Visitors to the USA
Atlas Essential America
Comprehensive Coverage,
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for:
Atlas Essential (A.M. Best Rating: A) is a comprehensive travel medical insurance plan that provides affordable medical coverage for visitors traveling to the United States. It combines flexible deductible options, emergency medical benefits, travel assistance, and access to the UnitedHealthcare PPO network, making it an excellent value for family visits, vacations, and temporary stays. 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 70% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay URC of eligible medical expenses, up to the selected policy maximum.
Atlas Essential does not cover pre-existing conditions.
Review the Atlas Essential 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 70% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay URC of eligible medical expenses, up to the selected policy maximum.
Atlas Essential does not cover pre-existing conditions.
Review the Atlas Essential policy documents for complete coverage details, exclusions, and limitations.
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
- 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: 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
- Emergency Room Deductible If Not Hospitalized
- Low Policy Maximums for those 80+
- Optional add-on benefits No Optional add-on benefits
- Plan FAQ
- Extend Online
- Cancellation & Refund Info
- How This Plan Works?
- Claim Information
- PPO Network
- What is Not Covered (Exclusions)
- Plan Brochure
- Sample Description of Coverage
- Insurance Product Information Document
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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.
