For budget-conscious travelers, Atlas Essential Insurance provides coverage for the basic, necessary benefits while traveling outside the home country.
Atlas Essential Insurance has two plans:
Atlas Essential America Insurance - For persons visiting the U.S.
Atlas Essential International Insurance - Travel medical insurance when you are traveling outside the U.S.
Atlas Essential Insurance is underwritten by Lloyd's of London which is rated A "Excellent" by the A.M. Best Company.
Atlas Essential Insurance does not provide any coverage for acute onset of pre-existing conditions and pays 70% to the policy maximum within the PPO network and pays usual, reasonable and customary to the policy maximum outside the PPO network. Also, there is no coverage for complication of pregnancy, emergency reunion, return of minor children, trip cancellation, loss of checked luggage, Accidental Death & Dismemberment, Common Carrier Accidental Death, identity theft assistance, hospital indemnity, natural disaster benefit etc.
Therefore, if you are a healthy person with low concerns, you can get a really good low-cost travel insurance by avoiding several benefits that you may not need.
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Atlas Essential insurance provides the coverage for COVID-19 (Coronavirus) just like any other eligible medical condition that occurs after the effective date of the policy.