Atlas America Insurance Cost calculator

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Atlas America Reviews

  • request_quote

    Policy maximum
    $10,000, $50,000, $1,00,000, $2,50,000, $5,00,000, $10,00,000, $20,00,000

  • attach_money

    Deductible
    $0, $100, $250, $500, $1,000 $2,500 or $5,000

  • medical_services

    Urgent Care benefit
    Up to $15 copay

  • local_hospital

    PPO Network
    United Healthcare Provider Network

  • ecg_heart

    Acute onset of a pre-existing condition
    Covers up to the age of 80 years.

  • ambulance

    Emergency medical evacuation
    up to $1,000,000.

Atlas America travel insurance review

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Rating
AA- for Standard & Poor’s and Fitch Ratings: A++ (Superior) by A.M. Best Company
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Underwriter
Underwritten by Lloyds, London.

Ideal for Family visiting the USAOPT studentsH1b/H4 visa holdersStudent visa (F1 visa)

What is Atlas America visitors insurance?

Atlas America is a comprehensive travel medical insurance plan designed for international travelers visiting the USA. It provides coverage for unexpected medical expenses, including hospitalization, doctor visits, and urgent care. The plan also covers acute onset of pre-existing conditions for travelers up to 80 years old, making this a suitable option for older travelers and parents visiting the U.S.

As a part of United Healthcare network, Atlas America offers access to wide range of healthcare providers across the U.S. allowing for cashless treatment and direct billing. This plan ensures travelers can access quality healthcare, get necessary treatment, and receive reimbursement for medical expenses during your stay in the U.S.

After buying the plan, Traveler can get all the plan document and plan id card by using Atlas America login. At American Visitor Insurance, US Travelers can contact the Atlas America customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!

Why choose Atlas America medical insurance?

  • Atlas America visitor insurance is a best choice for visitors to the USA.
  • Medical coverage for doctor visits, hospitalization, and prescriptions
  • Emergency medical evacuation and repatriation
  • Coverage for acute onset of pre-existing conditions up to 80 years
  • Offers coverage for trips up to 364 days, with flexible limits ($50,000–$2,000,000) and deductibles ($0–$5,000) to fit your budget.
  • Optional add-ons like device protection for smartphones, tablets, and laptops.
  • Access to United Healthcare's PPO network, for in-network ensuring lower costs and direct billing.
  • Get instant quotes and buy online with no medical exam required.
  • Access multilingual travel assistance 365 days a year, with 24/7 emergency services.

WorldTrips Atlas America travel insurance reviews

Reviews, Ratings and Experiences

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
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
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

What are the Pros and Cons of Atlas America insurance?

Atlas America Insurance Pros
  • It is a comprehensive benefit plan.
  • Offers sports coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports - at no additional cost.
  • It is a unique plan in offering coverage for complications of pregnancy in the first 26 weeks of gestation.
  • It is ideal for people on OPT and H1 Visa holders who are already in the US for sometime.The issue with the OPT person or someone who has been in the US for some time is that many plans require to be bought within a certain time frame of your arrival into the US. Your last entry into the US is the one that counts in terms of eligibility for a new plan.
Atlas America Insurance Cons
  • Only $10,000 maximum coverage for 80+ travelers

Who is eligible for Atlas America Insurance plan?

  • For non US citizens traveling outside their home country
  • Parents visiting the USA
  • Business professionals and temporary workers
  • Exchange program participants and international students
  • Available for ages 14 days to 79 years (with limited coverage beyond 80).
  • A 79-year-old turning 80 during the coverage period, the Atlas America plan does not affect coverage as long as the plan is purchased at age 79.

How much does Atlas America Insurance cost per day?

Atlas America medical insurance cost ranges from $1.50 to $17 per day. The cost depends on the traveler’s age, the duration of the trip, and the medical maximum coverage options selected.

For Example here we are showing Atlas America cost per day with deductible $250.

Age of traveler Medical Maximum
$50,000 $100,000 $250,000 $500,000 $10,00,000 $20,00,000
14d - 17 years $1.59 $1.99 $2.19 $2.76 $3.16 $3.31
18 - 29 years $1.62 $2.03 $2.24 $2.82 $3.22 $3.38
30 - 39 years $1.93 $2.61 $3.05 $3.27 $3.60 $3.79
40 - 49 years $2.53 $3.11 $3.49 $4.13 $4.74 $4.97
50 - 59 years $4.22 $5.19 $6.43 $7.28 $8.01 $8.42
60 - 64 years $5.72 $7.29 $9.71 $10.57 $11.61 $12.20
65 - 69 years $6.66 $8.32
70 - 79 years $11.47 $14.31
80 + years $17.02

Atlas America travel medical insurance - Add on benefits

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.Atlas America Insurance also provides optional buy-up coverage for the following:

  • Device protection open_in_new
  • Crisis Response open_in_new
  • Additional Accidental Death and Dismemberment Benefit open_in_new
  • Personal Liability Rider open_in_new

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

  • Two 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.
  • Telehealth 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.
  • Through the Air Doctor app, policyholders can effortlessly connect with certified doctors, specialists, and healthcare providers worldwide.

Review of Atlas America visitor insurance

Does Atlas America cover pre-existing conditions?

Atlas America insurance provides coverage for acute onset of pre-existing conditions up to the policy maximum for individuals under the age of 80.

Can the Atlas America insurance renewed?
  • Coverage is available from 5 days to 12 months.
  • This plan can be renewed online.
What is a Coinsurance in Atlas America insurance?

For coverage inside USA Atlas America travel health insurance pays:

  • Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
What are the restrictions in Atlas America?

Plan excludes coverage 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.

Can i cancel for Atlas America?
  • Before effective date: Full refund of premium is available.
  • After effective date: Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the premium will be refunded; and
    You cannot have filed any claims to be eligible for a premium refund.

A working example of using Atlas America travel insurance*

Consider an example where your:

  • full_coverage

    Insurance coverage $50,000

  • attach_money

    Deductible $500 per certificate period

  • draft

    Medical expenses Claims$26,500

Below is a simple calculation showing how much the plan/insurance company pays you:

  • Subtract the deductible from claims amount - $26,500 minus $500 equals $26,000. Insured bears $500
  • Apply 100% coinsurance
  • Plan/insurance company pays: $26,500 minus $500 equals $26,000 and insured bears $500
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $500 $0 $500
Days in hospital $3,000/day for 2 days $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
* 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 health insurance - FAQ's

1. What are the benefits of Atlas travel insurance?

Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.

The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.

2. Who owns Atlas America Insurance?

Atlas America Insurance is offered by WorldTrips, a US-based insurance company and a subsidiary of Tokio Marine HCC, a global insurance group headquartered in Japan. Tokio Marine HCC specializes in travel and international medical insurance, providing comprehensive coverage for travelers.

3. How do I purchase Atlas Travel Medical Insurance?

You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas America Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.

4. What are the requirements for applying for Atlas Travel Insurance?

The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

5. 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.

6. Does Atlas America travel health 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.

7. Does Atlas America offer coverage for maternity?

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

8. 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.

9. Is Atlas America a good travel insurance?

Yes, Atlas America is a good travel insurance plan for visitors to the US. It offers comprehensive coverage for travel insurance needs, including medical emergencies, trip cancellations, and baggage loss.

10. 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.

11. What is the pre-existing condition lookback period for Atlas America insurance?

Yes, there is a 2-year look-back period for pre-existing conditions.

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

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

Atlas 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 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.

14. How does Atlas America insurance offer coverage for medical expenses?

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.

15. Does Atlas America insurance satisfy US visa requirements?

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
16. What is the difference between Atlas America and Atlas America Premium?

Atlas America and Atlas America Premium are both visitor medical insurance plans offered by WorldTrips for travelers. The difference lies in the coverage and benefits.

  • Atlas America: This plan offers comprehensive coverage for medical incidents, emergency treatments, political evacuations, repatriation of remains, trip interruptions, baggage loss, accidental death, and more. It includes coverage for acute onset of pre-existing conditions and has policy maximum options ranging from $50,000 to $2,000,000.
  • Atlas America Premium: This is a high-end plan with similar core benefits like Atlas America but adds elite features like higher maximum coverage limits, no coinsurance requirement after the deductible, personal liability coverage, and higher dental coverage limits. It is tailored for discerning travelers seeking more extensive protection.
17. Is Atlas America insurance legit?

Yes, Atlas America insurance is a legitimate travel medical insurance plan offered by WorldTrips. It is underwritten by Lloyd's of London, a globally recognized and reputable insurance provider. The plan is popular among international travelers, offering comprehensive coverage for medical expenses, Emergency medical evacuation, trip interruptions, and more.

How do I file a claim with Atlas America Insurance?

Atlas America travel insurance claim process

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

  1. Download the Claims Form: Access the Atlas America insurance claims form online.
  2. Atlas America travel insurance customer service: Call the toll-free number 1-800-605-2282 for guidance or assistance.
  3. Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
    • Mailing Address: WorldTrips PO Box 240358 Apple Valley, MN 55124
  4. Email Assistance: For additional help or inquiries, email service@worldtrips.com.
Know more about WorldTrips Claims »

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What is the PPO network in Atlas America WorldTrips Insurance?

A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by WorldTrips to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. Atlas America travel medical insurance PPO Network is United Healthcare network.

Atlas America - Does united healthcare cover US travel and how to find hospital or doctor?
United Healthcare Provider Network

When seeking treatment within the U.S., you may reduce your out-of-pocket costs by visiting a doctor within your preferred provider organization (PPO). A PPO is a network of hundreds of thousands of established, highly qualified medical practitioners and well-recognized hospitals in the U.S.

location_city Find Provider Network

Compare Worldtrips Atlas America Travel Insurance Plans!

What are the exclusions in Atlas America Travel Insurance?

Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.

  • Charges resulting directly or indirectly from any pre-existing condition, except as covered under the Acute Onset of Pre-Existing Condition benefit
  • Routine medical examinations
  • Routine pre-natal care, pregnancy, childbirth, and post-natal care
  • Mental health disorders
  • Medical expenses for injury or illness resulting from participation in specifically-excluded extreme sports see Description of Coverage for full list of excluded sports).

Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.

The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:

  1. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
  2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
  3. You must be under eighty (80) years of age;
  4. You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
  5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
  6. You must be traveling outside your home country

Plan details of Atlas Travel insurance

WorldTrips Insurance related coverage

Atlas Group insurance

Group of 5 or more travelersNewly arrived immigrants

  • Insurance for Groups of 5 or more travelers travelling outside their home country
  • Insurance for missionaries, student groups, families, corporate groups and organizations.

Atlas America Essential

Acute onset of pre-existing conditions

  • Available for both Non US citizens and US citizens traveling outside their home country.
  • Cheapest comprehensive medical insurance for visitors traveling to Outside USA.

Atlas America Premium

High coverage limitsPre-existing conditions

  • Best suited for travelers interested in the best travel medical insurance with high coverage limits.
  • Available for Non US citizens travelling outside their home country.

Atlas MedEvac Insurance

Study abroad studentsMedEvac coverage

  • Medical evacuation and repatriation travel insurance for Study abroad students.
  • Available for people age above 14 days and below 50 years and it can be renewable up to 365 days.