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Atlas Essential Insurance Reviews

Ideal for Popular US visitor insuranceLow-cost comprehensive visitors insuranceCovid-19 coverage
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Key benefits of Atlas Essential plan Insurance

Comprehensive plan

Medical Evacuation coverage

Urgent care

PPO network

Visitors to USA or International travelers

Budget-conscious travelers

Atlas Essential travel insurance reviews

Insurance provider
WorldTrips
Atlas Essential insurance rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Atlas travel insurance underwriter
Lloyd's
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Atlas Travel vs Atlas Premium
Deductible options
$0 $100 $250 $500 $1k $2,500 $5k per certificate period.
Coinsurance of Atlas Essential Insurance
Within the PPO: The plan pays 75%
75%
Policy maximum
  • Age 80+: $10k
  • Age 65 to 79: $50k $100k
  • All others: $50k $100k $250k $500k $1M $2M

Atlas Essential Links

Atlas Essential travel insurance

  • Atlas Essential is for budget-conscious travelers.
  • Atlas Essential travel medical insurance policy provides coverage for the basic necessities as you travel outside of your home country.
  • Atlas Essential Insurance Covid19 travel insurance by WorldTrips for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
  • Fewer benefits and lower coverage limits in exchange for a lower premium
  • Coverage for unexpected medical expenses, including COVID-19-related expenses
  • Emergency Medical Evacuation benefit
  • 79 years old turing 80 during the coverage period, Atlas Essential plan does not affect coverage as long plan is purchased at age 79.
View complete details of benefits
Key Highlights of Visitors Care

Atlas Essential Insurance - Key Highlights

  • Co-insurance with this plan for expenses incurred within the PPO, 75% of the expenses after the deductible is paid by the company and rest needs to be paid by you(insured).
  • Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
  • Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible. For claims outside the US, there is no co-payment.
  • Emergency Medical Evacuation is covered for $500,000 lifetime maximum(Not subject to deductible, co-insurance or overall maximum limit).

Important insurance terms to understand Atlas Essential reviews?

  • Plan Maximum coverage of Atlas Essential travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas Essential insurance offers maximum coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum. Age 80 or older - $10k; Age 65 to 79 - $50k, $100k.
  • What is a deductible in Atlas Essential 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 Essential insurance offer a set of deductible options for the travelers to choose from. Atlas Essential insurance has a range of deductible option from $0 up to $5k.
  • What is a provider network of Atlas Essential 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 Essential visitor insurance?
    This is a percentage of the bill that the travel has to pay. Atlas Essential plan pays 75% of eligible expenses after the deductible to the overall maximum limit with in PPO network and Usual, reasonable, andcustomary. You may be responsible for any charges exceeding the payable amount in Out side the PPO network.
  • Renewability of Atlas Essential Travel health insurance
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas Essential Insurance can be renewed for 364 days.
  • Eligibility to buy Atlas Essential Insurance Online
    Atlas Essential Insurance is a popular US visitor insurance plan that offers comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas Essential 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.
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Atlas Essential insurance - Common Questions

01. 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.

02. What is the coverage area of WorldTrips Atlas travel insurance?

Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.

03. 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.

04. 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.

Atlas Essential travel insurance for Covid19

Atlas Essential insurance plan 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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A working example of using Atlas Essential travel insurance

Consider an example where your:
  • Insurance coverage is $50k
  • Deductible is $500 per certificate period
  • Coinsurance for claims incurred within the PPO: The plan pays 75% of eligible expenses after the deductible to the overall maximum limit.
  • Your claims for medical expenses is $29,500
Atlas essential Insurance
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Apply 75% coinsurance for medical Maximum: $29,500 i.e. $29,500*0.75 equals $22,125 company pays $22,125
  2. Apply 25% coinsurance for medical Maximum: $29,500 i.e. $29,500*0.25 equals $7,375 insured bears $7,375

Atlas Essential Insurance Information

  • Atlas Essential Insurance Advantages

    Atlas Essential Insurance Covid19 travel insurance by WorldTrips for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

  • Atlas Essential Insurance Disadvantages

    The plan doesn't cover pre-existing condition

WorldTrips travel insurance related links

Atlas Essential Plan

WorldTrips - Provider network and how to find hospital or doctor?

WorldTrips maintains a wide network of health care providers.
United Healthcare Provider Network
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here
Find Provider Network

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.

Atlas Essential Travel Insurance Exclusions

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

Resourceful links of Atlas travel insurance

Atlas travel insurance FAQ

Frequently asked questions and answer about travel insurance plans.

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Atlas Travel insurance blog

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Atlas travel insurance forum

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Travel Insurance Claims

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