Atlas America travel health insurance reviews

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Atlas America travel insurance - Covid19 coverage details

Atlas America insurance offered by WorldTrips 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.

Atlas America travel insurance review, Atlas travel insurance review

Atlas America Insurance
Insurance provider
Plan life - 364 days.
Atlas travel insurance underwriter
Underwritten by Lloyds, London.
Deductible options?
$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.
Atlas America insurance rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Policy maximum?
Age 80+:$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

Atlas America travel insurance Links

Atlas America travel insurance reviews, Atlas America travel insurance

  • Offers Coverage up to a maximum $2,000,000.
  • Meets requirements for travelers who are on OPT and H4 status or Designed for adventures.
  • Offers coverage for acute onset of pre-existing conditions up to overall maximum limit? for travelers up to the age of 79 years.

A working example of using Atlas America travel insurance *

Let us take an example for an eligible claim for a covered condition (claim incurred in the PPO): The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance : The plan pays 100% (if treatment is received in a hospital within provider network,PPO network)
  • Total medical expenses is $25,100
The Atlas America Insurance plan covers set amount up to a maximum of $50,000. The insured must pay the deductible ($100). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.

Atlas America Insurance
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Hospital Room Rent $9,000 $8,900 $100 (deductible)
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,100 $24,900 $200
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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Atlas America Insurance Information

Atlas America Insurance advantages

  • Atlas America travel insurance offered by WorldTrips will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
  • Comprehensive coverage plan with multiple PPO network providers (greater choice of hospitals and doctors).
  • Coverage for acute onset of Pre-Existing conditions** up to overall maximum limit and up to $25,000 for emergency medical evacuation for customers under the age of 70 years.
  • $50,000 and $100,000 overall maximum coverage is available for the travelers in the age group of 65-79 yrs.
  • The plan pays 100% (No co-insurance) of medical expenses if the services are rendered within the PPO network inside the USA.
  • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
  • One time Deductible per certificate period.
  • Cancellation and refund of full premium before policy start date.
  • This Plan also covers Emergency Reunion, Return of Minor Children, Natural Disaster and Political Evacuation.
  • Atlas America is designed for people outside their home country whose travel includes the US
  • Meets requirements for travelers who are on OPT and H4 status.

Atlas America Insurance Disadvantages

  • Can be renewed only up to 364 days. After one year customer has to buy a new plan. With a new plan, the pre-existing lookback period resets
  • Acute onset of Pre-existing coverage** not available beyond 70 years.

What are some travel health insurance terms important to understand Atlas America Insurance reviews?

Know these important aspects of international visitor insurance for USA in Atlas America reviews:
  • Plan Maximum coverage of Atlas America travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum. Age 80 or older - $10,000; Age 65 to 79 - $50,000, $100,000.
  • What is a deductible in Atlas America visitors 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 offer a set of deductible options for the travelers to choose from. Atlas America insurance has a range of deductible option from $0 up to $5,000.
  • What is a provider network of Atlas America Medical 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.
  • What is coinsurance in Atlas America visitor insurance?
    This is a percentage of the bill that the travel has to pay. Atlas America plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Renewability of Atlas America Travel health 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.
  • Eligibility to buy Atlas America Insurance Online
    Atlas America Insurance is a popular US visitor insurance plan that offers 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.
  • Atlas America Pre-existing conditions Visitors Insurance for international travelers
    Atlas America insurance offers coverage for acute onset of pre-existing conditions** up to the age of 79 years.
** An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning, either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage.

A pre-existing condition is any condition:
  • for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage.
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage.
  • that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you.

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Atlas America Travel Insurance - FAQ's about coverage for Covid19

COVID-19 illness is covered by WorldTrips' Atlas America travel medical insurance.

If you want to cancel Atlas America insurance, you must submit your cancellation request to 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 Insurance 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.

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 works ideally for visitors to the US applying for any of these visas.

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

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