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Atlas America Insurance

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Atlas America travel insurance for USA

Atlas America insurance is a 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.

WorldTrips
Administrator
WorldTrips
Atlas America insurance plan life
364 days
Atlas America insurance plan Underwriter
Underwritten by Lloyds, London.
Atlas America travel insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-

Atlas America Insurance plan related links


Advantages


Disadvantages

Plan highlights of Atlas America Insurance

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Eligibility to buy Atlas America insurance

Non-US Citizens traveling outside their home country.

TATA AIG travel insurance premium chart
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

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Deductible options?

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

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Atlas America insurance Coinsurance

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

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Plan benefits of WorldTrips Atlas America insurance

inpatient  In-Patient Medical Benefits
Hospital room and board? Average semi-private room rate, including nursing services.
Intensive care unit? Up to the overall maximum limit.
Hospital indemnity? $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
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 local ambulance? Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Emergency room co-payment 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.
Emergency dental treatment(acute onset of pain up to 72 hours)? Up to $300 (not subject to deductible or coinsurance).
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.
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.
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.
Terrorism? Up to $50,000 lifetime maximum for eligible medical expenses only.
Political evacuation? Up to $10,000 lifetime maximum (not subject to deductible or coinsurance).
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:

  1. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
  2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
  3. You must be under eighty (80) years of age;
  4. 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;
  5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
  6. You must be traveling outside your home country

Get quotes for Atlas Group Travel Insurance!

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Group of 5 or more travelers can compare and buy Atlas Group travel insurance 

Atlas America insurance - Acute Onset of Pre-Existing Conditions coverage

Atlas America visitor travel medical insurance is an effective coverage for visitors to USA. It also offers acute onset of pre-existing conditions coverage. This insurance is administered by WorldTrips

Atlas America Insurance - Common questions

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.

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

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.

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.

Get quotes for Atlas MultiTrip Travel Insurance!

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Travel insurance for multiple overseas trips 

Atlas Travel Insurance Restrictions

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.

WorldTrips Atlas International insurance Claims

claims

CLAIMS EMAIL

Email: service@worldtrips.com
Fax: (+1) 317-575-2256

CLAIMS PHONE

1-800-605-2282
For Outside U.S : (317)262-2132

MAIL TO

WorldTrips
251 North Illinois Street,
Suite 600, Indianapolis,
IN 46204

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