Tokio Marine HCC

Compare Atlas Travel Insurance vs Atlas Premium vs Atlas Essential Travel Insurance

Compare travel insurance benefits offered by Atlas America Insurance, Atlas Premium Travel Insurance and Atlas Essential Travel Insurance plans. These two US travel insurance plans are comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.
Atlas travel insurance with coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.


Atlas Travel vs Atlas Premium vs Atlas Essential(Tokio Marine HCC), Best health insurance for visitors to USA

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Atlas America
Plan Maximum
Deductible
Atlas Travel Insurance covers covid19 illness
Atlas Premium America
Plan Maximum
Deductible
Atlas Premium Insurance covers covid19 illness
Atlas Essential
Plan Maximum
Deductible
Atlas Essential covers covid19 illness
Brochure & Details links
Underwriter
Atlas America Insurance Underwriter
Underwritten by Lloyds, London
Atlas Premium Insurance Underwriter
Underwritten by Lloyds, London
Atlas Essential Insurance Underwriter
Underwritten by Lloyds, London
Coronavirus coverage
Atlas America Covid insurance provides coronavirus coverage for eligible medical expenses resulting from COVID-19/SARS-CoV-2. Atlas Premium Covid insurance with coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Atlas Essential Covid insurance provides coronavirus coverage for eligible medical expenses resulting from COVID-19/SARS-CoV-2.
Rating
Atlas America Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Atlas Premium Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Atlas Essential Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Medical Maximum Options
Age 80 or older - $10,000; Age 65 to 79 - $50,000, $100,000; All others - $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000. Age 80 or older - $20,000; Age 65 to 79 - $50,000, $100,000; All others - $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000. Age 80 or older - $10,000; Age 65 to 79 - $50,000, $100,000; All others - $50,000, $100,000, $250,000, $500,000, or $1,000,000.
Deductible Options
$0, $100, $250, $500, $1,000, $2,500 or $5,000 $0, $100, $250, $500, $1,000, $2,500, or $5,000 $0, $100, $250, $500, $1,000, $2,500 or $5,000
Acute Onset of Pre-existing Condition
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
Not Available
Coinsurance
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Within the PPO: We will pay 75% of eligible expenses after the deductible to the overall maximum limit.
Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Hospital Room and Board
Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services.
Local Ambulance
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Hospital Indemnity
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). Not Available
Terrorism
Up to $50,000 lifetime maximum for eligible medical expenses only. Up to $50,000 lifetime maximum, eligible medical expenses only. Up to $50,000 lifetime maximum for eligible medical expenses only.
Emergency Dental (acute onset of pain)
Up to $300 (not subject to deductible or coinsurance). Up to $300 (not subject to deductible or coinsurance). Not Available
Emergency Medical Evacuation
$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. Up to $1,000,000 lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition.
Not subject to deductible or overall maximum limit
Up to $500,000 lifetime maximum, not subject to deductible or coinsurance.
Accidental death & dismemberment
Under age 18 years - Up to $5,000; 18 to 69 years - Up to $50,000; 70 to 74 years - Up to $12,500; 75 and older - Up to $6,250 lifetime maximum; $250,000 maximum benefit any one family or group(not subject to deductible or coinsurance). Under age 18 years - Up to $5,000; 18 to 69 years - Up to $100,000; 70 to 74 years - Up to $12,500; 75 and older - Up to $6,250 lifetime maximum; $250,000 maximum benefit any one family or group (Excludes loss due to common carrier accident) Not Available
Return of Minor Children
Up to $50,000 (not subject to deductible or coinsurance). Up to $50,000 (not subject to deductible or coinsurance). Not Available
Repatriation of Remains
Up to the overall maximum limit (not subject to deductible or coinsurance). Up to the overall maximum limit (not subject to deductible or coinsurance). Up to $25,000 lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limit).
Emergency Reunion
Up to $100,000, subject to a maximum of 15 days (not subject to deductible or coinsurance). Up to $150,000, subject to a maximum of 15 days (not subject to deductible or coinsurance). Not Available
Trip Interruption
Up to $10,000 (not subject to deductible or coinsurance) Up to $15,000 (not subject to deductible or coinsurance) Not Available
Trip Delay
Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance). Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance). Not Available
Political Evacuation
Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). Up to $150,000 lifetime maximum. (not subject to deductible or coinsurance). Not Available
Natural Disaster - Replacement Accommodations
Up to $250 a day for 5 days (not subject to deductible or coinsurance). Up to $500 a day for 5 days (not subject to deductible or coinsurance). Not Available
Optional Personal Liability Rider
Up to $75,000 lifetime maximum - not subject to deductible or overall maximum limit. Not Available Not Available
Unique Advantages
Atlas Travel Insurance Advantages:
  • Atlas America Insurance is best for travelers on H1B/H4 visa holders or students on OPT status.
  • Adventure sports coverage is included.
  • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
Atlas Premium Insurance Advantages:
  • Atlas Premium provides coverage with higher benefit limits.
  • It is ideal for shorter trip or you are seeking more extensive coverage as you travel abroad.
Atlas Essential Insurance Advantages:
  • Atlas Essential Insurance is best for travelers with less premium insurance.
  • Atlas Essential offers less benefits.

Compare Atlas America Insurance, Atlas Premium Insurance and Atlas Essential Insurance, Compare Atlas travel insurance for USA

International travel involves high risks and uncertainties. A sudden mishap like sickness or accidental injuries which results in hospitalization can lead to a big financial loss. Travel risks include trip interruption, trip delay, trip cancellation, loss of baggage, loss of passport, emergency evacuation and more. In destinations like the US where the health care is sophisticated and extremely high. The travelers to the US must buy good and adequate Visitor medical insurance which would cover most of the expenses. TokioMarine HCC medical insurance services offer Atlas travel insurance which is quite popular among International tourists to USA. TokioMarine HCCMIS Atlas Travel Insurance ratings by AM Best Rating is A++ (Superior).

Atlas America Insurance , Atlas Premium Insurance and Atlas Essential Insurance are the best visitors insurance for USA. Atlas Premium insurance offers high end coverage for travelers looking for extensive coverage.
Atlas Premium insurance offers higher plan maximum of $20,000 visitor insurance for older travelers above 89 years while Atlas America offers coverage of $10,000 for seniors overs 80 years.
Atlas premium also offers better coverage of Accidental death and dismemberment lifetime maximum of $100,000, personal liability lifetime maximum of $100,000 and Crisis response of $100,000 per certificate period.

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What are the factors to consider while comparing Atlas America Insurance, Atlas Premium Insurance and Atlas Essential Insurance, compare atlas travel insurance USA?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America Insurance and Atlas Premium Insurance:
  • Compare visitor medical insurance maximum coverage between Atlas America Insurance, Atlas Premium Insurance and Atlas Essential Insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million, Atlas Premium Insurance offers coverage up to 2 million and Atlas Essential Insurance offers coverage up to 1 million. Atlas Premium offers $20,000 maximum for older travelers above 80 years, Atlas America Insurance offers $10,000 maximum for older travelers above 80 years and Atlas Essential Insurance offers $10,000 maximum for older travelers above 80 years.
  • Compare visitors health insurance deductible options between Atlas America Insurance, Atlas Premium Insurance and Atlas Essential Insurance:
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Atlas America insurance and Atlas Premium Insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance, Atlas Premium Insurance and Atlas Essential Insurance have a range of deductible option from $0 up to $5,000.
  • Compare travel medical insurance provider network for Atlas America Insurance, Atlas Premium Insurance and Atlas Essential Insurance:
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Compare travel insurance coinsurance options for Atlas America Insurance, Atlas Premium Insurance and Atlas Essential Insurance:
    This is a percentage of the bill that the travel has to pay. Atlas America and Atlas Premium plans pays 100% of eligible expenses after the deductible up to the overall maximum limit. Atlas Essential Provides Within the PPO: We will pay 75% of eligible expenses after the deductible to the overall maximum limit. Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • Contrast the travel health Insurance renewability options for Atlas America Insurance, Atlas Premium Insurance and Atlas Essential Insurance:
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas America Insurance can be renewed for 364 days while Atlas Premium Insurancen and Atlas Essential also can be renewed up to a total of 364 days.
  • Compare eligibility options of US visitors travel insurance for Atlas America Insurance, Atlas Premium Insurance and Atlas Essential Insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas America Insurance is quite popular among h1b/ h4 visa holders and students on opt status as it has not limitation on buying insurance if they are already in the US for quite some time and Atlas Essential travel medical insurance policy provides coverage for the basic necessities as you travel outside of your home country.
  • Compare visitors insurance Pre-existing conditions coverage for Atlas America Insurance, Atlas Premium Insurance and Atlas Essential Insurance:
    Atlas America Insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Atlas Premium Insurance also offers coverage for acute onset of pre-existing conditions up to the age of 79 years.


Atlas America vs Atlas Premium America - FAQs

  • Atlas America
  • Atlas Premium America

Atlas America insurance covid coverage is available for plans purchased after July 15, 2020. Atlas America insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19/SARS-CoV-2.

Tokio Marine offers a range of international travel insurance plans specifically considered for the needs of international travelers and students. Tokio Marine travel insurance products are ideal for NON US citizens traveling to the US or outside their home country, for US citizens traveling outside the US and international students studying outside their home country. The Atlas America insurance Covid covers Coronavirus and acute onset of pre-existing conditions and is very popular with international travelers.

Yes, Atlas America insurance is a good option for visitors to US who have been here for some time and do not have a current insurance coverage. It is also an excellent plan for international students who are on the OPT status, H1B visa holders and for Spouses of H1B visa holders on the H4 visa status.

Atlas America covers eligible injuries and illness incurred while taking part in many popular vacation sports - skiing, snowboarding, snorkelling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.

Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.

Yes, US Visitors who had initially bought for less than 364 days can renew Atlas America Insurance online up to 364 days.

If you want to cancel Atlas America insurance, you must submit your cancellation request to orders@hccmis.com in order to receive a refund or premium. Only members who have no claims are eligible for premium refund.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:
  • Full refund of premium.
Cancellation after effective date:
  • $25 cancellation fee will be charged by the insurance company.
  • Only unused portion of the plan cost will be refunded.

Atlas America is a best travel insurance pre existing conditions Insurance that offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It excludes coverage for chronic and congenital conditions. For visitors aged up to 70 years, it offers coverage up to overall maximum limit. Visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100,000, whichever is lower.

Visitors can review this article on how to use Atlas America visitor medical insurance in case of emergency in the United States.

Atlas America insurance offers comprehensive coverage for visitors to USA. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “First Health care network or United health care.”. When Traveling Outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Atlas America insurance pays 100% up to maximum limit. For detailed working example of how it works, you can review Atlas America insurance working example.

As a visitor to the United States, you will need to have a visa issued in your passport to be allowed in to country. You can find out whether or not you need a US visa by reviewing the visa waiver program list of countries by the US government. The type of visa that you need will be based on the reason of your travel to the US. Atlas America insurance offered by TokioMarine HCC works ideally for visitors to the US applying for any of these visas.

Some of the common US visas are :
  1. Visitor visa or Tourist Visa
  2. Student visa (F1 visa)
  3. J visa (exchange scholar visa)
  4. H1B work visa
  5. Fiancee visa

For anyone coming to the United States, you will need to have a visa issued in your passport to be allowed in to country unless you are a citizen of a country which is part of the US visa waiver program. The list of countries under the Visa waiver program are provided here. The category of visa that you need to apply for is dependent on the reason of your visit to the US. Atlas Premium insurance is very popular with visitors applying for any of these visas to the United States.

Some of the Common US visas are :
  1. Visitor visa or Tourist Visa
  2. International Student visa (F1 visa)
  3. J visa (exchange scholar visa)
  4. H1B work visa
  5. Fiancee visa

TokioMarine HCCMIS Covid19 travel insurance by Atlas Premium travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

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