Atlas Essential America

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

14 days to 99 years

Minimum of 5 days to a maximum of 364 days

Yes, up to 364 days

Not Available for the following Destination Countries: Belarus (BLR), Cuba (CUB), Iran (IRN), Mayotte (MYT), North Korea (PRK), Russia (RUS), Syria (SYR) & Ukraine (UKR)

Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), Myanmar (MMR), North Korea (PRK), Puerto Rico (PRI), Syria (SYR), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)

Not available for Citizens of: Cuba (CUB), Iran (IRN), Myanmar (MMR), North Korea (PRK), Puerto Rico (PRI), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)

Not available to individuals who are physically located in the states of: Washington (WA), New York (NY) & Maryland (MD)

Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states

Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)

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, or $1,000,000

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

Within the PPO: 75% of eligible expenses after the deductible to the overall maximum limit
Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount

No Benefits

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

Claims incurred in the U.S. The member shall be responsible for a $200 co-payment for each use of emergency room for an Illness unless the member is admitted to the hospital. There will be no co-payment for emergency room treatment of an injury

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

Claims incurred in the U.S. For each visit, the member shall be responsible for a $15 co-payment, after which coinsurance will apply (not subject to deductible). -Co-payment waived if $0 deductible elected

After deductible, the plan pays 75% up to policy maximum for eligible expenses

After deductible, the plan pays URC for prescription drugs/medicines

After deductible, the plan pays 75% up to policy maximum for eligible expenses

Average semi-private room rate, including nursing services

After deductible, the plan pays 75% up to policy maximum for eligible expenses

Up to the overall maximum limit

No benefit

Up to $500,000 lifetime maximum (not subject to deductible, coinsurance, or overall maximum limit

Up to $25,000 lifetime maximum (not subject to deductible, coinsurance, or overall maximum limit)

Up to $5,000 lifetime maximum (not subject to deductible or coinsurance)