Does Atlas America insurance cover pre-existing conditions?

Atlas America does not cover pre-existing conditions in general, but it does cover the acute onset of pre-existing conditions for travelers under age 80. This benefit applies to sudden and unexpected flare-ups requiring urgent medical care.

Is Atlas America good for elderly parents visiting the USA?

Yes. Atlas America is a popular visitor insurance option for parents and seniors visiting the USA because it includes acute onset pre-existing condition coverage up to age 80, flexible policy maximums, and access to a large PPO network.

Can I buy Atlas America insurance if I'm already in the USA?

Yes. Atlas America can be purchased even if you are already in the United States. Coverage can begin as soon as the same day, making it a convenient option for visitors, students, and temporary workers.

Does Atlas America offer telehealth or telemedicine services?

Yes. Atlas America policyholders receive access to Air Doctor telehealth services, including up to two free doctor consultations per policy. For coverage within the USA, consultations are provided through telehealth appointments.

verified WorldTrips · Underwritten by TMHCC

Atlas America Insurance Reviews

Atlas America is a comprehensive visitor medical insurance plan for international travelers visiting the USA - covering hospitalization, urgent care, and acute pre-existing conditions. Plans start from just $1.59 per day.

From $50 /month - less than $1.59/day

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5 days

Minimum coverage

364 days

Maximum renewable

A++

AM Best rating

$2M

Max coverage

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Atlas America Cost Calculator - Get Free Quote

Get your exact price instantly & buy coverage in minutes.

Client Stories

WorldTrips Atlas America Travel Medical Insurance Reviews

★★★★★

"I got a really great deal using World Trips Atlas insurance for my son. They found me the quote within minutes and it was by far the best on the market. Thank you!"

Cupa

✓ Verified Customer

★★★★

"Have not been on our trip yet but obtaining the insurance based on the different services provided was outstanding and made the decision easy on which plan to purchase."

Amelia

✓ Verified Customer

★★★★★

"Easy to review plans and was very reasonably priced despite my husband having a preexisting medical condition. Customer service was extremely patient and helpful."

Jennifer

✓ Verified Customer

Who Qualifies

Eligibility Requirements

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US and Non-U.S. Residents

Available for non-U.S. citizens and residents traveling to the United States, and U.S. citizens traveling internationally.

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Travel Requirement

Coverage applies only when traveling outside your home country. Atlas America is specifically designed for trips that include the United States.

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Age Requirements

Applicants must be at least 14 days old. Coverage is available up to age 99, with reduced maximum limits for travelers age 65 and older. Acute onset of pre-existing condition coverage is available up to age 79.

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Coverage Duration

Plans are available from a minimum of 5 days up to 364 days (1 year) and can be extended or renewed online within this limit.

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Who Cannot Apply

Not available to travelers within their home country, or those located in restricted states or regions at the time of purchase (currently NY, MD, WA, Canada, and Australia - subject to change).

Best for

Who Should Buy Atlas America?

1. Non-U.S. residents visiting the United States for tourism, family stays, or business.

2. Parents and relatives visiting family on a B-1/B-2 visa needing emergency medical coverage.

3. Travelers under age 80 who need acute onset pre-existing condition coverage.

4. J-1 visa holders and exchange visitors who need compliant insurance for their program.

5. OPT, H-1B, and H-4 visa holders already in the U.S. needing bridge coverage.

Why Travelers Choose Atlas America Travel Medical Insurance?

Pays 100% of eligible expenses after the deductible - no coinsurance
Meets Schengen visa requirements; visa letter available in English and French
Flexible plan limits from $50,000 to $2,000,000 (under age 65)
Affordable pricing starting around $50/month
Emergency medical evacuation up to $1,000,000
Vacation sports coverage included at no extra cost
Backed by an A++ (Superior) AM Best rating

Quick Analysis

Pros & Cons of Atlas America Insurance

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Atlas America advantages

8 benefits

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100% coverage after deductible - no coinsurance within UHC PPO network

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No foreign address required - only a US mailing address needed

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Acute onset of pre-existing conditions covered up to age 80

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Vacation sports coverage (skiing, snorkeling, water skiing) included free.

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Pregnancy complications covered in first 26 weeks

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Renewable online up to 364 days

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Ideal for OPT/H1B/H4 visa holders already in the US

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COVID-19 treated like any other covered illness

View Details →

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Atlas America disadvantages

7 limits

Travelers over 80 limited to $10,000 maximum coverage

Premiums higher than fixed-benefit (limited) plans

Not available in NY, MD, WA, Canada, or Australia at time of purchase

ER deductible applies if you are not admitted to the hospital

Chronic/congenital pre-existing conditions are not covered

No Trip Cancellation benefit - only Trip Interruption after departure

Acute onset of pre-existing condition for evacuation capped at $25,000

View Details →

Pricing Guide

How Much Does Atlas America Insurance Cost?

The cost of Atlas America Insurance ranges from $50 to $528 per month, depending on the traveler’s age, selected plan maximum, and deductible.

The table below shows sample daily rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.

Ages 0-79: $50,000, $100,000, $250,000, $500,000, $1,000,000 & $2,000,000 options Age 80+: $10,000 only

Age of traveler	$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	$117	$225	$301	$327	$360	$378
65 - 69 years	$206	$258	Not available for this age group
70 - 79 years	356	444	Not available for this age group
80 - 99 years	$528/month $10,000 max only, $250 deductible

Source: American Visitor Insurance® | Prices verified for 2026 travel season.

Deductible Adjustment Factors

Multiply the base rate above by the factor for your chosen deductible:

×1.25

Highest premium

$100

×1.10

Higher premium

$250

×1.00

Base rate

$500

×0.90

Lower premium

$1,000

×0.80

Lower premium

$2,500

×0.70

Lowest premium

Optional Add-Ons

Atlas America Optional Add-On Benefits

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Device Protection

Offers optional $2,000 device protection for smartphones, tablets, and laptops for screen cracks, liquid damage, and accidental damage. Access to bolt's global repair network and 24/7 online claims.

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Crisis Response Rider

Adds $90,000 in crisis response coverage. Base plan includes $10,000. Covers kidnap/ransom, natural disaster evacuation, and crisis response expenses.

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AD&D Rider

Increases Accidental Death and Dismemberment benefit from $25,000 to $50,000. Only $0.35/person/day.

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Personal Liability Rider

Increases personal liability coverage from $25,000 to $100,000 for bodily injury or property damage to a third party. Only $0.35/person/day.

How it compares

Atlas America vs Competitor Plans

See how Atlas America compares with leading visitor insurance plans like Patriot America Plus (IMG), Safe Travels USA (Trawick International), and Diplomat America (Global Underwriters).

Feature	Atlas America	Patriot America Plus	Safe Travels USA	Diplomat America
Max coverage	$2,000,000	$1,000,000	$1,000,000	$1,000,000
PPO network (USA)	UnitedHealthcare	UnitedHealthcare	FirstHealth PPO	Not Available
Pre-existing coverage	Acute onset covered up to age 79	Acute onset covered up to age 70	Unexpected recurrence of a pre-existing condition	Acute onset covered up to age 79
Out-of-network coinsurance	100%	100%	100%	100%
Emergency evacuation	Up to $1,000,000	Up to $1,000,000	Up to $1,000,000	Up to $250,000
Renewable period	364 days	24 months	364 days	Not Available
Adventure sports rider	Available	Available	Available	Available
Deductible options	$100-$5,000	$0-$2,500	$0-$5,000	$0-$5,000
AM Best rating	A++ (Superior)	A-	A (Excellent)	A (Excellent)
Explore Plan	View Plan »	View Plan »	View Plan »	View Plan »
Get Started	shopping_cart Buy Now	shopping_cart Buy Now	shopping_cart Buy Now	shopping_cart Buy Now

Atlas America Insurance Reviews vs Competitor Plans - Summary

Coverage & Pricing: Atlas America stands out with up to $2,000,000 in medical coverage, while Patriot America Plus, Safe Travels USA, and Diplomat America offer up to $1,000,000.
Network Access: Atlas America and Patriot America Plus provide access to the UnitedHealthcare PPO network, offering broad provider options in the U.S. Safe Travels USA uses the First Health PPO network, while Diplomat America does not include PPO access.
Pre-existing Conditions: Atlas America covers acute onset of pre-existing conditions up to age 79, providing broader eligibility than many competing visitor insurance plans.
Coinsurance: All four plans offer 100% out-of-network coinsurance, helping reduce unexpected medical expenses for travelers.
Emergency Evacuation & Renewability: Atlas America includes up to $1,000,000 in emergency evacuation coverage, matching the strongest benefits among competing travel medical insurance plans.
Renewability & Duration: Coverage can be renewed for up to 364 days, making Atlas America suitable for long-term visitors, although Patriot America Plus offers a longer renewal period of up to 24 months.
Adventure Sports Coverage: Atlas America includes an optional adventure sports rider, making it a good choice for travelers planning recreational or outdoor activities.
Financial Strength: Backed by an A++ (Superior) AM Best rating, Atlas America has the highest financial strength rating among the plans compared.
Overall Positioning: Atlas America is a leading visitor insurance plan for travelers seeking higher coverage limits, strong financial backing, PPO network access, pre-existing condition protection, and flexible deductible options, making it one of the most comprehensive travel medical insurance choices available.

Real-World Example

How Atlas America Works - A Real Claim Example

Using a $50,000 policy with $100 deductible and in-network (PPO) care:

Expense	Amount Billed	Insurance Pays	You Owe
Deductible	$500	$0	$500
Hospital stay (3 days × $2,000)	$6,000	$6,000	$0
Surgery	$18,000	$18,000	$0
Prescription Drugs	$600	$600	$0
X-Ray	$1,400	$1,400	$0
Total	$26,500	$26,000	$500

Result: On a $26,500 medical bill, you pay only $500 (your one-time deductible). The insurance covers $26,000 - that's a 99% coverage rate when using an in-network PPO provider.

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.

Atlas America Travel Medical Insurance: Access Quality Healthcare Abroad with Air Doctor

Atlas America policyholders now have the access to quality medical care through Air Doctor. Whether you're traveling for business, leisure, or family visits, Air Doctor ensure you have a quality medical care within covered areas

check_circleTwo Free Doctor Visits per Policy: Policyholders are eligible for two doctor visits at no cost, with no upfront payment or claim filing required. Policies lasting more than six months include a third visit.
check_circleTelehealth Services for U.S. Coverage: For Atlas America plans that include the U.S. coverage, Air Doctor are limited to telehealth (video) services. In-person visits can be accessed through the UnitedHealthcare PPO network.
check_circleThrough the Air Doctor app, policyholders can effortlessly connect with certified doctors, specialists, and healthcare providers worldwide.

Real Claim Example

How Atlas America Insurance Works in Practice?

To better understand how Atlas America insurance performs, here’s an example based on common traveler experiences:

Parents Visiting from India

Ramesh (62) and Priya (58) fly to the US to visit their daughter for 6 months. Ramesh has a history of hypertension but has been stable for years. During the visit, he experiences sudden chest pain and is taken to the ER - an acute onset event.

Result: Atlas America covers the ER visit, cardiac evaluation, and 3-day hospital stay under the acute onset of pre-existing conditions benefit - saving the family over $40,000 in medical bills.

OPT Student Awaiting Employer Insurance

Sara completed her master's degree and is working on OPT. Her employer's health insurance won't begin for 3 months. She needs coverage but doesn't have a foreign address anymore.

Result: Atlas America requires only a US mailing address. Sara purchases a 90-day plan for $2.24/day, maintaining continuous coverage until her employer benefits begin.

Business Traveler with a Broken Wrist

A tech executive from Germany visits Silicon Valley for a conference. He slips on wet stairs and fractures his wrist, requiring orthopedic care and an MRI.

Result: Atlas America covers 100% of orthopedic consultation, MRI ($2,800), and cast fitting after his $250 deductible — total out-of-pocket under $300 on a $9,500 bill.

Provider Access

Atlas America Insurance PPO Network - How It Works

Access to quality healthcare is a priority - here's how the Atlas America network works in and outside the USA.

Inside the USA - In-Network (PPO)

Atlas America uses the UnitedHealthcare PPO network - one of the largest provider networks in the United States, with access to over 1.5 million physicians and 7,000 hospitals nationwide. Staying in-network means the plan pays 100% of eligible expenses after your deductible.

Find In-Network Providers » International Providers »

When you visit an in-network provider, you benefit from:

Direct billing - the hospital bills WorldTrips directly; no upfront payment in most cases.
Negotiated rates - network providers charge pre-negotiated lower fees.
100% coverage - after deductible, plan pays 100% of eligible expenses up to the maximum.
No referral needed - visit any in-network provider directly.

Simple Process

How Do I File a Claim With Atlas America Insurance?

To file a claim with Atlas America Insurance, follow these steps:

download

Step 01

Download Form

Get the WorldTrips claim form from the member portal.

call

Step 02

Call Support

Speak to our licensed support staff for guidance.
800-605-2282

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Step 03

Submit Documents

Mail to WorldTrips PO Box 240358 Apple Valley, MN 55124

Step 04

Email Help

service@worldtrips.com

Common Questions

Atlas America Insurance - FAQs

Yes. Atlas America is widely regarded as one of the best visitor insurance plans for non-US citizens visiting the USA. It offers comprehensive coverage, 100% payment after deductible (no coinsurance), access to the UnitedHealthcare PPO network, and coverage for the acute onset of pre-existing conditions up to age 80 - making it particularly valuable for older parents visiting the US.

Atlas America does not cover pre-existing conditions in general, but it does cover the acute onset of pre-existing conditions - a sudden, unexpected flare-up requiring urgent care - for travelers under age 80. This is not the same as routine management of chronic conditions.

Atlas America is widely considered one of the best visitor insurance options for parents and seniors visiting the USA, particularly because of its acute onset pre-existing condition coverage up to age 80. For travelers aged 65 - 79, it offers solid coverage with flexible maximums. However, for travelers 80 and older, maximum coverage is limited to $10,000, so families with elderly parents over 80 may want to explore other options.

Yes. After purchase, WorldTrips provides an official visa letter confirming your coverage details, which can be presented to US embassies or consulates. Atlas America meets requirements for B1/B2 tourist visas, J-1 exchange visitor visas, H1B/H4 work visas, F-1 student visas, and more.

Key exclusions include: pre-existing conditions (except acute onset), routine medical check-ups, pregnancy and childbirth (except complications in first 26 weeks), mental health disorders, certain extreme sports, dental treatment (except emergency), and treatment in NY, MD, or WA if purchased from those states.

Yes. Unlike many visitor insurance plans that require purchase before departure or within a short arrival window, Atlas America can be purchased at any time - even if you're already in the USA. Coverage begins the same day if you're already in the US, making it ideal for OPT students, H1B holders, and long-term visitors.

Atlas America insurance is underwritten by Lloyd's of London and administered by WorldTrips, a US-based insurance company and a subsidiary of Tokio Marine HCC - a global insurance group headquartered in Japan with an A++ (Superior) AM Best rating.

Atlas America is the standard comprehensive plan with policy maximums up to $2,000,000. Atlas America Premium adds elite features: higher coverage limits, personal liability included in the base plan, higher dental coverage, and more extensive benefits overall - at a higher premium. Premium is best for travelers who want the most complete protection available.

For a 40-year-old with a $250 deductible and $100,000 coverage, Atlas America costs approximately $3.11/day, which is roughly $93/month. Costs vary by age, deductible, and maximum selected. Use the quote tool above for your exact premium.

Yes. Atlas America can be purchased for 5 days to 12 months and renewed online up to a maximum of 364 days total. To extend, visit the WorldTrips online renewal portal or call (877) 340-7910. Extensions must be requested before the current coverage expires.

Before the effective date: full refund. After the effective date: refund for unused whole months (monthly payment) or unused days (paid-in-full) - but only if no claims have been filed. A cancellation fee may apply.

Yes. Atlas America includes coverage for vacation sports at no extra cost, including skiing, snowboarding, snorkeling, water skiing, and more. Certain extreme or hazardous sports are excluded - check the policy document for the full exclusion list.

Atlas America offers flexible deductible options: $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period. Choosing a higher deductible lowers your daily premium. The deductible applies per policy period, not per illness or accident.

Yes. Atlas America policyholders have access to Air Doctor, a telehealth platform offering 2 free doctor visits per policy (3 for policies over 6 months). For US coverage, Air Doctor services are limited to telehealth (video) consultations. In-person visits are handled through the UHC PPO network. Added Content

Yes. Atlas America is a fully legitimate travel medical insurance plan underwritten by Lloyd's of London - one of the world's oldest and most reputable insurance markets. The plan is administered by WorldTrips, a subsidiary of Tokio Marine HCC with an AM Best rating of A++ (Superior). American Visitor Insurance is a licensed insurance broker authorized to sell this plan in all 50 US states.

Atlas America Insurance Reviews

What Is Atlas America Travel Insurance?

WorldTrips Atlas America Travel Medical Insurance Reviews

Eligibility Requirements

US and Non-U.S. Residents

Travel Requirement

Age Requirements

Coverage Duration

Who Cannot Apply

Who Should Buy Atlas America?

Why Travelers Choose Atlas America Travel Medical Insurance?

Pros & Cons of Atlas America Insurance

Atlas America advantages

Atlas America disadvantages

How Much Does Atlas America Insurance Cost?

Deductible Adjustment Factors

Atlas America Optional Add-On Benefits

Atlas America vs Competitor Plans

Atlas America Insurance Reviews vs Competitor Plans - Summary

How Atlas America Works - A Real Claim Example

Why Buy Travel Insurance for a US Visit?

Atlas America Travel Medical Insurance: Access Quality Healthcare Abroad with Air Doctor

How Atlas America Insurance Works in Practice?

Parents Visiting from India

OPT Student Awaiting Employer Insurance

Business Traveler with a Broken Wrist

Atlas America Insurance PPO Network - How It Works

How Do I File a Claim With Atlas America Insurance?

Atlas America Insurance - FAQs

WorldTrips Travel Insurance Links

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