Visitor Health Insurance for Parents

High Overall Maximum Coverage Limit

This is the maximum amount of money your parents’ visitor health policy will pay toward their eligible expenses. Accidents, injuries, and illnesses requiring hospitalization can result in large medical bills. High coverage limits can combat these bills by covering your parents’ eligible medical expenses should they need to seek treatment or care while visiting you in the U.S.

How Atlas America Provides Coverage

You can choose from two different Atlas America policies: Atlas Travel and Atlas Premium. Atlas Travel is our most popular travel medical insurance plan. Atlas Premium offers the same benefits as Atlas Travel but includes higher coverage limits for many important benefits.

(Note that Atlas America is our Atlas Travel/Atlas Premium plan for non-U.S. citizens and non-U.S. residents whose travel plans include the United States. This visitor insurance plan will be automatically selected when you are purchasing Atlas Travel insurance and you select that your parents’ travel plans include the U.S.)

Both Atlas Travel and Atlas Premium offer up to $2,000,000 of overall maximum coverage to individuals age 64 and younger. They offer $50,000 or $100,000 of overall maximum coverage to those between the ages of 65 and 79.

As with most visitor medical insurance policies, overall maximum coverage options are limited for seniors age 80 and older. Atlas Travel offers a $10,000 maximum to this age group, while Atlas Premium offers a $20,000 maximum.

Quality Medical Benefits

Because you never know when an illness will occur or when an accident will result in injury, it’s important to ensure your parents are covered for unexpected ailments. Visitor medical insurance may cover expenses resulting from doctors’ visits, hospitalizations, local ambulance rides (when hospitalized as inpatient), and even physical therapy. It’s important to note that many visitor medical insurance plans, including Atlas America, do not cover *pre-existing conditions.

How Atlas America Provides Coverage

Your parents will be 100% covered for eligible expenses (after the deductible and up to the overall maximum limit) as they travel the U.S.

Atlas America covers eligible expenses for:

• Hospital room and board
• Local ambulance (when hospitalized as inpatient)
• Intensive care unit
• Physical therapy
• Sutures and casts
• Surgery at an outpatient surgical facility
• Diagnostic testing services, and more

Coverage includes eligible medical expenses related to COVID-19.

Accidental Death Benefits

While no one wants to consider the possibility of a parent passing away, it’s important to make sure your surviving parent and family members would be taken care of if the worst were to happen. An Accidental Death & Dismemberment (AD&D) benefit can provide financial compensation to the beneficiary listed on your parents’ policy.

How Atlas America Provides Coverage

If a worst-case scenario occurs as your parents travel to or within the U.S., resulting in a loss of eye(s), limb(s), or life, your parents’ Atlas America policy will pay the amount indicated in the Schedule of Benefits to the policy’s beneficiary.

Additionally, the Repatriation of Remains benefit can cover eligible costs associated with the return of your deceased parent’s remains back to his or her home country. In lieu of repatriation, a Local Burial or Cremation benefit can provide up to $5,000 for eligible expenses.

Supplemental Travel Benefits

Because it’s impossible to know whether your parents will face a delay in their travel plans or a mishap with their luggage, it’s important to ensure they have coverage for these unanticipated circumstances.

How Atlas America Provides Coverage

If your parents’ flight is delayed over 12 hours, their carrier loses their checked luggage, or their trip is interrupted due to a death in your immediate family, Atlas Travel will reimburse eligible costs up to the maximum stated in the Schedule of Benefits.

Flexibility

Because everyone’s needs and budget vary, a quality visitor insurance policy will provide a variety of deductible options and overall maximum coverage limits for your parents to choose from, as well as an opportunity to extend their coverage if necessary.

How Atlas America Provides Coverage

Atlas America policies are flexible. They allow you to select the deductible (7 choices), length of coverage, and overall coverage maximum that best align with your parents’ travel needs.

Plus, if you need to extend their coverage after you purchase the policy, you can extend it (5-day minimum) up to a maximum of 364 days from their initial coverage start date. Provided there is no break in coverage, they will not be required to re-satisfy their deductible and their benefit limits will not reset.

Travel Assistance Services

Navigating an unfamiliar country can be intimidating, especially to visitors who don’t speak the language. You’ll likely be able to assist your parents when they need help. But when it comes to replacing a lost travel document or obtaining an emergency cash transfer, your parents may benefit from assistance services.

How Atlas America Provides Coverage

As Atlas America policyholders, your parents will receive access to our line of travel assistance services, available in multiple languages 365 days a year. These services include:

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

Emergency travel assistance services are available 24/7.

Certain types of medical expenses are excluded from Atlas America insurance coverage. 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 prenatal, pregnancy, childbirth, and postnatal care
• Medical expenses for injury or 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 read through the Description of Coverage. View the Atlas Travel Description of Coverage or the Atlas Premium Description of Coverage.

_{*Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.}