Atlas Travel Coverage Query Policy Forum

Atlas Travel insurance cost

Atlas America physician visit benefit details
questionHi,
I have a question. In the Atlas plan brochure what is the difference between Physician visit and Consulting physician?
Thanks,
Prapti

questionDear Prapti,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!.
A physician visit is going and seeing a doctor at his office where as a consulting physician would be in a hospital situation where a doctor comes to you and works on you.
It is something similar to the difference between “Outpatient” and “Inpatient”. ‘Inpatient’ is while admitted to a hospital and ‘Outpatient’ could be at a hospital for some test or at a doctor’s office or specialty office while not being a hospitalized patient.

Atlas America Plan Details Buy Now Brochure

Hope this helps!

Please let us know if you need anything further.

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
Thank you for your prompt response on the plans suitable for pre existing conditions. I am interested in buying the Atlas plan but I have some questions.
It is clear the meaning of "acute onset of a pre existing condition". But I have a doubt about pre existing condition.
For example: My husband has an aorta surgery on 2012. Is this a pre-existing condition? Considering it was on 2012 on in some plans you mention that a pre existing condition has to refer an event happened two year or three year ago. Could you please, explain a little more about this issue?
Looking forward to hearing you soon.
Viviana

questionDear Viviana,
If the look back period for pre existing condition is 2 years and the event has occurred before that then it is not a pre existing condition.
But if the person is still on medication for this condition then it is still considered a pre existing condition. However, the company Worldtrips who is the insurer of Atlas plan exclude coverage for chronic illnesses. Heart condition are generally chronic and does not go away. In your situation it will be a pre existing condition.
Here are the plan details for the Atlas America plan:

Atlas America Plan Details Buy Now

Please let us know if we can help you any further

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I want to buy an atlas insurance but there is no information, If I need to use insurance how I can use that? Second I look at some doctors but there is no any name about atlas insurance or any insurance in your site, so how I can use it, because of this information so I must pay my cost independently. Please answer me as soon as possible.
Thank you,
Hossein

questionDear Hossein,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!.
Atlas Insurance is from the Insurance Company WorldTrips. Please see our product page here Product Details. Here you will find US PPO blue button on top.
I have pasted the link directly for you PPO Network
Here you can find the doctors near your area by entering your zipcode.
The name of the PPO network for this insurance is called "Coventry Healthcare".
Remember to mention this name when you visit a doctor.
Details on Atlas Insurance is available: Product Details
Regarding paying the claims it is dependent on the provider. Sometimes they might directly call the Insurance Company or else you will have to make the payment first and get it reimbursed from the company by filling their claim form. Claim forms are available here: Claims
You need to download the form, fill it and scan it with the receipts and send it to the Insurance Company over email to service@worldtrips.com
Here is the BUY link for Atlas Insurance for your reference: Buy Atlas America Insurance
Please let us know if we can help you in any further.

Fill in the information requested, hit 'Get Quote' and you will be able to get quotes of eligible policies. Along with comparing quotes, you can review the detailed plan brochure as well as purchase the selected policy online.

To understand the difference between the fixed and comprehensive plans, please refer to - Fixed vs Comprehensive coverage
If you have any further questions about a plan or if you need help making a purchase online please call us at 877-340-7910.

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I currently have Atlas International Policy E91107720 which is valid to 30 Jan 2015. At that time I will still be 69 years old and I would like to renew the policy for one year. On 03 Jul 2015 I will turn 70. My question is: if I renew the policy while I am still 69 and turn 70 during the policy period, will the amount of coverage (currently $500,000) remain the same when I turn 70 in the middle of what would be the then existing policy period? Please advise!
Thanks,
Joseph

questionDear Joseph,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!. The member will have the maximum benefit options that correspond to their age at the time the policy goes into effect.
So , you would maintain that level of coverage throughout the length of the certificate period even though you turn 70 during the certificate period.
Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
Can A person buy Travel Insurance who is already in USA for more then 6 months.
Thank you,
Ranjit Singh Grewal

questionDear Ranjit,
Yes, you certainly can. Some policies do not allow it for persons over 65 years of age. However, one always will allow and it is a good comprehensive plan.
It's Atlas America, I will put links or it below:

Atlas America Plan Details Buy Now Brochure

To search for providers in their PPO network (you do not have to pay coinsurance which can be up to $1000 if you stay within their PPO network): WorldTrips PPO Network

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi American Visitor Insurance team,
I want to know if Atlas policy from WorldTrips covers the following:
1. Does this policy provide sports coverage for martial arts like Aikedo?
2. Can you please elaborate on precertification process related to hospitalization?
3. Does claim forms need to be submitted every time and how can it be paid?
4. I am assuming that this policy covers doctor visits but not routine check ups?
Thanks for your input!
Carla Romero

questionHi Carla,
Below are the answers to your questions :
Does this policy provide sports coverage for martial arts like Aikedo? Martial Arts is excluded in Atlas policy. Please see the Atlas sports exclusion in the brochure: Brochure
Can you please elaborate on precertification process related to hospitalization?
The following expenses must always be Pre-certified:
  Inpatient care
  Any Surgery or Surgical Procedure
  Care in an Extended Care Facility
  Home Nursing Care
  Durable Medical Equipment
  Artificial limbs
  Computerized Tomography (CAT Scan)
  Magnetic Resonance Imaging (MRI)

To comply with the Pre-certification requirements, the Member must:
1. Contact the Plan Administrator at the telephone number contained in the Member’s Certificate as soon as possible before the expense is to be incurred; and
2. Comply with the instructions of the Plan Administrator and submit any information or documents they require; and
3. Notify all Physicians, Hospitals and other providers that this insurance contains Pre-certification requirements and ask them to fully cooperate with the Plan Administrator.

If the Member complies with the Pre-certification requirements, and the expenses are Pre-certified, Underwriters will pay Eligible Medical Expenses subject to all terms, conditions, provisions and exclusions herein. If the Member does not comply with the Pre-certification requirements or if the expenses are not Pre-certified:
1. Eligible Medical Expenses will be reduced by 50%; and
2. The Deductible will be subtracted from the remaining amount; and
3. The Coinsurance will be applied

Does claim forms need to be submitted every time and how can it be paid?
A claims form must be submitted for each diagnosis. For example if a member breaks an arm, they submit a claims form and accident questionnaire with bills / receipts. If they have follow up treatment for that same injury, they do not need to complete and submit a new claims form. If we can arrange direct billing with the facility, we pay the facility directly. If the member has to pay upfront for the services, we will provide a reimbursement directly to the member for eligible expenses.

I am assuming that this policy covers doctor visits but not routine check ups? Correct

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
If I purchase the insurance plan now, I think "Insurance Identification Card" couldn't reach me before my leaving.
How can I proof the health insurance while entering?
How can I know the plan purchased is valid at San Marcos? and which includes hospitals or doctors i.e can I go to any doctor or hospital?

Sincerely yours,
Esra

questionDear Esra,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! :

1. We are unable to see the ages being reversed as you have stated.
HOWEVER, when you fill in the actual application form this will not happen.

2. TIMING: You can have all the information sent to an email address so that you can down load the information anywhere.

3. San Marcos - Our plans are valid all across the United States of America.

HOWEVER - not all plans are open to J1 visa holders. Below is a sample of a plan that is definitely available to J1 visa holders:
To view a plan brochure please click on this link:

Atlas America Plan Details Buy Now     Brochure

BEFORE you buy the plan we also suggest that you find out if your University has any additional requirements OR if the insurance company has to sign a Waiver form.

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I am planning to travel with my partner from Spain to New York and Boston in September.
I tried to fulfill the application to get the medical insurance, but I cannot select United States as a destination country because it does not appear in the list. Could you tell me if there is another way to do it or if I am doing something incorrectly?

Thanks,
Lete

questionDear Lete,
When you begin the application, it asks if the US or US territories will be your destination country. You must answer YES to this question. Also, if you have an issue, close out your browser and try again. The site is a little quirky and sometimes just doesn't work even if you did do that.
Here's the link:

Atlas America     Plan Details     Buy Now     Brochure

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
Good afternoon, Our organization in the United States will be potentially hosting a group of exchange students (35-43 participants, ages 15-18) from Africa next year for a (3-4) week period.
The State Department requires the following insurance for the participants of this exchange:
Exchange program regulations require that all J-l visa holders carry health and accident insurance. At a minimum, insurance must provide the following benefits:
1. medical coverage of at least $50,000 per person per accident or illness;
2. repatriation of remains in the amount of $7,500; and
3. medical evacuation benefits of at least $10,000.
In addition, a qualified insurance program shall not have a deductible that exceeds $500 and it must meet other technical standards as specified in the regulations (22 CFR Part 514). This coverage is not intended to replace any insurance a participant may already have. Instead, the intent is to supplement existing coverage and to ensure that a participants basic health is protected in a foreign country.
Can you please provide a quote for us?

Thank you,
Courtney Hawthorne

questionDear Courtney,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!. For J1 visa requirements we would suggest the purchase of the Atlas America policy. It is likely that you will need to purchase individual policies for each student due to the J1 visa requirements.
Please find the plan details below:

Atlas America     Plan Details     Buy Now     Brochure

If you have any further questions about a plan or if you need help making a purchase online please call me at 877-340-7910.
Thank you for providing us an opportunity to be of service to you!

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I am a German who is resident in Australia (studying here). As I am going on a vacation to Thailand next week, I am looking for a travel insurance. I found Atlas Travel and wanted to double check whether I am eligible to effect it (as non US citizen)!
Thank you,
Nico

questionDear Nico,
The Atlas policy is an excellent choice. It will work for anyone traveling outside their home country (where they have a residence or citizenship). You will pay with a credit card, so just make sure the billing address matches the card you use.
Here are the links for your convenience:

Atlas America     Plan Details     Buy Now Brochure

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I would like to apply for Atlas Health insurance for myself and my family.
Will I receive a certificate by email or by post? For me it is better to receive it online, because we are leaving to US very soon, and I assume we will not receive post to my home address during the remaining period of time due to holidays for New Year.
Could you please clarify this for me?
Thank you in advance
Andrey Demchenko

questionDear Andrey,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!.
On purchasing the Atlas policy, you will receive the policy documents by email, and will always have the ability to download your policy document with a secure login facility.
You can also have the policy mailed to your physical address, either before you leave Russia or to an address in the US.
You can purchase the Atlas policy online at -

Atlas America Plan Details Buy Now Brochure

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
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Frequently asked questions

There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance. A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs.

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies. The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19 ... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

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Forum Entries x
  1. Visitors Insurance Forum
    1. Travel Insurance
    2. US citizens visiting USA
    3. US citizens travelling outside USA
    4. Pre Existing Conditions
    5. Coverage for Australians
    6. Senior Citizens
    7. Family
    8. Maternity
    9. Atlas Travel Policy
    10. Patriot Travel Policy
    11. Liaison Travel
    12. How an insurance plan works?
    13. FAQs Forum
  2. Student Insurance Forum
    1. Student Secure Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Student Health Advantage
    5. OPT Insurance
    6. F2 Visa Insurance
  3. Adventure Sports Coverage
    1. Motorcross Coverage
  4. J1 Visa Insurance Forum
    1. J2 Visa Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Family
    5. Maternity
    6. Evacuation-Repatriation Insurance
    7. University Insurance
  5. H1/H4 Visa Insurance Forum
  6. K1 Visa Insurance Forum
  7. International Health Insurance Forum
  8. Green Card Holders
  9. Schengen Visa Insurance Forum
  10. Insurance Cancellation Forum
  11. Insurance Clarification Forum
    1. Buying Insurance
    2. Coverage
    3. Renewal
  12. Direct Billing & Claims Forum
  13. Safe Travel Forum
  14. Visitor Insurance FAQs
  15. Visitor Insurance Blogs
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