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Atlas America insurance reviews, Atlas America coronavirus insurance

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Atlas America Coronavirus travel insurance coverage

Atlas America 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.

Note: Atlas America insurance purchased on or after July 15, 2020 do NOT exclude COVID-19 medical charges.

Atlas America travel insurance review

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
  • Comprehensive
  • ID card
  • Detailed description

Atlas America travel insurance reviews

  • Offers Coverage up to a maximum $2,000,000.
  • Ideal for adventurers, vacationers travelling to USA, business professionals, missionaries and students studying in USA.
  • Offers Coverage for pre-existing conditions for travelers up to the age of 79 years.
A working example of using Atlas America travel insurance (Offered by Tokio Marine HCC) *
Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance : The plan pays 100%
  • Total medical expenses is $25,000
The Atlas America Insurance plan covers set amount up to a maximum of $50,000. The insured must pay the deductible ($100). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.

Atlas America Insurance

Atlas America Insurance

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $9,000 $0
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $25,000 $0
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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Advantages

Atlas America insurance review and advantages

  • Atlas America Covid19 travel insurance by TokioMarine HCCMIS for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
  • Comprehensive coverage plan with multiple PPO network providers (greater choice of hospitals and doctors).
  • Coverage for acute onset of Pre-Existing conditions up to $50,000 and $100,000 for medical expenses (based on the choosen plan maximum) and up to $25,000 for emergency medical evacuation for customers under the age of 70 years.
  • For the age group of 70-79 yrs $50,000 coverage available.
  • The plan pays 100% (No co-insurance) of medical expenses if the services are rendered within the PPO network inside the USA.
  • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
  • One time Deductible per certificate period.
  • Cancellation and refund of full premium before policy start date.
  • This Plan also covers Emergency Reunion, Return of Minor Children, Natural Disaster and Political Evacuation.
  • Atlas America automatically covers for all adevnture sports so long as it is not undertaken for professional gain, money, or prize.
  • A good option for people visiting the US who have been here for some time and do not have a current insurance coverage.
  • An ideal plan for travelers who are on OPT and H4 status.
Disadvantages

Atlas America Insurance Disadvantages

  • Can be renewed only up to one year. After one year customer has to buy a new plan.
  • Pre-existing coverage not available beyond 70 years.
  • Only $50,000 coverage for travelers between the ages of 71-79.
  • AD & D benefit is deleted during participation in sports activities.
  • Hospital precertification penalty- 50% of eligible medical expenses.

What are some insurance terms important in Atlas America Insurance reviews?

Know these important aspects of international visitor insurance for USA in Atlas America reviews:
  • Plan Maximum coverage of Atlas America travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum. Age 80 or older - $10,000; Age 65 to 79 - $50,000, $100,000.
  • What is a deductible in Atlas America visitors 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 offer a set of deductible options for the travelers to choose from. Atlas America insurance has a range of deductible option from $0 up to $5,000.
  • What is a provider network of Atlas America Medical 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.
  • What is coinsurance in Atlas America visitor insurance?
    This is a percentage of the bill that the travel has to pay. Atlas America plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Renewability of Atlas America Travel health 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.
  • Eligibility to buy Atlas America Insurance Online
    Atlas America Insurance is a popular US visitor insurance plan that offers 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.
  • Atlas America Pre-existing conditions Visitors Insurance for international travelers
    Atlas America insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years for acute onset of pre-existing conditions..

Atlas America Travel Insurance - Frequently asked questions about coverage for Coronavirus

TokioMarine HCCMIS Covid19 travel insurance by Atlas America 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.

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 Insurance 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.

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

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