Atlas America Insurance

Review the Atlas America plan brochure for coverage benefits or the detailed description of coverage document for plan exclusions and in-depth policy information.

Disclaimer: The information provided on this page is only a summary, be sure to read plan brochure for complete details.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and plan costs are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted.
Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period.
This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA).
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator.

Atlas America Insurance – Plan Changes/Notes

Updated benefits/rates for Atlas Series plans effective April 15, 2021:

• New benefit: Quarantine benefit – $50 per day /max 10 days of coverage.
  • Must have a minimum of 30 days of coverage. Proof of quarantine mandated by a physician or governmental authority required. Quarantine must be due to you testing positive for COVID-19/SARS-CoV2, or you are symptomatic and waiting on diagnostic test results.
  • Not available while in your home country.
  • Not subject to deductible
• Policy wording updated to reflect that virtual physician visits are covered the same as in-office visits

Updated benefits/rates for Atlas Series plans effective July 15, 2020:

• Rate changes for Atlas Travel, Premium, Essential, and Group plans.
• Benefit changes to remove policy maximums of $250K, $500K, $1M, and $2M for ages 65-69 years, and the $150K policy maximum for ages 70-79 years.
• For all Atlas Series plans, for policies purchased on or after July 15th, COVID-19 will be treated as any other eligible illness. The epidemic/pandemic exclusion has been updated, including an exception for COVID-19, allowing for COVID-19 to be covered as any other eligible illness.
• NOTE: For policies purchased after March 27, 2020 and before July 15, 2020, plan offers NO coverage for testing/treatment of coronavirus (U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 travel warning to avoid nonessential travel).
• Additional clarification added to Acute Onset of Pre-Existing Conditions in the certificate wording.
• Additional instruction added in the Arbitration section in the certificate wording.
• The Atlas quote engine purchase experience has been optimized and redesigned for a more seamless frontend user experience.

Updated benefits for Atlas Series plans effective July 10, 2018:

• Acute Onset of Pre-Existing Condition benefit is being extended to ages 70-79, with a $100,000 maximum limit.
• The urgent care clinic copay is being reduced from $25 per visit to $15 per visit. This includes walk-in clinics

Updated benefits for Atlas Travel Insurance effective April 1, 2018:

• Newly added Border Protection Benefit of $500.
• Natural Disaster – Replacement Accommodations benefit increased from $100 to $250 per day.
• Political Evacuation Benefit increased from $10,000 to $100,000.
• Emergency Reunion Benefit increased from $50,000 to $100,000.
• Trip Interruption Benefit increased from $5,000 to $10,000
• Urgent Care Facility Co-payment decreased from $50 to $25. This co-payment does not apply to our $0 deductible option.
• Individuals between the ages of 70-79 will be able to select a coverage maximum of up to $150,000 per certificate period.
• Our $200,000 coverage option will be replaced by a $250,000 coverage option.
• Adding a $5,000 deductible option.
• Adding an Emergency Eye Exam benefit.
• Coinsurance will be waived for Outpatient Physical Therapy.
• Recreational Soccer will be a covered sport.

Changes and enhancements from August 1, 2012 for Atlas Travel Insurance:

• Acute onset of pre-existing medical condition coverage has been increased from US$20,000 to US$50,000.
• Non-U.S. citizens/residents whose travel excludes the U.S. can purchase up to a 365 day certificate period. All other members are limited to a 364 day certificate period maximum.
• ER treatment for illness – A $200 co-pay will apply (in addition to the deductible) if not admitted to the hospital as an impatient. Only applicable to claims incurred inside the U.S.
• Urgent Care Facility Benefit – Deductible is waved and replaced with a $50 co-pay when claim is incurred at an Urgent Care Facility. Only applicable to claims incurred inside the U.S.
• Cardiovascular Events limited to $50,000 for ages 55-79 with specified contributing conditions. All others limited to overall policy maximum unless pre-ex or acute onset.
• Increased benefit for Return of Minor Children with maximum increased to $50,000 .
• Added Local Burial or Cremation Benefit with $5,000 lifetime limit.
• Non-U.S. Citizens permitted a maximum of 30 days per 3 month period incidental home country coverage for Atlas Travel and Atlas Group members.
• Acute onset of dental pain coverage has been increased to a maximum of $250 per certificate period.
• Coverage for adventure sports (previously only available under the Sports Rider) are now included in all Atlas Travel policies at no additional cost.
• Plan Features: The minimum period of coverage that can be purchased under Atlas America Insurance is 15 days and the maximum is 12 months. Atlas America coverage can start as early as next day. You do not need medical records or a physical exam to sign up. Optional Hazardous Activity Coverage is available – Medical Expense coverage for activities normally excluded from coverage such as motorcycling, scuba diving, skiing and whitewater rafting.
• Plan Notes: Hospital Expense Coverage Limit: Up to policy maximum Intensive Care Expense Coverage Limit: Up to policy Maximum Outpatient Doctor Office Coverage Limit: Up to policy Maximum The term “Pre Existing Condition” means any Injury or Illness which was contracted or which manifested itself, or for which treatment or medication was prescribed three (3) years prior to the effective date of this insurance.”

Atlas Travel Insurance plan rates will not be increased with the addition of these benefits effective April 1, 2017.

• Coverage Maximum is increased with newly added USD 2 Million coverage period maximum
• Additional Buy-Up with addition of a Natural Disaster Evacuation benefit to the Crisis Management buy-up: Kidnap and Ransom ($90k) + Natural Disaster Evacuation ($10k sublimit).
• Addition of chiropractor care to physical therapy benefit – $50/day (must be ordered by physician).
• Waive the $50 Urgent Care Facility co-pay for the $0 deductible option.
• Removal of the direct-billing-by-provider component that is necessary to waive the coinsurance requirement
• Eligible U.S. claims incurred inside the PPO network will be paid at 100% after the plan’s deductible.
• Provide a Vantage America drug discount card for policies with U.S. as a destination.

Review the plan brochure for coverage summary of benefits.

• Plan Brochure: Review the Atlas America Insurance Plan Brochure for policy summary of benefits table.

Review the plan detailed description of coverage document for plan exclusions and in-depth policy information.

• Description of Coverage: Review Atlas America Plan Description of Coverage for policy details including detailed information on plan exclusions.

Atlas Travel 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 UnitedHealthCare or FirstHealth (check back of ID card).
• International Provider Network: Find limited international providers and caregivers outside the United States.

Get a free Atlas America Insurance cost with premium quote, apply & buy Atlas America Insurance instantly online, or print/complete the paper application along with the payment.

• Quote/Buy Online: Get instant quote & Buy Atlas America Insurance coverage with online application.
• Application Form: Complete, mail/fax the Atlas America Insurance Paper Application along with requisite premium payment.

Atlas America 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 America Insurance Renew Online.

Atlas America 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 America Visitor Insurance Client Zone for existing policyholders.
• Claim Form: Submit the Atlas America Visitor Insurance Claim Form along with your bills and other supporting documents on the Client Zone for review and settlement.

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.