Atlas Essential Insurance for visitors

Best travel health insurance for travelers to US and outside their home country

Atlas Essential Insurance Cost

Age & Citizenship
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Atlas Essential Travel Insurance for USA

Atlas Essential is for budget-conscious travelers, an Atlas Essential travel medical insurance policy provides coverage for the basic necessities as you travel outside of your home country.Atlas Essential insurance has two plans:

  • Atlas Essential America insurance is ideal for visiting the US.
  • Atlas Essential International Insurance is ideal for traveling outside the US.
  • Fewer benefits and lower coverage limits in exchange for a lower premium.

Key benefits of Atlas Essential plan Insurance

Hospital room and expenses

Emergency medical evacuation

Physical therapy

Emergency room

Urgent care

United health care ppo

Atlas Essential Insurance Reviews

Insurance provider
WorldTrips
Atlas Essential insurance rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Atlas travel insurance underwriter
Lloyd's
Compare Atlas travel insurance plans
Atlas Travel vs Atlas Premium
Policy maximum
  • Age 80+: $10k
  • Age 65 to 79: $50k $100k
  • All others: $50k to $2M
Deductible options
$0 $100 $250 $500 $1k $2,500 $5k per certificate period.
Coinsurance of Atlas Essential Insurance
Atlas Essential America in network: We will pay 75% of eligible expenses after the deductible to the overall maximum limit
75%
Atlas Essential International Out of Network: Usual, reasonable, and customary. You may be responsible for any

Atlas Essential Health Insurance - Key Highlights

  • 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.
  • Emergency Medical Evacuation is covered for $500k lifetime maximum(Not subject to deductible, co-insurance or overall maximum limit).
  • 79 years old turing 80 during the coverage period, Atlas Essential plan does not affect coverage as long plan is purchased at age 79.

WorldTrips Atlas Essential Travel Insurance summary


What is the eligibility to buy Atlas Essential Insurance
Atlas Essential America Insurance:
  • Available for Non-US Citizens visiting USA
Atlas Essential International Insurance:
  • Available for both Non US citizens and US citizens traveling outside their home country,excluding USA

Atlas Essential insurance Coinsurance
  • Within the PPO: We will pay 75% of eligible expenses after the deductible to the overall maximum limit.
  • Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

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Atlas Essential America Insurance cost for seniors per month in USA

The cost of WorldTrips Atlas Essential insurance for seniors is dependent on the following factors - The age of the traveler, the plan medical maximum coverage, the co-insurance and the deductible.

The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k,$250K, $500k, $1M,$2M depending on the age of traveller up to age of 64. $50k and $100k coverage is available for people age 65 to 79 years. For above 80 years $10,000 is available.

For Example here we are showing cost of senior travel insurance for one month with deductible of $100.

Age of traveler Maximum of $10K Maximum of $50K Maximum of $100K
65 – 69 years Not Available $191 $287
70 – 79 years Not Available $241 $362
80 – 99 years $430 Not Available Not Available

Atlas Essential travel medical insurance - FAQ's

01. Am I Eligible for an Atlas Essential Insurance Plan?

If you are at least 14 days old and traveling internationally, you are eligible for coverage. You must purchase coverage for at least 5 days, though you do not have to travel all 5 days.If you are under age 65, you may select an overall maximum limit between $50,000 and $2,000,000. Applicants age 65 to 79 may choose an overall maximum limit of $50,000 or $100,000. Atlas Essential travel insurance offers a $10,000 policy maximum to applicants over age 80.

02. Does Atlas Essential Insurance cover pre-existing conditions?

No. Atlas Essential insurance does not cover pre-existing conditions.

03. How much does Atlas Essential America cost per month in USA?

The cost of Atlas Essential America visitor medical insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit, the co-insurance and the deductible.

The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k, $500k, $1M depending on the age of traveler. To get a quote Click here

04. Who is eligible for Atlas Essential America travel insurance?

The Atlas Essential America Insurance is available for Non-US Citizens visiting USA.

05. Who is eligible for Atlas Essential International travel insurance?

The Atlas Essential International Insurance is ideal for both Non US citizens and US citizens traveling outside their home country,excluding USA.

Atlas Essential Claims Information


Download Atlas Essential claims form



Toll Free Number
800-605-2282

Claims Department
WorldTrips PO Box 240358 Apple Valley, MN 55124
Email: service@worldtrips.com

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Steps to buy travel insurance


Complete the quote form by entering your travel information

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Quotes for Atlas Essential Insurance for Visitors to USA!

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Plan benefits of Atlas Essential insurance

  • Hospital room and board Average semi-private room rate, including nursing services
    Intensive care unit Up to the overall maximum limit.
    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 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 medical evacuation $1M lifetime maximum, except as provided under acute onset of pre-existing condition.
    Repatriation of remains Up to $25k lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limit).
    Local Burial or Cremation Up to $5k lifetime maximum, not subject to deductible or coinsurance.

Atlas 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 International insurance

Acute onset of pre-existing conditions

  • Ideal for US citizens & Non US citizens traveling outside their home country.
  • Travel medical insurance for visiting Schengen countries and satisfies Schengen visa requirements.

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 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.

Atlas Essential Travel Insurance Exclusions

Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.

  • Charges resulting directly or indirectly from any pre-existing condition, except as covered under the Acute Onset of Pre-Existing Condition benefit
  • Routine medical examinations
  • Routine pre-natal care, pregnancy, childbirth, and post-natal care
  • Mental health disorders
  • Medical expenses for injury or illness resulting from participation in specifically-excluded extreme sports see Description of Coverage for full list of excluded sports).
A pre-existing condition is any condition:
  1. for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
  2. which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
  3. that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

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.

Atlas Essential Plan - PPO network

Atlas Essential Plan - Provider network and how to find hospital or doctor? 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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