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Atlas Premium International

5 Days to 364 Days

How Atlas Premium International Insurance Works

First

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

Then

Plan pays 100% up to the selected policy maximum.

Overview

Atlas Premium International is a comprehensive coverage plan for persons traveling outside their home country and outside the United States. You can obtain an instant quote and/or purchase online using 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 5 - 7 business days within the United States.

Approximately 15 minutes after the purchase, you can download the visa letter from the Client Center, which is a requirment for the Schengen visa. This letter is enough proof to present to the consulate and no other insurance documents are required.

What is covered and not covered?

The insurance company will generally pay for new medical conditions, injuries or illnesses 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.

Atlas Premium International covers for acute onset of pre-existing conditions for persons below the age of 70 years up to overall policy maximum and 70 - 79 up to the lower amount of either the selected policy maximum or $100,000.

US Urgent care visit or Walk-in Clinic is $15 copay and not subject to deductible. If you visit a US emergency room for a sickness (not 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.

Atlas Premium International provides coverage anywhere outside of your home country and outside the U.S. including travel time. It also provides coverage for 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 begins paying anything for the covered expenses, even for doctor visits. You will need to pay the full amount of your chosen deductible until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay.

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

Example:

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 $200/visit and you need to visit several times.

    The first time you visit the doctor, you will have to pay all of that $200 yourself. You still have $50 left towards the unsatisfied deductible.

    On the second visit, you will have to pay $50 yourself. You have now completely satisfied your deductible once per policy period. After that, the plan pays the remaining $150.

    For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance company will pay 100% for covered medical expenses, up to $50,000. 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 3 days. The hospital charges $12,000 per day for a total bill of $36,000. 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.

Benefits Updated: 07/10/2018

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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