U.S. government: Coronavirus (COVID-19) information

CDC: Coronavirus (COVID-19) Travel Advice

Tokio Marine HCC-MIS: How Coronavirus Affects Your Coverage

If You Purchased Your Atlas Policy on Or After July 15, 2020 : Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.  

How to buy Atlas America Travel Medical Insurance?

Atlas Travel Medical Insurance Atlas America plan is a visitor health insurance policy designed to provide medical and travel benefits, as well as emergency travel assistance to take the risk out of international travelers visiting the USA. Atlas America insurance is available to individuals, families, and groups from over 180 countries. You get access to quality care and are protected against the costs that can incur from unexpected medical and/ or travel emergencies.


Customize and Select Atlas America Insurance Plan

After getting a free Atlas Travel Medical Insurance quote, next you can customize coverage options and compare insurance costs. 


You can customize your plan that best fit your needs and budget by selecting (1) Atlas America Plan or Atlas America Premium Plan, (2) maximum coverage amount, and (3) deductible. 


Total Policy Amount is the amount of money that you pay for your insurance policy.  In this example, Atlas America Plan costs $77.70, Atlas America Premium Plan costs $150.00.  If you entered birthdates of two or more applicants previously, Total Policy Amount is the total cost of insurance for all applicants.


Atlas America Travel plan and Atlas America Premium plan provide same medical and travel benefits. Premium plan has higher coverage amount for some essential travel benefits. Read more to compare Atlas Travel plan and Premium Plan

Maximum is the maximum amount of eligible expenses that Atlas insurance pays for covered medical and travel benefits. Deductible is the amount of eligible expenses that you must pay before eligible expenses are paid by the insurance. The amounts shown as Maximum and Deductible are for each applicant. More about Maximum Coverage Limit and Deductible.


You may customize your plan by changing Maximum and/ or Deductible amount, your Total Policy Amount (insurance premium) will be recalculated and displayed immediately.


* If there is more than one applicant and the applicants require different Maximum and/or Deductible amount, you need to apply separately.


Once you customize and select a plan, you can click the " Buy Now" button to start your application. Continue to: add destination and optional coverages, fill in applicant’s information, check out, receive confirmation and your insurance documents



Understanding Maximum Coverage Limit and Deductible

Atlas America policies are flexible and budget-friendly. You have options to customize your plan that best align with your needs.


Maximum Coverage Limit

Maximum means the maximum amount of eligible expenses that Atlas Travel Medical Insurance pays for all covered medical and travel benefits. Higher maximum coverage means your insurance pays out more, so you have to pay more for your insurance policy.


For both Atlas America plan and Atlas America Premium plan, applicants under 70 years old may select an overall Maximum limit of $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000. 


Applicants age 70-79 may select Maximum amount of $50,000, $100,000, or $ 150,000. 


For applicants age 80 years or older the Maximum limit is $10,000 (Atlas America plan) or $20,000 (Atlas America Premium plan).


* Emergency Medical Evacuation, Accidental Death & Dismemberment, Common Carrier Accidental Death, Personal Liability, and Crisis Response benefits are not subject to overall maximum limit. 


Deductible

Deductible means the dollar amount of eligible expenses, specified in the Schedule of Benefits and Limits that you must pay per certificate period before eligible expenses are paid. The higher Deductible amount you choose, the lower your pay for your insurance policy. 


Deductible amount mainly applies to medical expenses, most travel benefits are not subject to deductible. You can select a Deductible amount of $0, $100, $250, $500, $1,000, $2,500, or $5,000.


If you want to buy a cheap travel medical insurance plan, then select a low maximum and high deductible plan with the same comprehensive coverage that fits your needs and budget.

Are you an exchange visitor or accompanying spouse and dependents entering the U.S. as holders of J-1 or  J-2 visa?


Atlas America Travel Medical Insurance meets U.S. Department of State J-1/ J-2 visa  insurance requirements. Your Maximum amount must be $100,000 or higher, and Deductible must be $500 or less.