Compare Atlas America and Atlas America premium travel insurance by Worldtrips, Atlas health insurance, Atlas America visitor insurance

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* 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.

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Travel health Insurance is essential for international travel and it is important to choose the most appropriate plan among from among the different options available. Normally international travel insurance is classified as Comprehensive travel insurance or Fixed benefits (Limited) visitor insurance plans.

Comprehensive plans as the name suggests provide extensive benefits with greater coverage when compared to fixed benefit plans, they are however more expensive than the latter. With the changing lifestyles and attitudes of people on traveling outside one’s home country, you would find many older travellers also who travel internationally.

Choosing a travel health insurance plan can be a daunting task especially for older travellers, since the available coverage reduces for people above the age of 70 years. Keeping this age in mind, and considering some of the benefits like acute onset of pre-existing condition coverage and higher policy maximum options, there are a few comprehensive plans that work well for older travelers by WorldTrips atlas travel insurance.

Atlas Travel insurance offered by Worldtrips has been quite popular among the visitors to the US. This plan is now available for Non US citizens and US citizens traveling outside their home country. This plan has extended the coverage for acute onset of pre-existing conditions above age 70 up to age 80. A higher policy maximum option has also been made available for people up to age 80.

WorldTrips have another version of this comprehensive plan called Atlas Premium travel insurance. This plan has all the new updated benefits of Atlas travel plan mentioned above along with the upgrade in benefits for political evacuation, trip interruption, trip delay, emergency reunion...which is better than the regular Atlas Travel insurance plan.

This plan has increased the coverage for all of the benefits mentioned here along with extending the coverage for acute onset of pre-existing condition up to age 80. For people above 70 up to 79, the policy maximums available are $50,000, $100,000, $250,000.

You can Compare Atlas Travel insurance and the Atlas Premium travel insurance plans to differentiate and choose the right plan for our needs! Atlas Premium is more expensive when compared to the Atlas Travel plan as the coverage is also higher.

Atlas travel insurance with 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.

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View Atlas travel insurance brochures in different languages:

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Underwriter
Lloyd's.
Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Coinsurance
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Atlas Premium Links

Brochures
Atlas Travel Insurance Brochure Links
View Atlas travel insurance brochures in different languages:

English

Chinese

Japanese

Portuguese

Spanish
Buy online
Underwriter
Lloyd's.
Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Coinsurance
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Atlas travel insurance - Key highlights

Atlas America Insurance - Key Highlights

This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
This plan is available to both Non-US citizens and US citizens traveling outside their home country.
The deductible options for this plan are $0, $100, $250, $500, $1000, $2500 and $5000 per Certificate period.
The policy maximum options available with this plan are $50,000, $100,000,250,000, $500,000, $1000,000 or $2,000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $10,000.
You will be eligible for coverage of acute onset of pre-existing conditions if you are younger than 80 and all the conditions mentioned in the brochure are met. This includes a $25,000 lifetime maximum for emergency medical evacuation.
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.
Trip Interruption coverage available for upto $10,000 not subject to deductible
Travel Delay coverage is available for upto $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
Lost checked luggage up to $1000 - not subject to deductible.
Political Evacuation available up to $100,000 lifetime maximum not subject to deductible.
Bedside visit up to $1500 not subject to deductible.
Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10,000 per member, from age 18 to 69 - $50,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Atlas Premium Insurance - Key Highlights

The deductible options for this plan are $0, $100, $250, $500, $1000 , $2500 and $5000 per Certificate period
The policy maximum options available with this plan are $50,000, $100,000 ,$250,000 ,$500,000 , $1000,000 or $2,000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $20,000.
No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
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.
Trip Interruption coverage available for up to $15,000 not subject to deductible.
Travel Delay coverage is available for up to $200 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
Lost checked luggage up to $2000 - not subject to deductible.
Political Evacuation available up to $150,000 lifetime maximum not subject to deductible.
Bedside visit up to $1500 not subject to deductible.
Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10,000 per member, from age 18 to 69 - $100,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Covid-19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid-19 illness.

We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.

Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Compare Travel Plans Atlas Travel versus Atlas Premium versus Atlas Essential	Atlas America Plan Maximum Deductible Atlas Travel Insurance covers covid19 illness Buy Now	Atlas Premium America Plan Maximum Deductible Atlas Premium Insurance covers covid19 illness Buy Now	Atlas Essential America Plan Maximum Deductible Atlas Essential Insurance covers covid19 illness Buy Now
Covid19 Coverage	Atlas America Insurance covers eligible costs related to COVID-19	Atlas Premium Insurance covers eligible costs related to COVID-19	Atlas Essential Insurance covers eligible costs related to COVID-19
Medical Maximum Options	Age 80 or older - $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.	Age 80 or older - $20,000; 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.	Age 80 or older - $10,000; Age 65 to 79 - $50,000, $100,000; All others - $50,000, $100,000, $250,000, $500,000, or $1,000,000.
Deductible Options	$0, $100, $250, $500, $1,000, $2,500 or $5,000	$0, $100, $250, $500, $1,000, $2,500, or $5,000	$0, $100, $250, $500, $1,000, $2,500 or $5,000
Medical Benefits
Hospital room and board	Average semi-private room rate, including nursing services	Average semi-private room rate, including nursing services	Average semi-private room rate, including nursing services
Intensive care unit	Up to the overall maximum limit	Up to the overall maximum limit	Up to the overall maximum limit
Hospital indemnity	$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).	$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).	Not Available
Urgent Care Clinic	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.	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.	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.
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).	Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).	Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).>
Emergency Services
Emergency local ambulance	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Hospital emergency room	Outside the U.S: No co-payment. Inside 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)	Outside the U.S: No co-payment. Inside 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)	Outside the U.S: No co-payment. Inside 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)
Dental
Emergency dental treatment	Up to $300 (not subject to deductible or coinsurance).	Up to $300 (not subject to deductible or coinsurance).h	Up to $300 (not subject to deductible or coinsurance).n
Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions	Under 80 years of age,covers up to overall maximum limit. covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions)	Under 80 years of age,covers up to overall maximum limit. covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions)	Not Covered
Life
AD&D	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	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	Not Covered
Common carrier AD&D	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.	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 groupe	Not Covered
Evacuation
Emergency medical evacuation	$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.	Up to $1,000,000 lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition. Not subject to deductible or overall maximum limit	Up to $500,000 lifetime maximum, not subject to deductible or coinsurance.
Emergency reunion	Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance)	Up to $150,000, subject to a maximum of 15 days (not subject to deductible )e	Not Covered
Return of mortal remains or cremation/burial	Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.	Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.	Up to $25,000 lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limi
Return of minor children	Up to $50,000 (not subject to deductible or coinsurance).	Up to $50,000 (not subject to deductible or coinsurance).	Not Available
Political evacuation and repatriation	Up to $100,000 lifetime maximum (not subject to deductible or coinsurance).	Up to $150,000 lifetime maximum. (not subject to deductible or coinsurance).	Not Available
Natural disaster evacuation	Up to $250 a day for 5 days (not subject to deductible or coinsurance).	Up to $500 a day for 5 days (not subject to deductible or coinsurance).	Not Available
Trip interruption	Up to $10,000 (not subject to deductible or coinsurance)	Up to $15,000 (not subject to deductible or coinsurance)	Not Available
Trip Delay	Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance)	Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance)	Not Available
Terrorism	Up to $50,000 lifetime maximum for eligible medical expenses only.	Up to $50,000 lifetime maximum, eligible medical expenses only.	Up to $50,000 lifetime maximum for eligible medical expenses only.
Optional Personal Liability Rider	Up to $75,000 lifetime maximum - not subject to deductible or overall maximum limit.	-	-
Unique Advantages	Atlas America Insurance is designed for travelers on H1B/H4 visa holders or students on OPT status. Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.	Atlas Premium provides coverage with higher benefit limits. It is ideal for shorter trip or you are seeking more extensive coverage as you travel abroad.	Atlas Essential Insurance is best for travelers with less premium insurance. Atlas Essential offers less benefits.
Travel Insurance
Underwriter	Atlas Travel Insurance Underwriter Lloyd's	Atlas Premium Insurance Underwriter Underwritten by Lloyds, London	Atlas Essential Insurance Underwriter Underwritten by Lloyds, London
Rating	AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-	AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-	AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-
Brochure and Details	» Atlas America Insurance Brochure » Atlas America Insurance Details » Atlas America Insurance Reviews	» Atlas Premium Insurance Brochure » Atlas Premium Insurance Details » Atlas Premium Insurance Reviews	» Atlas Essential Insurance Brochure » Atlas Essential Insurance Details » Atlas Essential Insurance Reviews

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