318-573-6186
Jing Liu
318-573-6186
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Atlas Premium America Visitor Insurance
The information below is an overview of the benefits included in this plan and is provided to you as an aid to help you familiarize yourself with the benefits. This information is a high-level overview of the given plans coverages. Please use this information as a guide only and do not make any decisions solely based on this information.
If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.
If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.
All amounts are in U.S. dollars.
Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.
Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.
General
Medical - Outpatient
To policy maximum
Included
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
To policy maximum
In US: Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
Medical - Inpatient
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum
Medical - Other Treatment And Services
90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices.
$50 per incident copay, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum when illness or injury results in hospitalization as inpatient.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$50 maximum per day
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
Acute onset only, for persons under 80: Medical up to policy maximum. Medical Evacuation up to $25,000.
Included
Dental
$300 - Not subject to deductible
$300 - Not subject to deductible
Travel
-
$15,000
12+ hours: $200/day; 2 days maximum
Primary$50 per item, $2,000 maximum
$50,000
$150,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100
$500
Life
Under 18: $5,000, Ages 18-69: $100,000, Ages 70-74: $12,500, Ages 75+: $6,250; maximum $250,000 per family or group.
Under 18: $10,000, Ages 18-69: $100,000, Ages 70-74: $25,000, Ages 75+: $12,500; maximum $250,000 per family or group.
Other
Included
30 days per every 3-month period.
$100 per day
-
$500 per day, 5 day maximum for accommodations.
$50,000 Eligible medical expenses only
Included
Plan Features
Before effective date, full refund.
After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 12 months maximum
$0
$0
Personal Liability: $100,000
Crisis Response: $100,000 with $10,000 for Natural Disaster Evacuation
Bedside Visit: $1,500
Pet Return: $1,000
Political Evacuation: $150,000
Email
Postal Mail
Courier
Per Policy Period
$0 Up to 99
$100 Up to 99
$250 Up to 99
$500 Up to 99
$1,000 Up to 99
$2,500 Up to 99
$5,000 Up to 99
Lifetime Maximum
$20,000 80-99
$50,000 Up to 79
$100,000 Up to 79
$250,000 Up to 64
$500,000 Up to 64
$1,000,000 Up to 64
$2,000,000 Up to 64
WorldTrips
Lloyd's
Get instant quotes for this plan and purchase today!
- This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
- For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
- Coverages shown are per person unless noted otherwise.
- The dash (-) in the fields above means Not Applicable (N/A).
- Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
- Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
- For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
- Coverages shown are per person unless noted otherwise.
- The dash (-) in the fields above means Not Applicable (N/A).