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Atlas Premium Insurance

Quote & Buy  COVID-19 

Plan Brochure

Policy Description

Atlas Premium Insurance for USA Visitors & International Travelers

Atlas Premium Insurance is a comprehensive high-end plan for visitors to the USA or international travelers, includes acute-onset of pre-existing conditions and higher liability coverage limits.

COVID-19 / SARS-CoV-2 / Coronavirus For Atlas Premium policies purchased on or after July 15th, COVID-19 will be treated as any other eligible illness. The epidemic/pandemic exclusion has been updated, including an exception for COVID-19, allowing for COVID-19 to be covered as any other eligible illness.

Atlas Premium Insurance is a top-rated comprehensive visitors health insurance plan for non-US citizen visiting USA, also suits individuals and/or family needing visitors insurance while traveling to America and outside home country. Atlas Premium is an elite visitors insurance plan with the best high-end features offering high-end premier coverage benefits for parents or relatives or tourist visiting USA. With the included liability coverage benefits, policy is ideal suited for business travelers and offers one of the highest travel medical coverage which is available to purchase from a minimum of 5 days up to a maximum of 364 days (one year), and is extendable/renewable up to 12 months (364 days) of continuous coverage.

Atlas Premium America visitors insurance suits discerning travelers outside their home country and provides exceptional coverage features and best quality short-term international travel health insurance. The plan offers acute onset of pre-existing condition visitor insurance coverage for ages below 80 years. Compared to standard Atlas America Insurance policy, the Atlas Premium America Insurance offers several coverage enhancements including higher benefit limits for emergency medical evacuation and repatriation, emergency reunion, trip interruption, loss of checked baggage or luggage, crisis response and natural disaster benefit.

Atlas Premium Insurance plan is administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group), and the policy is underwritten by Lloyds, the oldest insurance entity in the world.

Atlas Premium Insurance Review

Best Plan for Travel to USA or Intl.  COVID-19 

VIS Product Rating:

Notes: High-end comprehensive plan for visiting USA or intl. travel, see any doctor as no coinsurance to meet, liability coverage benefits, higher maximum limits for 80+ age w/ 20K max.

Eligibility: Foreign nationals, both individuals and/or family, above age 14 days, and visiting the USA, or traveling outside home country.

Coverage Duration: Minimum of 5 days to maximum of 1 year (364 days)

Amounts:

  • Member maximum limits: $50K to $2 million
  • Max. drops for ages 65-79: $50K or $100K, 80+: $20K
  • Choice of deductible: $0 to $5,000, higher deductible lower cost
  • Co-insurance: No coinsurance, inside USA or outside America also.

PPO Network: Uses UnitedHealthCare or FirstHealth Preferred Provider Organization (PPO), freedom to visit any doctor or hospital for medical care inside or outside the PPO network as no coinsurance charges applies.

PPO Network

Renew or Extend: Renewable up to total 364 days, prior to expiration, $5 renewal fee applies additionally.

Renew Online

Other Highlights

  • Suits relatives or parents visiting the USA
  • Sickness/injury plans for visitors to America
  • Acute-onset of pre-conditions included
  • Coverage for Covid-19/coronavirus included
  • Single trip policy, quote & purchase online
  • No coinsurance, see care with any provider
  • Higher liability coverage limits included

Atlas Premium Visitor Insurance

Atlas Premium Insurance plan highlights include:

  • Atlas Premium America is for worldwide coverage including USA, plan suits foreign nationals visiting USA and traveling outside their home country.
  • Atlas Premium International is for worldwide coverage excluding USA, policy is for US citizens or non-US citizens traveling abroad and outside of the United States of America.
  • Offers acute onset of a pre-existing condition coverage for visitors to USA below age 80 years.
  • No coinsurance to meet as plan pays 100% after the deductible for eligible expenses up to policy maximum.
  • Maximum comprehensive coverage of up to $20,000 for age 80+.
  • Plan is best suited for business travelers visiting USA or for travel abroad.
  • Plan is ideal solution for parents visiting USA or relatives travel abroad.

Atlas Premium Insurance Plan Overview

Atlas Premium America plan is designed business travelers, relatives or parents visiting USA, and tourist coming to America for sightseeing, or Atlas Premium International policy is for travelers outside America who are going abroad to any foreign country.

  • Eligibility: Visitors to USA or international travelers outside their home country (age more than 14 days).
  • Policy Maximum: For ages 64 and younger, plan offers maximum coverage from US$50,000 to US$2,000,000 for the life of the plan. For travelers ages 65 to 79 years, the maximum coverage is limited to $100,000 and for ages 80 years and older it is reduced to $20,000.
  • Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000, US$2500 or US$5000 deductible per certificate/renewal period.
  • Coinsurance Amount: No Coinsurance as plan pays 100% of eligible expenses (after the deductible) up to the overall maximum limit.
  • Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests, urgent care and emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included.
  • Duration: Minimum certificate period of 5 days to maximum coverage/renewal period of 1 year (364 days).
  • Underwriter: Policy is underwritten by Lloyds, the oldest and largest insurance market in the world.
  • Administrator: Plan is administered by WorldTrips, a member of the Tokio Marine HCC Group of companies.

Atlas Premium Plan Details

Atlas Premium Insurance Plan Details

Review the plan brochure for coverage benefits or the detailed description of coverage document for plan exclusions and in-depth policy information.

  • Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
  • Pre-Existing Conditions: Acute onset of pre-existing condition coverage is available with this plan for ages below 80 years. For Age below 70 years, up to selected Medical Maximum per coverage period, and up to $25K per coverage period for Emergency Medical Evacuation. For Ages 70-79 years, up to $100K Medical Maximum per coverage period, and for ages above 80 years, this benefit is not available.
  • Plan Brochure: Review the Atlas Premium Insurance Plan Brochure for policy details.
  • Description of Coverage: Review the Atlas Premium Insurance Description of Coverage for policy exclusions and detailed information.

Atlas Premium Insurance Plan Brochure

Atlas Premium Insurance Review of the plan brochure for coverage information and summary of benefits along with broad outline of the policy features.

Atlas Premium Insurance Certificate

Atlas Premium Insurance Review of the plan certificate for detailed coverage information and plan exclusions with in-depth policy benefits explanation.

Atlas Premium Insurance PPO Network

Atlas Premium Visitor Insurance has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers. Search for providers within the PPO network and save on co-insurance charges.

  • USA Provider Network: Find doctors, surgeons, hospitals, clinics, labs, diagnostic centers, emergency rooms, urgent care centers, other providers by zip code in the U.S. included in Tokio Marine HCC PPO USA Provider Network, network services provided by FirstHealth.
  • International Provider Network: Find limited international providers and caregivers outside the United States.

Atlas Premium Insurance - Apply to Quote/Buy Online

Quote, Apply & Buy Atlas Premium Insurance instantly online or print/complete the paper application along with the payment.

Atlas Premium Insurance - Renew/Extend Coverage

Atlas Premium Visitor Insurance coverage can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.

Atlas Premium Insurance Client Zone

Atlas Premium Visitor Insurance client zone for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

  • Client Zone: Access the Atlas Premium Visitor Insurance Client Zone for existing policyholders.
  • Claim Form: Submit the Atlas Premium Visitor Insurance Claim Form along with your bills and other supporting documents on the Client Zone for review and settlement.

Atlas Premium Cancellation & Refund Rules

Below are the rules pertaining to cancellation of the policy and refund of premium. A a written request (email is fine) is required.

  • Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
  • Active Policy: After the effective date of coverage, and if there are outstanding claims, the premium is considered to be fully earned and hence it is non-refundable. Also, after the start date, if the policy has not been used and there are no claims outstanding, un-used days refunds are considered for a partial refund, and a $25 cancellation fee also applies.

Atlas Premium Insurance Plan FAQ

Below are some of the questions frequently asked with the Atlas Premium insurance plan gathered over many years:

Who is eligible to purchase the Atlas Premium policy?

Foreign nationals visiting the USA for short term up one year

The Atlas Premium plan is available for foreign nationals who are visiting the United States for a short-term duration of up to 1 year. Individuals and/or families of any age visiting the United States can purchase the policy. The plan is NOT available for US citizens who live permanently outside the USA as expatriates, and are traveling to the USA for a short visit.

When should I purchase the Atlas Premium policy?

After your travel dates are confirmed, buy Atlas Premium plan

The best time to purchase the Atlas Premium policy is right after you book your airline tickets. You can also buy coverage before you leave on your trip to America. The policy can be purchased even the day before your departure to the United States. If you have forgotton to purchase coverage, you can still buy coverage after your arrival to the USA, by entering the start date of coverage as early as next day for the desired effective date.

What are the cancellation rules for the Atlas Premium plan?

Print to coverage effective date, full refund applied

All cancellation requests must come as a written request (email) to the plan administrator. To be eligible for a refund, requests received prior to the effective date of coverage are only considered for a full refund. After the effective date of coverage, if there are outstanding claims, the premium is considered to be fully earned and hence it is non-refundable. Also, after the start date, if the policy has not been used and there are no claims outstanding, un-used days refunds are considered for a partial refund. A $25 processing fee applies.

Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.