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Atlas America Insurance, Atlas America Travel Insurance

Atlas America insurance cost

Atlas America Insurance covid - Atlas America visitors insurance coverage for coronavirus.

Atlas America Covid 19 insurance provides coverage for coronavirus on eligible medical expenses resulting from COVID-19/SARS-CoV-2. Atlas america Coronavirus insurance eligible expenses are medically necessary expenses that are not subject to another plan exclusion

Atlas America Insurance
Atlas travel insurance underwriter
Underwritten by Lloyds, London.
Atlas America insurance rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Insurance provider
Tokio Marine HCC
Plan life
364 days
Deductible options?
$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.
Policy maximum?
Age 80+:$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

Atlas America Links

  • Brochures
  • Application
  • Example
  • Benefits
  • Advantages
  • Disadvantages
  • Comprehensive
  • ID card
  • Detailed description

Atlas America travel insurance for USA, Atlas travel insurance USA

Atlas America insurance is a travel medical insurance plan for visitors to the US. Atlas America visitors insurance is one of the few visitor insurance plans that waives co-insurance within the PPO network. It is an ideal visitor medical insurance for parents visiting USA and foreign tourists to the United States. This travel insurance is to take the risk out of international travel and includes coverage for Acts of Terrorism, complications of pregnancy and incidental trips home. Atlas America visitors insurance pre existing conditions coverage includes coverage for acute onset of pre-existing conditions up to the age of 79 years in the event of life threatening conditions. Travelers can get free Atlas America Quotes by filling the above form.

Tokio Marine HCC(HCCMIS) Atlas America travel insurance summary, Best travel insurance USA

Compare Atlas travel insurance plans
Atlas America insurance coinsurance?
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Atlas America travel insurance network
What is the eligibility to buy Atlas America visitors Insurance?
Atlas America travel medical insurance eligibility
Non-US Citizens traveling outside their home country


Atlas Travel insurance restrictions
The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.

Atlas America Travel Insurance, Atlas America Insurance Coronavirus - FAQ's

Does the Atlas America plan cover 100% outside PPO. Does it cover outside the United States and pay100% inside and outside PPO?

The Atlas America plan covers 100% of the expenses outside PPO. Yes, it provides worldwide coverage including and excluding USA.

The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.

Atlas America insurance plan benefits

Benefits Coverage
Hospital room and board Average semi-private room rate, including nursing services.
Intensive care unit Up to the overall maximum limit.
Emergency room co-payment Claims incurred in the U.S.- Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Claims incurred outside the U.S.- No co-payment.
Urgent care center co-payment Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S.- No co-payment.
Local Ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Benefit Period 90 days per certificate period.
Emergency Medical Evacuation $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Repatriation of remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
Return of minor children Up to $50,000 (not subject to deductible or coinsurance).
Emergency Reunion Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance).
Acute onset of pre-existing condition emergency medical evacuation Covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).
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)
Emergency dental (acute onset of pain) Up to $300 (not subject to deductible or coinsurance).
Accidental death & dismemberment Members under age 18: Up to $5,000 lifetime maximum.
Members age 18-69: Up to $25,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group.
Accidental death & dismemberment buy up: $25,000
Common carrier accidental death Up to $50,000 for ages 18 through 69
Up to $10,000 under age 18
Up to $25,000 for ages 70 through 74
Up to $12,500 for ages 75 and older
Maximum of $250,000 for any one family or group.
Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurrence (plan deductible is waived).
Lost checked luggage Up to $1000 (not subject to deductible or coinsurance).
Trip interruption Up to $10,000 (not subject to deductible or coinsurance).
Travel delay Up to $100 a day after a 12-hour delay period, maximum of 2 days.
Natural disaster Up to $250 a day for 5 days (not subject to deductible or coinsurance).
Political evacuation Up to $10,000 lifetime maximum (not subject to deductible or coinsurance).
Terrorism Up to $50,000 lifetime maximum for eligible medical expenses only.
Hospital indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Personal liability Up to $25,000 lifetime maximum
Up to $25,000 third person injury
Up to $25,000 third person property
Up to $2,500 related third person property
Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit)..
Lost or Stolen Passport/Travel Visa Up to $100 – not subject to deductible
Outpatient physical therapy and chiropractic care Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).
Pet return Up to $1,000 (not subject to deductible or coinsurance).
Bedside visit Up to $1,500 (not subject to deductible or coinsurance).
Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses) Up to $10,000 (not subject to deductible or overall maximum limit).
Border Entry Protection Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border(not subject to deductible).
Local Burial or Cremation Up to the overall maximum limit(not subject to deductible).

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Atlas America insurance - Provider network and how to find hospital or doctor?

Tokio Marine HCC maintains a wide network of health care providers. In US there are 2 options: First Health care network and United health care.

You need to check your insurance card to find any one of the below 2 logos:
First Health Care Provider NetworkUnited Healthcare Provider Network
  • If you are traveling within the U.S. and have First Health logo on your ID card then click here
  • If you are traveling within the U.S. and have United Healthcare logo on your ID card then click here

Outside US: Equian International Provider Network
Equian International Provider Network
If you are traveling outside the U.S. and have the Equian logo on your ID card, then click here
Find Provider Network

Atlas America Insurance - Common questions

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

Buying Atlas America Visitor insurance in California

Residents of California must note that Atlas America insurance Provider is not licensed by the State of California as the insurance provider is called “non admitted” or “surplus line”. This means that the insurance company does not participate in the insurance guarantee funds created by California Law and insured claims will not be paid by the funds if the insurance company is unable to pay as promised.

However the customer will face this risk only if the insurance company is financially unable to pay their liabilities and this depends on their financial stability. The financial stability of a company is reflected by the insurance provider rating and having an AM rating of “A” and above indicates that the company is very stable and able to settle customer claims. Tokio Marine HCC holds a financial strength rating of “A++” (Superior) by A.M. Best Company.
You can find other comprehensive visitor insurance plans : 

For more details see the :- Notice for California residents
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