Travel Medical Insurance policy for non US-Citizens, traveling internationally including USA.
Atlas Essential(A.M. Best Rating: A) is a comprehensive travel medical insurance plan that provides affordable medical coverage for visitors traveling to the United States. It combines flexible deductible options, emergency medical benefits, travel assistance, and access to the UnitedHealthcare PPO network, making it an excellent value for family visits, vacations, and temporary stays. Coverage is available from 5 days to 365 days.
While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 70% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay URC of eligible medical expenses, up to the selected policy maximum.
Atlas Essential does not cover pre-existing conditions.
Review the Atlas Essential policy documents for complete coverage details, exclusions, and limitations.
After the deductible, plan pays 70% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays URC of eligible medical expenses up to the policy maximum
Emergency Medical Evacuation
Info
Up to $500,000
Urgent Care Visits
Info
$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to the deductible. Please review policy documents for more information.
Emergency Room Services
Info
Injury: Not subject to ER co-payment Illness: Subject to a $200 deductible if treatment does not result in a hospital admission
Emergency Dental Coverage
Info
Up to $300 for emergency dental accident and acute onset of pain. Not subject to the deductible.
Prescriptions/Medication
Info
Policy will cover average cost for prescription and medications based on the local rates (Usual Reasonable, & Customary). Subject to Deductible
COVID-19 Coverage: Included
Info
Treatment for COVID-19 is covered if contracted after the policy effective date. Testing for Covid-19 is covered only if ordered by a physician. Vaccination/Boosters are not covered.
Pre-Existing Conditions: No Coverage
For non U.S residents and non U.S citizens traveling to the U.S
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 365 days in a policy period
Extendable for up to 365 days
Plan can be purchased after arrival at the destination
Residents & Citizens of UK may purchase coverage for a maximum of 119 days
Not Available for the following Destination Countries: Belarus (BLR), Congo, The Democratic Republic of (COD), Cuba (CUB), Iran (IRN), Israel (ISR), Lebanon (LBN), North Korea (PRK), Palestinian Terr. (PSE), Russia (RUS), South Sudan (SSD), Uganda (UGA) & Ukraine (UKR).
Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK), Puerto Rico (PRI), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR).
Not available for Citizens of: Cuba (CUB), Puerto Rico (PRI), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR).
Not available for purchase if the traveler(s) is physically present in {us_states_restrictions_phys}. The policy will still cover the traveler(s) visiting and temporarily staying in these U.S. states.
Not available to individuals who are physically located in the country of: Australia (AUS), Austria (AUT), Belgium (BEL), Bulgaria (BGR), Canada (CAN), Croatia (HRV), Cyprus (CYP), Czech Republic (CZE), Denmark (DNK), Estonia (EST), Finland (FIN), France (FRA), Germany (DEU), Greece (GRC), Hungary (HUN), Iceland (ISL), Ireland (IRL), Italy (ITA), Latvia (LVA), Liechtenstein (LIE), Lithuania (LTU), Luxembourg (LUX), Malta (MLT), Netherlands (NLD), Norway (NOR), Poland (POL), Portugal (PRT), Romania (ROU), Slovak Republic (SVK), Slovenia (SVN), Spain (ESP), Sweden (SWE) & United Kingdom (GBR).