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Visitor
Health
Insurance


What Is

Visitor Health Insurance?

Questions of health and safety can be a source of travel anxiety for international visitors to the USA. How much would medical treatment cost if you were to suffer an unexpected injury or illness while exploring the country? Would your regular health insurance provide any coverage?

 

Visitor health insurance is a form of travel medical insurance for non-U.S. citizens and non-U.S. residents who are traveling to the United States from abroad. A visitor insurance plan like Atlas America insurance can cover individuals, families, and groups for up to 364 days.

 

Atlas America can provide access to quality healthcare, important medical benefits, and travel assistance as well as coverage for travel complications like interruptions and delays.

 

Travelers Who Might Benefit from Visitor Health Insurance Include:

  • USA tourists and leisure travelers
  • Parents visiting their children in the U.S.
  • Temporary workers and business visitors
  • International students and exchange program participants

Atlas America Highlights:
  • Up to $2,000,000 of Overall Maximum coverage
  • Up to $1,000,000 of Emergency Medical Evacuation coverage
  • Emergency travel benefits including AD&D, Personal Liability, & Political Evacuation
  • Supplemental travel benefits including Trip Interruption and Travel Delay
  • 7 deductible choices
Topics Covered on This Page:
  • What is visitor health insurance?
  • Why do I need visitor health insurance for the USA?
  • What does visitor health insurance for USA visitors cover?
  • How do Atlas America benefits work in action?
  • Why choose Atlas America insurance?

Why Do I Need
Visitor Health Insurance for the USA?

No matter your reason for traveling the United States, it’s wise to consider the unpredictable complications that could occur during your trip.

Here are four reasons to consider visitor health insurance to provide coverage during your time in the USA:

1. No matter your planned destinations or activities, there’s always a chance you could encounter a travel mishap, accident, or illness that calls for visitor health coverage. Visitor insurance can provide coverage for eligible hospitalizations, physician expenses, sutures, surgery, travel delays, trip interruptions, and other expenses required to get your trip back on track.

2. Healthcare in the U.S. can be very expensive. According to Healthcare.gov, fixing a broken leg can cost up to $7,500 in the United States. The average cost of a 3-day hospital stay is around $30,000. A visitor medical insurance plan can provide access to quality doctors and hospitals as well as coverage for medical expenses.

3. Your regular health insurance may not cover you in the USA. That’s why the U.S. Department of State recommends that you “ask your medical insurance company if your policy applies overseas – and if it covers emergency expenses such as medical evacuation.” If it doesn’t, visitor medical insurance can provide the coverage you need.

4. Your visa may require travel medical insurance or proof that you’ll be able to pay for unexpected expenses incurred in the United States. Our Atlas America plan meets the requirements of the J-1 visa for work and study-based exchange programs in the U.S. It also provides policyholders with a visa letter that can serve as proof of coverage or help prove your ability to pay for unexpected medical expenses.

Did You Know?

Atlas America is our Atlas Travel plan for non-U.S. citizens and non-U.S. residents whose travel plans include the United States.

Atlas America will be automatically chosen for you when you purchase Atlas Travel insurance and select that your travel plans include the U.S.


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What Does Visitor Health Insurance for

USA VISITORS COVER?

In the face of an unexpected medical emergency in the USA, visitor health insurance can provide emergency travel assistance as well as important medical and emergency travel benefits.


Our Atlas America insurance plan pays 100% of eligible expenses after the deductible and up to the overall maximum limit. You can customize your Atlas America plan by choosing your deductible, coverage length, and overall coverage maximum. You can even increase your coverage amounts for several key benefits at purchase.


Some Atlas America Highlights Include:

  • Up to $2,000,000 of Overall Maximum Coverage
  • Up to $1,000,000 for Emergency Medical Evacuation
  • Medical benefits including Hospital Room & Board, Local Ambulance, Intensive Care Unit, and Emergency Dental (Acute Onset of Pain)
  • Up to $25,000 for Personal Liability
  • 7 deductible choices: $0, $100, $250, $500, $1,000, $2,500, or $5,000

Additional Atlas America Insurance

Highlights

Benefits for Unexpected Death: Accidental Death & Dismemberment (AD&D), Repatriation of Remains, Local Burial or Cremation
Benefits for Unforeseen Emergencies: Emergency Medical Evacuation, Political Evacuation, Terrorism, Natural Disaster – Replacement Accommodations, Personal Liability
Family Transportation Benefits Resulting from a Medical Emergency: Bedside Visit, Emergency Reunion, Return of Minor Children, Pet Return
Supplemental Travel Benefits: Trip Interruption, Travel Delay, Lost Checked Luggage, Lost or Stolen Passport/Travel Visa, Border Entry Protection

How Do Atlas America

Benefits Work In Action?

See examples of how a visitor health insurance plan like Atlas America can provide coverage for your trip to the USA.

  • You experience a serious bout of food poisoning that requires inpatient hospitalization.

    Medical emergencies are scary enough in your home country, let alone a foreign country where you’re unfamiliar with the healthcare system and may not be fluent in English.


    With a visitor insurance policy like Atlas America, you’ll be covered for the cost of a local ambulance to transport you to the hospital as well as hospital room and board for covered injuries or illnesses that result in hospitalization.


    You’ll also be covered for all other eligible medical expenses, including physician charges, diagnostic testing, and more.


    Additionally, Atlas America provides access to provider referrals, translation services, and other travel assistance services. These services are available in multiple languages 365 days a year.

  • You’re traveling with your two small children when you come down with a covered illness that requires
    a week-long hospital stay.

    Because there are no other adults traveling with you and you’ll be unable to care for your children for a period lasting over 36 hours, your Return of Minor Children benefit will provide up to $50,000 of coverage to transport each child back to your home country.


    If you’re traveling with a pet under the same conditions, your Pet Return benefit can provide up to $1,000 to return your pet to your home country so a family member or friend can care for him or her.


    For situations where you are confined to a hospital intensive care unit following a covered, life-threatening injury or illness, your Bedside Visit benefit will pay up to $1,500 to transport a family member to your bedside.


    Learn more about how the Return of Minor Children, Pet Return, and Bedside Visit benefits work during and after an emergency.

  • You’ve just touched down in the U.S. when you receive the devastating news that a member of your
    immediate family has passed away. You decide to return home as quickly as possible.

    Your Trip Interruption benefit can cover up to $10,000 for the cost of an economy, one-way plane ticket to return you to your home country so you can be with your family. 

  • After arriving at the airport for your initial departure, bad storms cause your evening flight to be
    delayed until the following morning.

    Rather than staying at the airport overnight, you decide to get a warm meal and a hotel room nearby. Under Atlas America’s Travel Delay benefit, you’ll be reimbursed up to $100 a day for reasonable accommodations and meals incurred as a result of your covered, 12-plus hour delay.

  • While visiting your children in the USA, you discover that your Airbnb has been broken into and your
    luggage has been stolen. Unfortunately, your passport and travel documents were among the items
    that were taken.

    You have no idea how to go about acquiring a new passport and the language barrier is making it difficult for you to file a police report.


    Thankfully, your Atlas America policy provides access to travel assistance services available in multiple languages 365 days a year. Our operators can provide you with travel, legal, and foreign language assistance and help you to obtain a new passport and travel documents.


    Your Lost or Stolen Passport/Travel Visa benefit will also reimburse you up to $100 for expenses due to replacing your lost or stolen passport or travel visa. You must report the loss or theft to police within 24 hours and obtain a police report to be eligible for this benefit.


Why Choose

Atlas America Insurance?

Flexibility

Atlas America insurance is available to individuals 14 days old and up—including seniors and individuals over 80 years old—who are traveling outside of their home country. Coverage is available for trips up to 364 days. After your initial purchase, you will have the ability to extend your coverage via Client Zone, our online policy management portal.

 

Customizable Coverage

Customize your policy by choosing the deductible, length of coverage, and overall coverage maximum that best align with your travel needs. You’ll also have the option to upgrade your coverage amounts for several key benefits.

Ease-of-Use

You can purchase coverage while traveling, extend your coverage after purchase, or cancel your policy if your plans change. Your policy documents will be sent to your email address immediately upon purchase. You can also visit our Find a Doctor page to find qualified medical providers in your destination country.

 

Multilingual Travel Assistance

As an Atlas policyholder, you’ll have access to our multilingual travel assistance services 365 days a year. Emergency services are available 24/7. Travel assistance services include referrals, translation assistance, help replacing lost or stolen travel documents, medical monitoring, coordination of emergency travel arrangements, and more.



Are There Any
EXCLUSIONS TO KEEP IN MIND?

Certain types of expenses are excluded from all Atlas Series plans. Here are some of the more asked-about exclusions:

  • *Pre-existing conditions
  • Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
  • Routine pre-natal, pregnancy, childbirth, and post-natal care
  • Medical expenses for injury/illness resulting from participation in some extreme sports
  • Medical expenses related to any form of cancer or neoplasm
  • Mental health disorders
  • Injury due in whole or in part to the effects of intoxication or drugs (this does not refer to drugs taken in accordance with treatment prescribed by a physician)
For a full list of exclusions, be sure to review the Atlas America (Atlas Travel) Description of Coverage.

*A pre-existing condition is any condition:
  • for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
  • that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

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Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd's. 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.