Atlas America
Comprehensive Coverage, Rated A (Excellent)By: HCC-MIS, UW: Lloyd'sLloyd's of London
- AM Best Rating
- A (Excellent)
- Administrator/Underwriter
- Tokio Marine HCC – MIS Group
Lloyd's of London
In Network
After deductible, the plan pays 100% up to the policy maximum.
Out of Network
Plan pays 100% up to the policy maximum.
Acute onset of Pre-Existing Conditions
Medical Coverage During Travel
Extendable & Cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 364 days
PPO
UnitedHealthcare
Urgent Care
COVID-19 Included
- 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
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)
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
Tokio Marine HCC – MIS Group
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
By Provider, Phone Nos. : 800-605-2282 or 317-262-2132
Plan 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
Atlas America Insurance FAQ | |
| Q1. Am I eligible for Atlas America? Non US-citizens and Non-US residents traveling to the U.S can purchase Atlas America. | |
| Q2. What Information do I need to buy the Plan? You would need the name of the traveler(s), dates of birth(s), travel dates and mailing address of the visitor(s). A valid credit card is also required to purchase the plan. | |
| Q3. When will I receive my ID card? An email confirmation will be sent after purchase. The email will include links and instructions on how to access and print out your ID card. | |
| Q4. Does the Atlas America cover coronavirus? A: Depending on when you purchased a travel insurance policy and the type of plan purchased, coverage for coronavirus, if any, may vary. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. | |
| Q5. Can I extend the plan, if I plan to stay longer? Yes, if you buy the plan initially for more than 5 days, you can extend the policy. It is recommended to extend the plan at least two days before the policy expires. There is a $5 extension fee added to the premium for the additional days of coverage. The policy can be extended for up to a maximum of 364 days. | |
| Q6. Can I cancel the plan, if I plan to go back earlier? Yes, you can cancel and get a refund for the Atlas America plan, if you need to go back earlier than planned. The following rules apply: | |
| Q7. Are pre-existing conditions covered by the Atlas America Plan? Pre-existing conditions are not covered by Atlas America Plan. However, the Atlas America Plan covers up to the policy maximum for acute onset of pre-existing conditions in people up to 79 years of age. An acute onset of a pre-existing condition is defined as: 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. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset. A Pre-existing condition is defined as an Injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the certificate effective date. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition. | |
| Q8. What is an acute onset of pre-existing condition? An acute onset is a sudden 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, is of short duration. It has to be an acute medical condition that requires immediate medical attention. The acute onset of a pre-existing must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered as an acute onset of pre-existing condition. | |
| Q9. What is the Incidental Home Country Coverage? During the policy period, if you need to go back to your home country for a short trip, and come back again, then the plan would cover in your home country for such short trips. For US residents, coming back to the USA for an incidental trip, the maximum number of days for coverage is 15 days. The maximum number of days covered in the incidental trip to the home country for Non-US residents is 30 days. The trip must not be taken for medical purposes. Incidental home country coverage does not apply to the final trip to the home country. | |
| Q10. Which doctor or hospital can I go to? You can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses. However, if you choose to go to a provider within the United Healthcare PPO network for Atlas Plan, benefit prices may be negotiated. You can search for doctors and hospitals in this Provider Directory. | |
| Q11. How do I use this insurance? Please refer to the following article about the policy usage: How to use Visitor Insurance? | |
| Q12. How do I file a claim? Please refer to the following article concerning the claim process: | |
| Q13. When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis? Payment in full is required in order for coverage to begin. There is no monthly payment options. You can choose to renew your coverage monthly. There is a $5 extension fee applied for each extension done. | |
| Q14. Where can I find answers to other questions I have? Please refer to the Visitors Insurance FAQ section. Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information | |
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.
