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.

Recommended Plans

✅ Atlas America

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.

✅ Safe Travels Comprehensive

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).

✅ Patriot America Platinum

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

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.
  • Administrator: WorldTrips
  • Underwriter: Lloyd’s of London
  • Best Suitable for: International visitors to the USA, looking for extensive travel insurance
  • Eligibility: Visitors to the USA
  • Type of coverage: Comprehensive Coverage 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

TypeComprehensive
StatusAvailable
CostAffordable
AdministratorHCCMIS
UnderwriterLloyd's
Provider NetworkFirst Health
Coverage LocationUSA, International
Coverage Duration Min1 Day
Coverage Duration Max45 Days
RenewableYes
RefundsYes
CancellationYes
Visa TypesB1/B2 Visa
Available ForNon US Residents
Restricted StatesMaryland, Washington, New York
Pre-Existing ConditionsNot Covered
DependentsYes

What type of plan is Atlas America?

Atlas America is a Comprehensive travel insurance plan.

Is Atlas America available?

Is Atlas America expensive?

Which company Administers Atlas America?

Atlas America comes under which network?

Which are the coverage areas for Atlas America?

What is the minimum policy duration for Atlas America?

What is the maximum policy duration for Atlas America?

Is Atlas America policy renewable?

Do Atlas America offer refunds?

Can you cancel Atlas America policy?

Which visas can buy Atlas America?

Whom is it available for?

Which health network is part of Atlas America offer?

Which states are Atlas America restricted in?

Do Atlas America cover pre-existing conditions?

Do Atlas America insurance cover dependants?

Do Atlas America offer dental insurance coverage?

Where can I get Atlas America‘s full policy details?

How can I claim Atlas America insurance?

Atlas America Review

Mani Karthik

Features
Cost
Support
Claim Process

Summary

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.

3.3

Patriot America Plus