Atlas America travel insurance

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Atlas America Insurance

WorldTrips Atlas America Insurance

Traveling outside one’s own home country now more common given today’s global village. People travel overseas as many have their children and families living in different countries including the US whom they visit, people also travel for their education and skill development, career prospects and work, last but not the least, people travel on vacations to explore new lands.

Travel Insurance or travel health Insurance or Visitor Health Insurance is very important along with other important items one might consider. When it comes to travel insurance the health insurance that you might have in your home country is not of any use while outside your home country.

For international travel, especially while traveling to the United States there are many popular travel insurance plans made available by private insurance companies. You need to consider some vital factors before buying visitor insurance. Some among them are 2 kinds of travel insurance plans namely Fixed and Comprehensive visitor insurance .

Let's focus on a comprehensive plan that is very popular and suitable for many visitors visiting the US. Atlas America travel insurance is a comprehensive visitor health insurance plan from the company WorldTrips. This plan is an ideal plan for parents visiting US or visitors visiting US. This plan offers policy maximum coverage for acute.

onset of pre-existing conditions visitor insurance for people below the age of 80. This plan is the only visitor plan that offers coverage for pregnancy complications for a pregnant woman visiting US for a short term. This pregnancy complication coverage is available only up to 26 weeks of pregnancy after which pregnancy is treated as pre-existing condition.

This plan has another major bonus that it does not charge the premium for a child who is under 10 years of age when the child is accompanied by an adult. This provision is available for only one child accompanied with one adult.

Apart from these this plan does not have any arrival time restriction which makes it perfect for people who are living in US for a while on their work Visa like H1B or on OPT status while they are without any insurance temporarily during changing jobs or visiting US on an official purpose occasionally. This is how Atlas America insurance plan works, it has a 20% co insurance applicable after the deductible while paying the expenses.

This co insurance quotient is applicable only to the first $5,000 of the expense. If you happen to visit a provider within their PPO network which is United HealthCare, then this co insurance is waived and 100% of the expense after the deductible is paid by the insurance company. All these features of Atlas America travel insurance plan make it very attractive.

Key benefits of Atlas America plan Insurance

Acute onset of a pre-existing condition

h1b/ h4 visa holders

Comprehensive plan

Medical Evacuation coverage

PPO network

Excellent plan for international students who are on the OPT status

What does visitor travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

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Atlas America travel insurance for USA, Atlas travel insurance USA

Atlas America insurance is a 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 visitors 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.

Atlas Travel is designed for global travelers seeking:
  • Coverage for unexpected medical expenses, including COVID-19-related expenses
  • Emergency Medical Evacuation benefit
  • Supplemental travel benefits including Trip Interruption, Travel Delay, and Lost Checked Luggage.

Atlas America travel insurance reviews

Insurance provider
WorldTrips
Atlas America rating
AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-
Atlas America insurance underwriter
Underwritten by Lloyds, London.
Plan life
364 days.
Deductible options
$0 $100 $250 $500 $1k $2,500 or $5k
Coinsurance of WorldTrips Atlas America

The plan pays 100%

100%
Policy maximum
  • Age 80+: $10k
  • Age 65 to 79: $50k $100k
  • All others: $50k $100k $250k $500k $1M $2M

Atlas America Links

Atlas America Insurance - Key Highlights

  • This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
  • This plan is available to both Non-US citizens and US citizens traveling outside their home country.
  • The deductible options for this plan are $0, $100, $250, $500, $1k, $2500 and $5k per Certificate period.
  • The policy maximum options available with this plan are $50k, $100k,250k, $500k, $1M or $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50k and $100k and for people above 80 the only option is $10k.
  • You will be eligible for coverage of acute onset of pre-existing conditions if you are younger than 80 and all the conditions mentioned in the brochure are met. This includes a $25k lifetime maximum for emergency medical evacuation.
  • 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.
  • Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
  • Trip Interruption coverage available for upto $10k not subject to deductible
  • Travel Delay coverage is available for upto $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
  • Lost checked luggage up to $1k - not subject to deductible.
  • Political Evacuation available up to $100k lifetime maximum not subject to deductible.
  • Bedside visit up to $1500 not subject to deductible.
  • Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10k per member, from age 18 to 69 - $50,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
  • Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

WorldTrips travel insurance - Common Questions

01. Is WorldTrips travel insurance a reliable insurance company? Is WorldTrips insurance a good insurance company ?

WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas.

This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

02. What are the benefits of Atlas travel insurance?

Atlas 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 Premier, Atlas International and Atlas Essential.

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.

03. What is the coverage area of WorldTrips Atlas travel insurance?

Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.

04. How much does WorldTrips travel insurance cost?

The cost of the Worldtrips travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

05. How do I purchase Atlas Travel Medical Insurance?

You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas America Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.

06. What are the requirements for applying for Atlas Travel Insurance?

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.

07. Is there coverage for Covid-19 illness in WorldTrips travel insurance?

WorldTrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

08. Is WorldTrips insurance a legit company?

WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.

09. Can I buy travel insurance from Worldtrips?

WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

WorldTrips Pre-existing Conditions Travel Insurance

Travel Insurance for travelers with Pre-Existing Conditions

Here are some tips for buying pre-existing conditions travel insurance

  1. Choose a travel health insurance with pre-existing conditions coverage.
  2. Review the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting period for coverage of pre-existing conditions.
  4. Consider buying a visitors travel insurance policy with higher coverage limits.
  5. Keep a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Be well informed about accessing emergency medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

WorldTrips acute onset of Pre-existing conditions travel insurance coverage

Atlas Travel Insurance, Atlas America Insurance and Atlas Premium Insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.
  6. The renewability of the policy and its implication for pre-existing condition coverage.

How does travel insurance for acute onset of pre-existing conditions work?

The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.

Atlas Travel Pre-existing conditions coverage - FAQ's

01.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

02.  Do WorldTrips travel insurance plans really cover pre-existing conditions?

Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.

Visitor secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

03.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

04.  How do I know if my pre-existing condition is covered by travel insurance?

Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America Insurance policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.

Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

WorldTrips’s Atlas America Insurance and Atlas Premium Insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.

These Acute on set of pre-existing condition excludes the following conditions

  • Chronic condition or congenital condition.
  • Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.
  • Traveler must not be traveling against the recommendations of established treatment programs, or medical advice of a physician or other healthcare provider.
  • You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition.

WorldTrips travel insurance related links

Covid travel insurance for international travelers

While traveling overseas, one must ensure that they have the right travel health insurance with proper Covid coverage. This is particularly important given the pandemic. At America visitor insurance travelers can get visitors travel insurance for Covid.

We offer a range of options for visitors where they can compare using our Visitors insurance for Covid Visitors insurance for Covid based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.

WorldTrips travel insurance:

Atlas travel insurance with covid will cover eligible medical expenses resulting from COVID. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!

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