Atlas America Visitor Insurance
Atlas America Insurance Visitor Insurance is a comprehensive USA visitor medical insurance plan from WorldTrips that provides up to $2 million in medical coverage, PPO network access, emergency medical evacuation, and acute onset of pre-existing conditions coverage for eligible travelers up to age 79. It is designed for tourists, parents, relatives, and other international visitors traveling to the USA. Get an Atlas America quote online to compare your coverage options and price based on your age and trip details.
Start here: is this plan built for you?
Atlas America is WorldTrips comprehensive plan for visitors to the USA priced higher than a fixed-benefit plan, in exchange for paying your bill in full above the deductible.
What Your Travel Insurance Actually Covers
Pick a policy maximum to see the ceiling. Below it, this plan works differently from a fixed-benefit plan.Atlas America is not a fixed-benefit plan with separate dollar limits for each type of treatment. Once you meet your deductible, the plan pays 100% of eligible medical expenses, both in and out of network, up to your chosen policy maximum, subject to the plan terms.
The plan offers deductible options of $0, $100, $250, and $500, with other options available depending on the plan. Travelers under age 65 can choose a policy maximum of $50,000 to $2,000,000, while travelers ages 65 to 79 can choose $50,000 or $100,000. For travelers age 80 and older, the policy maximum is fixed at $10,000. COVID-19 is covered like any other eligible medical expense under the plan. Coverage is available for trips lasting 5 to 364 days.
How Atlas America Coverage Works
Here is how Atlas America works with a $100,000 policy maximum and a $250 deductible. These examples show how the deductible applies and how the plan covers eligible medical expenses after the deductible is met.
Well within the $100,000 policy maximum, so no cap is hit$29,150
How Much Does Atlas America Insurance Cost?
Your Atlas America premium depends on your age, deductible, policy maximum, and trip length. Choose the options that fit your trip to get an estimated price.
For Atlas America, published pricing starts at around $50 per month for a $50,000 policy maximum with a $250 deductible. Actual prices vary based on your age, coverage amount, deductible, and trip length, so use this as a general estimate. For the exact price, get a live quote based on your trip details.
Atlas America Insurance is a comprehensive travel medical insurance plan with coverage starting at around $50 per month. It can be a good choice for travelers who want strong medical coverage and a high policy maximum.
- 100% coverage after the deductible for eligible expenses, subject to the plan terms
- Up to $2,000,000 policy maximum for travelers under age 65
- Acute onset of pre-existing conditions may be covered up to the policy maximum for eligible travelers under age 80
- Access to the UnitedHealthcare PPO network
- Pregnancy: coverage for pregnancy complications up to 26 weeks
- Sports and activities: coverage may be available for eligible recreational sports, subject to the plan terms and exclusions
- Border entry protection: Provides up to $500 if you are traveling on a valid B-2 visa and are denied entrance at the U.S. border.
Choose Atlas America if you want comprehensive medical coverage with a high policy maximum and PPO network access. Before buying, check the plan details for pregnancy, sports activities, pre-existing conditions, and other exclusions that may apply to your trip.
What Is Atlas America Insurance?
Atlas America Insurance is a short-term travel medical insurance plan from WorldTrips, a member of the Tokio Marine HCC group of companies. It is designed for people traveling to the United States who need temporary medical coverage during their stay. The plan offers medical maximums up to $2,000,000 and emergency medical evacuation up to $1,000,000, depending on the traveler’s age and selected plan.
Unlike regular U.S. health insurance, Atlas America is specifically designed for international visitors, including tourists, family members visiting the USA, and other eligible travelers. Coverage can be purchased for 5 days to 364 days, depending on eligibility.
Atlas America covers eligible medical expenses in the USA, subject to the policy maximum, deductible, coinsurance, and plan terms you select. It also includes benefits such as emergency medical evacuation, repatriation of remains, and accidental death and dismemberment coverage.
The plan is underwritten by Lloyd’s, with WorldTrips serving as the plan administrator. The relevant underwriting capacity carries an A+ (Superior) financial strength rating from A.M. Best. Coinsurance can cover up to 100% of eligible expenses after the deductible, depending on the plan, network, and applicable policy terms.
Who Can Buy Atlas America Travel Insurance?
Atlas America is designed for non-U.S. citizens whose home country is outside the United States and who are traveling to the USA. Eligible travelers must be at least 14 days old and can purchase coverage for a minimum of 5 days. Common travelers include:
Tourists & leisure travelers
Visitors coming to the USA for vacation, sightseeing, or family events who want protection against unexpected medical expenses
Parents & relatives visiting family
Parents, grandparents, and other family members visiting children or relatives in the USA, including older travelers who want temporary medical coverage during their stay.
Business travelers
Professionals traveling to the USA for business meetings, training, conferences, or short-term assignments who do not have U.S. employer-sponsored health coverage.
Students & exchange visitors
Eligible international students, scholars, and exchange visitors who need temporary medical insurance while in the USA, subject to their visa, school, or program requirements.
What Are the Atlas America Insurance Policy Maximums by Age?
The policy maximum is the maximum amount the plan can pay for eligible covered expenses during your coverage period. The maximum available to you depends on your age when you purchase the policy, so the coverage options can be significantly different for ages.
Age at purchase Available policy maximums| Age at purchase | Available policy maximums |
|---|---|
| Under 65 | $50,000 · $100,000 · $250,000 · $500,000 · $1,000,000 · $2,000,000 |
| 65–79 | $50,000 · $100,000 |
| 80 and over | $10,000 |
Why age matters: Travelers who are 65 or older have fewer policy maximum options, and travelers age 80 and above have a $10,000 policy maximum under the option shown above. Because a major hospitalization in the U.S. can cost tens of thousands of dollars or more, travelers in this age group should carefully compare the available policy maximum with their potential medical expenses.
What Deductibles Does Atlas America Travel Medical Insurance Offers?
The deductible is the amount you must pay toward eligible covered expenses before the plan begins paying according to its benefit terms. You select the deductible when purchasing Atlas America. In general, choosing a higher deductible can reduce the premium, while choosing a lower deductible increases the premium.
| Deductible | General consideration |
|---|---|
| $0 | Lowest deductible and generally the highest premium |
| $100 / $250 / $500 | Common middle-ground options |
| $1,000 / $2,500 | $10,000 |
| $5,000 | Higher initial out-of-pocket cost and generally lower premium |
How Does Coinsurance Work With Atlas America Visitor Insurance for USA?
For eligible in-network expenses, Atlas America pays according to the plan's applicable benefit terms. If the benefit provides 100% coverage after the deductible, the plan can pay 100% of eligible in-network expenses after the deductible has been satisfied, up to the selected policy maximum.
For example, if you have a $500 deductible and receive $10,000 of eligible in-network medical treatment, you would first be responsible for the $500 deductible. The remaining $9,500 would then be considered for payment under the plan's applicable coverage terms.
Out-of-network care works differently. Although eligible out-of-network treatment may still be covered, your costs can be higher because you generally do not receive the same negotiated rates available through the PPO network. Depending on the specific service and plan terms, you may also be responsible for amounts that exceed the network's allowed or negotiated amount.
Why Choose Atlas America Visitor Insurance?
Atlas America offers flexible travel medical coverage for eligible international visitors to the USA, with benefits that can help protect against unexpected medical expenses during a trip.
- High Medical Coverage Limits : Choose medical maximums of up to $2 million, depending on the traveler’s age and selected plan.
- 100% Coinsurance : After the deductible, the plan may pay 100% of eligible expenses, subject to the policy maximum and applicable terms.
- U.S. Border Entry Benefit : Provides up to $500 if you are traveling on a valid B-2 visa and are denied entrance at the U.S. border. This benefit is not subject to the deductible.
- Emergency Medical Evacuation : Provides up to $1 million for eligible emergency medical evacuation.
- Pregnancy Complications Coverage : Covers complications of pregnancy during the first 26 weeks of gestation, subject to the plan’s terms, conditions, and exclusions.
- Sports Coverage : Offers coverage for eligible injuries and illnesses that occur while participating in vacation sports, subject to policy terms and exclusions.
- Acute Onset of Pre-Existing Conditions Provides coverage for eligible acute onset of pre-existing conditions for travelers up to age 79, subject to the applicable benefit limits, requirements, and policy terms.
- UnitedHealthcare PPO Network : Atlas America provides access to the UnitedHealthcare PPO network, giving eligible travelers access to a broad network of doctors, hospitals, and healthcare providers across the USA.
- Air Doctor : Eligible travelers can use Air Doctor to find and book appointments with participating doctors and healthcare providers while traveling.
- Travel Assistance Benefits Coverage may include eligible benefits for trip interruption, travel delay, lost checked luggage, and lost or stolen passports or visas.
- Flexible Coverage Period : Coverage is available for 5 days to 364 days, subject to eligibility and plan rules.
- Designed for International Visitors : Atlas America is specifically designed for tourists, parents visiting family, business travelers, students, and other eligible travelers seeking visitor health insurance in the USA.
Does Atlas America Insurance Cover Pre-Existing Conditions?
Yes. Atlas America provides coverage for the acute onset of a pre-existing condition for eligible travelers under age 80. The Acute Onset of Pre-existing Condition benefit is available up to the overall maximum limit of the policy, while Emergency Medical Evacuation related to an eligible acute onset of a pre-existing condition is subject to a $25,000 lifetime maximum. This coverage applies when a pre-existing condition suddenly and unexpectedly worsens and immediate treatment is essential and necessary to stabilize the condition.
For the benefit to apply:- Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
- The traveler must be under 80 years of age.
- The condition must not directly or indirectly relate to a chronic or congenital condition.
- The traveler must not be traveling against medical advice or established treatment recommendations.
- The traveler must not be traveling specifically to seek or obtain treatment for the pre-existing condition.
- The traveler must be outside their home country.
Does Atlas America Use a PPO Network?
Yes. Atlas America uses the UnitedHealthcare PPO network, giving travelers access to a large network of hospitals, clinics, and physicians across the U.S. In-network providers have agreed to negotiated rates, which can help reduce your out-of-pocket costs and make the claims process easier.
Here are two key advantages of using in-network providers:- Lower out-of-pocket costs. In-network providers use negotiated rates, which can help reduce the amount you pay for eligible covered care. After you meet your deductible, covered in-network expenses are paid according to the plan's benefit terms.
- Simpler claims process. In-network providers are familiar with the insurance network and can generally bill the plan directly, which may make the claims process more convenient than using an out-of-network provider. With out-of-network care, you may have higher out-of-pocket costs or need to handle more of the payment and reimbursement process yourself.
Does Atlas America Insurance Cover Sports and Adventure Activities?
Atlas America provides coverage for eligible injuries and illnesses resulting from covered sports and recreational activities, subject to the policy's exclusions, limitations, and benefit terms. For travelers who plan to stay active during their trip, this can be useful because they may not need to purchase a separate sports coverage option simply to participate in ordinary recreational activities.
Activities such as skiing and other adventure or recreational activities may be covered when the resulting injury or illness is otherwise eligible under the plan. However, coverage should not be interpreted as blanket protection for every sport or activity. Certain activities may be excluded or subject to specific conditions under the certificate of insurance.
For example, if you are planning a skiing trip, it is important to check whether your specific activity and circumstances meet the plan's definition of a covered activity before relying on the insurance.
Does Atlas America Cover Denied Entry at the US Border?
Atlas America may provide border entry protection for eligible travelers who are denied admission to the United States at the port of entry, subject to the specific policy terms and eligibility requirements. This benefit can be particularly relevant for visitors entering the U.S. on a B-2 visitor visa, because having a valid visa does not by itself guarantee admission. The final decision to admit a traveler is made by U.S. immigration authorities at the port of entry.
Where the benefit applies, Atlas America provides up to $500 toward eligible expenses associated with a qualifying denied-entry situation.
However, this should not be viewed as insurance against every immigration or visa problem. The benefit has specific eligibility requirements and conditions, so travelers should review the certificate of insurance to understand exactly when the benefit applies.
How Does Atlas America Visitor Insurance Works?
Atlas America is a comprehensive travel medical insurance plan designed to help cover eligible medical expenses for visitors traveling to the United States. Instead of paying a fixed dollar amount for each type of treatment, the plan generally pays eligible covered expenses according to the policy terms after the traveler satisfies the selected deductible.
A simple example shows how this works.
Example: How a $29,400 Medical Claim Could Be ProcessedImagine a visitor develops sudden chest pain during a trip and is admitted to an in-network U.S. hospital. After evaluation and treatment, the hospital submits a $29,400 bill for the eligible medical services.
Assume the traveler purchased Atlas America with a $500 deductible. After the deductible is satisfied, the plan pays 100% of eligible in-network expenses, up to the selected policy maximum, subject to the plan's terms, exclusions, and limitations.
| Claim Details | Amount |
|---|---|
| Total medical bill | $29,400 |
| Traveler's deductible | $500 |
| Amount remaining after deductible | $28,900 |
| Atlas America pays* | $28,900 |
| Traveler pays | $500 |
| Claim Details | Amount |
| Total medical bill | $29,400 |
In this example: The traveler has a $500 deductible. Once that deductible is applied, the remaining $28,900 in eligible expenses is considered for payment under the plan's terms. If the entire amount is covered, Atlas America pays $28,900 and the traveler pays $500.
What Are the Advantages and Disadvantages of Atlas America Travel Insurance for USA?
Advantages of Atlas America
High policy maximums for younger travelers: Travelers under 65 can choose policy maximums from $50,000 up to $2 million, giving them several coverage options depending on their needs and budget.
100% coverage after the deductible: Atlas America pays 100% of eligible expenses after the deductible, up to the overall policy maximum, subject to the plan's terms and limitations.
UnitedHealthcare PPO network: The plan uses the UnitedHealthcare PPO network, giving travelers access to a broad network of U.S. doctors, hospitals, and other healthcare providers.
Acute onset coverage: Eligible acute onset of pre-existing conditions can be covered up to the policy maximum for eligible travelers under age 80, subject to the plan's conditions and limitations.
Emergency medical evacuation: Provides up to $1 million in lifetime emergency medical evacuation benefits.
Pregnancy complication coverage: The plan provides coverage for eligible complications of pregnancy during the first 26 weeks of gestation, subject to the policy terms.
Emergency dental coverage: Provides up to $300 for eligible emergency dental treatment.
Border entry protection: Provides up to $500 for eligible border-entry situations.
Long coverage period: Coverage can be purchased for periods ranging from 5 to 364 days, making it suitable for both short visits and longer stays.
Disadvantages of Atlas America
Policy maximum is much lower for travelers 80+:Travelers purchasing the plan at age 80 or older have a $10,000 policy maximum, which may be limited for a major U.S. hospitalization.
Fewer maximum choices for ages 65–79: Travelers in this age group can choose only $50,000 or $100,000 policy maximums.
Pre-existing-condition coverage is limited: Atlas America is not designed to provide broad coverage for ongoing treatment of pre-existing conditions. Its acute-onset benefit has specific eligibility requirements and limitations.
Best overall takeaway: Atlas America can be a strong option for parents, tourists, and other international visitors traveling to the USA who are looking for visitor medical insurance or travel health insurance with flexible deductibles, high policy maximums for travelers under 65, and access to the UnitedHealthcare PPO network. However, travelers should pay close attention to age-based limits, especially for those age 80 and older, when the available policy maximum is $10,000.
Atlas America Visitor Insurance - FAQs
Atlas America medical insurance uses the UnitedHealthcare PPO network, giving travelers access to a large network of doctors, hospitals, and other healthcare providers across the USA. Before traveling, search for in-network doctors and hospitals near your destination to help reduce out-of-pocket costs and make it easier to access care during your trip.
Why Choose American Visitor Insurance for Atlas America?
American Visitor Insurance makes it easy for international visitors to compare and purchase Atlas America Visitor Insurance for their trip to the USA. Travelers can compare quotes based on their age, trip duration, coverage maximum, deductible, and specific travel needs before choosing a plan.
Atlas America may also provide up to $500 toward eligible expenses related to a qualifying denied-entry situation, subject to the plan's terms, conditions, and eligibility requirements.
With experienced insurance professionals and a convenient online quote process, American Visitor Insurance helps travelers understand Atlas America benefits, eligibility requirements, deductibles, exclusions, and coverage options before purchasing. Whether you are visiting family, traveling for tourism, attending a business event, or planning an extended stay in the USA, we make it easier to find a visitor insurance plan that fits your needs and budget.
Licensed Insurance Agency: American Visitor Insurance is a licensed insurance agency. License No.: [NJ License #1181604].