If there is one country high up on everyone’s travel wishlist, it has to be the United States. A trip to the US is exciting but must be planned carefully, owing to uncertainties that can arise during travel. This is where a comprehensive insurance plan like Atlas America can really help you create a memorable stay in the US by protecting you and your loved ones with the right medical care.
What is Atlas America Insurance?
Atlas America is a preferred travel health insurance plan highly sought after by travelers visiting the US. Known to have some of the best medical coverage among comprehensive plans, it can help protect you and your family, regardless of the length of stay. From covering you for unexpected illnesses to handling trip interruptions, Atlas America has you protected all the way!
Reasons to Buy Atlas America Insurance
1. Medical Care – Needless to say, one of the top reasons to purchase a travel health insurance plan is to get emergency medical care in a foreign land. Atlas America offers coverage for unexpected illnesses and the acute onset of pre-existing conditions that arise during your travel.
2. Acceptance Rate – Since this is a widely recognized plan in the US, you can rest assured of its acceptance in hospitals and clinics.
Factors to Consider While Purchasing Atlas America Insurance
Before you choose a travel health insurance plan, it is important to go over the policy carefully. Here are some of the top factors to look at when purchasing Atlas America Insurance.
Coverage
One of the main reasons to invest in a travel health insurance plan is to cover medical expenses. It goes without saying that the top factor to consider when purchasing your travel health insurance plan must be the coverage, including medical, dental, and travel-related protections.
Duration
It is highly recommended to make sure your plan can cover the duration of your visit to the United States. Check with your agent at VisitorPLANS on the availability of your policy for your travel period.
Cost
If you’re trying to stick to a budget, the cost is definitely a critical factor to consider. Ask your agent for coverage options suitable for you and your family.
Pre-existing Condition
These plans do not cover pre-existing conditions but some plans cover the acute onset of pre-existing conditions with restrictions. It is very important to check this, especially if you have a pre-existing condition.
Eligibility Requirements for Applying for Atlas America Insurance
The eligibility requirements for Atlas America Insurance are pretty straightforward. US Citizens and non-US citizens who are at least fourteen (14) days of age are eligible for coverage outside their home countries, except as provided under home country coverage. US Citizens and residents are not eligible for coverage within the US, except as provided under incidental home country coverage or an eligible benefit period.
Should you make a change to the location of your home country during the certificate period, you are no longer eligible for coverage in the new home country except as provided under home country coverage as of the date you establish in the new home country. Individuals age 65 to 79, as of the certificate effective date, are subject to a $100,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $10,000 overall maximum limit.
Benefits of Choosing Atlas America Insurance
Here are some of the notable benefits of Atlas America Insurance.
- Overall Maximum Limit for ages 80 or older – $10,000, ages 65 to 79 – $50,000 or $100,000, All others – $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
- Hospital Room and Board, including nursing services
- Local Ambulance, Emergency Room Co-payment, Urgent Care, Intensive Care Unit
- Outpatient Physical Therapy and Chiropractic Care up to $50 maximum per day
- Emergency Dental (Acute Onset of Pain) – up to $300 – not subject to deductible
- Emergency Eye Exam
- Acute Onset of Pre-existing Condition – Up to the overall maximum limit
- Emergency Medical Evacuation
- Repatriation of Remains
- Local Burial or Cremation
- Crisis Response
- Pet Return up to $1,000 – not subject to deductible
- Accidental Death & Dismemberment
- Flexibility in Renewal/ Extension
For a detailed view of the benefits, click here.
FAQs on Atlas America Insurance
When should I buy Atlas America Insurance?
We recommend you buy your insurance at least five days prior to departure. This gives you sufficient time to print out the insurance documents to avoid the last-minute rush.
Is Atlas America good?
Yes! It is one of the top-selling comprehensive coverage plans, highly known for its access to the best medical care and customer service.
How Atlas America Insurance Works?
The plan will pay 100% of eligible expenses, after the deductible, to the overall maximum limit as per the terms and conditions of the policy.
Who is eligible to purchase the Atlas America Policy?
Non-US citizens visiting the USA or traveling outside their home country, including business travelers and students aged at least 14 days to 99 years traveling outside their home country for a coverage length of a minimum of 5 days up to a maximum of 364 days, are eligible for this policy.
Is Atlas America Insurance suitable for all types of travelers?
Yes, Atlas America Insurance caters to travelers of all kinds. From getting specialized care for your health situation to filing a claim, Atlas America makes it easy.
Does Atlas America Insurance cover pre-existing medical conditions?
No, it does not cover pre-existing conditions, but it covers the acute onset of pre-existing conditions. Make sure to review your policy before purchase.
Can I extend my Atlas America Insurance Policy if my travel duration changes?
Yes. One of the reasons why Atlas America Insurance is a preferred policy by travelers to the United States is its flexibility in extending coverage owing to a sudden change in plans.
Can I purchase Atlas America Insurance after starting my journey?
Yes, this plan allows you to purchase after starting your journey. However, we advise purchasing insurance before you start your journey to access coverage during travel.
Can I cancel my Atlas America Insurance policy and get a refund?
Yes, you can apply for a refund based on the terms outlined in your policy.
Reasons to choose Atlas America Travel Health Insurance?
Atlas America Insurance offers several coverage options to suit every kind of traveler, providing you peace of mind during your trip to the United States, including flexibility in extending your coverage, should you need it.
Conclusion
Atlas America Insurance is a highly reliable insurance provider that is suitable for travel to the United States. With multiple benefits and the ability to customize your plan as you travel, it is one of the top preferred plans for comprehensive travel health insurance. Whether you’re a first-time visitor or simply visiting family, Atlas America Insurance is the plan for you! To learn more or for queries, contact VisitorPLANS.
