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Atlas Essential America : Reviews, Ratings, and Feedback

Atlas Essential America

Comprehensive Coverage, A.M. Best Rating: A
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company

Best for:
Visitors to the USA
Atlas Essential America Insurance is a travel medical insurance plan designed primarily for non-U.S. citizens and non-U.S. residents visiting the United States. It provides coverage for eligible medical expenses related to unexpected illness or injury during a covered trip, with benefits that can include physician visits, hospital care, emergency treatment, prescription drugs, diagnostic services, and urgent care, subject to the plan’s deductible, coinsurance, maximum limits, exclusions, and other terms. The plan is available for coverage periods from 5 days up to 12 months, depending on eligibility.

For travelers comparing Atlas Essential America travel insurance or Atlas Essential America visitor insurance, the plan can be a practical option to consider when looking for visitor insurance for the USA, particularly for parents, relatives, tourists, and other international visitors. Atlas Essential America is administered by WorldTrips, while policies are underwritten by TMHCC (CI) Insurance SPC Ltd. or Houston Casualty Company for policies issued in Florida. Its participation in the UnitedHealthcare PPO network and range of deductible and coverage-limit choices may be useful when comparing travel medical insurance options, but the actual benefits and availability depend on the policy purchased and applicable terms.

No optional add-on benefits on this plan.

Plan Highlights

  • After the deductible, plan pays 70% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays URC of eligible medical expenses up to the policy maximum
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Dental Coverage
  • Prescriptions/Medication
  • COVID-19 Coverage: Included
  • Pre-Existing Conditions: No Coverage
Key Metrics

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 and Ratings

Reviews & Ratings

  • A.M. Best Rating: A
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • PPO Network
  • After the deductible plan pays: 70% up to the policy maximum
  • International Coverage During Travel
  • Extenable/Renewable
  • Cancellable
  • Emergency Medical Evacuation: Up to $500,000
  • Optional Rider: AD&D
  • Optional Rider: Personal Liability
  • COVID-19: Included
What's Not So Good

What's Not So Good

  • Emergency Room Deductible If Not Hospitalized
  • Low Policy Maximums for those 80+

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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.

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