Atlas Essential America Insurance - Visitors Insurance USA

Atlas Essential America Insurance - Visitors Insurance USA

Atlas Essential America insurance is a low-cost comprehensive visitors medical insurance for persons visiting the United States.

When your relatives are visiting the U.S., you make a lot of arrangements in terms of passport, visitors visa, flight tickets, tours across the country. Some people even get the ethnic TV channels installed at their home for their parents.

However, it is extremely important to buy proper visitors medical insurance in case they get sick or injured unexpectedly while visiting the U.S., as healthcare expenses are very high in the U.S.

PPO Network / Cashless Billing

Atlas Essential America insurance participates in either United Healthcare PPO Network. There are many doctors and hospitals in the U.S. that will provide cashless billing.

Reputed Underwriter

Atlas Essential America insurance is underwritten by Lloyd's, the largest and oldest insurance marketplace in the world. With over 300 years of solid history, you can be assured that you will be taken care of properly in time of need.


With Atlas plans you have the flexibility to customize many of the following elements.

  • Purchase Duration: 5 days to 364 days.
  • Extension: You can extend for any number of days.
  • Cancellation: In case of earlier departure, you will get a pro-rated refund minus $25 cancellation, provided no claims have been filed since the original effective date.
  • Deductible Choices: Starting from $0 and up to $5,000.
  • Policy Maximum Choices: Ranging from $50,000 to $1,000,000.


Compared to classic Atlas America insurance, there are several restrictions, as there is no coverage for the following benefits:

  • Acute onset of pre-existing conditions for any age.
  • Complications of pregnancy. In case of elderly people, that is not a concern anyway.
  • Acute, unexpected dental pain. Consider purchasing Careington Dental/Vision Plan additionally.
  • Emergency reunion, return of minor children, trip cancellation or loss of checked luggage.
  • Accidental Death & Dismemberment, or Common Carrier Accidental Death.
  • Identity theft assistance.
  • Hospital indemnity.
  • Natural disaster benefit.

Additionally, there are reductions in benefits:

  • After deductible, it pays 75% to the selected policy maximum. In case of large expenses, you may end up paying a significant amount out of your pocket.
  • Benefit limit for Emergency medical evacuation and return of mortal remains is lower.

Therefore, if the person is healthy, the Atlas Essential America plan would be an excellent low-cost, comprehensive visitors insurance that would save some money as the premium is lower.

For initial purchase made on or after 07/15/2020, Atlas Essential America insurance provides the coverage for COVID-19 (Coronavirus) just like any other eligible medical condition that occurs after the effective date of the policy.

Plan Details

Direct Billing: Through United Healthcare PPO Network

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 are not 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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