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 also works for US citizens traveling outside USA. 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.79 years old turing 80 during the coverage period, Atlas International plan does not affect coverage as long plan is purchased at age 79. It also provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions.
Comprehensive plan
Emergency medical evacuation
Acute onset of a pre-existing condition
PPO network
Satisfies Schengen visa requirments
Covers complications of pregnancy
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.
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
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.
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.
The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.
The cost of the Worldtrips travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.
You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas America Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.
The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
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.
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.
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.
WorldTrips Covid19 travel insurance by Atlas International travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
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 Travel insurance offers a $10,000 policy maximum to applicants over age 80.
Atlas Travel does not provide any reimbursement if you must cancel your trip prior to departure. However, it does include a Trip Interruption benefit if you must end your trip early due to a covered reason.Note that Atlas Travel medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. It also provides more medical benefits with higher coverage limits than most travel insurance plans.
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.)
Here are some tips for buying pre-existing conditions travel insurance
There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.
At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.
Atlas Travel Insurance, Atlas America Insurance and Atlas Premium Insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).
A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.
Visitor secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America Insurance policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.
Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
WorldTrips’s Atlas America Insurance and Atlas Premium Insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.
These Acute on set of pre-existing condition excludes the following conditions
Review and compare the best Atlas International Travel insurance quotes.
Buy Atlas International Travel InsuranceHospital 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). |
COVID-19 | Includes medical coverage for eligible expenses related to Covid-19 |
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 72 hours) | 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 $100k, maximum of 15 days (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. |
Return of minor children | Up to $50k (not subject to deductible or coinsurance). |
Trip Interruption | Up to $10k (not subject to deductible or coinsurance). |
Travel Delay | Up to $100 a day after a 12-hour delay period, maximum of 2 days. |
Emergency reunion | Up to $100k, maximum of 15 days (not subject to deductible or coinsurance) |
Natural disaster evacuation | Up to $250 a day for 5 days (not subject to deductible or coinsurance). |
Emergency Eye Exam for a Covered Loss | Up to $150. $50 deductible per occurrence (plan deductible is waived). |
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 $25k lifetime maximum Up to $25k third person injury Up to $25k third person property Up to $2,500 related third person property Optional Personal Liability Rider of up to $75k 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 $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. $250,000 maximum benefit any one family or group. Accidental death & dismemberment buy up: $25k |
Common carrier accidental death | Up to $50k 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 $250k for any one family or group. |
Terrorism | $1k maximum limit. Not subject to deductible |
Lost or Stolen Passport/Travel Visa | Up to $100 – not subject to deductible |
Pet return | Up to the maximum limit |
Seatbelt benefit | Up to $1k (not subject to deductible or coinsurance). |
Bedside visit | Up to $1,500 (not subject to deductible or coinsurance). |
Optional Crisis Response Rider with Natural Disaster Evacuation | Up to $90k per certificate period, with $10k 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). |
Acute Onset of Pre-Existing Condition* | Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation. |
Review and compare the best Atlas Group Travel Insurance quotes.
Compare Atlas Group Travel quotes"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 a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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.
Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
WorldTrips - Provider network and how to find hospital or doctor?
Frequently asked questions and answer about travel insurance plans.
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