Atlas Essential Travel Insurance

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Atlas Essential travel insurance review

Atlas Essential Insurance

Atlas Essential Insurance

Insurance provider
Tokio Marine HCC
Policy maximum?
Age 80+:$10,000.
Age 70 to 79:$50,000, $100,000 or $150,000.
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 per certificate period.
Atlas Essential insurance rating
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-
Atlas Essential insurance underwriter
Underwritten by Lloyds, London.

Atlas Essential travel Insurance for USA

Atlas Essential is for budget-conscious travelers, an Atlas Essential travel medical insurance policy provides coverage for the basic necessities as you travel outside of your home country.
Atlas Essential insurance has two plans:
  • Atlas Essential America insurance is ideal for visiting the US.
  • Atlas Essential International Insurance is ideal for traveling outside the US.
  • Benefits
  • Application
  • Example
  • Comprehensive
  • ID Card
  • Detailed description

Tokio Marine HCC(HCCMIS) Atlas Essential travel insurance summary

Atlas Essential insurance coinsurance?
  • 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.

Atlas Essential 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.
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Atlas Essential travel 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.
Local Ambulance Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient
Emergency Room Co-payment – claims incurred in U.S. You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.
Urgent Care Center – claims incurred in U.S. For each visit, you shall be responsible for a $15 co-payment, after which coinsurance will apply.
  • co-payment waived for members with a $0 deductible
  • not subject to deductible
Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only.
Emergency Medical Evacuation Up to $500,000 lifetime maximum, not subject to deductible or coinsurance
Repatriation of Remains Up to $25,000 lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limit).
Local Burial or Cremation Up to $5,000 lifetime maximum, not subject to deductible or coinsurance.

Atlas Essential 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 Network    United 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

Tokio Marine HCCMIS resourceful travel insurance links

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