Atlas Multi Trip Travel Insurance
shopping_cart Buy OnlineAtlas MultiTrip Annual Travel Insurance, underwritten by WorldTrips, a Tokio Marine HCC company, is designed for travelers who take multiple international trips throughout the year. Medical emergencies can happen unexpectedly, and even a short hospital visit overseas can result in significant out-of-pocket costs. Instead of purchasing a new travel insurance policy before every trip, Atlas annual multi-trip travel medical insurance provides coverage for unlimited eligible trips during a 364-day policy period.
Atlas MultiTrip Annual Travel Insurance is a convenient option for business executives, sales professionals, consultants, frequent vacationers, and anyone traveling internationally more than once a year. For travelers comparing annual travel insurance for frequent international travel, Atlas annual trip insurance provides a way to arrange medical coverage once rather than purchasing separate coverage for every trip.
Purchase Atlas Annual Insurance for multiple trips once and skip the hassle of arranging new coverage before each departure, while staying covered for eligible medical emergencies up to $1,000,000 throughout the policy period. Atlas Annual Travel Insurance for frequent travelers cost start at $193 per year for international-only coverage. Your actual premium depends on factors such as your age, selected trip duration, and whether your coverage includes travel to the U.S.
What Is Atlas MultiTrip Annual Travel Insurance?
If you travel internationally two or more times a year, buying a separate travel insurance policy for every trip can be repetitive and inconvenient. Atlas MultiTrip Annual Travel Insurance offers a simpler alternative: one annual travel medical insurance plan that covers unlimited eligible trips during a 364-day policy period.
Instead of purchasing new coverage each time you travel, you buy Atlas MultiTrip once, and each qualifying trip is covered up to the maximum duration you select 30 or 45 days per trip. There is no limit on the number of eligible trips you can take during the policy period, provided each individual trip stays within your selected maximum duration.
This makes Atlas MultiTrip Health Insurance a practical multi-trip travel insurance option for frequent international travelers who take several business trips, vacations, or family visits throughout the year.
Atlas MultiTrip medical travel insurance is available to eligible U.S. and non-U.S. citizens up to age 75. Eligibility, benefits, limitations, exclusions, and other terms vary by plan and are subject to the applicable policy documents.
Who Is Atlas MultiTrip Annual Travel Insurance For?
Atlas MultiTrip may be a good option if you need annual travel insurance for frequent international travel and you:
Travel internationally two or more times a year for business, leisure, or family visits.
Travel frequently and need multi-trip travel insurance.
Take short-notice or last-minute international trips and don't want to arrange travel medical insurance each time.
Want acute-onset pre-existing condition coverage available up to age 70, subject to the plan's eligibility requirements and terms.
Take part in adventure or sports activities during your international trips.
Prefer one annual travel insurance plan instead of managing multiple policies.
For professionals attending international meetings, conferences, or client visits, Atlas MultiTrip Vacation Insurance can simplify how you arrange travel medical coverage throughout the year. It can also be useful for frequent vacationers and travelers who regularly visit family outside their home country.
Why Choose Atlas MultiTrip Annual Travel Insurance?
- check_circleOne annual plan can cover an unlimited number of eligible international trips during the policy period
- check_circleChoose a maximum trip duration of 30 or 45 days per trip
- check_circleMedical coverage is available up to $1,000,000, depending on the plan selected
- check_circleDesigned for frequent international travelers who take multiple trips throughout the year
- check_circleCoverage can apply to business travel, vacations, family visits, and other eligible international travel
- check_circle24/7 Travel Assistance Services are available to help with medical and travel-related needs
- check_circleAvailable to eligible U.S. and non-U.S. citizens up to age 75
How Much is Atlas MultiTrip Travel Insurance Coverage?
The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Atlas MultiTrip travel insurance. Once reached, no other benefits will be available. Atlas MultiTrip insurance offers policy maximums of up to $1,000,000.
What is a Deductible in Atlas MultiTrip Insurance?
The deductible is the Dollar amount that insured travelers need to pay for coverage before the Atlas MultiTrip travel insurance actually starts to pay. Atlas MultiTrip travel insurance has $250 deductible.
What is a Coinsurance in Atlas MultiTrip Insurance?
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 MultiTrip insurance plan pays 100% of eligible expenses up to the overall maximum limit.
What Are the Key Highlights of Atlas MultiTrip Insurance?
This plan covers multiple trips outside your home country during a period of one year, so you don't have to purchase a new policy every time you travel internationally.
Your plan covers multiple trips of up to 30 or 45 days each within a 364-day policy period, giving you flexibility for both short and extended travel throughout the year.
If your trip is cut short for a covered reason, the Trip Interruption benefit is available up to $10,000 and is not subject to the plan's deductible.
Eligible travelers under age 70 can access coverage for the acute onset of a pre-existing condition, up to the plan's overall maximum limit, subject to the plan's terms and exclusions.
Who Is Eligible for Atlas MultiTrip Insurance?
- check_circle If you are under age 66 and you maintain medical insurance that covers you while you are in your Home Country, you are eligible for Atlas MultiTrip.
- check_circle Your Spouse under age 66 and dependent children who are at least 14 days up through age 18 may also be covered, provided they too maintain medical insurance that covers them while they are in their Home Country.
How Does Annual Travel Medical Insurance Work?
Here's how Atlas MultiTrip coverage responds to real situations you could encounter while traveling.
While exploring, you fall and break your leg. Your Atlas MultiTrip plan covers all eligible medical expenses, including the ambulance ride, hospital stay, diagnostic tests, physician fees, and possibly even surgery. WorldTrips can arrange translations and keep your family updated on your condition.
Your fall also damages your teeth, requiring emergency dental care. Your plan's Emergency Dental benefit can cover up to $300 for necessary treatments or surgery to restore or replace your damaged teeth.
Your airline loses your checked luggage for 10 days. After paying out-of-pocket for replacements, you file a claim. Your Atlas MultiTrip plan can reimburse you for eligible expenses, up to $50 per item and a total of $1,000.
While attending a business conference, a terrorist attack triggers a change in your destination's U.S. travel alert from level 1 to level 3. You contact WorldTrips and learn that you qualify for the Political Evacuation benefit, covering the cost of your flight back home for safety.
On vacation with your family, your five-year-old leaves the bathroom faucet running, causing water damage to the property. Your Atlas MultiTrip plan's Personal Liability benefit can cover up to $25,000 for third-party property damage, if all conditions are met.
What Are the Benefits of Atlas MultiTrip Insurance?
| Hospital Room and Board | Average semi-private room rate, including nursing services. |
| Intensive Care Unit | Up to the overall maximum limit. |
| Outpatient Physical Therapy and Chiropractic Care | >Up to $50 maximum per day. |
| Urgent Care Center Co-Payment | Claims incurred in the U.S. - Up to $25 co-payment. (Co-payment is waived for members with a $0 deductible) Claims incurred outside the U.S. - No co-payment. |
| Emergency Local Ambulance | Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient. |
| Emergency Eye Exam for a Covered Loss | Up to $150. $50 deductible per occurrence (plan deductible is waived). |
| Emergency Room Co-Payment | Claims incurred in the U.S. - Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (No co-payment for emergency room treatment of an injury) Claims incurred outside the U.S. - No co-payment. |
| Emergency Dental (Acute Onset of Pain) | Up to $300 - not subject to deductible |
| Emergency Medical Evacuation | Up to $1M lifetime maximum, except as provided under Acute Onset of Pre-existing Condition - not subject to deductible, or overall maximum limit |
| Repatriation of Remains | Up to $50k - not subject to deductible |
| Travel Delay | Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. - not subject to deductible |
| Emergency Reunion | Up to $100k, subject to a maximum of 15 days - not subject to deductible |
| Natural Disaster – Replacement Accommodations | Up to $250 per day for up to 5 days - not subject to deductible |
| Lost or Stolen Passport/Travel Visa | Up to $100 - not subject to deductible |
| Political Evacuation | Up to $100k lifetime maximum - not subject to deductible |
| Accidental Death & Dismemberment | Members under age 18: Up to $5k lifetime maximum. Members age 18-69: Up to $25k lifetime maximum. Members age 70-74: Up to $12,500 lifetime maximum. Members age 75 and older: Up to $6,250 lifetime maximum. $250k maximum benefit any one family or group. |
| Common Carrier Accidental Death | Up to $50k for ages 18 through 69 Up to $10k under age 18 Up to $25k for ages 70 through 74 Up to $12,500 for ages 75 and older Maximum of $250k for any one family or group. |
| Trip Interruption | Up to $10k - not subject to deductible |
| Lost Checked Luggage | Up to $1k - not subject to deductible |
| Acute Onset of Pre-Existing Condition | Covers up to overall maximum limit, under age 70. Up to $25k lifetime maximum for Emergency Medical Evacuation. (Excludes chronic and congenital conditions) |
| Pet Return | Up to $1k - not subject to deductible or coinsurance. |
| Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10k (not subject to deductible or overall maximum limit). |
| Optional Crisis Response Rider with Natural Disaster Evacuation | Up to $90k 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). |
| Sports Coverage | Certain extreme or adventure sports activities is included. |
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What Is the PPO Network in Atlas MultiTrip WorldTrips Insurance?
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 MultiTrip travel medical insurance PPO Network is United Healthcare network.
Atlas MultiTrip - Does United Healthcare cover US travel and how to find a 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.
Find a Doctor Outside the U.S.:
WorldTrips provides flexibility for you to access quality healthcare while traveling outside the United States. There is no preferred provider organization (PPO) outside the U.S., so you may visit any licensed provider you choose.
When Is a Single-Trip Travel Insurance Plan a Better Option?
A single-trip travel insurance plan may be more suitable if:
- check_circleYou're taking only one international trip this year
- check_circleYour trip is longer than 45 days, which exceeds the maximum trip length available under Atlas MultiTrip
- check_circleYou need trip cancellation coverage for a nonrefundable, high-cost booking. Atlas MultiTrip is primarily travel medical insurance and does not provide pre-departure trip cancellation coverage
- check_circleYou don't expect to travel internationally often enough to benefit from annual multi-trip travel insurance
What Does Atlas MultiTrip Annual Travel Insurance Cost?
Atlas MultiTrip Annual Insurance cost starts at $193/year and this pricing depends on your age, whether your trips include the U.S., and your selected trip duration of 30 or 45 days.
If you're comparing Atlas MultiTrip insurance cost with the price of purchasing separate travel insurance for every international trip, an annual multi-trip plan can be a convenient option for frequent travelers.
Example pricing shown below by coverage type and trip duration:
Actual Atlas MultiTrip insurance cost varies based on age and other factors. Get a personalized quote to see the exact rate for your travel needs.
Atlas MultiTrip Annual Travel Insurance - Illustrative Traveler Examples
The following examples are fictional and are intended only to illustrate how Atlas MultiTrip Annual Travel Insurance may fit different types of frequent international travelers. Actual coverage is subject to the plan's terms, conditions, exclusions, limitations, benefit amounts, and eligibility requirements.
A sales executive traveling abroad for client meetings goes hiking on a day off and fractures his leg. He needs an ambulance, hospital treatment, diagnostic imaging, and follow-up care. With Atlas MultiTrip travel medical insurance, eligible medical expenses resulting from a covered accident may be covered up to the applicable plan maximum, subject to the deductible and policy terms. WorldTrips' 24/7 assistance services may also help the traveler locate appropriate medical care and coordinate assistance during the emergency.
Following the same accident, the traveler also needs emergency dental treatment to repair damaged teeth. The Atlas MultiTrip Emergency Dental benefit may provide up to $300 toward eligible treatment to restore or replace damaged natural teeth, subject to the applicable benefit terms and exclusions.
A traveler with a known but stable medical condition experiences a sudden and unexpected flare-up while traveling internationally and needs urgent medical attention. For eligible travelers under age 70, the Atlas MultiTrip Acute Onset of Pre-Existing Condition benefit may cover eligible medical expenses, subject to the plan's definitions, exclusions, limits, and other requirements.
A traveler's checked baggage is confirmed lost by the airline after 10 days. After purchasing essential replacement items, the traveler may be eligible for reimbursement under the plan's baggage benefit, up to the applicable benefit limit and per-item maximum. This annual travel insurance for frequent travelers can provide benefits for eligible baggage-related losses, subject to the policy terms and documentation requirements.
While attending an international conference, a serious security situation develops in the destination country and the U.S. Department of State issues a qualifying travel advisory. If the plan's requirements are met, the traveler may be eligible for Atlas MultiTrip Political Evacuation coverage, with benefits of up to $100,000, subject to the applicable conditions, exclusions, and policy terms.
A consultant requires urgent medical treatment for an illness during an international trip in April and later needs treatment for an injury during a separate trip in September. Because Atlas MultiTrip is multi-trip travel medical insurance, both eligible trips can be covered under the same annual policy rather than requiring a separate insurance purchase for each trip. Each claim remains subject to the applicable deductible, benefit limits, exclusions, and policy terms.
A 68-year-old traveler visits family overseas several times a year and does not want to arrange a new policy before every departure. Atlas MultiTrip annual travel insurance for seniors can provide coverage for an unlimited number of eligible international trips during the 364-day policy period, with each individual trip subject to the selected 30- or 45-day maximum duration and applicable eligibility requirements.
For frequent travelers who take multiple international trips each year, an annual multi-trip travel insurance plan can be a convenient alternative to purchasing separate travel medical insurance for every trip.
What Am I Actually Paying For?
Your Atlas MultiTrip Annual Travel Insurance premium covers more than emergency medical expenses. It also includes WorldTrips' 24/7 Travel Assistance Services at no additional cost, helping you navigate unexpected situations while traveling internationally.
- check_circle Medical provider, hospital, and pharmacy referrals
- check_circle Emergency medical monitoring and case management
- check_circle Translation and interpretation assistance
- check_circle Help replacing lost or stolen passports and travel documents
- check_circle Embassy and legal referrals
- check_circle Emergency cash transfer coordination
When something goes wrong abroad, Atlas MultiTrip travel medical insurance gives you more than a claims process. You also have access to assistance services designed to help you find appropriate care, communicate with providers, and manage unexpected travel situations, wherever you are and whenever you need help.
Atlas MultiTrip Annual Travel Insurance - FAQs
Why Buy Atlas MultiTrip Through American Visitor Insurance?
Choosing Atlas MultiTrip Insurance is about more than finding a competitive price. You also want to understand what your annual travel insurance covers and have access to knowledgeable assistance when you need it.
At American Visitor Insurance, our licensed agents can help you understand important policy details before you buy, including:
Because eligibility and coverage details can vary based on your state or country of residence, we can help you identify the policy documents and terms that apply to your situation. That way, you can make an informed decision based on the Atlas MultiTrip coverage available to you, not simply what is shown on a marketing page.
How Do I File a Claim With Atlas MultiTrip Insurance?
To file a claim with Atlas MultiTrip Insurance, follow these steps:
- check_circleDownload the Claims Form: Access the Atlas MultiTrip insurance claims form online.
- check_circleContact Customer Support: Call the toll-free number 800-605-2282 for guidance or assistance.
- check_circleComplete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents and submit a Claimant's Statement and Authorization form along with supporting documents for every incident:
- Mailing Address: WorldTrips PO Box 240358 Apple Valley, MN 55124.
- check_circleEmail Assistance: For additional help or inquiries, email
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What Are the Atlas insurance Restrictions?
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.
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