Get Quote

Atlas America is a visitor's health insurance plan for non-U.S. citizens and non-U.S. residents traveling outside their home country and whose travel plans include the U.S. Atlas America is a comprehensive coverage plan, coverage includes the United States. The plan is suitable for parents visiting their children in the USA, Temporary workers and business visitors, USA tourists and leisure travelers, International students, and exchange program participants. The plan is available for any duration, from 5 days to 364 days, and can be purchased online. The minimum age for coverage is 14 days old. The plan offers policy maximums from $50,000 to $2,000,000, and deductible options from $0 to $5,000. You can build your plan by choosing your deductible, coverage length, and overall maximum coverage. Atlas America covers 100% of eligible expenses, after the deductible up to the overall maximum limit as you travel throughout the U.S. and abroad. The plan offers flexibility in terms of coverage duration, deductibles, and policy maximums. It provides instant quotes. and purchase options. It also participates in the United Healthcare PPO network, allowing access to a wide network of physicians, hospitals, and other providers across the USA. The plan meets the requirements of the J-1 visa for work and study based exchange programs in the United States. The plan offers a range of benefits, including coverage for medical expenses, emergency medical evacuation, and other travel benefits. Additionally, it covers COVID-19, just like any other eligible medical condition that occurs after the effective date of the policy. You also have the option to increase your key benefits at purchase. Also option to add up to $2,000 of device protection for smartphones, tablets, and laptops. The plan also offers coverage for acute onset of pre-existing conditions for individuals below 80 years of age. Atlas America is underwritten by Lloyd's of London and is rated A "Excellent" by A.M. Best, the oldest and largest insurance market in the world. The plan is administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group).

Key Highlights:

  • Offers Acute Onset of Pre-Existing Conditions coverage
  • Overall Maximum Limit Up to $2,000,000
  • Coinsurance 100% of eligible expenses, after the deductible up to the overall maximum limit
  • Emergency Medical Evacuation Up to $1,000,000
  • Emergency Reunion Up to $1,000,000
  • Political Evacuation Up to $100,000
  • Return of Minor Children up to $50,000
  • Trip Interruption up to $10,000
  • Local Burial or Cremation up to $5,000
  • Lost Checked Luggage up to $1,000
  • Border Entry Protection up to $500
  • Emergency travel benefits including AD&D
  • Urgent Care, Emergency Dental Coverage, Emergency Eye Exam, Emergency Room Service, Common Carrier Accidental Death
  • Supplemental travel benefits including Trip interruption and Travel delay
  • COVID-19 coverage included
  • Utilizes the United Healthcare PPO Network
  • Optional Device protection coverage
  • Optional AD&D Rider, Personal Liability Rider, Crisis Response Benefit Rider
NOTE:
Please review Atlas America policy documents for complete coverage and exclusions.
Key Highlights

Best Suitable Plan For

Parents visiting USA
Non-US Citizens visiting USA
B1/B2 Visa Holders to the USA
Plan Details

Insurance Provider

WorldTrips


Plan Underwriter

Lloyd’s of London


Plan Rating

A.M. Best Rating: A


Plan Category

Travel Medical Insurance


Plan Type

Comprehensive Coverage


PPO Network

United Healthcare PPO Network

Plan Eligibility

Eligibility

For non U.S residents and non U.S citizens traveling to the U.S.


Age for Coverage

14 days to 99 years


Coverage Duration

Minimum of 5 days to a maximum of 364 days


Extendable

Yes, up to 364 days


Policy Maximum, Deductibles & Medical Coverage Limits

Overall Maximum Limit

Age 80 or older – $10,000
Age 65 to 79 – $50,000 or $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


In-Network

Plan pays 100% up to the policy maximum


Out-of-Network

Plan pays 100% up to the policy maximum

Pre-Existing Conditions

Acute Onset of Pre-Existing Conditions

Up to the overall maximum limit

Emergency Coverage

Ambulance Expenses

Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient


Emergency Room(ER)

After deductible, the plan pays 100% up to policy maximum for eligible expenses

Out-Patient

Dr. / Physician Visit

After deductible, the plan pays 100% up to policy maximum for eligible expenses


Urgent Care

$15 co-pay (deductible waived) for urgent care and walk-in clinics only applicable to claims incurred inside the US. Co-pay waived if $0 is chosen for policy


Surgical Treatment

After deductible, the plan pays 100% up to policy maximum for eligible expenses


Prescription Drugs / Medicines

After deductible, the plan pays 100% up to policy maximum for eligible expenses


Lab & X-rays

After deductible, the plan pays 100% up to policy maximum for eligible expenses


Physical Therapy

100% up to policy maximum

In-Patient

Hospital Room

After deductible, the plan pays 100% up to policy maximum for eligible expenses


Surgical Treatment

After deductible, the plan pays 100% up to policy maximum for eligible expenses


Hospital Intensive Care Unit

After deductible, the plan pays 100% up to policy maximum for eligible expenses

Dental Coverage

Acute onset of pain

Up to $300


Travel Coverage

Emergency Medical Evacuation

Up to $1,000,000 lifetime maximum


Return of Remains

Overall maximum limit (not subject to deductible or coinsurance)


Emergency Reunion

Up to $100,000, subject to a maximum of 15 days – not subject to deductible


Return of minor Child(ren)

$50,000 per certificate period (not subject to deductible)


Trip Interruption

$10,000 limit per certificate period (not subject to deductible)


Loss of checked Baggage

$1,000 limit per certificate period (not subject to deductible)

Additional Coverage Options

Accidental Death and Dismemberment

Up to Age 69: Up to $25,000
Age 70-74: Up to $12,500
Age 75 and older: Up to $ 6,250
Age under 18: Up to $5,000 (subject to a maximum of $250,000 any one family or group)
Optional Riders Available (see policy brochure for details)


Crisis Response Benefit Rider

Up to $10,000 – not subject to deductible or overall maximum limit


Personal Liability Benefit Rider

Up to: $25,000 lifetime maximum $25,000 third person injury $25,000 third person property $2,500 related third person property – not subject to deductible or overall maximum limit

Didn’t find what you are looking for?

You can find an answer to your question by asking one of our licensed agents who will reply back to you via email.

Ask An Expert