Atlas Premium America

High end travel medical insurance for USA

5 Days to 364 Days

How Atlas Premium America Insurance Works


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


Plan pays 100% up to the selected policy maximum.


Atlas Premium 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. After purchase, ID cards can be downloaded from MyAccount at any time; there is a link in the purchase confirmation email. If you request mailing during the application, then physical ID cards, along with the policy will be mailed to you the following business day. If mailed within the United states, you should receive your documents within five to seven business days.

Further information about Atlas Premium America Insurance.

What is covered and not covered?

The insurance company will generally pay for new medical conditions, illnesses, 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 80 years, Atlas Premium America covers up to overall policy maximum for acute onset of pre-existing conditions.

In the U.S., an Urgent care or Walk-in Clinic visit is $15 copay and not subject to deductible; if your deductible is $0, the $15 copay is waived. Should you visit the emergency room for a sickness (not for injury) and you are not admitted into the hospital, there is $200 penalty per visit.

Prescription drugs are covered like any other eligible medical expenses. More information.

Emergency Dental Treatment to sound and natural teeth is covered in the case of an Accident under this insurance, and covered only up to $300 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 Premium 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 $5,000) 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 or Walk-in Clinic visits and visits to the emergency room that does not result in admission to the hospital.

After that, the plan pays 100% up to the selected policy maximum, ranging from $50,000 to $2,000,000, depending upon your age.


Let's 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. The plan pays the remaining $50.

    For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again.

    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.

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

  • You visit an Urgent care or Walk-in Clinic. You simply pay $15 copay. Urgent care visit or Walk-in Clinic is not subject to deductible. (If you had selected a $0 deductible, then you would not pay a $15 copay.)

  • You go to an emergency room for a sickness or for an injury. The hospital does some test and gives some treatment but does not admit you. In additional to your deductible, you will pay an additional $200 penalty for that visit because you were not admitted.

Benefits Updated: 07/15/2020

Did you know?

Prices are regulated by law.

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

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Why buy 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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