Journey soundly. Journey fearlessly. Anticipation. Pleasure. Stress. In the event you’re within the strategy of planning a visit to the USA, you’re in all probability brimming with enthusiasm—and maybe greater than a little bit overwhelmed. Whereas reserving a flight tends to be comparatively simple, there’s one facet of your journey that may appear a little bit tough: insurance coverage.
As a result of many customary medical insurance coverage insurance policies don’t cowl you outdoors of your house nation—and since folks in america are liable for their very own healthcare prices—journey medical health insurance is important for USA guests. However for these unfamiliar with the U.S. healthcare system, it may be powerful to know what to search for in a plan.
Try the frequently-asked questions beneath to be taught extra about what’s accessible to you—and uncover why Atlas Journey could be the excellent selection in your U.S. journey.
Well being Insurance coverage for USA Guests: Continuously Requested Questions.
- I do know that healthcare within the U.S. will be pricey. What ought to I search for when it comes to total protection?
You’ll need to make sure that your most protection restrict (the utmost amount of cash your journey medical coverage can pay towards your eligible bills) is important sufficient to cowl pricey medical payments that would outcome from an surprising medical emergency or hospital keep.
Atlas Journey provides as much as $250,000 in protection to these age 70 to 79 and as much as $2,000,000 in protection to these age 69 or youthful. People age 80 and above are eligible for a most protection restrict of $10,000.
- What varieties of advantages ought to I search for as a USA customer?
As a result of healthcare within the U.S. will be costly, it’s necessary to have a coverage that gives all kinds of advantages. Do you have to turn into unexpectedly injured or fall immediately sick, a coverage like Atlas Journey can cowl eligible bills like:
- Hospital Room and Board
- Native Ambulance
- Intensive Care Unit
- Emergency Dental
- Unintentional Demise and Dismemberment
- Pure Catastrophe – Substitute Lodging
- Private Legal responsibility*
- Emergency Reunion*
- Bedside Go to *
Atlas additionally offers supplemental journey advantages (see “I’m taking a number of flights…” Q&A) and journey help companies (see “How can I get help…” Q&A) to assist in your journey.
*The Private Legal responsibility profit offers protection for sure prices for which you might be legally liable (see the Description of Protection for extra particulars).
*The Emergency Reunion profit offers transportation for one relative to the placement during which you might be hospitalized following a lined emergency medical evacuation. It additionally offers meals and lodging for the relative for as much as 15 days.
*The Bedside Go to profit offers transportation for one relative to the hospital during which you might be confined to the intensive care unit following a lined, life-threatening damage or sickness.
- I’m taking a number of flights. Does journey medical insurance coverage provide any protection for journey, flight, or baggage mishaps?
The extra steadily you journey, the extra possible it’s possible you’ll be to run into extreme climate or expertise a mishap just like the airline shedding your baggage. For some of these circumstances, Atlas Journey provides the next advantages:
- Journey Interruption: This could cowl the price of transporting you again residence after a lined emergency medical evacuation, after the incidence of extreme climate or a hearth (if it destroys a minimum of 40% of your house), or after the dying of a direct member of the family.
- Journey Delay: This could cowl the price of meals and lodging when lined circumstances come up (airline delay, visitors accident, organized labor strike, and so on.) that delay your journey for 12-plus hours, leading to an unplanned in a single day keep.
- Misplaced Checked Baggage: This offers some reimbursement ought to it’s a must to substitute your garments and private hygiene objects after the airline loses your baggage.
- I’m visiting a number of locations. How can I be certain I’ll have protection wherever I’m going?
Regardless of the place you search therapy, you may be lined for eligible bills after the deductible and as much as your total most restrict. Plus, you should have entry to our on-line listing of over 5,000 hospitals and greater than 90,000 healthcare services so you’ll be able to find a close-by medical supplier – regardless of the place you might be in america.
- There’s an opportunity I’ll keep within the U.S. longer that initially deliberate. Are journey medical insurance policies extendable?
After you buy an Atlas Journey coverage, you’ll be able to lengthen your protection (5-day minimal) as much as a most of 364 days out of your preliminary protection begin date. Offered there is no such thing as a break in protection, you’ll not be required to re-satisfy your deductible and your profit limits won’t reset.
- I’m not very aware of the U.S. healthcare system. Will a journey medical coverage include directions on how one can use it?
If you buy an Atlas Journey coverage, you’ll be supplied with educational info along with your declaration web page (the main points of your particular coverage), description of protection, and medical ID card. These directions will clarify how one can search medical therapy, how one can file a declare, and how one can contact the customer support division with any questions you might have.
- How can I get help as a non-native English speaker?
With an Atlas Journey coverage, you’ll have full entry to a variety of journey help companies accessible in a number of languages 365 days a yr. These companies embrace:
- Misplaced passport and journey paperwork help
- Monitoring for misplaced baggage
- Emergency money switch help
- Embassy and consulate referrals
- Authorized and accounting referrals
- Supplier referrals
- I need the absolute best protection for my household. Is there one other stage of protection with greater limits or further advantages?
Atlas Journey permits you to personalize your protection to satisfy your loved ones’s wants by selecting your stage of protection and deductible. These searching for further protection and safety might choose buy-ups upon buy, and people searching for the very best doable protection limits can improve to Atlas Premium.
- What will not be lined by Atlas Journey insurance coverage?
Sure forms of bills are excluded from Atlas Journey insurance coverage. A few of the extra asked-about exclusions embrace:
- Pre-existing situations*
- Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, and so on.)
- Routine pre-natal, being pregnant, youngster beginning, and post-natal care
- Medical bills for damage or sickness ensuing from participation in some excessive sports activities
- Medical bills associated to any type of most cancers or neoplasm
- Psychological well being problems
- Damage due in complete or partly to the results of intoxication or medicine (this doesn’t discuss with medicine taken in accordance with therapy prescribed by a doctor)
For a full listing of exclusions, you’ll want to learn by the Atlas Journey Description of Protection.
- for which medical recommendation, analysis, care, or therapy was advisable or obtained inside an outlined time frame previous to your efficient date of protection (this specified time frame varies from plan to plan and sometimes ranges from 60 days to 2 years)
- which might trigger a fairly prudent individual to hunt medical recommendation, analysis, care, or therapy inside the outlined time frame previous to your efficient date of protection
- that existed (with affordable medical certainty) previous to your efficient date of protection, whether or not or not it was identified to you