Traveling the world provides you with opportunities that you just cannot and will not find in your home country. When you decide to travel, you are setting yourself up to see amazing things, experience wonderful cultures, and meet new people. Choosing where to travel can be a difficult decision. The world is open to travelers, and you have freedom to choose from so many places, but one of the most rewarding experiences for travelers is the opportunity and decision to travel to the U.S.
The history of the United States has been and is influenced by an extraordinary number of people, cultures, and traditions from the world over. As a result, America is a wonderful place for travelers. Whether you are on business, looking for work, studying, or you simply wish to explore the country, the U.S. is an amazing place to visit. However, it is not enough to pack your bags and book a flight. The U.S. has several types of visas that you must apply for, receive, and follow through with before you can leave your home and travel to the U.S.
There are different types of visas for all different types of travelers, but there are a few steps that the visas all have in common. You are most likely excited to be traveling to the U.S., and in your excitement it is easy to lose sight of the necessary required steps you must take in order to receive your visa.
Visa requirements are not always straightforward, and sometimes you may have to do research before you fully understand everything. It is best to get that research out of the way before you begin filling out your application. You want to understand the process and the different steps necessary for your visa application before you actually begin. To help you out with understanding this process, we have compiled some of the things you need to know and do, no matter what type of visa you are planning on applying for:
For some of the visas, it is a requirement to have travel visa insurance. In other cases, visa insurance is only recommended. With travel visa insurance you are giving yourself peace of mind while you travel. No matter your reason for traveling to the U.S., there is always a risk of illness or injury. The unfortunate thing is that your domestic medical insurance may not keep you protected as you travel to the U.S., which is where travel visa insurance kicks in.
|Covered Benefits||Provided With Atlas Travel®||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 expenses 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 coverage 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.|
*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.
When you purchase a travel insurance plan, like Atlas America insurance from HCC Medical Insurance Services (HCCMIS), you are taking the necessary precautions that can help you avoid some large medical bills. Because you cannot predict accidents and injuries, having insurance can help keep you protected as you travel. Atlas America comes with some great benefits that can help make your travels much easier.
Once your visa application has been approved, and you have paid your visa issuance fee, you can begin taking care of those final details for your trip. Since you already have your visa, you know the dates you will be traveling and where you are going, so now you get to finalize the rest of your trip details.
Travel visa insurance is vital to securing your visa and for keeping you safe as you travel in the U.S. Not only will purchasing visa insurance help you get your visa, but it will also help you avoid high medical bills and provide you with some great beneficial services that will make traveling easier. Remember to take your time through the visa process, do not skip any steps, and plan everything as carefully as possible.
Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. We are regulated by the State of Indiana in our capacity as Third Party Administrator. 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 Tokio Marine HCC – International Group.