Atlas Premium Travel Insurance
Atlas Premium offers higher coverage limits than standard travel medical plans up to $2,000,000 in medical coverage, $1,000,000 emergency medical evacuation, and comprehensive benefits designed for discerning travelers, seniors, and business professionals
What Is Atlas Premium Insurance?
Atlas Premium travel insurance is a comprehensive travel medical plan offered by WorldTrips, designed for tourists, business travelers, families, and vacationers who want higher coverage limits for shorter international trips. It provides the same trusted travel medical benefits as the popular Atlas Travel plan, but with built-in higher limits on several important benefits - without paying for buy-up options elsewhere.
Atlas Premium insurance is available in two distinct types depending on where you're headed:
- Atlas America Premium: Ideal for non-U.S. citizens visiting the United States.
- Atlas International Premium: Ideal for U.S. and non-U.S. citizens traveling outside the U.S.
After buying the plan, Traveler can get all the plan document and plan id card by using Atlas Premium login. At American Visitor Insurance, US Travelers can contact the Atlas Premium customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Atlas Premium is not available to individuals physically located in New York, Maryland, or Washington state, or in Canada or Australia at the time of purchase.
Best price guaranteed · Instant coverage
Atlas Premium America vs. Atlas Premium International
Atlas Premium travel medical insurance is available in two configurations - choose the one that matches your travel destination.
Premium travel medical insurance for non-US citizens visiting the United States. Ideal for parents, relatives, tourists, and business visitors coming to the USA for comprehensive protection.
- Available to Non-US Citizens only
- Covers medical care within the USA
- Satisfies US visa medical insurance requirements
- UnitedHealthcare PPO network access
- Emergency room & urgent care coverage
Premium international travel medical insurance for US and non-US citizens traveling outside their home country, excluding the USA. Perfect for global adventurers and business travelers.
- Available to US Citizens & Non-US Citizens
- Worldwide coverage excluding USA
- Satisfies Schengen visa requirements
- International provider network access
- No co-payment outside the US
Who can buy Atlas Premium insurance?
- Travelers age 14 days to 99 years
- Minimum coverage purchase of 5 days
- Non-U.S. citizens visiting the U.S. (Atlas America Premium)
- U.S. and non-U.S. citizens traveling outside the U.S. (Atlas International Premium).
- Ideal for family, tourists, business persons, vacationers and adventure travelers seeking higher coverage limits for shorter trips.
What Atlas Premium does not cover?
- Chronic, non-acute pre-existing conditions
- Routine medical exams and routine pre-natal care
- Mental health disorders
- Injuries from specifically excluded extreme sports
- Not sold to residents of NY, MD, WA, Canada, or Australia at time of purchase
How Much Does Atlas Premium America Insurance Cost?
The cost of Atlas Premium America Insurance ranges from $61 to $638 per month, depending on the traveler’s age, selected plan maximum, and deductible.
The table below shows sample monthly rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
| Age of traveler | $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | $2,000,000 |
|---|---|---|---|---|---|---|
| 18 - 29 years | $61 | $76 | $84 | $106 | $121 | $127 |
| 30 - 39 years | $72 | $98 | $114 | $123 | $135 | $142 |
| 40 - 49 years | $95 | $117 | $131 | $155 | $178 | $186 |
| 50 - 59 years | $158 | $195 | $241 | $273 | $300 | $316 |
| 60 - 64 years | $214 | $273 | $364 | $396 | $435 | $457 |
| 65 - 69 years | $250 | $312 | Not available for this age group | |||
| 70 - 79 years | $430 | $537 | Not available for this age group | |||
| 80 - 99 years | $638 $20,000 max only, $250 deductible | |||||
How Much Does Atlas Premium International Insurance Cost?
The cost of Atlas Premium International Insurance ranges from $37 to $525 per month, depending on the traveler’s age, selected plan maximum, and deductible.
The table below shows sample monthly rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
| Age of traveler | $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | $2,000,000 |
|---|---|---|---|---|---|---|
| 18 - 29 years | $37 | $45 | $49 | $58 | $61 | $63 |
| 30 - 39 years | $44 | $54 | $63 | $70 | $76 | $79 |
| 40 - 49 years | $74 | $85 | $89 | $101 | $107 | $111 |
| 50 - 59 years | $126 | $137 | $148 | $157 | $170 | $176 |
| 60 - 64 years | $158 | $165 | $175 | $193 | $205 | $211 |
| 65 - 69 years | $187 | $206 | Not available for this age group | |||
| 70 - 79 years | $287 | $316 | Not available for this age group | |||
| 80 - 99 years | $525 $20,000 max only, $250 deductible | |||||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
What Are the Benefits of Atlas Premium Insurance Plan?
| Hospital room and board | Average semi-private room rate, including nursing services. |
| Intensive care unit | Up to the overall maximum limit. |
| Hospital indemnity | Up to $500 |
| Emergency Quarantine Indemnity - COVID 19 | $50 a day for up to 10 days. Proof of quarantine mandate by a physician or government authority required.Quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.(only available outside your home country). |
| Outpatient physical therapy and chiropractic care | Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance) |
| Urgent care center co-payment | Claims incurred in the U.S.- Up to $15 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 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 or coinsurance) |
| Emergency medical evacuation | $1M lifetime maximum, except as provided under acute onset of pre-existing condition |
| Emergency reunion | Up to $150k, subject to a maximum of 15 days - not subject to deductible |
| Return of minor children | Up to $50k (not subject to deductible or coinsurance) |
| Natural disaster evacuation | $10,00 (not subject to deductible or coinsurance) |
| Repatriation of Remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. |
| Emergency Eye Exam for a Covered Loss | Up to $150, $50 deductible per occurrence (plan deductible is waived) |
| Political evacuation | Up to $150k lifetime maximum (not subject to deductible or coinsurance) |
| Local Burial or Cremation | Up to $5k lifetime maximum |
| Accidental death & dismemberment | Members under age 18: Up to $5k lifetime maximum. Members age 18-69: Up to $100k 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. Accidental death & dismemberment buy up: $25k |
| Common carrier accidental death | Up to $100k for ages 18 through 69 Up to $10k under age 18 Up to $25,000 for ages 70 through 74 Up to $12,500 for ages 75 and older |
| Trip Interruption | Up to $150k, maximum of 15 days (not subject to deductible or coinsurance) |
| Travel Delay | Up to $200 a day after a 12-hour delay period, maximum of 2 days |
| Lost Checked Luggage | Up to $2,000Up to $100 |
| Lost Passport / Travel Visa | Up to $100. Up to $100 |
| Personal Liability | Up to $100k lifetime maximum Up to $100k third person injury Up to $100k third person property Up to $2,500 related third person property(not subject to deductible or overall maximum limit). |
| Crisis Response | Up to $100,000 Covers ransom, personal belongings, and crisis response fees per certificate period. |
| Pet Return | Up to $1,000 Covers the cost of returning your pet home. |
| Border Entry Protection | Up to $500 If traveling on a valid B-2 visa and denied US entry. Not subject to deductible. |
| Acute Onset of Pre-Existing Condition | Covers up to overall maximum limit. Up to $25k lifetime maximum for Emergency Medical Evacuation |
Atlas Premium Insurance PPO Network - How It Works
Access to quality healthcare is a priority - here's how the Atlas Premium network works in and outside the USA.
Atlas Premium America uses the UnitedHealthcare PPO network - one of the largest provider networks in the United States, with access to over 1.5 million physicians and 7,000 hospitals nationwide. Staying in-network means the plan pays 100% of eligible expenses after your deductible.
There is no PPO network restriction when you're outside the United States. You have complete freedom to visit any licensed physician, hospital, or clinic in any country. Simply present your insurance ID card, receive treatment, and submit your bills for reimbursement. No referrals, no network restrictions, no pre-authorization required for most emergency services.
How Do I File a Claim With Atlas Premium Insurance?
To file a claim with Atlas Premium Insurance, follow these steps:
Atlas Premium Insurance - Customer Reviews
"I got a really great deal using World Trips Atlas insurance for my son. They found me the quote within minutes and it was by far the best on the market. Thank you!"
"Have not been on our trip yet but obtaining the insurance based on the different services provided was outstanding and made the decision easy on which plan to purchase."
"Easy to review plans and was very reasonably priced despite my husband having a preexisting medical condition. Customer service was extremely patient and helpful."
Atlas Premium Insurance - FAQs
Why Buy Atlas Premium Insurance from American Visitor Insurance?
- Best Price Guaranteed: Atlas Premium premiums are government-regulated. You pay the exact same price as buying directly from WorldTrips, but with licensed expert guidance included at no extra cost.
- Instant Online Purchase: Get your Atlas Premium quote, compare plans, and buy in under 5 minutes. Your WorldTrips ID card and policy documents arrive instantly by email - no paperwork, no waiting.
- Licensed Expert Agents: Not sure whether to choose Atlas America Premium or Atlas International Premium? Our licensed agents help you pick the right plan for your age, destination, health history, and budget - before you buy.
- 20+ Plans Compared: We compare Atlas Premium against 20+ visitor insurance plans side by side. If Patriot America Plus or another plan suits you better, we'll tell you honestly.
- Claims Support: Confused about filing a WorldTrips claim? Our team guides you through the Claimant's Statement form, required documents, and submission steps - so you get every dollar you're owed.
- Real Human Support: Call (877) 340-7910 and speak with a licensed agent. Whether you're deciding between a $250 or $500 deductible, or need help mid-trip, a real person answers.
- 25+ Years of Experience: American Visitor Insurance has been helping international travelers find the right coverage since 1999. We've seen it all and know how to get you protected properly.
- Easy Online Renewal: Extending your US visit or international trip? We make renewing your Atlas Premium policy simple and gap-free - online, before your current plan expires.