Atlas America Insurance for Visiting USA, BEST Pre Existing conditions Travel Insurance Coverage.

Atlas America health insurance review, Atlas medical insurance

Administrator
WorldTrips

Atlas America insurance plan life
364 days

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

Deductible options

$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.

Atlas America insurance plan Underwriter
Underwritten by Lloyds, London.

Atlas America travel insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-

Eligibility to buy Atlas America insurance

Non-US Citizens traveling outside their home country.

Atlas America insurance Coinsurance
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Atlas America Medical insurance plan related links

Atlas Travel Insurance Brochure Links
View Patriot America Lite insurance brochures in different languages:

English

Chinese

Japanese

Portuguese

Spanish
Application
Advantages of Patriot America Lite
Atlas America travel insurance by WorldTrips will cover eligible medical expenses resulting from COVID-19.

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.

Comprehensive coverage plan with multiple PPO network providers (greater choice of hospitals and doctors).

Coverage for acute onset of Pre-Existing conditions up to $25,000 for emergency medical evacuation for customers under the age of 79 years.

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 adventure sports so long as it is not undertaken for professional gain, money, or prize.

Optional Rider: Extra $50,000 coverage for AD&D at an additional price
Disadvantages of Patriot America Lite
Can be renewed only up to 364 days. After one year customer has to buy a new plan. With a new plan, the pre-existing lookback period resets

Acute onset of Pre-existing coverage** not available beyond 70 years.
ID card
Description
Example
Comprehensive plan
The plan pays for all eligible expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Atlas America Visitor Insurance - Key Highlights

This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
This plan is available to both Non-US citizens and US citizens traveling outside their home country.
The deductible options for this plan are $0, $100, $250, $500, $1k, $2500 and $5k per Certificate period.
The policy maximum options available with this plan are $50k, $100k,250k, $500k, $1000k or $2000k for people up to the age of 65 For people in the age range of 65 to 79, the options are $50k and $100k and for people above 80 the only option is $10k.
You will be eligible for coverage of acute onset of pre-existing conditions if you are younger than 80 and all the conditions mentioned in the brochure are met. This includes a $25k lifetime maximum for emergency medical evacuation.
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.
Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible. For claims outside the US, there is no co-payment.
Trip Interruption coverage available for upto $10k not subject to deductible
Travel Delay coverage is available for upto $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
Lost checked luggage up to $1k - not subject to deductible.
Political Evacuation available up to $100k lifetime maximum not subject to deductible.
Bedside visit up to $1500 not subject to deductible.
Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10k per member, from age 18 to 69 - $50k per member, age 70 to 74 - $25k and for age 75+ $12,500.
Emergency Medical Evacuation is covered for $1000k lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Atlas America Insurance cost for seniors per month in USA

The cost of WorldTrips Atlas America insurance for seniors is dependent on the following factors the age of the traveler,the plan maximum and the deductible.

The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k,$250K, $500k, $1M,$2M depending on the age of traveller up to age of 64. $50k and $100k coverage is available for people age 65 to 79 years. For above 80 years $10,000 is available.

For Example here we are showing price for one month with deductible of $100.

Age of traveler	Maximum of $50K	Maximum of $100K	Maximum of $10K
60 - 69 years	$249	$315	Not Available
70 - 79 years	$390	$492	Not Available
80 - 99 years	Not Available	Not Available	$579

Plan benefits of Atlas America insurance

In-Patient Medical Benefits

Intensive care unit	Up to the overall maximum limit.
Hospital indemnity	$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Hospital room and board	Average semi-private room rate, including nursing services.

Out-Patient Medical Benefits

Urgent care center co-payment	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	Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance)

Emergency Services

Emergency local ambulance	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Emergency room	Claims incurred in the U.S. - Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury) Claims incurred outside the U.S. - No co-payment.

Dental

Emergency dental treatment(acute onset of pain up to 72 hours)	Up to $300 (not subject to deductible or coinsurance).

Evacuation

Emergency medical evacuation	$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Repatriation of remains	Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
Return of minor children	Up to $50,000 (not subject to deductible or coinsurance).
Emergency Reunion	Up to $100,000, maximum of 15 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).
Natural disaster	Up to $250 a day for 5 days (not subject to deductible or coinsurance).
Lost checked luggage	Up to $1000 (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.

Life

Accidental death & dismemberment	Members under age 18: Up to $5,000 lifetime maximum. Members age 18-69: Up to $25,000 lifetime maximum. Members age 70-74: Up to $12,500 lifetime maximum. Members age 75 and older: Up to $6,250 lifetime maximum. $250,000 maximum benefit any one family or group. Accidental death & dismemberment buy up : $25,000
Common carrier accidental death	Up to $50,000 for ages 18 through 69 Up to $10,000 under age 18 Up to $25,000 for ages 70 through 74 Up to $12,500 for ages 75 and older Maximum of $250,000 for any one family or group.

Pre-exisiting conditions

Acute Onset of Pre-Existing Conditions**	Under age 70: Covers up to overall maximum limit. Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
Acute onset of pre-existing condition emergency medical evacuation	Covers up to $25,000 lifetime maximum.

Trip Protection

Terrorism	Up to $50,000 lifetime maximum for eligible medical expenses only.

Other Benefits

Benefit Period	90 days per certificate period.
Lost or Stolen Passport/Travel Visa	Up to $100 – not subject to deductible
Pet return	Up to $1,000 (not subject to deductible or coinsurance).
Bedside visit	Up to $1,500 (not subject to deductible or coinsurance).
Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses)	Up to $10,000 (not subject to deductible or overall maximum limit).
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).
Local Burial or Cremation	Up to $5,000 lifetime maximum.
Covid-19 Coverage	Includes medical coverage for eligible expenses related to Covid-19
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)..

Atlas America - Acute onset of pre-existing condition coverage

Atlas America visitors 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. Travelers can get free Atlas America Quotes by filling the above form.

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

Travel Insurance for travelers with Pre-Existing Conditions

Here are some tips for buying pre-existing conditions travel insurance:

Choose a travel health insurance with pre-existing conditions coverage.
Review the policy carefully to understand what is covered and what is not.
Be aware of any waiting period for coverage of pre-existing conditions.
Consider buying a visitors travel insurance policy with higher coverage limits.
Keep a copy of your medical records and list of medications with you when traveling.
Ensure that you carry your medical prescription and medicines during your trip.
Be well informed about accessing emergency medical care in your destination.
Contact your visitors insurance provider immediately in case of any medical emergency.
Disclose all pre-existing conditions when buying visitors health insurance.
Follow all necessary procedures to file a claim for reimbursement of medical expenses.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

Pre-existing conditions coverage - FAQ's

What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

Do WorldTrips travel insurance plans really cover pre-existing conditions?

Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.

Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

How do I know if my pre-existing condition is covered by travel insurance?

Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.

Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

WorldTrips’s Atlas America and Atlas premium insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.

These Acute on set of pre-existing condition excludes the following conditions

Chronic condition or congenital condition
Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence
Traveler must not be traveling against the recommendations of 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

Atlas America Insurance - Common questions

Can international travelers buy Atlas America insurance who are already in USA for quite some time?

Yes, Atlas America insurance is also designed for visitors to US who are already USA for some time and do not have a current insurance coverage. It is also available for international students who are on the OPT status, H1B visa holders and for Spouses of H1B visa holders on the H4 visa status.

Can I renew my Atlas America travel insurance coverage if I want to extend my duration of stay in USA?

Yes, International travelers in USA who had initially bought for less than 364 days can renew Atlas America Insurance online up to 364 days.

Does Atlas America medical insurance cover pre-existing conditions?

Atlas America Insurance that 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.

How does Atlas America insurance offer coverage for medical expenses?

Atlas America insurance offers comprehensive coverage for travelers 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”. 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.

Buying 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.

You can find other comprehensive visitor insurance plans

For more details see the :-

Notice for California residents

US Travel Insurance

Atlas America Travel Insurance

Quotes for Atlas America insurance cost

Atlas America

Atlas America health insurance review, Atlas medical insurance

Atlas America Medical insurance plan related links

Atlas America Visitor Insurance - Key Highlights

Atlas America insurance links

Atlas America Insurance cost for seniors per month in USA

Plan benefits of Atlas America insurance

Atlas America - Acute onset of pre-existing condition coverage

Travel Insurance for travelers with Pre-Existing Conditions

WorldTrips acute onset of Pre-existing conditions travel insurance coverage

Why is travel health insurance for pre-existing conditions coverage important?

How does travel insurance for acute onset of pre-existing conditions work?

What are the factors for visitors insurance with pre-existing conditions coverage?

Pre-existing conditions coverage - FAQ's

Atlas America Insurance - Common questions

Buying Atlas America Visitor insurance in California

Atlas Travel Insurance Restrictions

WorldTrips Atlas International insurance Claims

CLAIMS EMAIL

CLAIMS PHONE

MAIL TO

CLAIMS FORM

Compare quotes of Atlas America plan with other insurance plans:

WorldTrips travel insurance Links