Atlas America

So you know that Atlas America is a good option when it comes to travel insurance. But you aren’t sure if it is better than Safe Travels USA Comprehensive or Patriot America. Well, we’ll help you figure it out at the end of this article.

Atlas America Travel Insurance is one of the most popular travel insurance plans for US visitors. No doubt.

But is it the best? Depends.

Let me explain.

Benefits of Atlas America Travel Insurance

One of the best things about Atlas America Travel Insurance is that it offers an unparalleled range of benefits to its customers.

Here’s what we are talking about.

• Medical Coverage:
  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:
  Provides financial support to your family in case of accidental death or dismemberment while traveling abroad.
• 24/7 Assistance:
  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.

Drawbacks

While we’re at it. Might as well put it out there.

There are some drawbacks.

• High Deductible:
  The deductible for this insurance plan is relatively high compared to other plans, 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 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).

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.

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.

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

Atlas America Cons

Atlas America Features

Type	Limited Coverage
Status	Available
Cost	Affordable
Administrator	IMG Global
Underwriter	Sirius International
Provider Network	First Health
Coverage Location	USA, International
Coverage Duration Min	5 Days
Coverage Duration Max	1 Year
Renewable	Yes
Refunds	Yes
Cancellation	Yes
Visa Types	B1/B2 Visa, Green Card
Available For	Non US Residents, US Visitors, US Residents
Restricted States	Maryland
Pre-Existing Conditions	Optional
Dependents	No