Should a medical issue arise during your trip to United States, USA travel insurance ensures unnecessary medical expenses will not break your budget. From the very young to retirees, USA travel insurance offers coverage for groups, individuals and families. With a wide selection of physicians and medical facilities across the country – all searchable online – USA travel insurance has you covered.
If you are coming to visit the United States, you do not want to worry about how to pay for medical emergencies. USA travel insurance is medical coverage for you and your family from a U.S.-based company which understands American health insurance. USA travel insurance can be purchased for individuals as young as fourteen days of age and even for people travelling up to age 79 (or over 80 years old for Atlas International applicants), so you can have coverage for yourself as an individual, for your entire family or for your group.
HCCMIS® has a large network of physicians, hospitals, and laboratories, in metropolitan, suburban, and even remote areas of the United States which can all be searched easily online. When in-network providers are used for covered injuries or illness, there is zero coinsurance after your deductible has been met.
Should an unexpected recurrence of an existing illness or condition affect you while you are outside your home country, our USA travel insurance plan covers acute onset of pre-existing conditions for everyone under age 70.1
|Covered Benefits||Provided With Atlas Travel1||Atlas Travel Competitors|
|Guaranteed Acceptance||Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.||Yes. Some companies offer guaranteed issue policies.|
|Coverage for pre-existing conditions (excludes chronic and congenital conditions)||Limited: Up to medical coverage maximum lifetime for the eligible medical expense for the acute onset of a pre-existing condition. See the Description of Coverage for more details.||Coverage Varies. Some companies offer no coverage or very little coverage for pre-existing conditions to non-U.S. citizens and coverage amounts can be as little as $2,500.|
|100% coverage for accidents and injuries outside the U.S.||Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance outside the U.S. even when using their PPO network|
|100% coverage for accidents and injuries inside the PPO||Yes: For eligible expenses within the PPO Network. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance even within the PPO.|
|Sports coverage at no additional charge||Yes: Coverage for eligible injuries or illnesses related to sports activities. See the Description of Coverage for limitations.||No. Up to 20% additional cost to add coverage for sports|
|Emergency medical evacuations available 24/7||Yes, $1,000,000 in cover regardless of policy maximum||Yes, but coverage amounts for medical evacuation are much lower.|
|Complete online enrollment capabilities & immediate fulfillment||Yes: Selecting 'Yes' to online fulfillment when purchasing will ensure your policy information will be available to print once your application has been processed and your credit card approved||Varies.|
|Crisis response benefit||Yes: $10,000 certificate period maximum covering losses resulting from kidnapping or express kidnapping.||No. Competitor travel medical plans do not include a crisis response benefit.|
|Personal liability benefit||Yes: $10,000 lifetime maximum covering losses due to a third-party injury or damage/loss of third-party personal property or related-third-party personal property. This benefit applies only for court-entered eligible judgments or approved settlements.||No. Competitor travel medical plans do not include a personal liability benefit.|
Looking for fine cuisine? Don’t let the famous fast-food industry in America fool you. New York City, Portland, and Chicago offer tourists a taste of America, without forgetting France, Greece and Italy.2
New York City
Known as the cultural melting pot, New York provides a plethora of options for food enthusiasts – especially for those who love meat. Grimaldi’s and Lombardi’s are two authentic Italian cuisine restaurants that are notorious for making the finest pizzas outside of Naples, Italy. Sullivan St. Bakery serves pizza Bianca, and some of the finest Roman trattorias are located in Greenwich Village.
From curry and chow mein to pastrami sandwiches and hot dogs, New York City offers a variety of restaurants that create a culinary experience for food lovers of all sorts.
Just outside of Willamette Valley, Portland, Oregon offers all kinds of world-famous wines, such as Pinot Noir. Because of Portland’s rich local produce, it’s able to contend with the best the world has to offer for food-conscious travelers. Nuts, berries and vegetables create a popular attraction for vegetarians and vegans.
A trip to the United States would not be complete without a visit to Chicago, Illinois. Some of the city’s most popular meals include hot dogs and beef sandwiches. Don’t forget about the Mexican food though, it’s a big hit in Chicago, as are the Greek and Polish dishes. Up for debate is the assertion that Chicago is the only city in America known to create an amazing pizza. Regardless of their supremacy, Chicago-made pizza is a must-have for tourists.
HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS 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.