Tokio Marine HCC

Atlas America Insurance, Atlas America Travel Insurance

Quotes for Atlas America Travel Insurance

ELIGIBILITY:
  • Non-US Citizens traveling outside their home country.
COINSURANCE:
  • Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Atlas America visitor travel medical insurance is an effective coverage for visitors to USA. It also offers acute onset of pre-existing conditions coverage. This insurance is administered by HCC Medical Insurance Services Insurance
UNDERWRITERS: Underwritten by Lloyds, London.
RATING:
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-
Related Links
Advantages
Disadvantages

Plans highlights

Policy maximum

  • Age 80+:$10,000. Age 65 to 79:$50,000, $100,000. All others:$50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Eligibility
  • Non-US Citizens traveling outside their home country.
Benefit Period: 90 days.

Deductible

  • $0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.
Co-insurance: Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Pre-Existing Conditions Coverage

Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 80)
  • Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
  • Under age 70: Covers up to overall maximum limit.
  • Up to $25,000 lifetime maximum for Emergency Medical Evacuation.

Atlas insurance Covid - Atlas America insurance coverage for Coronavirus

Atlas America Covid insurance provides coronavirus coverage for eligible medical expenses resulting from COVID-19/SARS-CoV-2. Atlas insurance Coronavirus eligible expenses are medically necessary expenses that are not subject to another plan exclusion.

Note: Atlas America insurance purchased on or after July 15, 2020 do NOT exclude COVID-19 medical charges.

Benefits details

Benefits Coverage
Hospital room and board Average semi-private room rate, including nursing services.
Intensive care unit Up to the overall maximum limit.
Emergency room co-payment Claims incurred in the U.S. - Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Claims incurred outside the U.S. - No co-payment.
Urgent care center co-payment Claims incurred in the U.S. - Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S. - No co-payment.
Local Ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Benefit Period 90 days per certificate period.
Emergency Medical Evacuation $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Repatriation of remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
Return of minor children Up to $50,000 (not subject to deductible or coinsurance).
Emergency Reunion Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance).
Acute onset of pre-existing condition emergency medical evacuation Covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions).
Acute onset of pre-existing condition Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
Emergency dental (acute onset of pain) Up to $300 (not subject to deductible or coinsurance).
Accidental death & dismemberment Members under age 18: Up to $5,000 lifetime maximum.
Members age 18-69: Up to $25,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group.
Accidental death & dismemberment buy up : $25,000
Common carrier accidental death Up to $50,000 for ages 18 through 69
Up to $10,000 under age 18
Up to $25,000 for ages 70 through 74
Up to $12,500 for ages 75 and older
Maximum of $250,000 for any one family or group.
Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurrence (plan deductible is waived).
Lost checked luggage Up to $1000 (not subject to deductible or coinsurance).
Trip interruption Up to $10,000 (not subject to deductible or coinsurance).
Travel delay Up to $100 a day after a 12-hour delay period, maximum of 2 days.
Natural disaster Up to $250 a day for 5 days (not subject to deductible or coinsurance).
Political evacuation Up to $10,000 lifetime maximum (not subject to deductible or coinsurance).
Terrorism Up to $50,000 lifetime maximum for eligible medical expenses only.
Hospital indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Personal liability Up to $25,000 lifetime maximum
Up to $25,000 third person injury
Up to $25,000 third person property
Up to $2,500 related third person property
Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit)..
Lost or Stolen Passport/Travel Visa Up to $100 – not subject to deductible
Outpatient physical therapy and chiropractic care Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).
Pet return Up to $1,000 (not subject to deductible or coinsurance).
Bedside visit Up to $1,500 (not subject to deductible or coinsurance).
Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses) Up to $10,000 (not subject to deductible or overall maximum limit).
Border Entry Protection Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border(not subject to deductible).
Local Burial or Cremation Up to the overall maximum limit(not subject to deductible).

Tokio Marine HCCMIS Resourceful Travel Insurance Links

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