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It is recommended that all international travelers visiting the United States purchase visitors medical insurance to cover expenses associated with health care. There are many different reasons people travel abroad, from visiting family in America to conducting business. The visitors insurance policy that you select should be tailored to meet your travel needs. Corporate executives who travel internationally several times per year have unique travel needs compared to foreign travelers who are planning a once in a lifetime trip. Due to the often unexpected travel times, business men and women benefit from having a policy that caters to individuals who travel frequently.

Atlas Professional Insurance provides visitors medical insurance for professionals who make several trips per year to the United States. By purchasing this policy you know that coverage will be in place automatically for last minute business trips. Atlas Professional Insurance is underwritten by MultiNational Underwriters, a known leader in international travel insurance.

To be eligible for Atlas Professional Insurance you must have medical insurance in your home country and be under 66 years of age. If your family accompanies you on business trips, they too will be covered. Specifically a spouse under the age of 66 as well as children who are at least 14 days old up until the age of 18. Their coverage is included only if they too are covered by a medical insurance policy in your home country.

Individuals covered by the Atlas Professional Insurance plan have a maximum limit of one million dollars per person. Benefits are subject to the deductible and limits apply. The only benefits not subject to the deductible are as follows:

Lost checked luggage

Natural disaster

Hospital indemnity

Accidental death and dismemberment

Common carrier accidental death

As with any insurance policy it is important to understand the exclusions in order to know what situations are covered. The following list describes some of the exclusions for the Atlas Professional Insurance plan.

Pre-existing conditions

Treatment related to a congenial condition

Routine pre-natal care

Mental health issues

Treatment due to substance abuse

Emergency room charges (unless the patent is admitted)

Treatment for venereal disease, HIV, AIDS, ARC

Chiropractic treatments

Routine dental procedures

Skin disease

Routine eye exams, glasses, contact lenses

Self inflicted injuries

Acts of terrorism

The preceding list of exclusions are only summaries therefore you would need to review the policy in its entirety to fully understand the terms of the contract.

Buying visitors medical insurance can sometimes be a confusing process regardless of your experience traveling abroad. The insurance industry is complex and often compounded by the health care system in the United States. It is important that you take the time to fully understand what coverage is provided when you are buying visitors medical insurance. For individuals who travel frequently the chances of experiencing a medical emergency or injury while in the United States increase making visitors medical insurance a necessity to avoid high health care expenses.