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Compare Atlas travel insurance by Worldtrips

Compare Atlas Travel plans by WorldTrips

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Atlas Travel
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 Atlas Premium 
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Atlas Essential 
Atlas America
Plan Maximum
Deductible
Atlas Travel Insurance covers covid19 illness
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Atlas Premium America
Plan Maximum
Deductible
Atlas Premium Insurance covers covid19 illness
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Atlas Essential America
Plan Maximum
Deductible
Atlas Essential Insurance covers covid19 illness
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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 help 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 help Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit
Hospital indemnity help $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 help 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 help 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 help 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 help 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 help 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 help 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 help 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 help $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 help 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 help 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 help 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 help 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 help 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 help 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
Terrorismhelp 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
TMHCC Insurance SPC Ltd and Houston Casualty Company		 Atlas Premium Insurance Underwriter
TMHCC Insurance SPC Ltd and Houston Casualty Company		 Atlas Essential Insurance Underwriter TMHCC Insurance SPC Ltd and Houston Casualty Company
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

* 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.

Compare Atlas travel insurance plans

Atlas travel insurance plans

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 America and Atlas Premium 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 America Links Atlas Premium Links
picture_as_pdf Brochures picture_as_pdf Brochures
picture_as_pdf Buy online picture_as_pdf Buy online
Underwriter
TMHCC Insurance SPC Ltd and Houston Casualty Company		 Underwriter
TMHCC Insurance SPC Ltd and Houston Casualty Company
Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-		 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.		 Coinsurance
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.

How much does Atlas America health insurance cost per month?

The Atlas America insurance cost per month ranges between $50 to $444. This is dependent on the age of the traveler, the plan maximum and the deductible.

Understandably, the Atlas America health insurance cost is higher for older travellers as they are more likely to need healthcare while traveling. Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 64 years can choose maximum limits of $50,000, $100,000, $250,000 $500,000, $1,000,000, $2,000,000. Travelers aged 65 to 79 years can choose $50,000 or $100,000 coverage. For travelers above 80 years only $10,000 maximum coverage is available.

Age of traveler Medical Maximum
$50,000 $100,000 $250,000 $500,000 $1,000,000 $2,000,000
18 - 29 years $50 $63 $69 $87 $100 $105
30 – 39 years $60 $81 $94 $101 $111 $117
40 – 49 years $78 $96 $108 $128 $146 $154
50 - 59 years $131 $161 $200 $225 $248 $261
60 - 64 years $177 $225 $301 $327 $360 $378
65 – 69 years $206 $258
70 -79 years $356 $444

*For senior travelers aged 80 to 99, the cost is $528, with a maximum coverage of $10,000 and a deductible of $250.

Atlas travel insurance - Key highlights

What are the factors to consider while comparing Atlas America vs Atlas America premium insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America travel insurance and Atlas Premium America insurance:
  • Compare visitor medical insurance maximum coverage between Atlas America Insurance and Atlas Premium America Insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million and Atlas Premium Insurance offers coverage up to 2 million. Atlas Premium America offers $20,000 maximum for older travelers above 80 years while Atlas America Insurance offers $10,000 maximum for older travelers above 80 years.
  • Compare visitors health insurance deductible options between Atlas America Insurance and Atlas Premium Insurance:
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Atlas America insurance and Atlas Premium Insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance and Atlas Premium Insurance Insurance have a range of deductible option from $0 up to $5,000.
  • Compare travel medical insurance provider network for Atlas America Insurance and Atlas Premium Insurance:
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Compare travel insurance coinsurance options for Atlas America Insurance and Atlas Premium Insurance:
    This is a percentage of the bill that the travel has to pay. Atlas America and Atlas Premium plans pays 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Contrast the travel health Insurance renewability options for Atlas America Insurance and Atlas Premium Insurance:
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas America Insurance can be renewed for 364 days while Atlas Premium Insurance also can be renewed up to a total of 364 days.
  • Compare eligibility options of US visitors travel insurance for Atlas America Insurance and Atlas Premium Insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas America Insurance is quite popular among h1b/ h4 visa holders and students on opt status as it has not limitation on buying insurance if they are already in the US for quite some time.
  • Compare visitors insurance Pre-existing conditions coverage for Atlas America Insurance and Atlas Premium Insurance:
    Atlas America Insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Atlas Premium Insurance also offers coverage for acute onset of pre-existing conditions up to the age of 79 years.

Atlas America insurance FAQ’s

1. Can visitors to USA buy Atlas America insurance who are already in USA for quite some time?

Yes, Atlas America insurance is a good option for visitors to US who have been here for some time and do not have a current insurance coverage. It is also an excellent plan for international students who are on the OPT status, H1B visa holders and for Spouses of H1B visa holders on the H4 visa status.

2. Does Atlas America Insurance offer coverage for sports?

Atlas America covers eligible injuries and illness incurred while taking part in many popular vacation sports - skiing, snowboarding, snorkelling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.

3. Does Atlas America offer coverage for maternity?

Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.

4. Can I extend my medical coverage from Atlas America Insurance if I want to extend my duration of stay in USA?

Yes, US Visitors who had initially bought for less than 364 days can renew Atlas America Insurance online up to 364 days.

5. Does Atlas America insurance cover pre-existing conditions?

Atlas America is a best travel insurance pre existing conditions Insurance that offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It excludes coverage for chronic and congenital conditions. For visitors aged up to 70 years, it offers coverage up to overall maximum limit. Visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100,000, whichever is lower.

6. How to use Atlas America visitor medical insurance in case of emergency in the United states?

Visitors can review this article on how to use Atlas America visitor medical insurance in case of emergency in the United States.

7. Does the Atlas America plan cover 100% outside PPO. Does it cover outside the United States and pay100% inside and outside PPO?

The Atlas America plan covers 100% of the expenses outside PPO. Yes, it provides worldwide coverage including and excluding USA.

8. What are the US state and country restrictions to buy Atlas America Visitors Insurance plan?

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.

9. Does Atlas Premium Insurance cover covid illness?

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

10. Am I Eligible for an Atlas Premium Travel 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 Premium Travel insurance offers a $10,000 policy maximum to applicants over age 80.

11. Does the Atlas Premium Travel Insurance Plan Provide Any Trip Cancellation Coverage?

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.

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flight_takeoff 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.

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