Atlas America Insurance Information, Benefits, and Eligibility
Introduction to Atlas America Insurance
Atlas America Insurance is a travel medical insurance plan designed for international travelers visiting the USA. Administered by WorldTrips, this plan provides comprehensive medical coverage for unexpected health emergencies, including doctor visits, hospitalization, prescription medications, and emergency medical evacuation.
This plan is particularly beneficial for tourists, business travelers, and family members visiting the U.S. who need short-term health coverage in case of accidents, illnesses, or travel-related emergencies.
Traveling internationally from the USA? Atlas International plan may be beneficial for you.
Atlas America Insurance Plan Benefits
| Coverage Type | Details |
|---|---|
| Overall Maximum Limit | $50,000 to $2,000,000 (depending on plan selection) |
| Maximum Limit For Age 65 to 69 | $50,000 or $100,000 |
| Maximum Limit Age 80+ | $10,000 |
| Deductibles | $0 to $5,000 per certificate period |
| Coinsurance | The plan pays 100% after the deductible up to the overall maximum limit |
| Emergency Medical Evacuation | Up to $1,000,000 (not subject to deductible or overall maximum limit) |
| Repatriation of Remains | Equal to the overall maximum limit (not subject to deductible or coinsurance. This limit is for this benefit only and is not included in or subject to the overall maximum limit) |
| Acute Onset of Pre-existing Conditions | Up to the overall maximum limit (up to $25,000 for emergency medical evacuation) |
| Hospital Room & Board | Average semi-private room rate, including nursing services |
| Intensive Care Unit | Up to the overall maximum limit |
| Emergency Room Co-Payment | $200 per visit (waived if admitted to the hospital) |
| Urgent Care Co-Payment | $15 per visit (waived if a $0 deductible is chosen) |
| Emergency Dental | Up to $300 |
| Emergency Eye Exam | Up to $150 ($50 co-payment per occurrence) |
| Trip Interruption | Up to $10,000 |
| Lost Checked Luggage | Up to $1,000 |
| Personal Liability | Up to $ 25,000-lifetime maximum (can be increased with optional rider) |
| Political Evacuation | Up to $100,000-lifetime maximum |
Other Travel Medical Insurance Plans to consider:
See how Atlas America Insurance vs Patriot America Plus Insurance stands.
Key Features of Atlas America Insurance
Atlas America offers a range of benefits to ensure peace of mind while traveling. Here are the key features that make this plan a popular choice among visitors to the USA:
1. Comprehensive Medical Coverage
- Covers hospital stays, doctor visits, ICU care, ambulance services, and prescription drugs.
- Includes coverage for emergency medical treatment for injuries and illnesses.
2. Coverage for Acute Onset of Pre-Existing Conditions
- It covers the acute onset of pre-existing conditions of travelers under 80 years old.
- Ideal for senior travelers worried about sudden medical complications.
3. Emergency Medical Evacuation & Repatriation
- Covers medical evacuation to the nearest suitable medical facility.
- Includes repatriation of remains and local burial or cremation benefits.
4. No Network Restrictions
- Travelers can visit any doctor or hospital of their choice.
- Access to Preferred Provider Organization (PPO) network within the U.S. for lower medical costs.
5. Flexible Policy Duration
- Coverage is available from 5 days up to 364 days, with extension options.
- Perfect for short-term stays and extended visits to the U.S.
6. Additional Travel Benefits
- Trip Interruption Coverage: Covers return travel expenses in case of medical emergencies.
- Lost Luggage Coverage: Reimburses for personal belongings lost during travel.
- Travel Delay Benefits: Covers expenses for unplanned overnight stays due to travel delays.
Eligibility for Atlas America Insurance
Atlas America is designed for non-U.S. citizens traveling outside their home country. Here are the eligibility requirements:
Who Can Apply?
✔ Non-U.S. citizens traveling to the USA.
✔ Visitors, tourists, business travelers, and international students on short-term stays.
✔ Parents and family members visiting their children in the U.S.
✔ Travelers who need temporary medical coverage in the U.S.
Who is NOT Eligible?
❌ U.S. citizens and residents are not eligible for coverage within the U.S.
❌ Travelers looking for long-term health coverage in the U.S.
❌ Individuals needing coverage for routine checkups or pre-existing chronic conditions.
Read the policy document for complete details.
Limitations of Atlas America Insurance
While Atlas America is a strong travel medical insurance option, it has certain limitations:
- Limited Coverage for Seniors: Travelers 80+ years old have a $10,000 coverage limit.
- High ER Co-Payment: A $200 co-payment applies for ER visits due to illness unless admitted.
- No Routine Checkups: The plan only covers emergency medical expenses—not preventive care, vaccinations, or routine visits.
- Limited Dental & Vision Coverage: Emergency dental treatment is capped at $300, and emergency eye exams at $150.
- Pre-existing Medical Conditions: No coverage except for the acute onset of pre-existing conditions.
Why Choose Atlas America Insurance?
Atlas America is a trusted and affordable option for visitors who need short-term medical coverage in the U.S. Here’s why it stands out:
✅ Flexible coverage options tailored to short-term travelers.
✅ Emergency medical benefits for unexpected accidents or illnesses.
✅ Coverage for acute onset of pre-existing conditions for travelers under 80.
✅ Travel assistance benefits, including lost luggage, trip interruption, and emergency evacuation.
✅ No PPO restrictions—visit any hospital or doctor.
How to Buy Atlas America Insurance
Purchasing Atlas America Insurance is quick and easy. You can:
- Get a Free Quote Online – Compare coverage options and pricing.
- Choose Your Coverage Duration – From 5 days to 364 days.
- Make Payment & Receive Policy – Instantly get your insurance confirmation via email.
Is Atlas America Insurance Right for You?
If you are a non-U.S. citizen visiting the USA, Atlas America Insurance is a strong option for travel medical coverage. It provides comprehensive emergency medical benefits, evacuation coverage, and acute onset of pre-existing conditions coverage—all with flexible policy options.
However, if you need routine checkups, coverage for chronic pre-existing conditions, or extensive senior coverage, you may want to explore alternative plans.
To ensure a worry-free trip to the U.S., consider purchasing Atlas America Insurance today!
