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Atlas Essential America is a comprehensive budget-friendly travel medical insurance plan designed for non-U.S. citizens and non-U.S. residents traveling to the United States. The plan provides basic coverage benefits and features standard in most short-term international travel health insurance plans. Atlas Essential America is suitable for budget-conscious travelers seeking low-cost, affordable value with quoted premium rates. The plan is a good option for U.S. citizens and non-U.S. citizens traveling outside of their home countries for vacation, business, study abroad, and mission work. Atlas Essential is one of the most economical travel medical insurance plans. The policy is available for a minimum of 5 days up to a maximum of 364 days and is extendable and renewable. The minimum age for coverage is 14 days old. The plan provides maximum coverage choices from US $50,000 to US $1,000,000 for the life of the plan. Deductible options ranging from US $0 to US $5,000 per certificate period. After the deductible is satisfied, within the PPO network the plan pays 75% of eligible expenses up to the policy maximum. Outside of the PPO network the plan pays usual reasonable and customary (URC) of eligible medical expenses. The plan offers coverage for Urgent care, Intensive care, local ambulance, emergency room, emergency medical evacuation and repatriation of remains. It participates in the United Healthcare PPO network, providing access to wide network of physicians and hospitals across the USA. The plan provides coverage for COVID-19. Atlas Essential America is underwritten by Lloyd's of London, the oldest insurance market in the world. The plan is administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group).

Key Highlights:

  • Overall Maximum Limit Up to $1,000,000
  • Coinsurance (In-Network) within the PPO after the deductible, 75% up to the Maximum Limit
  • Coinsurance (Out-of-Network) Outside the PPO Usual reasonable and customary charges
  • Emergency Medical Evacuation Up to $500,000
  • Terrorism Up to $ 50,000 Lifetime maximum
  • Repatriation Of Remains Up to $25,000
  • Local Burial or Cremation Up to $5,000
  • Covid-19 coverage Included
  • Urgent Care, Local Ambulance
NOTE:
Atlas Essential America can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date. Atlas Essential America does not cover Pre-Existing medical conditions. Please review Atlas Essential America’s 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

Purchase Restrictions

Purchase Restrictions

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)

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, or $1,000,000


Deductible Options

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


Coinsurance

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

Pre-Existing Conditions

Acute Onset of Pre-Existing Conditions

No Benefits

Emergency Coverage

Ambulance Expenses

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


Emergency Room(ER)

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

Out-Patient

Dr. / Physician Visit

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


Urgent Care

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


Surgical Treatment

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


Prescription Drugs / Medicines

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


Lab & X-rays

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


In-Patient

Hospital Room

Average semi-private room rate, including nursing services


Surgical Treatment

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


Hospital Intensive Care Unit

Up to the overall maximum limit

Dental Coverage

Accidental emergency

No benefit

Travel Coverage

Emergency Medical Evacuation

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


Repatriation of Remains

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

Additional Coverage Options

Local Burial or Cremation

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

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