Atlas America Travel Insurance Review

Atlas America Travel Insurance is a comprehensive plan that offers wide coverage to foreign citizens traveling to the US and other international destinations. It is administered by a reputed US-based insurance company, HCC Medical Insurance Services, and underwritten by Lloyds. One of the key advantages of this policy is that it offers coverage for the onset of a pre-existing condition.

Atlas America Insurance is great for parents, relatives or friends visiting the US. It also meets the requirements set by the US Department of State for J1 visa holders. This plan pays 100% up to policy maximum within the PPO network, after the deductible, for medical expenses. The insurance can be bought for anyone who is above the age of 14 days.

Atlas America Travel Insurance Benefits

The policy offers various benefits, such as coverage of hospital rooms charges, surgeon fess, local ambulance charges, emergency room, intensive care unit expenses, pre-admission tests and diagnostics charges like that for X-rays, as well as lab charges, says an article on Visitor Insurance Services. Other than providing medical coverage, this insurance also provides cover for emergency services, such as emergency evacuation, loss of baggage, trip interruption, return of remains, return of children and emergency reunion for travellers.

It offers a wide coverage period from 5 days to 365 days. It is a flexible and transparent insurance policy that can be both cancelled and renewed. One of the most beneficial aspects of this plan is that you need to pay the deductible only once in the entire policy period. It also provides other benefits, such as cover for local cremation or burial and terrorism. You can see the details of the plan on this website.

Limitations of the Plan

Although the policy has a wide PPO network in America, it does not have a PPO network outside the US. The plan offers relatively small coverage of $25,000 for visitors aged 70-79 years, while for visitors aged 80 and above, the coverage is lowered to $20,000. This insurance policy is not available for citizens of some countries, including North Korea, Cuba and Iran. Make sure that you are not located in New York, Canada, Maryland, Washington and Australia while buying this policy.

The policy doesn’t provide coverage for preventive care, such as vaccinations, treatment for injuries from dangerous activities, maternity care and treatment for psychological disorders. Moreover, if you are not admitted to a hospital within the PPO network at the appropriate time, you will have to pay the Emergency Room expenses from your pocket. You need to get the treatment done within 24 hours.

Customer Feedback

Many customers have expressed satisfaction with Atlas Travel Insurance. They have said that they had a good experience with the company. One of the policyholders reported that her mother was diagnosed with kidney stones during her visit to the US for 2 months. She was hospitalized within the PPO network and given pain killers and a CT scan. The total medical expense amounted to $10,000. The insurance company covered their share of the charges and provided excellent support at that time.

All insurance policies will have their pros and cons. Make sure you go through the fine print to make an informed decision.

About the author

Mani Karthik

Hi, Mani Karthik here. Having lived in USA, India & Middle East, and worked for big MNC's to startups, I have a lot to share with you. My aim is to help people, by sharing everything I've learned in life. Here's my full story. Connect with me on FacebookInstagram, Twitter or WhatsApp (+001-408-489-4785). This blog is read today, by more than 300K people world over! Here's my guide on how you can start a blog like this. :)

Add Comment

Click here to post a comment

Who is Mani Karthik?

I started this while in Los Angeles, USA. Having lived in USA, India and UAE, I share everything that I’ve learnt in life. From spirituality to personal finance and everything in between. Come join my pursuit to happiness! Here’s more about me and how I make money blogging.

Make Money Blogging

Add me on Facebook.

Follow on Twitter.

Add on LinkedIn.

Follow on Instagram.


Do You Want to Make Money from Blogging?

Get step by step information on how to become a successful blogger like me. I share everything I've learned in the last 10 years - All FREE!

Here's what you will get..

- How to make money online via blog.
- Complete steps to start your blog.

- Ways to make money from your blog.
- Ways to make your blog look professional.
- Ways to make your blog popular.
- And some secret tips! (Exclusive)

Enter your email address and get free tips in your inbox. Stop anytime if you don't like it.


Awesome! Please check your email for information.