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In reading the Atlas America plan details, I had some questions: 1. Geographic Restrictions state: US states - physical presence at time of application. Unavailable: Maryland, New York, Washington - can you explain what this means? 2. Atlas Series - Outstanding Restrictions: Includes individual travel, multi trip, and group insurance in Atlas series of products. Please explain what this means.


We would be glad to advise.

The physical presence restrictions on the Atlas America plan apply to the U.S.  states of New York, Maryland, and Washington.  The restriction means that if the proposed insured is in any of those states when trying to purchase the insurance, they cannot purchase it, and would have to choose a different plan.  If they are not physically in one of those states at the time of purchase, then purchasing is fine.

So for example,  I have a visitor coming to visit me from Spain and I live in New York.  If they have not yet arrived in New York, I can buy this plan and once they do arrive, they will have coverage in New York as well as all other 50 states. 

If they have already arrived in New York, I cannot purchase this plan for them.

As far as your question about the Atlas Travel Series- it means all plans under the Atlas group have the same above restrictions.  So for example, Atlas America, Atlas Essential, Atlas Premium America., etc.

If you have any additional questions, please let us know.

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