WorldTrips

Atlas America Travel Insurance

Atlas America Insurance Cost

Age & Citizenship
Coverage region
Start date
End date
Atlas America Insurance
Atlas travel insurance underwriter
Underwritten by Lloyds, London.
Atlas America insurance rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Insurance provider
WorldTrips
Plan life
364 days
Deductible options?
$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.
Policy maximum?
Age 80+:$10,000.
Age 65 to 79:$50,000, $100,000.
All others:$50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000

Atlas America Links

Atlas America Covid Quarantine insurance

quarantine coverage
  • Covid Quarantine Benefit: Atlas America insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
  • Coverage must be bought for a minimum of 30 days. Show proof of quarantine mandated by a physician or governmental authority.
  • Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.

WorldTrips Atlas America travel insurance summary

EligibiltyWhat is the eligibility to buy Atlas America visitors Insurance?
  • Non-US Citizens traveling outside their home country
Expenses incured by customer after deductibleAtlas America insurance Coinsurance?
  • Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Atlas America travel insurance network
Compare Atlas travel insurance plans
Atlas Travel insurance restrictions
  • 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.
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Plan Benefits

Atlas America insurance benefits

In-Patient Medical Benefits
Hospital room and board? Average semi-private room rate, including nursing services.
Intensive care unit? Up to the overall maximum limit.
Hospital indemnity? $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Emergency Quarantine Indemnity - COVID 19 $50 a day for up to 10 days. Proof of quarantine mandate by a physician or government authority required. (must have a minimum of 30 days of coverage) (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? $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Repatriation of remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
Return of minor children? Up to $50,000 (not subject to deductible or coinsurance).
Emergency reunion? Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance)
Trip Interruption Trip interruption? Up to $10,000 (not subject to deductible or coinsurance).
Travel delay Up to $100 a day after a 12-hour delay period, maximum of 2 days.
Emergency Eye Exam for a Covered Loss? Up to $150. $50 deductible per occurrence (plan deductible is waived).
Natural disaster evacuation? Up to $250 a day for 5 days (not subject to deductible or coinsurance).
Political evacuation? Up to $100,000 lifetime maximum (not subject to deductible or coinsurance).
Benefit Period 90 days per certificate period.
Personal liability? Up to $25,000 lifetime maximum
Up to $25,000 third person injury
Up to $25,000 third person property
Up to $2,500 related third person property
Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit).
Local Burial or Cremation? Up to $5,000 lifetime maximum.
Accidental death & dismemberment? Members under age 18: Up to $5,000 lifetime maximum.
Members age 18-69: Up to $25,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group.
Accidental death & dismemberment buy up: $25,000
Common carrier accidental death? Up to $50,000 for ages 18 through 69
Up to $10,000 under age 18
Up to $25,000 for ages 70 through 74
Up to $12,500 for ages 75 and older
Maximum of $250,000 for any one family or group.
Acute onset of pre-existing condition? Covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions)
Acute onset of pre-existing condition emergency medical evacuation? Covers up to $25,000 lifetime maximum. (excludes chronic and congenital conditions)
Terrorism? Up to $50,000 lifetime maximum for eligible medical expenses only.
Lost or Stolen Passport/Travel Visa Up to $100 – not subject to deductible
Pet return? $5,000
Seatbelt benefit Up to $1,000 (not subject to deductible or coinsurance).
Bedside visit? Up to $1,500 (not subject to deductible or coinsurance).
Crisis response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses) Up to $10,000 (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).
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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. Travelers can get free Atlas America Quotes by filling the above form.

General definition of pre-existing condition:

"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

Acute onset of pre-existing condition:

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Atlas America insurance - Common Questions

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.

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.

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 .

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.

What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?

WorldTrips covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority. Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.

Why should I buy travel insurance from WorldTrips insurance?

WorldTrips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.

Can visitors to USA buy Atlas America insurance who are already in USA for quite some time?

Yes, Atlas America insurance is a good option for visitors to US who have been here for some time and do not have a current insurance coverage. It is also an excellent plan for international students who are on the OPT status, H1B visa holders and for Spouses of H1B visa holders on the H4 visa status.

Does Atlas America Insurance offer coverage for sports?

Atlas America covers eligible injuries and illness incurred while taking part in many popular vacation sports - skiing, snowboarding, snorkelling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.

Does Atlas America offer coverage for maternity?

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

Can I extend my medical coverage from Atlas America Insurance if I want to extend my duration of stay in USA?

Yes, US Visitors who had initially bought for less than 364 days can renew Atlas America Insurance online up to 364 days.

Does Atlas America insurance cover pre-existing conditions?

Atlas America is a best travel insurance pre existing conditions Insurance that offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It 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.

How to use Atlas America visitor medical insurance in case of emergency in the United states?

Visitors can review this article on how to use Atlas America visitor medical insurance in case of emergency in the United States.

Does the Atlas America plan cover 100% outside PPO. Does it cover outside the United States and pay100% inside and outside PPO?

The Atlas America plan covers 100% of the expenses outside PPO. Yes, it provides worldwide coverage including and excluding USA.

What are the US state and country restrictions to buy Atlas America Visitors Insurance plan?

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.

How does Atlas America insurance offer coverage for medical expenses?

Atlas America insurance offers comprehensive coverage for visitors to USA. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “First Health care network or United health care.”. When Traveling Outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Atlas America insurance pays 100% up to maximum limit. For detailed working example of how it works, you can review Atlas America insurance working example.

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

Atlas Travel insurance restrictions

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.

Provider network and how to find hospital or doctor?

WorldTrips maintains a wide network of health care providers.
Inside US:
  • If you have purchased the policy before July 2019 then click here
United Healthcare Provider Network
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
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Buying Atlas America Visitor insurance in California

Residents of California must note that Atlas America insurance Provider is not licensed by the State of California as the insurance provider is called “non admitted” or “surplus line”. This means that the insurance company does not participate in the insurance guarantee funds created by California Law and insured claims will not be paid by the funds if the insurance company is unable to pay as promised.

However the customer will face this risk only if the insurance company is financially unable to pay their liabilities and this depends on their financial stability. The financial stability of a company is reflected by the insurance provider rating and having an AM rating of “A” and above indicates that the company is very stable and able to settle customer claims. WorldTrips holds a financial strength rating of “A++” (Superior) by A.M. Best Company.

You can find other comprehensive visitor insurance plans  

For more details see the :- Notice for California residents
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