Atlas Essential Insurance Reviews

Atlas Essential Insurance Cost

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Atlas essential travel insurance

Ratings
AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-
Underwriter
HCC Lloyd’s Syndicate 4141

Ideal for Popular US visitor insuranceLow-cost comprehensive visitors insurance

Atlas essential insurance review

Atlas Essential is for budget-conscious travelers, an Atlas Essential travel medical insurance policy provides coverage for the basic necessities as you travel outside of your home country. Atlas Essential insurance has two plans:

  • Atlas Essential America insurance is ideal for visiting the US.
  • Atlas Essential International Insurance is ideal for traveling outside the US.

Key benefits of Atlas Essential plan Insurance

Hospital room and expenses

Emergency medical evacuation

Physical therapy

Emergency room

Urgent care

United health care ppo

Atlas Essential Insurance - Key Highlights

  • 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 $500k lifetime maximum(Not subject to deductible, co-insurance or overall maximum limit).
  • 79 years old turing 80 during the coverage period, Atlas Essential plan does not affect coverage as long plan is purchased at age 79.

WorldTrips Atlas Essential 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

Advantages and Disadvantages of Atlas Essential Visitor Insurance

  • Atlas Essential Insurance Advantages
    • Fewer benefits and lower coverage limits in exchange for a lower premium
    • Emergency Medical Evacuation is covered for $500k lifetime maximum
    • 79 years old turing 80 during the coverage period, Atlas Essential plan does not affect coverage as long plan is purchased at age 79.
  • Atlas Essential Insurance Disadvantages

    The plan doesn't cover pre-existing condition

An Overview of Atlas Essential, Atlas Essential visitor insurance reviews

Eligibility

  • Atlas Essential America reviews: Available for Non-US Citizens visiting USA
  • Atlas Essential International reviews: Available for both Non US citizens and US citizens traveling outside their home country,excluding USA

Renewability

  • Coverage is available from 5 days to 12 months.
  • This plan can be renewed online.

Coinsurance

For coverage inside USA Atlas Essential insurance pays:

  • Within the PPO: We will pay 75% of eligible expenses after the deductible to the overall maximum limit.
  • Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

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 insurance cost per month for Seniors

Click here to read more »

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.
  • Total medical expenses is $29,500

The Atlas Essential Insurance plan covers set amount up to a maximum of $50k. 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.

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

Plan details of Atlas Essential insurance

Atlas Essential travel medical insurance - FAQ's

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

02. Does Atlas Essential Insurance cover pre-existing conditions?

No. Atlas Essential insurance does not cover pre-existing conditions.

03. How much does Atlas Essential America cost per month in USA?

The cost of Atlas Essential America visitor medical insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit, the co-insurance and the deductible.

The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k, $500k, $1M depending on the age of traveler. To get a quote Click here

04. Who is eligible for Atlas Essential America travel insurance?

The Atlas Essential America Insurance is available for Non-US Citizens visiting USA.

05. Who is eligible for Atlas Essential International travel insurance?

The Atlas Essential International Insurance is ideal for both Non US citizens and US citizens traveling outside their home country,excluding USA.

Atlas Essential - PPO network

Atlas Essential - Provider network and how to find hospital or doctor?
United Healthcare Provider Network

WorldTrips maintains a wide network of health care providers.

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 Essential Claims Information


Download Atlas Essential claims form



Toll Free Number
800-605-2282

Claims Department
WorldTrips PO Box 240358 Apple Valley, MN 55124
Email: service@worldtrips.com

Atlas 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 insurance

Acute onset of pre-existing conditions

  • US travel Medical Insurance for Non-US Citizens traveling outside their home country.
  • It is ideal for people on OPT and H1 Visa holders who are already in the US for sometime.

Atlas Premium insurance

High coverage limits.Pre-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.

WorldTrips resourceful travel insurance links