Atlas Travel® Insurance for Visitors
- Who: Available to US citizens and Non-US Citizens at least 14 days of age who are traveling outside their home country. The Atlas America plan is available to parents and relatives visiting USA, business professionals, nannies, international students, foreign tourists, Exchange Scholars on J visas, and more.
- 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, accidental death, and dismemberment, acts of terrorism, natural disasters, and more.
- Where: Atlas Travel® provides coverage outside the home country. Atlas America provides coverage to Non-US citizens needing coverage in the US while Atlas International provides coverage to US citizens as well as non-US citizens needing coverage outside US.
Why is Atlas Travel® Insurance Good for Visitors?
With Atlas Travel®, you build your plan by choosing your policy maximum and deductible providing you flexible coverage when you travel abroad.
Plan Benefits: Coverage for Medical illnesses and injuries for in-patient and out-patient treatment as well as Urgent Care. Additional benefits include treatment of complications of pregnancy for the first 26 weeks of Pregnancy, Acute onset of a pre-existing condition as well as AD&D, Trip Interruption, Lost Checked luggage, Repatriation, and more. Choose Deductible options from $0 to $5,000. You can review the complete benefits in the Brochure.
Pre-existing: For members under the age of 80 years, Atlas Travel® covers acute onset of pre-existing conditions that are not chronic and congenital in nature.
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 Travel® 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: Optional coverage for AD&D, Personal Liability Coverage and Crisis Response coverage
What Coverage and Benefits are Offered by Atlas Travel®
The Atlas Travel® Visitor Insurance is a comprehensive visitor health insurance policy providing medical insurance for visitors to the US and outside their home country. The policy covers unexpected injury and illness while you are traveling outside of your home country. It can be bought from 5 days to a maximum of 364 days after which you can re-apply for the plan. 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 till $5,000.
You can review the complete benefits in the Brochure.
- 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
Benefits for Atlas Travel®
|Benefit||Coverage Amount up to 64 years||Coverage Amount for 65 -79 years|
|In-patient Hospital||From $50,000|
|Out-patient Clinic||From $50,000|
|Doctor Visit||From $50,000|
|Prescription Drugs||From $50,000|
What is the Price or Cost of Atlas Travel®
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. For ages 80 or older the limit is $10,000; while for ages 65 to 79 you can choose from $50,000 or $100,000. For ages under 65years 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.
Age: Plan is available for ages 14 days to above 80 years.
Coverage Days: Premium is based on a daily rate, hence more the number of days, higher will be the premium. Atlas Travel can be bought for a minimum of 5 days up to a maximum of 364 days.
Optional Coverage Benefits Riders: The following riders can be added at an additional premium:
Optional Accidental Death & Dismemberment Rider (only available to members age 18 through age 69): Lifetime Maximum – $25,000
Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage: $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation
Optional Personal Liability Rider: of up to $75,000 Lifetime max.
Atlas Travel® Plan Price Table
|Age||Policy Max Limit $50,000||Policy Max Limit $100,000|
|From 50 to 59 years||$122||$154|
|From 60 to 64 years||$153||$200|
|From 65 to 69 years||$173||$221|
|From 70 to 79 years||$259||$331|
FAQ: How does Atlas Travel® Insurance Plan work?
Atlas America – 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.
Atlas International – Only US Citizens and non-US citizens whose travel does not include the continental US, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands, except US citizens whose travel includes an Incidental Trip to the US, and 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.
Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.
No, pre-existing conditions are not covered under the policy. However, Atlas Travel® provides benefits for acute onset of pre-existing conditions that are not chronic and congenital in nature.
For Ages 70 to 79 years, the plan provides benefits for an acute onset of a pre-existing 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.
An acute onset of a pre-existing condition is 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 recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications, or consequences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage.
Atlas Travel® can offer medical expense coverage in the home country in the following situations:
Benefit Period – In the event, a Member begins a Benefit Period while the Certificate is in effect, and the Certificate terminates because the Member returns to his/her Home Country, Underwriters will pay Eligible Medical Expenses, as defined herein, which are incurred in the Member’s Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses related to the Injury or Illness that began while the certificate was in effect.
Incidental Home Country Coverage – For U.S. Citizens, for every three month period during which the Member is covered hereunder, Medical Expenses incurred in the US are covered up to a maximum of 15 days for any three months. For Non-U.S. Citizens, for every three month period during which the Member is covered hereunder, Medical Expenses incurred in the member’s home country are covered up to a maximum of 30 days for any three month period. Any benefit accrued under a single 3 month period does not accumulate to another period. Failure of the member to continue his or her international trip or the members return to their home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.
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.
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 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 email@example.com
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:
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.
Reviews of Atlas America Insurance for US Visitors
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I purchased this plan for my mom when she was visiting last year. The application was straight forward online and we received the confirmation immediately. I purchased this plan because of the acute onset of pre existing conditions coverage. Fortunately, we did not have to use the insurance during this trip. We will be buying this insurance again for her next trip.
I purchased this plan for few months while I was visiting my children in the US. Unfortunately, I cut my finger quite badly in the kitchen; it was a bad cut and I had to get some help immediately.
I sought help at Patient’s First Urgent Care Center and gave the office-lady my Atlas America insurance ID card. After a little bit of a wait a Doctor & Nurse took care of my cut finger. There were no stitches but the wound was secured with a bandage along with a tetanus shot.
In about 3 weeks the insurance company had paid off the Patient’s First Urgent Card charges; and I was sent a bill for the deductible amount of $250 that I paid off. Fortunately, I did not have to use the insurance again.
Atlas provides good benefits. We especially liked the acute on set of preexisting benefit and the 100% coverage after deductible if you go to a doctor in the network. The application process was straight forward. I also received the confirmation right away and was able to download and print the documents including the ID Cards. Customer Service answered all my questions as well. Good plan to purchase.