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What is Atlas America travel insurance for USA?
Atlas America insurance is a comprehensive benefit 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 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. 79 years old turing 80 during the coverage period, Atlas America plan does not affect coverage as long plan is purchased at age 79. Travelers can get free Atlas America Quotes by filling the above form.
Atlas Travel is designed for global travelers seeking:
- Provides worldwide coverage including or excluding the US.
- Coverage for unexpected medical expenses, including COVID-19-related expenses
- Emergency Medical Evacuation benefit
- Supplemental travel benefits including Trip Interruption, Travel Delay, and Lost Checked Luggage.
After buying the plan, Traveler can get all the plan document and plan id card by using Atlas America login. At American Visitor Insurance, US Travelers can contact the Atlas America customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Reviews of Atlas insurance for US visitors
How much is Atlas America visitor insurance coverage?
The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Atlas America travel insurance. Once reached, no other benefits will be available. Atlas America travel insurance has policy maximum options for Age 80+: $10,000, for Age 65 to 79: $50,000, $100,000 and for all others: $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000.
What is a deductible in Atlas America travel insurance?
The deductible is the Dollar amount that insured travelers need to pay for coverage before the Atlas America travel insurance actually starts to pay. Atlas America travel has deductible options of of $0, $100, $250, $500, $1000, $2500, $5000.
Why should I buy Atlas America visitor insurance?
- Covers Acute onset of pre-existing condition up to policy maximum under age 80, Up to $25,000 lifetime maximum for Emergency Medical Evacuation
- Offers sports coverage for eligible injuries and illnesses that could occur while participating in vacation sports
- Emergency dental covered Up to $300
- Emergency medical evacuation covered up to $1,000,000 lifetime maximum
- Coverage for complications of pregnancy in the first 26 weeks of gestation.
- Urgent Care Clinic: $15 copay, waived for members with $0 deductible
- Optional add-ons like device protection for smartphones, tablets, and laptops.
- Access to United Healthcare's PPO network, for in-network ensuring lower costs and direct billing.
- Access multilingual travel assistance 365 days a year, with 24/7 emergency services.
- Atlas America plan is renewable up to 364 days and renewal needs to be done before the plan expires.
Who is eligible for Atlas America travel insurance plan?
- For non US citizens traveling outside their home country
- Parents visiting the USA
- Business professionals and temporary workers
- Exchange program participants and international students
- Available for ages 14 days to 79 years (with limited coverage beyond 80).
A 79-year-old turning 80 during the coverage period, the Atlas America plan does not affect coverage as long as the plan is purchased at age 79. The Atlas Series is not available to individuals who are physically located in New York, Maryland, Washington, Iran, Canada, or Australia at time of purchase. Additionally, travel to Iran is not eligible.
Access Quality Healthcare Abroad with Air Doctor
Atlas America policyholders now have the access to quality medical care through Air Doctor. Whether you're traveling for business, leisure, or family visits, Air Doctor ensure you have a quality medical care within covered areas.
- Two Free Doctor Visits per Policy: Policyholders are eligible for two doctor visits at no cost, with no upfront payment or claim filing required. Policies lasting more than six months include a third visit.
- Telehealth Services for U.S. Coverage: For Atlas America plans that include the U.S. coverage, Air Doctor are limited to telehealth (video) services. In-person visits can be accessed through the UnitedHealthcare PPO network. Through the Air Doctor app, policyholders can effortlessly connect with certified doctors, specialists, and healthcare providers worldwide.
Atlas insurance for us visitors - Add on benefits
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.Atlas America Insurance also provides optional buy-up coverage for the following:
What is the PPO network in Atlas America WorldTrips Insurance?
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by WorldTrips to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. Atlas America travel medical insurance PPO Network is United Healthcare network.
Atlas America - Does united healthcare cover US travel and how to find hospital or doctor?
When seeking treatment within the U.S., you may reduce your out-of-pocket costs by visiting a doctor within your preferred provider organization (PPO). A PPO is a network of hundreds of thousands of established, highly qualified medical practitioners and well-recognized hospitals in the U.S.
location_city Find Provider NetworkWhat is the Coinsurance in Atlas America health insurance?
Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met. If the insured receives treatment in the PPO Network, Atlas America health insurance pays 100% of eligible expenses after the deductible up to the overall maximum limit both in network and outside the PPO network.
How much does Atlas America health insurance cost per month?
The Atlas America insurance cost per month ranges between $50 to $444. This is dependent on the age of the traveler, the plan maximum and the deductible.
Understandably, the Atlas America health insurance cost is higher for older travellers as they are more likely to need healthcare while traveling. Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 64 years can choose maximum limits of $50,000, $100,000, $250,000 $500,000, $1,000,000, $2,000,000. Travelers aged 65 to 79 years can choose $50,000 or $100,000 coverage. For travelers above 80 years only $10,000 maximum coverage is available.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | $2,000,000 | |
| 18 - 29 years | $50 | $63 | $69 | $87 | $100 | $105 |
| 30 – 39 years | $60 | $81 | $94 | $101 | $111 | $117 |
| 40 – 49 years | $78 | $96 | $108 | $128 | $146 | $154 |
| 50 - 59 years | $131 | $161 | $200 | $225 | $248 | $261 |
| 60 - 64 years | $177 | $225 | $301 | $327 | $360 | $378 |
| 65 – 69 years | $206 | $258 | ||||
| 70 -79 years | $356 | $444 | ||||
*For senior travelers aged 80 to 99, the cost is $528, with a maximum coverage of $10,000 and a deductible of $250.
What are the benefits of Atlas America travel medical insurance plans?
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Hospital room and board help Average semi-private room rate, including nursing services. Intensive care unit help Up to the overall maximum limit. Hospital emergency room help Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room. Physician visits help Bedside visit up to $1500 not subject to deductible. Urgent Care Center Co-Payment help - 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.
Outpatient Physical Therapy and Chiropractic Care help Up to $50 maximum per day Emergency Dental help Up to $300 - not subject to deductible -
Emergency medical evacuation help $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. Repatriation of remains help Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. Terrorism help Up to $50,000 lifetime maximum, eligible medical expenses only Emergency local ambulance help Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Political Evacuation help Up to $100,000 lifetime maximum - not subject to deductible Return of minor children Up to $50,000 (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. Emergency reunion Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance) Natural disaster evacuation Up to $250 a day for 5 days (not subject to deductible or coinsurance). Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurrence (plan deductible is waived). 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).Local Burial or Cremation Up to $5000 lifetime maximum. Pet return Up to the maximum limit Seatbelt benefit Up to $1000 (not subject to deductible or coinsurance). Optional Crisis Response Rider with Natural Disaster Evacuation Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - 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). Lost or Stolen Passport/Travel Visa Up to $100 – not subject to deductible -
Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) help - Under Age 18: Lifetime maximum: $5,000
- Ages 18 Through 69: Lifetime maximum: $25,000
- Ages 70 Through 74: Lifetime maximum: $12,500
- Age 75 and Older: Lifetime maximum: $6,250
$250,000 maximum benefit any one family or group, not subject to deductible or overall maximum limit
Common Carrier Accidental Death help - Under Age 18: Lifetime maximum: $10,000
- Ages 18 Through 69: Lifetime maximum: $50,000
- Ages 70 Through 74: Lifetime maximum: $25,000
- Age 75 and Older: Lifetime maximum: $12,500
Subject to a maximum of $250,000 any one family or group, not subject to deductible or overall maximum limit
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Acute Onset of Pre-Existing Conditions help Covers up to overall maximum limit, under age 80. Pre-Existing condition medical evacuation Up to $25,000 lifetime maximum for Emergency Medical Evacuation General definition of pre-existing condition:"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).
Acute onset of pre-existing condition*:Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
- The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under eighty (80) years of age;
- You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
Note:Please review your policy documents for complete coverage details. The coverage amount shown here are based on the in-network benefits. Optional add-on benefits includes extra cost.
What optional benefits are included in Atlas medical insurance?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge. Atlas visitor insurance also provides optional buy-up coverage for the following:
How can I buy Atlas America travel Insurance?
- Complete your online application. If applying as a family, you may include yourself, your spouse, and your dependents on one application.
- Receive a fulfillment kit that includes an identification card, declaration of insurance, and a Certificate of Insurance outlining the details of the plan. Welcome to the WorldTrips family!
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How do I file a claim with Atlas America Insurance?
To file a claim with Atlas America health Insurance, follow these steps:
- Download the Claims Form: Access the Atlas America insurance claims form online.
- Atlas America travel insurance customer service: Call the toll-free number 1-800-605-2282 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: WorldTrips PO Box 240358 Apple Valley, MN 55124
- Email Assistance: For additional help or inquiries, email service@worldtrips.com.
Advantages and Disadvantages of Atlas America Insurance
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Atlas America Insurance Advantages
- Good comprehensive plan and very popular with tourists to the US because there is no coinsurance or cost after the deductible if you go within the PPO network of the company.
- This plan covers "acute onset of pre-existing condition" up to the age of 80.
- Offers sports coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports - at no additional cost.
- Atlas America recently added a $15 copay for urgent care (paid instead of the deductible, unless your deductible is $0, then you do not pay the copay either).
- It is a unique plan in offering coverage for complications of pregnancy in the first 26 weeks of gestation.
- It is ideal for people on OPT and H1 Visa holders who are already in the US for sometime.The issue with the OPT person or someone who has been in the US for some time is that many plans require to be bought within a certain time frame of your arrival into the US. Your last entry into the US is the one that counts in terms of eligibility for a new plan.
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Atlas America Insurance Disadvantages
- Only $10,000 maximum coverage for 80+ travelers.
Best comprehensive travel insurance for USA
Regards,
LibertyThank you for contacting us at American Visitor Insurance for your insurance needs!.
The Atlas America/Atlas Travel plan is a good comprehensive plan and very popular with tourists to the US because there is no coinsurance or cost after the deductible if you go within the PPO network of the company. This plan covers "acute onset of pre-existing condition" up to the age of 80.
There is an additional coverage available for adventure sports as well on this plan. They recently added a $15 copay for urgent care (paid instead of the deductible, unless your deductible is $0, then you do not pay the copay either). It is a unique plan in offering coverage for complications of pregnancy in the first 26 weeks of gestation.
This plan is good for people on OPT and H1 Visa holders who are already in the US for sometime. The issue with the OPT person or someone who has been in the US for some time is that many plans require to be bought within a certain time frame of your arrival into the US. Your last entry into the US is the one that counts in terms of eligibility for a new plan.
However, this plan does not restrict the purchase for this reason. This plan cannot be purchased from Canada, Australia and some US states (MD, WA, NY).
Atlas America
Feel free to call or email us with any questions or comments you may have.
We wish you and yours safe and happy travels!
Thanks,Customer support,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910
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Compare Atlas America insurance quotes »Atlas America travel health insurance - FAQ's
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International, Atlas Essential and Atlas MedEvac.
The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.
Yes, Atlas America insurance is a legitimate travel medical insurance plan offered by WorldTrips. It is underwritten by Lloyd's of London, a globally recognized and reputable insurance provider. The plan is popular among international travelers, offering comprehensive coverage for medical expenses, Emergency medical evacuation, trip interruptions, and more.
You can purchase Atlas America Travel Insurance. on American Visitor Insurance. For assistance with the application process call us at (877)-340-7910 and our licensed insurance agents will be happy to help!
The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
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.
Atlas America insurance pre existing conditions 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.
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 and Atlas America Premium are both visitor medical insurance plans offered by WorldTrips for travelers. The difference lies in the coverage and benefits.
- Atlas America: This plan offers comprehensive coverage for medical incidents, emergency treatments, political evacuations, repatriation of remains, trip interruptions, baggage loss, accidental death, and more. It includes coverage for acute onset of pre-existing conditions and has policy maximum options ranging from $50,000 to $2,000,000.
- Atlas America Premium: This is a high-end plan with similar core benefits like Atlas America but adds elite features like higher maximum coverage limits, no coinsurance requirement after the deductible, personal liability coverage, and higher dental coverage limits. It is tailored for discerning travelers seeking more extensive protection.
Atlas Travel does not provide any reimbursement if you must cancel your trip prior to departure. However, it does include a Trip Interruption benefit if you must end your trip early due to a covered reason.Note that Atlas Travel medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. It also provides more medical benefits with higher coverage limits than most travel insurance plans.
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 WorldTrips works ideally for visitors to the US applying for any of these visas.
Some of the common US visas are:
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Atlas Travel Insurance Exclusions
Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.
- Charges resulting directly or indirectly from any pre-existing condition, except as covered under the Acute Onset of Pre-Existing Condition benefit
- Routine medical examinations
- Routine pre-natal care, pregnancy, childbirth, and post-natal care
- Mental health disorders
- Medical expenses for injury or illness resulting from participation in specifically-excluded extreme sports see Description of Coverage for full list of excluded sports).
Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
- The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under eighty (80) years of age;
- You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
How do I buy 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. WorldTrips holds a financial strength rating of “A++” (Superior) by A.M. Best Company.
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