Anticipation. Excitement. Stress. If you’re in the process of planning a trip to the USA, you’re probably brimming with enthusiasm—and perhaps more than a little overwhelmed. While booking a flight tends to be relatively straightforward, there’s one aspect of your trip that might seem a little tricky: insurance.
Because many standard medical insurance policies do not cover you outside of your home country—and because people in the United States are responsible for their own healthcare costs—travel health insurance is vital for USA visitors. But for those unfamiliar with the U.S. healthcare system, it can be tough to know what to look for in a plan.
Check out the frequently-asked questions below to learn more about what’s available to you—and discover why Atlas Travel may be the perfect choice for your U.S. adventure!
You’ll want to ensure that your maximum coverage limit (the maximum amount of money your travel medical policy will pay toward your eligible expenses) is significant enough to cover costly medical bills that could result from an unexpected medical emergency or hospital stay.
Atlas Travel offers up to $250,000 in coverage to those age 70 to 79 and up to $2,000,000 in coverage to those age 69 or younger. Individuals age 80 and above are eligible for a maximum coverage limit of $10,000.
Because healthcare in the U.S. can be expensive, it’s important to have a policy that provides a wide variety of benefits. Should you become unexpectedly injured or fall suddenly ill, a policy like Atlas Travel can cover eligible expenses like:
Atlas also provides supplemental travel benefits (see “I’m taking multiple flights…” Q&A) and travel assistance services (see “How can I get assistance…” Q&A) to aid in your travel.
*The Personal Liability benefit provides coverage for certain costs for which you are legally liable (see the Description of Coverage for more details).
*The Emergency Reunion benefit provides transportation for one relative to the location in which you are hospitalized following a covered emergency medical evacuation. It also provides meals and lodging for the relative for up to 15 days.
*The Bedside Visit benefit provides transportation for one relative to the hospital in which you are confined to the intensive care unit following a covered, life-threatening injury or illness.
The more frequently you travel, the more likely you may be to run into severe weather or experience a mishap like the airline losing your luggage. For these types of circumstances, Atlas Travel offers the following benefits:
No matter where you seek treatment, you will be covered for eligible expenses after the deductible and up to your overall maximum limit. Plus, you will have access to our online directory of over 5,000 hospitals and more than 90,000 healthcare facilities so you can locate a nearby medical provider – no matter where you are in the United States.
After you purchase an Atlas Travel policy, you can extend your coverage (5-day minimum) up to a maximum of 364 days from your initial coverage start date. Provided there is no break in coverage, you will not be required to re-satisfy your deductible and your benefit limits will not reset.
When you purchase an Atlas Travel policy, you’ll be provided with instructional information in addition to your declaration page (the details of your specific policy), description of coverage, and medical ID card. These instructions will explain how to seek medical treatment, how to file a claim, and how to contact the customer service department with any questions you may have.
With an Atlas Travel policy, you’ll have full access to a number of travel assistance services available in multiple languages 365 days a year. These services include:
Atlas Travel allows you to personalize your coverage to meet your family’s needs by choosing your level of coverage and deductible. Those seeking additional coverage and security may select buy-ups upon purchase, and those seeking the highest possible coverage limits can upgrade to Atlas Premium.
Certain types of expenses are excluded from Atlas Travel insurance. Some of the more asked-about exclusions include:
For a full list of exclusions, be sure to read through the Atlas Travel Description of Coverage.
*A pre-existing condition is any condition:
Learn when and where you're covered, how to use your insurance, how billing and payments work, and where to seek treatment.
Discover what information you'll need when purchasing a policy and get a step-by-step explanation of the process!