Atlas Premium Insurance for Visitors 

  • Who: Atlas Premium Insurance Plan is designed for US Citizens as well as non-U.S. Citizens who are at least 14 days of age traveling outside their home country. The Atlas Premium® America plan is available to parents and relatives visiting USA, business professionals, nannies, international students, foreign tourists, Exchange Scholars on J visas, and more. The Atlas Premium® International is available for coverage outside the US.
  • What: Provides visitors with medical accidents and illnesses coverage for in-patient as well as out-patient visits, coverage for emergency medical treatment, political evacuation, repatriation of remains, trip interruption, baggage loss, accidental death, and dismemberment, acts of terrorism, natural disasters, and more. 
  • Where: Non-US citizens can get coverage for their visits in the US or outside your home country. US citizens get coverage outside the US. 
 Atlas Premium Insurance

Why is Atlas Premium Insurance Good for Visitors?

Atlas Premium® Plan provides higher coverage limits during your international travel. You can build your plan by choosing your policy maximum and deductible providing you flexible coverage when you travel abroad.

Plan Benefits: The policy offers coverage for medical expenses due to illness and injury including hospitalization, surgery, prescription drugs, etc. up to a maximum of $2 million based on the age. The plan includes coverage for emergency reunion up to a maximum of $50,000, subject to a maximum of 15 days. Political evacuation is covered up to $ 25,000-lifetime maximum. Crisis Response- Ransom, Personal Belongings, Crisis Response Fees and Expenses, and Natural Disaster Evacuation are covered up to $100,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation. The plan also includes coverage for Terrorism up to $50,000 lifetime maximum, for eligible medical expenses only.  You can review the complete benefits in the Brochure.

Pre-existing: For members under the age of 80 years, Atlas Premium® covers acute onset of pre-existing conditions that are not chronic and congenital in nature. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation. 

PPO Hospital Network: Inside the US:  if you are a Non-US or Non-EU citizen/resident traveling in the US  you will use – United HealthCare PPO Network. If you are an EU citizen traveling in the US you will use – First Health Network

Outside the US: You may visit any provider you choose.  

Special Feature 1: Atlas Premium® includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports at no additional cost.

Special Feature 2: Includes medical coverage for eligible expenses related to COVID-19

Special Feature 3: Coverage for AD&D, Personal Liability Coverage, and Crisis Response coverage included.

usa health insurance for tourists

Coverage offered by Atlas Premium Insurance

The Atlas Premium® visitor medical insurance is a comprehensive visitor health insurance policy providing medical insurance for visitors to the US and outside their home country. The policy covers you while traveling outside your home country for unexpected injury and illness. You can choose from a range of coverage options from $50,000 to $2 million for the policy maximums, and deductible choices of $0, $100 up to $5,000. It can be bought from 5 days to a maximum of 364 days after which you can re-apply for the plan.

You can review the complete benefits in the Brochure.

It is ideal for:

  • Individuals interested in the best family coverage for parents, children, and themselves.
  • Tourists, adventure travelers, and vacationers interested in emergency medical benefits and supplemental travel-assistance benefits in the highest possible coverage amounts.

Plan coverage Highlights;

  • Insurance for hospitalization. Emergency Room, Office Visits, and Prescription Drugs for accidents and illnesses up to $2,000,000, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, personal liability, and AD&D.
  • COVID-19 is covered and treated as any other sickness
  • Coverage for an Acute Onset of a Pre-Existing Medical Condition
  • In network, Co-insurance waived
  • Coverage for 5 days to 364 days
  • $15 co-pay for Urgent Care
  • Optional AD&D, Personal Liability Coverage, Crisis Response coverage upgrade available 
  • Emergency Dental for an acute onset of pain
  • Emergency medical and political evacuation coverage
  • Repatriation of remains
  • Accidental death & dismemberment coverage
  • Crisis Response coverage included
  • Pet return
  • Natural Disaster – Replacement Accommodations

Benefits Atlas Premium Insurance Plan 

BenefitCoverage Amount up to 64 yearsCoverage Amount above 65-79 years 
In-patient HospitalFrom $50,000
to $2,000,000
From $50,000
to $100,000
Out-patient ClinicFrom $50,000
to $2,000,000
From $50,000
to $100,000
Doctor VisitFrom $50,000
to $2,000,000
From $50,000
to $100,000
Prescription DrugsFrom $50,000
to $2,000,000
From $50,000
to $100,000
For Ages 80+ maximum coverage is $20,000


Atlas Premium Insurance Cost

The pricing is dependent on the following factors: The higher the plan limit, age, or coverage days, the higher will be the premium. If you add any optional coverage the premium will increase. Your premium reduces if you opt for a higher deductible.  

Plan Limit: You can choose from various options for the overall maximum limits. Plan offers different overall maximum limits for different age groups. For ages 80 or older the limit is $20,000; while for ages 70 to 79 you can choose from $50,000 or $100,000. For all other ages you can choose from $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000.

Deductible Amount: You can choose deductible from $ $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period. 

Age: Plan is available for ages 14 days to above 80 years. 

Coverage Days: Coverage provided under this plan is for a maximum duration of 364 days. 

Atlas Premium® America Plan Price Table 

AgePolicy Max Limit
Policy Max Limit
From 50 to 59
From 60 to 64

From 65 to 69
From 70 to 79
Approx Premium based on a $250 deductible for 31 days


FAQ: How does Atlas Premium® Plan work?

U.S. Citizens and Non-U.S. Citizens who are at least 14 days of age are eligible for coverage outside of their home countries, except as provided under home country coverage. U.S. Citizens and residents are not eligible for coverage within the U.S, except as provided under home country coverage or an eligible benefit period. Individuals age 65 to 79 as of the certificate effective date are subject to a $100,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $20,000 overall maximum limit.

This policy does not cover pre-existing conditions. However, the acute onset of a pre-existing condition is covered for plan participants.

Atlas Premium® Insurance covers charges for a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which:

a. Occurs when you are under age 80; and
b. Occurs spontaneously and without advance warning either in the form of physician
recommendations or symptoms; and
c. Is of short duration; and
d. Is rapidly progressive; and
e. Requires urgent care.

Acute Onset of Pre-Existing Condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.

The Atlas Travel 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.

  • Inside the US:
    • If you are a Non-US or Non-EU citizen/resident traveling in the US  you will use – United HealthCare PPO Network.
    • If you are an EU citizen traveling in the US you will use – First Health Network
  • Outside the US: You may visit any provider you choose.

Atlas Premium® Plan includes coverage for taking part in amateur/non-professional sports and activities unless it is excluded. Coverage is for recreational purposes incidental to a trip. You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets, etc.) are worn at all times.

You can review the Certificate for a list of exclusions.

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.

Once the application is submitted, 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.

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.

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


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


For emergency assistance you can call:
Toll-free: 1-800-605-2282
Collect Calls Only: +1 (317) 262-2132

Atlas Travel 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.

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