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Compare Atlas Travel Insurance vs Atlas Premium Travel Insurance

Compare travel insurance benefits offered by Atlas America Insurance and Atlas Premium Travel Insurance plans. These two US travel insurance plans are comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.
Atlas America travel insurance offered by WorldTrips will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Atlas Travel insurance offers $50 per day for each day the travelers are quarantined abroad for a maximum of 10 days. Coverage must be bought for a minimum of 30days and must show proof of quarantine mandated by a physician or governmental authority. This quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results. It is not available while in your home country and not subject to deductible.

Atlas Travel vs Atlas Premium (World Trips), Best health insurance for visitors to USA

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Atlas America
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 Atlas Premium America 
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Atlas Essential
Atlas America
Plan Maximum
Deductible
Atlas Travel Insurance covers covid19 illness
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Atlas Premium
Plan Maximum
Deductible
Atlas Premium Insurance covers covid19 illness
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Atlas Essential
Plan Maximum
Deductible
Atlas Essential 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
Acute Onset of Pre-existing Condition** Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
Not Available
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.
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 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
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.
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
Repatriation of Remains Up to the overall maximum limit (not subject to deductible or coinsurance). Up to the overall maximum limit (not subject to deductible or coinsurance). Up to $25,000 lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limit).
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
Political Evacuation 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 - Replacement Accommodations 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
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.

 Accident death and dismemberment

Common Carrier Under age 18 years - Up to $5,000; 18 to 69 years - Up to $50,000; 70 to 74 years - Up to $12,500; 75 and older - Up to $6,250 lifetime maximum; $250,000 maximum benefit any one family or group(not subject to deductible or coinsurance). Under age 18 years - Up to $5,000; 18 to 69 years - Up to $100,000; 70 to 74 years - Up to $12,500; 75 and older - Up to $6,250 lifetime maximum; $250,000 maximum benefit any one family or group (Excludes loss due to common carrier accident) Not Available
Emergency Dental (acute onset of pain) Up to $300 (not subject to deductible or coinsurance). Up to $300 (not subject to deductible or coinsurance). -
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, subject to a 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 or coinsurance). -

 Travel Insurance

Underwriter Atlas America 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

* 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 America Insurance and Atlas Premium Insurance, Compare Atlas travel insurance for USA

International travel involves high risks and uncertainties. A sudden mishap like sickness or accidental injuries which results in hospitalization can lead to a big financial loss. Travel risks include trip interruption, trip delay, trip cancellation, loss of baggage, loss of passport, emergency evacuation and more. In destinations like the US where the health care is sophisticated and extremely high. The travelers to the US must buy good and adequate Visitor medical insurance which would cover most of the expenses. World Trips offer Atlas travel insurance which is quite popular among International tourists to USA. WorldTrips Atlas Travel Insurance ratings by AM Best Rating is A++ (Superior).
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  • Atlas America Insurance and Atlas Premium Insurance are the two best visitors insurance for USA. Atlas Premium insurance offers high end coverage for travelers looking for extensive coverage.
  • Atlas Premium insurance offers higher plan maximum of $20,000 visitor insurance for older travelers above 89 years while Atlas America offers coverage of $10,000 for seniors overs 80 years.
  • Atlas premium also offers better coverage of Accidental death and dismemberment lifetime maximum of $100,000, personal liability lifetime maximum of $100,000 and Crisis response of $100,000 per certificate period.

What are the factors to consider while comparing Atlas America Insurance and Atlas Premium Insurance, compare atlas travel insurance USA?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America Insurance and Atlas Premium Insurance:
  • Compare visitor medical insurance maximum coverage between Atlas America Insurance and Atlas Premium 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 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 vs Atlas Premium America - FAQs

  • Atlas America
  • Atlas Premium

Atlas America insurance for covid coverage. includes eligible medical expenses resulting from COVID-19/SARS-CoV-2. It offers $50 per day for each day the travelers are quarantined abroad for a maximum of 10 days. Coverage must be bought for a minimum of 30days and must show proof of quarantine mandated by a physician or governmental authority. This quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results. It is not available while in your home country and not subject to deductible.

WorldTrips offers a range of international travel insurance plans specifically considered for the needs of international travelers and students. WorldTrips travel insurance products are ideal for NON US citizens traveling to the US or outside their home country, for US citizens traveling outside the US and international students studying outside their home country. The Atlas America insurance Covid covers Coronavirus and acute onset of pre-existing conditions and is very popular with international travelers.

Yes, Atlas America is designed for people outside their home country whose travel includes the US. 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.

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.

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

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

If you want to cancel Atlas America insurance, you must submit your cancellation request to orders@world-trips.com in order to receive a refund or premium. Only members who have no claims are eligible for premium refund.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:
  • Full refund of premium.
Cancellation after effective date:
  • $25 cancellation fee will be charged by the insurance company.
  • Only unused portion of the plan cost will be refunded.

Atlas America is a best travel insurance pre existing conditions Insurance that offers coverage for acute onset of pre-existing are covered under the age of 80 years. It excludes coverage for chronic and congenital conditions. For visitors under the age of 80 years, it offers coverage up to overall maximum limit.

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

Atlas America insurance offers comprehensive coverage for visitors to USA. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “First Health care network or United health care.”. When Traveling Outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Atlas America insurance pays 100% up to maximum limit. For detailed working example of how it works, you can review Atlas America insurance working example.

As a visitor to the United States, you will need to have a visa issued in your passport to be allowed in to country. You can find out whether or not you need a US visa by reviewing the visa waiver program list of countries by the US government. The type of visa that you need will be based on the reason of your travel to the US. Atlas America insurance offered by WorldTrips HCC works ideally for visitors to the US applying for any of these visas.

Some of the common US visas are :

For anyone coming to the United States, you will need to have a visa issued in your passport to be allowed in to country unless you are a citizen of a country which is part of the US visa waiver program. The list of countries under the Visa waiver program are provided here. The category of visa that you need to apply for is dependent on the reason of your visit to the US. Atlas Premium insurance is very popular with visitors applying for any of these visas to the United States.

Some of the Common US visas are :
  1. Visitor visa or Tourist Visa
  2. International Student visa (F1 visa)
  3. J visa (exchange scholar visa)
  4. H1B work visa
  5. Fiancee visa

Atlas Premium insurance for covid coverage. includes eligible medical expenses resulting from COVID-19/SARS-CoV-2. It offers $50 per day for each day the travelers are quarantined abroad for a maximum of 10 days. Coverage must be bought for a minimum of 30days and must show proof of quarantine mandated by a physician or governmental authority. This quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results. It is not available while in your home country and not subject to deductible.

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Atlas Premium and Essential insurance comparison for pre existing condition coverage
question Hi,
I am looking to compare Atlas Premium and Atlast Essential insurance for my father who is not a resident of the USA but is going to be here for 6months. He is 77years and has a pre-existing condition- prostate cancer. I would appreciate it if you could share where I could find a list of in-network oncologists in IL and MN. Also, if the drug Zoladex LA is covered by any of the plans.

Thank you,
Deepa Sethi

question Dear Deepa,
With the Atlas Premium plan only acute onset or sudden recurrence of the pre existing conditions are covered. Any routine work or prescription medication for the pre existing conditions are not covered.

With the Atlas Essential plan pre existing condition coverage is excluded.

Most of the insurance plans cover only acute onset of pre-existing conditions and not the other routine expenses associated with the condition.

Hope this is clear
Please let us know if you have any other questions
Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910
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