic Care) $50 per visit. Coinsurance is waived.

In-Patient

Hospital Room

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Surgical Treatment

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Hospital Intensive Care Unit

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Emergency Services

Ambulance Expenses

Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.

Emergency Room(ER)

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Dental

Acute, spontaneous and unexpected pain

Up to $300

Accidental emergency

After deductible, the plan pays 100% up to policy maximum for eligible expenses.

Travel

Emergency Medical Evacuation / Repatriation

Up to $1,000,000 maximum lifetime limit.

Return of Remains

Overall maximum limit (not subject to deductible or coinsurance)

Emergency Reunion

$50,000 limit per certificate period, subject to a maximum of 15 days (not subject to deductible or coinsurance)

Return of minor Child(ren)

$50,000 per certificate period (not subject to deductible or coinsurance)

Trip Interruption

$10,000 limit per certificate period (not subject to deductible or coinsurance)

Loss of checked Baggage

$1,000 limit per certificate period (not subject to deductible or coinsurance)

Life

AD&D

Up to Age 69: Up to $25,000
Age 70-74: Up to $12,500
Age 75 and older: Up to $ 6,250
Age under 18: Up to $5,000 (subject to a maximum of $250,000 any one family or group)

Optional Riders Available (see policy brochure for details)

Common Carrier Accidental Death

Up to Age 69: Up to $50,000
Age 70-74: Up to $25,500
Age 75 and older: Up to $ 12,500
Age under 18: Up to $10,000
(Subject to a maximum of $250,000 any one family or group)

Other

Acute Onset

If you are under age 80, you are covered for acute onset of a pre-existing condition up to the selected medical maximum (excludes chronic and congenital conditions). And for Emergency Medical Evacuation coverage is up to $25,000.
An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Local Burial or Cremation

$5,000 lifetime limit

Maternity

Not covered

Incidental Home Country Coverage

Non-US citizen permitted a maximum of 30 days per 3 month. Incidental home country coverage.

General Physical full Checkup

Not covered

Terrorism Coverage

Up to $50,000

Brochure

Support

24-Hrs Emergency Assistance

Yes. Contact Number and details can be found on the ID card.

Plan Administrator Company

WorldTrips

Carrier / Underwriter

Lloyd's of London

AM Best Rating

A (Excellent)

Eligibility

Can be purchased by non-United States citizens or any visa holder (e.g. L/H/B1, B2, etc.) traveling outside of their home country on a legal status. Cannot be purchased for travel to or from Australia or by Canadian citizens.

Plan Type

Comprehensive Coverage Plan
Percentage based coverage.

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Covered

Co-Pay

No Co-pay. Except

  • $200 co-pay applicable within US for ER only, if not hospitalized.
  • $15 co-pay (deductible waived) applicable for urgent care and walk-in clinic facilities within US. This co-pay is waived if the deductible chosen in application is $0

Co-Insurance

After the deductible is satisfied, the plan pays 100% up to the ?policy maximum

How the Benefits are Paid

After the deductible is satisfied, the plan pays 100% up to the ?policy maximum

Coverage Type

Lifetime of the policy

Deductible Type

Once Annually or Per Policy Period.

Renewability

Can be extended before policy expires. $5 fee applies each time you extend. Can be extended for maximum period of 364 days.

Cancellation

Full refund available if cancelled before start date. Pro-rated refund available after start date if no claims have been made( $25 Cancellation Fee Applicable)

PPO Network

Coverage Length

Min 5 days to 364 days.

Available Deductibles

Choose From: $0, $100, $250, $500, $1,000, $2,500 or $5,000 per Policy Period or Annual.

Available Coverage

For ages 64 and below, choose from: $50,000; $100,000; $250,000; $500,000; $1,000,000;$2,000,000

For Age 65-79, chose from: $50,000 or $100,000.

Provider Directory

Inside USA 800-605-2282
Outside USA 317-262-2132

Plan Brochure

Atlas America Insurance Brochure brochure

Home Country Definition

US citizens: Home Country is always the United States, regardless of the location of your Principal Residence.
Non US citizens: Home Country is the country where you principally reside and receive regular mail.

US States Restrictions

Cannot be physically located in Maryland, New York, Washington, Canada or Australia at time of purchase. This restriction is only for purchase. The plan still provides coverage for a policy holder visiting NY, MD, or WA.

Country Restrictions

Cannot be purchased for travel to or from North Korea, Iran, and Cuba

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.