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.
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 that provides the same benefits as the popular Atlas Travel plan, but includes higher coverage limits for many important benefits and features. Atlas Premium plan is one of the best high-end premier coverage benefits for parents or relatives or tourist visiting USA. With the included liability coverage benefits, policy is best suited for business travelers and offers top-rated 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.
- Quote and Buy Atlas Premium Insurance online, instant ID cards and proof of coverage.
- Review the Atlas Premium Insurance Brochure for plan summary of benefits.
- Review Atlas Premium Plan Description of Coverage for policy details and exclusions.
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
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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.
- Plan Brochure: Atlas Premium Insurance Review of the Atlas Premium Insurance Brochure for policy information, coverage features and plan summary of benefits.
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.
- Certificate of Insurance: Review all the policy details available in the Atlas Premium America Insurance Certificate which is the detailed sample document of the master policy document.
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.
- Quote/Buy Online: Get instant quote & Buy Atlas Premium Insurance coverage with online application.
- Application Form: Complete, mail/fax the Atlas Premium Insurance Paper Application along with premium 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.
- Renew Policy: Extend the policy coverage dates using Atlas Premium Insurance Renew Online.
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.