AtlasPremium travel insurance provides exceptional, quality coverage for travelers interested in the best travel medical insurance with high coverage limits.
Comprehensive plan
Emergency medical evacuation
Acute onset of a pre-existing condition
PPO network
Urgent care
Provides quality coverage with with high coverage limits.
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 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.
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 Premium 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 Premium Travel insurance offers a $10,000 policy maximum to applicants over age 80.
Atlas Premium 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 Premium 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.
American Visitor Insurance works with reputed US travel insurance providers to give international travelers a wide range of travel insurance options. Our company has two decades experience in understanding the diverse requirements of international travelers and in offering appropriate travel insurance options to them. Our typical customers range from international travelers visiting family in the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries who need travel insurance to satisfy visa requirements, trip cancellation customers to insurance their trip expenses, travelers looking for Covid19 travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.
Our licensed dedicated customer support team provide service at all times helping customers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all international travel insurance questions, reviews of different products, testimonials for customers as well as provide an user friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.
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 Premium Travel insurance quotes.
Buy Atlas Premium Travel InsuranceOutpatient 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 |
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 $15k (not subject to deductible or coinsurance). |
Travel Delay | Up to $200 a day after a 12-hour delay period, maximum of 2 days. |
Emergency reunion | Up to $150k, maximum of 15 days (not subject to deductible or coinsurance) |
Natural disaster evacuation | $10,00 (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 $150k lifetime maximum (not subject to deductible or coinsurance). |
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). |
Local Burial or Cremation | Up to $5k lifetime maximum. |
Terrorism | Up to $300 – not subject to deductible |
Lost or Stolen Passport/Travel Visa | Up to $100 – not subject to deductible |
Pet return | $1k |
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 $100k per certificate period |
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. Up to $25k lifetime maximum for Emergency Medical Evacuation. |
"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?
Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best. Visitors can also get Atlas covid travel insurance quotes.
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers
The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.
The cost of travel insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.
Frequently asked questions and answer about travel insurance plans.
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