Atlas America® Insurance

For international visitors unfamiliar with the U.S. healthcare system, questions of health and safety can be a major source of travel anxiety. Would you be able to seek treatment if you suffered an injury or unexpected illness while exploring the country? Would your medical expenses be covered by your home country health insurance policy?

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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If the answer to either of these questions is no, then it’s time to explore your travel medical insurance options.

What is Atlas America insurance?

Atlas America is a travel medical insurance policy for non-U.S. citizens and residents visiting the United States. Available to individuals, families, and groups, Atlas America insurance can cover individuals from most countries who are at least 14 days old and traveling to the U.S. from abroad.

Policies must cover a minimum of 5 days, though you do not have to travel all 5 days to be eligible for coverage. Coverage is available up to 364 days.

What benefits does Atlas America provide?

Atlas America insurance provides benefits for eligible medical expenses incurred in the U.S., including Hospital Room and Board, Local Ambulance, Emergency Medical Evacuation, Intensive Care Unit, and all other eligible costs.

It also provides supplemental travel benefits like Trip Interruption, Travel Delay, and Lost Checked Luggage.

Key features of Atlas America insurance include:

  • Up to $2,000,000 in maximum coverage per covered injury or illness and per certificate period
  • Your choice of deductible ranging from $0 to $2,500 per certificate period
  • Coinsurance at 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the maximum coverage limit. Within the Preferred Provider Network (PPO), coinsurance is waived and eligible expenses are paid at 100% after the deductible, up to the overall maximum.
  • Provider network with over 5,000 hospitals and more than 90,000 healthcare facilities throughout the U.S.
  • Free travel assistance services available in multiple languages 365 days a year

Other Atlas America highlights:

  • Accidental Death & Dismemberment (AD&D)
  • Repatriation of Remains
  • Political Evacuation
  • Terrorism
  • Natural Disaster
  • Personal Liability

To see the full list of Atlas America insurance benefits and exclusions, see the Description of Coverage

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Why choose Atlas America insurance?

Quality Protection

You will receive 100% coverage for eligible medical expenses inside the Preferred Provider Network (PPO) – after the deductible and up to the overall maximum limit – for injuries and illness incurred inside the U.S.


Atlas America policies are flexible and budget-friendly. They allow you to select the deductible, length of coverage, and coverage maximum that best align with your needs.


You can buy online and receive your policy documents immediately. Plus, your fulfillment document will include instructions on how to seek medical treatment, how to file a claim, and how to contact the customer service department with additional questions.

Wide Provider Network

Our provider network covers all 50 states, with easy access for the majority of the United States.

Year-Round Assistance

As an Atlas America policyholder, you will receive access to our full line of travel assistance services, available in multiple languages 365 days a year. These services include:

  • Lost passport and travel documents assistance
  • Assistance with emergency cash transfers
  • Embassy and consulate referrals
  • Legal and accounting referrals
  • Provider referrals

Easy Extensions

You can extend your insurance (5-day minimum) up to a maximum of 364 days from your initial coverage start date. Provided there is no break in coverage, you will not be required to re-satisfy your deductible or coinsurance and your benefit limits will not reset.

Cancellation Available

If you need to cancel your policy, you can submit a written cancellation request to Tokio Marine HCC – MIS Group prior to your effective date of coverage for a full refund. If Tokio Marine HCC – MIS Group receives the cancellation request after the effective date of coverage, only the unused portion of premium will be refunded and a $25 cancellation fee will apply. No refund will be issued for policies that have submitted claims.

Be sure to review the cancellation policy so you know whether you’ll be eligible for a refund and whether fees will apply.

What happens if you get sick overseas? Guarantee you have health coverage.

Does Atlas America meet United States visa requirements?

As a USA visitor, you may need a visa in order to gain entry to the United States. Whether or not you’ll need a visa is determined by your country of citizenship. The type of visa you'll need is dependent on the purpose of your travel.

Here are just a few common USA visitor visa types:

  • Visitor Visa: For people coming to the U.S. for a short period of time – typically 6 months or less – to visit children or relatives, tour, or vacation
  • Temporary Worker Visa: For individuals coming to the U.S. for a fixed period of time to receive job training or perform short-term or seasonal work
  • J-1 Visa: For USA visitors enrolling in work-and-study-based exchange programs in order to teach, study, conduct research, or receive on-site job training in the U.S.

In order to be approved for your visa, you’ll need to fulfill visa requirements. While your visa may not require you to have travel medical insurance, it may require you to show proof of funds to cover expenses incurred in the United States.

One way to evidence these funds is to purchase a travel medical policy like Atlas America, which provides policyholders with a visa letter to serve as proof of medical coverage.

Atlas America also meets the minimum insurance requirements of a J-1 visa as established by the U.S. Department of State.

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Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s, London. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.