The Atlas America comprehensive coverage visitor insurance plan typically offers a range of maximum coverage and deductible options, with a wide rate of benefits including medical expenses, emergency evacuation, and repatriation. This can be particularly valuable for USA visitors as international travelers to America who need coverage while abroad outside their home country.
The Atlas America travel medical insurance plan is underwritten by Lloyd’s of London and administered by the WorldTrips Travel Insurance.
Review of the Atlas America Insurance Plan for USA Visitors
Atlas America Insurance is a visitors insurance plan designed specifically for travel to the United States, the policy is suited USA visitors including relatives or parents visitings USA, traveler tourists, and expatriates.
Atlas America Coverage Highlights
Here are some key aspects to consider when reviewing Atlas America Insurance:
- Medical Expenses:
- Coverage Limits: Atlas America typically offers high maximum coverage limits, often up to $2 million (based on age), for medical expenses incurred due to illness or injury.
- Benefits: Includes coverage for hospital stays, surgery, doctor visits, and prescription medications.
- Deductibles: Various deductible options are available, allowing you to choose a plan that fits your budget and needs.
- Emergency Medical Evacuation:
- Coverage: Provides coverage for emergency evacuation to the nearest suitable medical facility or repatriation to your home country if necessary.
- Benefits: Can include transport expenses, which can be substantial in the case of serious medical emergencies.
- Repatriation of Remains:
- Coverage: Covers the cost of returning your remains to your home country in the unfortunate event of death.
- Trip Interruption and Cancellation:
- Coverage: Some plans offer coverage for trip interruption or cancellation due to covered reasons, such as medical emergencies or unforeseen events.
- Benefits: Provides financial protection if you need to cancel or cut short your trip due to emergencies.
- 24/7 Assistance Services:
- Availability: Atlas America includes 24/7 travel assistance services, which can help you find local medical providers, translate medical information, and provide emergency assistance.
- Hospital Room and Board:
- Coverage: Covers expenses for hospital room and board, including ICU, if hospitalization is required.
Atlas America Key Exclusions and Limitations
- Pre-existing Conditions: Coverage for pre-existing conditions is typically excluded, or it may be covered under specific conditions if purchased as an optional benefit. This can include conditions that existed before the start of the policy. However, the policy does cover acute-onset of pre-exist ing conditions, for insured persons below age 80 years.
- Routine or Preventive Care: Routine check-ups, preventive care, and non-emergency procedures are usually not covered. This policy is designed primarily for unexpected medical emergencies.
- High-Risk Activities: Engaging in high-risk activities such as extreme activities or hazardous sports or hobbies might not be covered. It’s important to review the list of excluded activities to ensure your planned activities are covered.
- Travel to Restricted Areas: Atlas travel plan like many other competing travel health policies might not cover medical expenses if you travel to areas with travel warnings or restrictions due to war or where where no commerce is allowed by the US.
Atlas America Cost and Flexibility
- Pricing: The cost of Atlas America insurance varies depending on factors such as the duration of coverage, the chosen deductible, and the age of the traveler. Higher coverage limits and lower deductibles generally increase the cost.
- Flexible Terms: You can often choose coverage periods ranging from a few days to several months, which provides flexibility depending on your travel plans.
Atlas America Claims Process
- Documentation: Ensure that you keep thorough records of all medical treatments, receipts, and documentation of your expenses. Proper documentation is crucial for a smooth claims process.
- Process: Claims can generally be filed online or via mail. Some users report that the claims process can be slow or require significant paperwork, so understanding the process and being diligent with documentation is important.
Atlas America Client Testimonials and other Customer Feedback
- Positive: Many customers appreciate the comprehensive coverage and the peace of mind it provides while traveling in the U.S. Also, the high rating of the plan underwriter is seen as strength of the company backing the paper. The 24/7 assistance is often highlighted as a valuable feature.
- Negative: Some users have experienced difficulties with the claims process and noted challenges with understanding the policy’s exclusions and limitations. Reading the policy details thoroughly and asking questions before purchasing can help mitigate these issues.
Atlas America Visitor Insurance - Why Should I buy the Policy?
Atlas America Insurance is a solid choice for international visitors to the U.S. who need reliable medical coverage. It offers extensive benefits for medical emergencies, including evacuation and repatriation, which can be crucial for travelers. However, potential buyers should carefully review the policy details, exclusions, and limitations to ensure it meets their needs and understand the claims process to avoid potential issues.
When evaluating Atlas America Insurance or any other travel medical insurance plan for that matter, it’s important to consider your specific coverage needs, such as age of the insured person, the length of your stay, the type of activities you’ll be participating in, and any pre-existing medical conditions. Reading reviews and comparing plans on VISOA.com, or calling the licensed insurance agent at VISOA (Visitor Insurance Services of America) can help you make an informed decision.