Ask Our Specialists

1. As the healthcare costs are very high in the U.S., you should buy as much as you possibly can. 2. It will cover during the travel time also provided the insurance is effective during that time. Insurance is effective at 12.01 AM Eastern on the day you specifiy. Keeping the time zone difference in mind between the US and India, you may want to consider putting the effective date one day in advance of the travel date. I hope this answers your questions. If you have any additional questions, please feel free to post them here or contact us at any time.

Thanks a lot for a quick and prompt response but I have a doubt for your below response. 1. It will cover during the travel time also provided the insurance is effective during that time. Insurance is effective at 12.01 AM Eastern on the day you specifiy. Keeping the time zone difference in mind between the US and India, you may want to consider putting the effective date one day in advance of the travel date. My parents start date from India is 4/16/2012, but atlas america is not allowing me to put the insurance effective date before 4/16/12. In such case, can I put travel date as 4/15/2012 so that I can purchase insurance from a day ahead of travel date. Thanks Sathish

Yes, that is how you should do it.

Thanks for that. I have purchases the ATLAS AMERICA at INSUBUY. When can I expect the package with all the documents to be delivered home. Also, I took it for a month and will renew it each month. Hope I can do so with the ATLAS AMERCIA

1. You should the emaill confirmation immediately after purchase. You can also download all the documents online at any time at /myaccount/ Insurance papers by regular mail are mailed to you on the next business day and should arrive in few days within the U.S. 2. Yes, you can certainly extend the insurance before it expires. You simply visit /myaccount/ and do it online. Alternatively, you can also call us at any time and we can extend it over the phone. I hope that answers all your questions. If you have any further questions, please feel free to post them here or contact us at any time.

Hello, I am trying to renew the Atlas America policy. But, I just found that rather than renewing if I take a new Atlas America policy effective from the termination of the existing policy I'll be saving $72.00 for 2 people. Please let me know why this much of difference. Thanks Sathish

You should definitely renew, rather than purchasing a new policy, because of at least the following reasons: 1. If the person has already developed some condition during the previous policy period (whether he knows about it or not), it will be considered as pre-existing condition and not covered in the new policy. However, if the policy is extended, it would be covered in the new duration as long as it would have been covered in the previous duration, provided there is no gap in coverage dates. 2. Effective May 1, 2012, acute onset of pre-existing conditions is effectively restricted to people under the age of 55 years. If you renew/extend, it would still be under 70 years. I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time.

Hello, Thanks a lot for answering my queries. But, I would rather prefer to purchase new policy (for $240.00/two persons) and then keep renewing each month for the next 4 months, instead of renew/extending the existing policy (for $312.00/two persons), because no NEW health condition will develop in a month's time until and unless it is an bodily injury/accident. If suppose I extend the current policy after a bodily injury/accident which took place during the current policy period will this incident be covered?? Please let me know if I am wrong with my understanding. Thanks kvvsm

1. You never know what would happen (or what has already happened). But is finally up to you. If you would like to buy the new one, you can do so at /atlasamerica-insurance/ If you would like to extend the current one, you can do so at /myaccount/ 2. As long as it was covered in the previous policy period and you extend before it expires (that is, no gap in coverage and no repurchase), it would be covered after you extend the insurance. I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time.