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Ideal for international visitors to the U.S., Starting at just $1.66/day*
Atlas America insurance is a comprehensive visitor insurance plan for visitors to the US.Atlas America Insurance offers co-insurance waiver within the PPO network and covers acute onset of pre-existing conditions up to age 79. Ideal for parents visiting the USA, it also includes coverage for terrorism, pregnancy complications, and trips home
Top reasons to buy Atlas America insurance before your trip:After buying the plan, Traveler can get all the plan document and plan id card by using Atlas America login. At American Visitor Insurance, US Travelers can contact the Atlas America customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
*The price shown is for a 30-day trip with a $10,000 maximum coverage and a $250 deductible for a 25-year-old traveler.
The policy maximum amount of coverage is the total dollar amount of benefits available under the Atlas America plan. Once the maximum is reached, no additional benefits will be paid.
The deductible is the amount the insured must pay before Atlas America insurance starts to cover expenses.
Atlas America insurance has deductible options of : $0, $100, $250, $500, $1000, $2500, $5000.
Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met. If the insured receives treatment in the PPO Network, Atlas America health insurance pays 100% of eligible expenses after the deductible up to the overall maximum limit both in network and outside the PPO network.
A 79-year-old turning 80 during the coverage period, the Atlas America plan does not affect coverage as long as the plan is purchased at age 79. The Atlas Series is not available to individuals who are physically located in New York, Maryland, Washington, Iran, Canada, or Australia at time of purchase. Additionally, travel to Iran is not eligible.
Atlas America policy holders now have the access to quality medical care through Air Doctor. Whether you're traveling for business, leisure, or family visits, Air Doctor ensure you have a quality medical care within covered areas.
The Atlas America insurance cost per month is starting at just $50 to $444 and the cost depends on:
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
Example: Below is the monthly cost of Atlas America insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | $2,000,000 | |
| 18 - 29 years | $50 | $63 | $69 | $87 | $100 | $105 |
| 30 – 39 years | $60 | $81 | $94 | $101 | $111 | $117 |
| 40 – 49 years | $78 | $96 | $108 | $128 | $146 | $154 |
| 50 - 59 years | $131 | $161 | $200 | $225 | $248 | $261 |
| 60 - 64 years | $177 | $225 | $301 | $327 | $360 | $378 |
| 65 – 69 years | $206 | $258 | Not available | |||
| 70 -79 years | $356 | $444 | Not available | |||
For senior travelers aged 80–99: $528/month for $10,000 coverage with $250 deductible.
| Hospital room and board help |
| Average semi-private room rate, including nursing services. |
| Intensive care unit help |
| Up to the overall maximum limit. |
| Hospital emergency room help |
| Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room. |
| Physician visits help |
| Bedside visit up to $1500 not subject to deductible. |
| Urgent Care Center Co-Payment help |
|
| Outpatient Physical Therapy and Chiropractic Care help |
| Up to $50 maximum per day |
| Emergency Dental help |
| Up to $300 - not subject to deductible |
| Emergency medical evacuation help |
| $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. |
| Repatriation of remains help |
| Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. |
| Terrorism help |
| Up to $50,000 lifetime maximum, eligible medical expenses only |
| Emergency local ambulance help |
| Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
| Political Evacuation help |
| Up to $100,000 lifetime maximum - not subject to deductible |
| Return of minor children |
| Up to $50,000 (not subject to deductible or coinsurance). |
| Trip Interruption |
| Up to $10,000 (not subject to deductible or coinsurance). |
| Travel Delay |
| Up to $100 a day after a 12-hour delay period, maximum of 2 days. |
| Emergency reunion |
| Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance) |
| Natural disaster evacuation |
| Up to $250 a day for 5 days (not subject to deductible or coinsurance). |
| Emergency Eye Exam for a Covered Loss |
| Up to $150. $50 deductible per occurrence (plan deductible is waived). |
| Personal liability |
| Up to $25,000 lifetime maximum Up to $25,000 third person injury Up to $25,000 third person property Up to $2,500 related third person property Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit). |
| Local Burial or Cremation |
| Up to $5000 lifetime maximum. |
| Pet return |
| Up to the maximum limit |
| Seatbelt benefit |
| Up to $1000 (not subject to deductible or coinsurance). |
| Optional Crisis Response Rider with Natural Disaster Evacuation |
| Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit |
| Border entry protection |
| Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border(not subject to deductible). |
| Lost or Stolen Passport/Travel Visa |
| Up to $100 – not subject to deductible |
| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) help |
$250,000 maximum benefit any one family or group, not subject to deductible or overall maximum limit |
| Common Carrier Accidental Death help |
Subject to a maximum of $250,000 any one family or group, not subject to deductible or overall maximum limit |
| Acute Onset of Pre-Existing Conditions help |
| Covers up to overall maximum limit, under age 80. |
| Pre-Existing condition medical evacuation |
| Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).
Acute onset of pre-existing condition*:Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
Note: Please review your policy documents for complete coverage details. The coverage amount shown here are based on the in-network benefits. Optional add-on benefits includes extra cost.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.Atlas America Insurance also provides optional buy-up coverage for the following:
WorldTrips, now in partnership with bolt, now offer optional $2,000 device protection for smartphones, tablets, and laptops while you travel in the U.S.
When you add device protection to your US medical insurance, benefits include:
Additional Accidental Death and Dismemberment (for ages 18 - 69 years)
The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by WorldTrips to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. Atlas America travel medical insurance PPO Network is United Healthcare network.
Atlas America - Does united healthcare cover US travel and how to find hospital or doctor?
When seeking treatment within the U.S., you may reduce your out-of-pocket costs by visiting a doctor within your preferred provider organization (PPO). A PPO is a network of hundreds of thousands of established, highly qualified medical practitioners and well-recognized hospitals in the U.S.
location_city Find Provider NetworkAtlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premium, Atlas International, Atlas Essential and Atlas MedEvac.
The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.
Yes, Atlas America Insurance (administered by WorldTrips) allows direct billing through its UnitedHealthcare PPO network which is one of the best visitor insurance with direct billing in the USA. Many hospitals, urgent care centers, and clinics in the U.S. can bill UnitedHealthcare PPO network directly for covered services, so you may not need to pay upfront. Always confirm with the medical provider before treatment to ensure they participate in the UnitedHealthcare PPO direct billing network.
Yes, Atlas America insurance is a legitimate travel medical insurance plan offered by WorldTrips. It is underwritten by Lloyd's of London, a globally recognized and reputable insurance provider. The plan is popular among international travelers, offering comprehensive coverage for medical expenses, Emergency medical evacuation, trip interruptions, and more.
You can purchase Atlas America Travel Insurance. on American Visitor Insurance. For assistance with the application process call us at(877)-340-7910 and our licensed insurance agents will be happy to help!
The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
Yes, Atlas America insurance is a good option for visitors to US who have been here for some time and do not have a current insurance coverage. It is also an excellent plan for international students who are on the OPT status, H1B visa holders and for Spouses of H1B visa holders on the H4 visa status.
Atlas America covers eligible injuries and illness incurred while taking part in many popular vacation sports - skiing, snowboarding, snorkelling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.
Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.
Yes, US Visitors who had initially bought for less than 364 days can renew Atlas America Insurance online up to 364 days.
Atlas America insurance pre existing conditions offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It excludes coverage for chronic and congenital conditions. For visitors aged up to 70 years, it offers coverage up to overall maximum limit. Visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100,000, whichever is lower.
Visitors can review this article on how to use Atlas America visitor medical insurance in case of emergency in the United States.
The Atlas America plan covers 100% of the expenses outside PPO. Yes, it provides worldwide coverage including and excluding USA.
The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
Atlas America and Atlas America Premium are both visitor medical insurance plans offered by WorldTrips for travelers. The difference lies in the coverage and benefits.
Atlas Travel does not provide any reimbursement if you must cancel your trip prior to departure. However, it does include a Trip Interruption benefit if you must end your trip early due to a covered reason.Note that Atlas Travel medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. It also provides more medical benefits with higher coverage limits than most travel insurance plans.
Atlas America insurance offers comprehensive coverage for visitors to USA. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “First Health care network or United health care.”. When Traveling Outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Atlas America insurance pays 100% up to maximum limit. For detailed working example of how it works, you can review Atlas America insurance working example.
As a visitor to the United States, you will need to have a visa issued in your passport to be allowed in to country. You can find out whether or not you need a US visa by reviewing the visa waiver program list of countries by the US government. The type of visa that you need will be based on the reason of your travel to the US. Atlas America insurance offered by WorldTrips works ideally for visitors to the US applying for any of these visas.
Some of the common US visas are:
Yes. The Atlas America plan can be used to meet U.S. visa insurance requirements even if you are not applying for a J-1 exchange visa. After purchasing the plan, WorldTrips provides an official visa letter confirming your coverage details for embassy or consulate use.
To file a claim with Atlas America Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-605-2282
Submit Documents
Mail to WorldTrips PO Box 240358 Apple Valley, MN 55124
Email Help
service@worldtrips.com
Our support team is ready to assist you.
Regards,
LibertyThank you for contacting us at American Visitor Insurance for your insurance needs!.
The Atlas America/Atlas Travel plan is a good comprehensive plan and very popular with tourists to the US because there is no coinsurance or cost after the deductible if you go within the PPO network of the company. This plan covers "acute onset of pre-existing condition" up to the age of 80.
There is an additional coverage available for adventure sports as well on this plan. They recently added a $15 copay for urgent care (paid instead of the deductible, unless your deductible is $0, then you do not pay the copay either). It is a unique plan in offering coverage for complications of pregnancy in the first 26 weeks of gestation.
This plan is good for people on OPT and H1 Visa holders who are already in the US for sometime. The issue with the OPT person or someone who has been in the US for some time is that many plans require to be bought within a certain time frame of your arrival into the US. Your last entry into the US is the one that counts in terms of eligibility for a new plan.
However, this plan does not restrict the purchase for this reason. This plan cannot be purchased from Canada, Australia and some US states (MD, WA, NY).
Atlas America
Feel free to call or email us with any questions or comments you may have.
We wish you and yours safe and happy travels!
Thanks,Review and compare the best Atlas America Travel insurance quotes.
Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.
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.
Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
Residents of California must note that Atlas America insurance Provider is not licensed by the State of California as the insurance provider is called “non admitted” or “surplus line”. This means that the insurance company does not participate in the insurance guarantee funds created by California Law and insured claims will not be paid by the funds if the insurance company is unable to pay as promised.
However the customer will face this risk only if the insurance company is financially unable to pay their liabilities and this depends on their financial stability. The financial stability of a company is reflected by the insurance provider rating and having an AM rating of “A” and above indicates that the company is very stable and able to settle customer claims. WorldTrips holds a financial strength rating of “A++” (Superior) by A.M. Best Company.
You can find other comprehensive visitor insurance plans
For more details see the :-
Notice for California residents
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