Atlas International Insurance Reviews

Atlas International Insurance Cost

Age & Citizenship
Start Date
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Atlas International travel insurance

A++ (Superior) Standard & Poor’s Rating: AA-
Underwritten by SiriusPoint Specialty Insurance Corporation, a White Mountains Insurance Group Company.

Ideal for Schengen visaAcute onset of pre-existing conditions

Atlas International insurance review

Atlas International is a visitor travel medical insurance plan for coverage outside the USA. It is one of the few visitor insurance plans that waives co-insurance within the PPO network. Atlas International insurance schengen visa review is an ideal travel medical insurance for visiting Schengen countries and satisfies Schengen visa requirements.

Atlas International Insurance - Key Highlights

  • This is available for Non US citizens and US citizens traveling outside their home country.
  • No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
  • The deductible options available are $0, $100, $250, $500, $1k, $2.5k and 5k.
  • Trip Interruption coverage available for up to $10k not subject to deductible.
  • Acute on set of pre-exisitng condition available up to 79 years
  • Trip Interruption up to $10k.

Customer Reviews

Reviews, Ratings and Experiences

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!
  |   Cupa
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.
  |   Amelia
Easy to review plans and was very reasonably priced despite my husband having a preexisting medical condition. Customer service was extremely patient and helpful.
  |   Jennifer

Advantages and Disadvantages of Atlas International Insurance

  • Atlas International Insurance Advantages
    • Covers Acute on set of pre-existing conditions up to 79 years.
    • Optional coverage for adventurous sports.
    • This plan also covers for terrorism, political evacuation, natural disaster benefit and return of minor children.
    • Renewable plan up to 36 months.
    • United Health Care PPO is available
  • Atlas International Insurance Disadvantages
    • The plan is not available to individuals who are physically located in the state of New York at time of purchase.
    • Pre-certification is required to receive full benefits. Failure to pre-certify with the assistance company will reduce the benefits to 50%.
    • Only $10k coverage for 80 plus age old traveler.
    • The previous benefit of free coverage for dependent children under 9 years when parents are coverage has been discontinued.
    • A penalty of 50% of eligible medical expenses for failure to pre-certify the medical expenses.

An Overview of Atlas International Insurance


  • Eligible for Non US citizens and US citizens traveling outside their home country
  • Excluding USA For ages 14 days to 99 years.


  • Coverage is available from 5 days to 12 months.
  • This plan can be renewed online.

Pre-existing condition

  • Offers Acute onset of pre-existing coverage up to the age of 70 years.
  • $25,000 maximum limit for emergency medical evacuation.


  • Before effective date: Full refund of premium is available.
  • After effective date: Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the premium will be refunded; and
    You cannot have filed any claims to be eligible for a premium refund.


For coverage inside USA Atlas International insurance pays:

  • Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.


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.

A working example of using Atlas International travel insurance*

The cost of WorldTrips Atlas International insurance for seniors is dependent on the following factors the age of the traveler,the plan maximum and the deductible.

  • Insurance coverage is $50k
  • Deductible is $100 per certificate period
  • Coinsurance for claims : After the deductible, underwriters will pay 100% up to the policy limit
  • Total medical expenses is $25,100

The Atlas International Insurance plan covers set amount up to a maximum of $50k. The insured must pay the deductible ($100). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 N/A $100
Hospital Room Rent $9k $9k N/A
Surgery $15k $15k N/A
X Ray $1k $1k N/A
Total: $25,100 $25k $100

We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Plan details of Atlas International insurance

Atlas International insurance - Common Questions

01. What Are Atlas International and Atlas America?

Atlas Travel policyholders who are U.S. citizens or non-U.S. citizens traveling outside of the U.S. will be covered under Atlas International, which provides coverage outside of the United States.

Atlas Travel policyholders who are non-U.S. citizens (and home country is not the United States) traveling to the United States will be covered under Atlas America. (For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands.)

The correct plan will be automatically selected for you when you purchase your Atlas Travel plan, depending on whether your trip includes coverage for the U.S. (You will only be covered for the U.S. if you are a non-U.S. citizen, your home country is not the United States, and all or part of your travel includes the U.S.)

02. Can I buy Atlas International insurance for Schengen visa?

Yes, you can buy Atlas International insurance as it satisfies the Schengen visa requirements as mandated by the European consulates and also offers the Schengen visa letter as required by the Schengen state consulates. Atlas International travel insurance also offers visa letter in French if required.

03. Can US citizens buy Atlas International insurance?

Yes. Atlas International plan is available for both US and Non-US citizens traveling outside the US.This plan is available from 5 days to 364 days.

04. Does Atlas International insurance cover pre-existing conditions?

Atlas International health insurance for travellers is one of the travel insurance for pre existing conditions as it offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It however 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.

Atlas International - PPO network

Atlas International - Provider network and how to find hospital or doctor?
United Healthcare Provider Network

WorldTrips maintains a wide network of health care providers.

Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here
Find Provider Network

Atlas International Claims Information

Download Atlas International claims form

Toll Free Number

Claims Department
WorldTrips PO Box 240358 Apple Valley, MN 55124

WorldTrips Insurance related coverage

Atlas Group insurance

Group of 5 or more travelersNewly arrived immigrants

  • Insurance for Groups of 5 or more travelers travelling outside their home country
  • Insurance for missionaries, student groups, families, corporate groups and organizations.

Atlas America insurance

Acute onset of pre-existing conditions

  • US travel Medical Insurance for Non-US Citizens traveling outside their home country.
  • It is ideal for people on OPT and H1 Visa holders who are already in the US for sometime.

Atlas Premium insurance

High coverage limits.Pre-existing conditions

  • Best suited for travelers interested in the best travel medical insurance with high coverage limits.
  • Available for Non US citizens travelling outside their home country.

Atlas MedEvac Insurance

Study abroad studentsMedEvac coverage

  • Medical evacuation and repatriation travel insurance for Study abroad students.
  • Available for people age above 14 days and below 50 years and it can be renewable up to 365 days.

WorldTrips resourceful travel insurance links