Cover Your US Travels with Atlas America Insurance
Whether you’re traveling to the United States for work, school, or leisure, the experience should be safe, pleasant and stress-free. Of course, things can happen when you’re traveling the globe. Injuries and illnesses are facts of life. While it’s unlikely to happen, Atlas America Visitor Insurance can cover you just in case they do. That added peace of mind goes a long way towards ensuring safe travels—and less worrying.
Atlas America Visitor insurance is a comprehensive visitor health insurance policy providing medical insurance for visitors to the US. The policy covers unexpected injury and illness while you are traveling outside of your home country. If you have family or friends who are non-US citizens or residents and plan on visiting the US, Atlas health insurance is an affordable comprehensive visitor insurance policy that you can consider for them. Atlas America is Underwritten by Certain Underwriters at Lloyd’s of London and is rated A++ (Superior) by A.M. Best Company. The plan is administered by Tokio Marine HCCMIS.
Why Do You Need Visitor’s Insurance?
The Atlas America Plan provides dependable coverage for travelers of all ages. The plan is suitable for relatives and parents traveling to the USA, business professionals, nannies, international students, tourists, and more. You can trust Atlas America to provide the coverage you need to take the risk out of travel. Atlas overs hospital visits, emergency medical evacuation, acts of terrorism, natural disasters, and much more.
Many visitors assume that their day-to-day insurance will keep them covered while traveling overseas. However, many medical providers in the United States won’t accept foreign insurance plans. Stay covered with a plan that both American medical professionals and foreign visitors have come to know and trust.
Atlas Visitor Insurance Features and Benefits
Atlas America can be bought for a minimum of 5 days up to a maximum of 364 days. You may apply for a new period of coverage after 364 days.
Atlas America follows the First Health Network and the United Health Network. You are free to visit any provider (Doctor/Hospital/Urgent Care) in the US; however, if you go to the provider in these networks you will receive negotiated rates and direct billing when possible. You can review the benefits of the Atlas America plan for visitors to the US in the brochure.
The Atlas America plan offers a range of coverage, with choices ranging from $50,000 to $2 million for the policy maximum, as well as deductible choices of $0, $100, $200 up till $5,000. The policy includes the acute onset of preexisting condition benefits for people below 70 years of age.
When you apply for the Atlas America policy online you will be emailed the insurance documents (virtual ID card and Certificate ) emailed to the email address you provide on the application.
Range of Coverage
Atlas America provides coverage for accidents and sickness. Coverage includes emergency medical evacuation, repatriation of remains and accidental death & dismemberment. Based on the age, the plan offers coverage options from $50,000 to $2 million and has choices of deductibles from $0 to $5000.
Atlas America includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports – skiing and snowboarding (recreational downhill and/or cross country), snorkeling, water skiing, and others – at no additional cost. Certain extreme sports are excluded from coverage.
For ages under 80 years, Atlas America covers acute onset of a pre-existing condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation.
Your deductible is waived for an Urgent Care visit and you will pay a $15 co-pay.
Atlas Travel offers up to $25,000 (or up to $100,000 if additional coverage is selected) to offset Third-party injury; Damage/loss of a third party’s personal property; Damage/loss of a related third party’s personal property, which have been court-entered eligible judgments or approved settlements incurred by the member.
Complication of Pregnancy
Atlas Travel offers coverage for complications of pregnancy during the ﬁrst 26 weeks of gestation.
Injury or illness and per certificate period.
Age 80 or older: $10,000
Age 70 to 79: $50,000, $100,000, or $150,000
Younger than 70: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
Choice of deductible ranging from $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period.
Only non-US citizens who are at least 14 days of age are eligible for coverage under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $50,000 Overall Maximum.
No, pre-existing conditions are not covered under the policy. However, the Atlas America policy provides benefits for an acute onset of a pre-existing condition.
For Ages 70 to 79 years, the plan provides benefits for an acute onset of a preexisting condition up to the overall maximum limit or $100,000, whichever is lower and for members under age 70 years it provides up to the overall maximum limit.
A sudden and unexpected outbreak or recurrence of a pre-existing condition, which occurs spontaneously and without advance warning, either in the form of Physician recommendation or symptoms which would have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Atlas Travel can cover eligible medical expenses in the member’s home country for 90 days after the beginning of treatment so long as the related illness or injury began while the certificate was still in effect and treatment began while the member was outside their home country.
Incidental Home Country Coverage
For individuals with a home country other than the U.S., for every three-month period during which the member is covered by the policy, medical expenses incurred in the member’s home country are covered up to a maximum of 30 days.
Atlas Travel includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports – skiing and snowboarding (recreational downhill and/or cross country), snorkeling, water skiing, and others – at no additional cost. Certain extreme sports are excluded from coverage. You can review the complete list in the Sample Certificate
The Atlas America policy does follow a network. You are free to go to any doctor/hospital/Urgent Care in the area, however, if you do go to a provider in the network your coinsurance is waived. Based on the logo on your ID card, you can search for providers in the area at First Health Network or United Health Network
The application will need the name, date of birth, visitor’s address, passport country, and email address to send the insurance documents. If you do have the passport number, you can enter it. A valid credit card will be required to complete the purchase.
An email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording. You will need to create an account at the Client Zone to access all your documents.
After your initial purchase, you may extend your coverage (5-day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the deductible, nor will benefit limits be reset.
The deductible must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your deductible and pre-existing condition provisions.
Extensions or renewals must be made online in the Client Zone with payment by credit card.
Before the effective date of the policy: Full cancellation and refund will only be considered if the written request is received prior to the Effective Date of the coverage.
After the effective date of the policy: If the written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:
- a) If any claims have been filed, the Premium is fully earned and is non-refundable.
- b) If no claims have been filed with the Company, then a pro-rated refund is possible with a cancellation fee of US $25.
If you have paid for the bills upfront at the provider’s office or if you have paid for prescription drugs, you can follow the steps below to submit a claim.
It is a good practice to keep a copy of the entire Claims documents with you before you submit the Claims for processing.
- Download and complete the Claims Form/ Claimant Statement You will have to submit the Claimant statement even if you have not paid upfront to the provider
- Attach copies of all the pages of the passport
- Attach the itemized bills
- Submit the above within the stipulated time of 90 days after seeing the provider
- Follow up on your Claim by calling 1-800-605-2282 emailing firstname.lastname@example.org
Claims filing address and email:
HCC Medical Insurance Services
Attn: Claims Dept.
Box No. 2005
Farmington Hills, MI 48333-2005
Claims Number: 1-800-605-2282
Collect Calls Only: +1 (317) 262-2132