- AM Best Rating
- A (Excellent)
- Tokio Marine HCC – MIS Group
Lloyd's of London
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
Dr. / Physician Visit
Prescription Drugs / Medicines
Lab & X-rays
Hospital Intensive Care Unit
Acute, spontaneous and unexpected pain
Emergency Medical Evacuation / Repatriation
Return of Remains
Return of minor Child(ren)
Loss of checked Baggage
Local Burial or Cremation
Incidental Home Country Coverage
General Physical full Checkup
24-Hrs Emergency Assistance
Plan Administrator Company
Tokio Marine HCC – MIS Group
Carrier / Underwriter
Lloyd's of London
Can be purchased by non-United States citizens or any visa holders (e.g. L/H/B1,B2) travelling outside their home country. Can not be purchase for travel to and from Australia.
Comprehensive Coverage Plan
Unlike schedule plan, this plan covers expenses at the limit of maximum coverage, with co-pay and applicable deductible.
AM Best Rating
Coverage in U.S.A.
Coverage outside U.S.A.
$15 co-pay (deductible waived) applicable for urgent care and walk-in clinic facilities.
Up to $10,000.
The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence.
No Co-Insurance; 100% Covered, after deductible
How the Benefits are Paid
After deductible is met, plan pays 100% up to policy maximum for covered sickness or injury
Plan Effective Date
Your coverage becomes effective on the latest of: the moment we receive your Application and correct premium (if Application and payment is made online or by fax), 12:01am US Eastern Standard Time on the date we receive your Application and payment (if Application and payment is made by mail), the moment you depart from your Home Country, or 12:01am US Eastern Standard Time on the date you request on your Application.
Plan End Date
Your coverage will end on the earliest of: 12:01am US Eastern Standard Time on the last day of the period for which you have paid a premium, 12:01am US Eastern Standard Time on the date requested on your Application, or the moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage).
Renewable with $5 fee each time you renew, up to a maximum period of 364 days.
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)
Out of US visit any doctor or hospital
Min 5 days to 364 days.
Choose From: $0, $100, $250, $500, $1,000, $2,500 or $5,000 per Policy Period or Annual.
Choose From: $50,000; $100,000; $250,000; $500,000; $1,000,000; $2,000,000
For Age 70-79 max coverage is limited to $50,000, $250,000
For Age 80+ max coverage is limited to $10,000.
By Provider, Phone Nos. : 800-605-2282 or 317-262-2132
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
Restricts a person physically located in New York (NY), Maryland (MD) and Washington (WA) to purchase the plan
Cannot be purchased for travel to and from Australia, Canada, North Korea, South Sudan, Iran, Syria and Cuba. For Cuba, only US citizens & residents can get the Atlas International Policy.
Atlas International Insurance FAQs
Q1. Am I eligible for the Atlas International plan?
The Atlas International plan is available for:
Q2. What Information do I need to buy the Plan?
You would need the names, dates of birth, travel dates, and mailing address of the visitors. 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. 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 be an $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.
Q5. Can I cancel the plan, if I plan to go back earlier?
Yes, you can cancel and get a refund for the Atlas International/America Plan, if you need to go back earlier than planned. The following rules apply:
Q6. Are pre-existing conditions covered by the Atlas America/International 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 69 years of age. For age 70-79, the plan provides up to $100,000 in coverage for acute onset of pre-existing conditions. It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. 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.
Q7. 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. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under acute onset of pre-existing condition.
Q8. 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 citizens, 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 an incidental trip to the home country for Non-US citizens 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.
Q9. 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 PPO network United Healthcare for Atlas America, benefit prices may be negotiated./p>
You can search for doctors and hospitals in this Provider Directory.
Q10. How do I use this insurance?
Please refer to the following article about the policy usage: How to use Visitor Insurance?
Q11. How do I file a claim?
Please refer to the following article concerning the claim process:
Q12. 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?
Based on the desired coverage length you have selected, you have to make the full payment at once.
Since this plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal.
Q13. 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
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.