Visitors insurance is short-term temporary travel medical insurance that provides coverage for unexpected injury and illness emergencies while traveling abroad in the U.S. Atlas Travel visitors insurance from Tokio Marine HCC Medical Insurance Services Group is hassle-free dependable medical coverage for your next trip to the United States.
An Atlas Travel visitors insurance policy can provide peace of mind for you and your family as you enjoy your time in the U.S. Features include:
Medical care in the U.S. is among the most costly in the world—even for its own residents. The Affordable Care Act (ACA), signed in 2010, was enacted to make health care more affordable, accessible, and of a higher quality for U.S. citizens. Many visitors to the U.S. misinterpret the law, and believe the ACA made healthcare free in the U.S. Not only is this incorrect, but non-U.S. citizens are not eligible to purchase ACA-compliant coverage through the Health Insurance Marketplace.
Additionally, your medical insurance will most likely not travel with you. According to the U.S. Department of State, many medical providers do not cover medical costs outside your home country—meaning an unexpected injury or illness during your time in the U.S. could mean thousands of dollars in medical bills.
That’s where Atlas Travel visitor insurance comes into play. In order to receive quality, affordable healthcare while visiting the U.S., travelers will need visitors insurance coverage.
A visitors insurance policy generally covers any new medical condition that occurs after the plan becomes effective, including:
New, unexpected illnesses
Unexpected injuries or accidents
Hospital room and board
Local ambulance charge for covered illnesses and injuries
Return of mortal remains in event of death
24/7 travel assistance services
A travel medical visitors insurance policy does have several exclusions to note, including:
Any pre-existing medical condition or issue related to the exiting medical condition
Preventative care (routine medical check-ups, physical exams, immunizations)
Routine pre-natal care, pregnancy, childbirth, and post-natal care
Medical expenses for injury or illness resulting from participation in extreme sports (see Description of Coverage for full list of excluded sports)
Full details of coverage limits, eligible expenses, and exclusions can be found in the Atlas Travel visitors insurance Description of Coverage.
Visitor health insurance like Atlas Travel visitors insurance also offers the following travel benefits for U.S. visitors:
If your travel is delayed for more than 12 hours and requires an unplanned overnight stay, Tokio Marine HCC – MIS Group will reimburse you for reasonable accommodations and meals. This benefit is limited to $100 a day for up to two days. The delay must be certified for any of the following reasons:
Delay of common carrier (airplane, bus, train, or watercraft)
A traffic accident while enroute to the airport (substantiated by a police report)
Organized labor strike, or if you are hijacked or quarantined
Stolen passports or travel documents (substantiated by a police report)
If you are traveling alone with one or more children under the age of eighteen and you need to be hospitalized for a covered illness or injury which results in the children being left unattended for more than thirty-six hours, Tokio Marine HCC - MIS Group will pay for the air or ground transportation ticket to return your children covered by Atlas Travel to their principal residence.
For those insured under Atlas Travel, Tokio Marine HCC - MIS Group will pay for a return ticket to your principal residence if there is damage to your principal residence or a death in your family. The trip interruption benefit can also be claimed following an emergency medical evacuation. Trip interruption following an emergency medical evacuation is provided if the attending physician states it is medically necessary for you to return to your home country for recuperation, treatment, and recovery.
See the full Description of Coverage for a full list of benefits or get your free Atlas Travel quote now by clicking the button below.
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.