COVID-19 CoverageVisitors to the USA
Atlas Essential America
Comprehensive Coverage,
Lloyd's of London
Best for:
Atlas Essential is an A rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country . The coverage duration available is from 5 days to 364 days. While in the U.S, after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 75% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay URC of eligible medical expenses, up to the policy maximum. Learn more about how Atlas Essential America works.
Atlas Essential America can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Atlas Essential America does not cover Pre-Existing medical conditions. Please review Atlas Essential AmericaâÃÂÃÂs policy documents for complete coverage and exclusions.
No additional coverage options on this plan.
How Atlas Essential America Works
Key Travel Medical Insurance Benefits
COVID-19
Included
Included
Medical Coverage
Included
Included
Medical Evacuation
Included
Included
Urgent Care
$15
$15
Extendable & Cancelable
Yes
Yes
Note: Benefit amounts shown are based on In-Network coverage and may vary. Please consult your specific policy documents for precise coverage limits.
How COVID-19 is Covered Under Atlas Essential America
COVID-19 Medical Expenses
Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.
COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.
COVID-19 Vaccination/Booster
COVID-19 vaccination/booster is not covered under the policy.
Quarantine Benefit
No Coverage
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Eligibility
- For non U.S residents and non U.S citizens traveling to the U.S
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 364 days in a policy period
- Extendable for up to 364 days
Similar Plans
Atlas America
Comprehensive Coverage
Underwriter: Lloyd's of London
Best for:
COVID-19 CoverageVisitors to the USA
In Network:100% up to policy maximum.
Out of Network:100% up to policy maximum.
In Network:100% up to policy maximum.
Out of Network:100% up to policy maximum.
- COVID-19 Coverage: Included
- 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
- Pre-Existing Conditions: No Coverage
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Accidental Death and Dismemberment Coverage
This rider, available to Members age 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum. Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions, as listed in the policy. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
| Base AD&D Coverage | Additional AD&D Coverage Available | Total AD&D Coverage Amount |
|---|---|---|
| $25,000 | $25,000 | $50,000 |
Crisis Response Benefit Rider
This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
| Base CR Coverage | Additional CR Coverage Available | Total CR Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Personal Liability Benefit Rider
This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.
| Base PL Coverage | Additional PL Coverage Available | Total PL Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Disclaimer:
Additional coverage options available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Atlas America Premium
Comprehensive Coverage
Underwriter: Lloyd's of London
Best for:
COVID-19 CoverageVisitors to the USA
In Network:100% up to policy maximum.
Out of Network:100% up to policy maximum.
In Network:100% up to policy maximum.
Out of Network:100% up to policy maximum.
- COVID-19 Coverage: Included
- 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
- Quarantine Indemnity
- Trip Interruption
- Trip Delay
- Lost Checked Luggage
- Pre-Existing Conditions: No Coverage
- No Additional Coverage Opts Available
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Disclaimer:
Additional coverage options available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Best Seller
CoverAmerica - Goldî
Comprehensive Coverage
Underwriter: Sirius Specialty Insurance Corporation
Best for:
Visitors to the USACOVID-19 Coverage
In Network:100% up to policy maximum.
Out of Network:80% of first $5000, 100% thereafter.
In Network:100% up to policy maximum.
Out of Network:80% of first $5000, 100% thereafter.
- COVID-19 Coverage: Included
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter.
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Test Benefit: At least 30 days of coverage must be purchased prior to departing the home country
- Quarantine Indemnity
- Influenza (flu) shot
- No Cancellation Fee
- No Extension Fee
- Pre-Existing Conditions: No Coverage
View Complete Details 
Preferred rate available.Learn more
Why CoverAmerica-Gold?Learn more
Preferred rate available.Learn moreWhy CoverAmerica-Gold?Learn moreAdditional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Disclaimer:
Additional coverage options available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Patriot America Plus
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
U.S citizens visiting the USAGreencard holders visiting the USA
In Network:100% up to policy maximum.
Out of Network:80% of first $5000, 100% thereafter.
In Network:100% up to policy maximum.
Out of Network:80% of first $5000, 100% thereafter.
- COVID-19 Coverage: Included
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Pre-Existing Conditions: No Coverage
Additional Coverage Options
Add more protection to your trip for peace of mind. You will be able to select these additional coverage options during the checkout process.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; whitewater kayaking or whitewater rafting in water less than Class V difficulty; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Accidental Death and Dismemberment
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Device Protection Rider
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Disclaimer:
Additional coverage options available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
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.
