Atlas America Travel Insurance

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Atlas America Insurance

📌 What Is The Atlas America Travel Medical Insurance?

Atlas America insurance is a comprehensive benefit travel medical insurance plan for visitors to the US. Atlas America visitors insurance is one of the few visitor insurance plans that waives co-insurance within the PPO network. It is an ideal visitor medical insurance for parents visiting USA and foreign tourists to the United States. This travel insurance is to take the risk out of international travel and includes coverage for Acts of Terrorism, complications of pregnancy and incidental trips home. Atlas America insurance pre existing conditions coverage includes coverage for acute onset of pre-existing conditions up to the age of 79 years in the event of life threatening conditions. 79 years old turing 80 during the coverage period, Atlas America plan does not affect coverage as long plan is purchased at age 79. Travelers can get free Atlas America Quotes by filling the above form.

Key Features:
  • Coverage from 5 days to 364 days, renewable up to 364 days
  • Ideal for visitors to the USA including U.S. citizens living abroad
  • Access to ID card and documents online after purchase
  • 24/7 customer service and support available
  • Complications of pregnancy are covered up to the first 26 weeks of gestation, which is uncommon among U.S. visitor plans.

Complete your Atlas America application form to ensure you have the coverage you need while traveling to the USA. 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!

*Actual premium depends on age, coverage limit, and duration.

⭐ Atlas America Visitor Insurance Reviews

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Insurance provider
WorldTrips
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Rating
AM Rating: A++ (Superior)
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Period of Coverage
5 days to 364 days.
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Maximum limits
Maximum limits from $10,000 to $2,000,000
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PPO network
Part of United Healthcare network United Healthcare Provider Network
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Best for
  • Parents visiting USA
  • Visitors / Immigrants
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Deductible options
Deductible options from
$0, $100, $250, $500, $1,000, $2,500, or $5,000
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Underwriter
TMHCC Insurance SPC Ltd and Houston Casualty CompanyS
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Coverage Type
Secondary (Excess)

❓ Why Should I Buy Atlas Travel Insurance Plans For Visitors?

Buying Atlas America Medical Insurance is highly recommended for visitors to the USA because it provides extensive, flexible, and cost-effective protection against the risks and high costs of the American healthcare system. It is especially suitable for parents, relatives, tourists, students, and business travelers seeking reliable coverage during their stay. Here are the key reasons to choose Patriot Atlas America Insurance:

  • Comprehensive Medical Coverage: Covers medical accidents, unexpected illnesses, doctor and hospital visits, prescription drugs, emergency medical evacuation, and even complications of pregnancy (first 26 weeks).
  • Emergency, Travel, and Special Benefits:The plan includes benefits for emergency medical evacuation, repatriation of remains, trip interruption, accidental death, lost baggage, and acts of terrorism. Extra features such as adventure sports coverage, border entry protection, and optional add-on benefits give travelers further peace of mind.
  • Broad Network and Easy Access: Atlas America uses the trusted United Healthcare PPO network, ensuring easy access to quality providers across the United States and often eliminating coinsurance for in-network care.
  • Emergency Medical Evacuation: Up to $1,000,000, which is crucial if you need to be transported to your home country for treatment.
  • Emergency Protection: Includes medical evacuation, repatriation of remains, and travel assistance services 24/7.
  • Peace of Mind for Visitors & Families: Ideal for parents visiting children, business travelers, international tourists, or relatives coming for extended stays.

👤 Who Is Eligible to Purchase The Atlas America Policy?

  • For non U.S residents and non U.S citizens traveling to the U.S
  • For ages 14 days to 99 years
  • Coverage for minimum 5 days to maximum up to 365 days in a policy period
  • Extendable for up to 365 days
  • Eligible for Student Visa holders who do not have specific health insurance requirements to meet.
  • Plan can be purchased after arrival at the destination
  • Residents of UK must purchase coverage for a minimum of 120 days
  • Business professionals and temporary workers
  • Exchange program participants and international students

⭐ American Travel Insurance Reviews

Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration and hope to be in touch soon.

Shelie

Shelie

I recently visited your website for the first time to buy insurance for travel to US. I found the information very good. Your customer support was fantastic and awesome. You were so dedicated to take care of my inquiries. I would rate your service 100/100.

Charlotte

Charlotte

I am pleased to say that your company is very professional in the field of Insurance. The customer is happy to get easily connected and then you very patiently explain the difference between various plans to suit each customer's need.

Lori Fieldss

Lori Fields

❓Have questions?

Our support team is ready to assist you.

🏥 Access Quality Healthcare Abroad with Air Doctor

Atlas America policyholders 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.

  • Two Free Doctor Visits per Policy: Policyholders are eligible for two doctor visits at no cost, with no upfront payment or claim filing required. Policies lasting more than six months include a third visit.
  • Telehealth Services for U.S. Coverage: For Atlas America plans that include the U.S. coverage, Air Doctor are limited to telehealth (video) services. In-person visits can be accessed through the UnitedHealthcare PPO network.
  • Through the Air Doctor app, policyholders can effortlessly connect with certified doctors, specialists, and healthcare providers worldwide.

➕ Atlas insurance for US visitors – Add on benefits

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:

  • Device protection open_in_new
  • Crisis Response open_in_new
  • Additional Accidental Death and Dismemberment Benefit open_in_new
  • Personal Liability Rider open_in_new

💰 How Much Does Atlas America Insurance Cost Per Month?

The Atlas America insurance cost per month is starting at just $50 per month, based on:

  • Traveler’s age
  • Selected policy maximum
  • Deductible amount

Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.

  • Ages 0–64: $50,000, $100,000, $250,000 $500,000, $1,000,000, $2,000,000.
  • Ages 65–79: $50,000 or $100,000
  • Above 80: $10,000 only
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.

📝 How Do I File a Claim With Atlas America Insurance?

To file a claim with Atlas America Insurance, follow these steps:

📄

Download Form
Get claim form online

📞

Call Support
1-800-628-4664

✉️

Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.

📧

Email Help
service@worldtrips.com

❓ Atlas America Travel Health Insurance - FAQ's

1. Is Atlas America good insurance plan?

Atlas America is generally considered a good travel insurance plan for visitors to the U.S. It is highly rated for its comprehensive coverage, including acute onset of pre-existing conditions, emergency medical evacuation, and coverage up to $2 million for most ages. The plan offers flexibility in coverage limits, deductible options, and duration from 5 days up to 364 days, with renewal options.

2. Can Atlas America be purchased after arriving in the U.S.?

Yes, visitors can buy the plan even after arriving, provided the purchase is made online from an eligible location.

3. Why does Atlas America cover acute onset of pre-existing conditions?

Atlas America covers the acute onset of pre-existing conditions to protect travelers from unexpected, serious medical emergencies related to previously existing illnesses that occur suddenly and without warning during their visit. This benefit ensures coverage for urgent medical care if a prior condition triggers a life-threatening situation and requires immediate treatment, provided the event is unforeseen and medical attention is sought within 24 hours.

4. Does Atlas America insurance satisfy US visa requirements?

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:

  1. Visitor visa or Tourist Visa
  2. Student visa (F1 visa)
  3. J visa (exchange scholar visa)
  4. H1B work visa
  5. Fiancee visa
5. Does Atlas America offer coverage for maternity?

Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.

6. Is Atlas America insurance legit?

Yes, Atlas America insurance is a legitimate travel medical insurance plan offered by WorldTrips. It is underwritten by TMHCC Insurance SPC Ltd and Houston Casualty Company, 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.

7. What is the difference between Atlas America and Atlas America Premium?

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 America: This plan offers comprehensive coverage for medical incidents, emergency treatments, political evacuations, repatriation of remains, trip interruptions, baggage loss, accidental death, and more. It includes coverage for acute onset of pre-existing conditions and has policy maximum options ranging from $50,000 to $2,000,000.
  • Atlas America Premium: This is a high-end plan with similar core benefits like Atlas America but adds elite features like higher maximum coverage limits, no coinsurance requirement after the deductible, personal liability coverage, and higher dental coverage limits. It is tailored for discerning travelers seeking more extensive protection.
8. Will my Atlas America plan be extended /renewed automatically?

No, your Atlas America plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.

9. How does coverage work inside vs. outside the PPO network?
  • In-network: You pay only the deductible; the insurance covers the rest up to the policy limit.
  • Out-of-network: You may need to pay upfront and file for reimbursement, though eligible expenses are still covered.
11. Does Atlas America cover sports or adventure activities?

Yes, but only if you add the Sports Rider. This optional benefit covers injuries from activities like skiing, scuba diving, or mountain biking.

11. Does Atlas Travel Insurance provide any home country coverage?

Yes, Atlas America travel insurance does provide limited home country coverage under certain conditions. If the policyholder purchases at least three months of coverage, they receive incidental home country coverage for medical benefits related to new illnesses or injuries incurred during incidental trips back to their home country.

International travelers have purchased Atlas insurance to visit these destinations

🚫 What are the exclusions and restrictions for Atlas America insurance?

Key Exclusions in Atlas America Insurance
  • Pre-existing Conditions: Pre-existing conditions are excluded except for coverage of the acute onset of pre-existing conditions, subject to limits.
  • Maternity and Childbirth: Pregnancy, childbirth, and related complications are excluded.
  • Mental Health and Substance Abuse: Substance abuse, addiction, and associated conditions are not covered.
  • Cosmetic and Elective Procedures: Cosmetic surgery, elective procedures, and treatments not medically necessary are excluded.
  • Vision and Dental: Dental treatments are not covered except emergency dental care for injuries.
  • Adventure Sports (Unless Rider Added): Adventure/extreme sports coverage is limited and some hazardous sports may be excluded unless an additional rider is purchased.

⚠️ Restrictions for Atlas America Insurance

  • Coverage Duration: Maximum coverage is 364 days. You can renew, but not beyond that limit.
  • Location restrictions apply: Atlas America insurance is not available to individuals physically located in New York, Maryland, Washington states, Canada, or Australia at the time of purchase.
  • Age-related restrictions on maximum coverage limits: travelers 65-79 have lower maximum limits, and those 80 or older have significantly reduced coverage limits.
  • Network Use: Using in-network providers (UnitedHealthcare PPO) ensures smoother claims and lower costs. Out-of-network care may require upfront payment and reimbursement.

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