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Atlas America®

Non-U.S. citizens traveling to the U.S.

5 Days to 364 Days

How Atlas America® Insurance Works


You pay the deductible once per policy period, even for Dr. visits.


Plan pays 100% up to the selected policy maximum. Outside the PPO network, you may be responsible for any charges exceeding the payable amount.


Atlas America® is a comprehensive coverage plan for non-U.S. citizens traveling outside their home country. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as today or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Physical cards along with the policy will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.

Further information about Atlas America Insurance.

What is covered and not covered?

The insurance company will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any routine expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.

For persons below the age of 70 years, Atlas America® covers up to overall policy maximum for acute onset of pre-existing conditions.

U.S. Urgent care visit is $50 copay and not subject to deductible; if your deductible is $0, the $50 copay is waived. After which co-insurance may apply; if applicable. If you visit the emergency room for a sickness (not for injury) for which you are not admitted into the hospital, there is $200 penalty per visit.

Prescription drugs are covered like any other eligible medical expenses.

Emergency Dental Treatment to sound and natural teeth is covered in the case of an Accident under this insurance, and up to $250 for acute pain to sound and natural teeth. For any practical dental coverage, consider a low cost plan from CAREINGTON that provides excellent coverage.

Atlas America® provides coverage anywhere outside of your home country including travel time as well. It also covers loss of checked luggage.

How do I use the insurance?

Please look at the detailed description.

How much is covered?

First, you will have to pay your chosen deductible once per policy period (varies from $0 to $2,500) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for hospitalization. There is no concept of copay, except for U.S. Urgent Care visits and visits to the emergency room for an illness that does not result in admission to the hospital.

After that, within First Health PPO network, the plan pays 100% up to the selected policy maximum, ranging from $50,000 to $2,000,000, depending upon your age. Otherwise, it will pay the usual, reasonable, and customary charges not exceeding the payable amount. In other words, you will have to pay out of your pocket for treatment received outside the PPO Network. (Outside the U.S. the plan pays same as if in the PPO network.)


Lets assume that you have purchased a $50,000 policy maximum with a $250 deductible for 3 months.

  • Let's assume that the doctor charges you $150/visit and you need to visit several times.

    The first time you visit the doctor, you will have to pay all of that $150 yourself. You still have $100 left towards the unsatisfied deductible.

    On the second visit, you will have to pay $100 yourself. You have now completely satisfied your deductible once per policy period. If you visit the provider in the network, the plan pays the remaining $50. Otherwise, it will pay the usual, reasonable, and customary charges not exceeding the payable amount.

    For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. If the provider were out of the network, the insurance company will continue to pay the URC of covered medical expenses, you would pay anything that exceeds the payable amount.

    If you incur any expenses beyond $50,000, you will be responsible to pay that amount.

  • Let's assume that you were in an accident and are hospitalized for 2 days.

    The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $250 deductible, and the insurance company will pay the rest as long the hospital is in the network. Otherwise, you pay the $250 deductible plus the costs exceeding the payable amount of usual, reasonable, and customary charges.

    Even if you extend your insurance, you don't have to pay the deductible again.

  • You visit an urgent care. You simply pay $50 copay. Urgent care visit is not subject to deductible. (If you had selected a $0 deductible, then you would not pay a $50 copay). As long as you go within the PPO Network, there would not be any co-insurance.

  • You go to an emergency room for a sickness. The hospital does some test and gives some treatment but does not admit you. In additional to your deductible and applicable coinsurance, you will pay to additional $200 penalty for that visit, because you were not admitted. However, if it were an injury or accident, you wouldn't have to pay $200 penalty, even if you were not admitted.

Benefits Updated: 11/15/2017

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don’t need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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