Are you an adventurer at heart? Do you love to explore new places, meet new people, and try out different cuisines?
If so, then traveling must be one of your favorite hobbies.
But have you ever thought about what would happen if you got sick or injured while traveling abroad?
You might be thinking, “Oh, I’m sure I’ll be fine,” but trust us when we say this – it’s always better to be safe than sorry.
That’s where Atlas America Travel Insurance comes in.
It’s a popular travel insurance plan that offers comprehensive coverage for individuals and families who are traveling outside their home country. But is it really worth the hype? Let’s find out!
Benefits of Atlas America Travel Insurance
One of the best things about Atlas America Travel Insurance is that it offers a wide range of benefits to its customers. Here are some of the key benefits that you can expect:
- Medical Coverage:
This insurance plan provides coverage for medical emergencies, hospitalization, and medical evacuations. So, if you get sick or injured while traveling abroad, you don’t have to worry about expensive medical bills.
- Trip Interruption Coverage:
If your trip gets interrupted due to unforeseen circumstances, such as a natural disaster or a family emergency, this insurance plan will cover the expenses for your return trip.
- Accidental Death and Dismemberment Coverage:
This coverage provides financial support to your family in case of accidental death or dismemberment while traveling abroad.
- 24/7 Assistance:
Atlas America Travel Insurance provides round-the-clock assistance to its customers. So, if you need help with anything while traveling abroad, you can always reach out to their customer support team.
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Drawbacks of Atlas America Travel Insurance
While Atlas America Travel Insurance does offer a lot of benefits, there are some drawbacks that you should keep in mind before purchasing this insurance plan:
- High Deductible:
The deductible for this insurance plan is relatively high, which means that you’ll have to pay a significant amount out of your own pocket before the insurance coverage kicks in.
- Limited Coverage for Pre-Existing Conditions:
If you have a pre-existing medical condition, this insurance plan might not cover it. So, make sure to read the fine print carefully before purchasing the plan.
- Limited Coverage for Adventure Sports:
If you’re planning to indulge in adventure sports, such as bungee jumping or skydiving, this insurance plan might not cover it.
Atlas America Travel Insurance is a great option for those who are traveling outside their home country. It offers comprehensive coverage for medical emergencies, trip interruptions, and accidental death or dismemberment.
However, it does come with a high deductible and limited coverage for pre-existing conditions and adventure sports.
So, if you’re planning to travel abroad, make sure to consider all your options before purchasing travel insurance.
And if you do decide to go with Atlas America Travel Insurance, make sure to read the fine print carefully and understand all the terms and conditions of the plan.
Atlas America Insurance Review
Now, let’s get to the details.
Atlas America is a Comprehensive travel insurance plan underwritten by Lloyd’s and administered by HCCMIS.
It provides comprehensive medical coverage for individuals and families traveling outside their home country. For example, Indian citizens traveling to the USA on a visit visa (B1/B2).
Comprehensive policies offer better coverage, than limited coverage plans.
Atlas America is a medical/health/travel insurance plan that covers more than what a limited coverage plan would.
It pays 100% for covered expenses after the deductible is satisfied.
You can choose your deductible anywhere from $0 to $5,000 with this policy.
This is a travel insurance plan that’s best suited for visitors in USA.
It offers coverage for acute onset of pre-existing conditions of up to $2,000,000 for those insured under the age of 69 and $100,000 for those in the 70-79 age group.
Atlas America Insurance offers coverage from a minimum of 5 to a maximum of 364 days.
Pre-existing conditions may be subject to defenition, as specified by the plan.
Atlas America, is part of the First Health network.
It offers benefits, such as coverage of hospital rooms charges, surgeon fees, local ambulance charges, emergency room, intensive care unit expenses, pre-admission tests and diagnostics charges like that for X-rays, as well as lab charges.
Please check the policy details directly from the company for exclusions.
Atlas America Pros
- Coverage for pre-existing conditions of up to $2,000,000.
- Premium is affordable.
- Perfect for visitors to the US.
- Covers emergency services.
- Pays 100% up to policy maximum within the PPO network.
Atlas America Cons
- Low policy maximum for ages 80 and above.
Atlas America Features
|Provider Network||First Health|
|Coverage Location||USA, International|
|Coverage Duration Min||5 Days|
|Coverage Duration Max||1 Year|
|Visa Types||B1/B2 Visa, Green Card|
|Available For||Non US Residents, US Visitors, US Residents|
What type of plan is Atlas America?
Atlas America is a Comprehensive travel insurance plan.
Is Atlas America available?
Atlas America is Available.
Is Atlas America expensive?
It is an Affordable travel insurance plan.
Which company Administers Atlas America?
Atlas America is administered by HCCMIS.
Atlas America comes under which network?
Atlas America offers PPO network.
Which are the coverage areas for Atlas America?
Atlas America offers coverage in USA, International regions.
What is the minimum policy duration for Atlas America?
Atlas America offers minimum policy duration of 1 Day.
What is the maximum policy duration for Atlas America?
Atlas America offers maximum policy duration of 45 Days
Is Atlas America policy renewable?
Do Atlas America offer refunds?
Can you cancel Atlas America policy?
It is Yes to cancel Atlas America plan.
Which visas can buy Atlas America?
B1/B2 Visa visa holders can buy Atlas America insurance.
Whom is it available for?
Atlas America is available for Non US Residents.
Which health network is part of Atlas America offer?
Atlas America is part of First Health network.
Which states are Atlas America restricted in?
Maryland, Washington, New York.
Do Atlas America cover pre-existing conditions?
Pre-existing conditions are Covered by Atlas America travel insurance.
Do Atlas America insurance cover dependants?
Do Atlas America offer dental insurance coverage?
Where can I get Atlas America‘s full policy details?
You can get the full policy details from here – https://www.atlasamericainsurance.net/atlas-america-insurance/brochure/.
How can I claim Atlas America insurance?
You can claim Atlas America travel insurance by following the details here – https://www.atlasamericainsurance.net/atlas-america-insurance/brochure/.
Atlas America Review
Atlas America is a good travel insurance plan, but it comes with limitations. Patriot America Plus is probably a better plan than Atlas America, if you’re looking for a short term health insurance while visiting USA.