Atlas Essential Insurance Reviews

Atlas Essential Insurance Cost

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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.

Atlas Essential insurance review, Atlas travel insurance

Atlas essential Insurance
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Atlas Travel vs Atlas Premium

Deductible options?
$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.
Atlas Essential insurance rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Atlas travel insurance underwriter
Policy maximum?
Age 80+:$10,000.
Age 65 to 79:$50,000, $100,000.
All others:$50,000, $100,000, $250,000, $500,000, or $1,000,000

Atlas Essential Links

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  • Detailed description

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.
View complete details of benefits

Atlas Essential Insurance - Key Highlights

  • The deductible options for this plan are $0, $100, $250, $500, $1000, $2500 and $5000 per Certificate period.
  • The policy maximum options available with this plan are $50,000, $100,000,250,000, $500,000, or $1000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $10,000.
  • 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 - $10,000; Age 65 to 79 - $50,000, $100,000.
  • 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 $5,000.
  • 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

Is Worldtrips travel insurance a reliable insurance company? Is Worldtrips insurance a good insurance company ?

WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas.

This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

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.

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.

How much does WorldTrips travel insurance cost?

The cost of the Worldtrips travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

How do I purchase Atlas Travel Medical Insurance?

You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas Essential 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.

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.

Is there coverage for Covid-19 illness in Worldtrips travel insurance?

Worldtrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

Is Worldtrips insurance a legit company?

Worldtrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance .

Can I buy travel insurance from Worldtrips?

Worldtrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. Worldtrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?

Worldtrips covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority. Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.

Why should I buy travel insurance from Worldtrips insurance?

World trips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .Worldtrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. Worldtrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.

Why should I buy travel insurance from Worldtrips insurance?

For anyone coming to the United States, you will need to have a visa issued in your passport to be allowed in to country unless you are a citizen of a country which is part of the US visa waiver program. The list of countries under the Visa waiver program are provided here. The category of visa that you need to apply for is dependent on the reason of your visit to the US. Atlas Premium insurance is very popular with visitors applying for any of these visas to the United States. Some of the Common US visas are :

  1. Visitor visa or Tourist Visa
  2. International Student visa (F1 visa)
  3. J visa (exchange scholar visa)
  4. H1B work visa
  5. Fiancee visa

Does Atlas Essential Insurance cover covid illness?

WorldTrips Covid19 travel insurance by Atlas Essential travel insurance for coronavirus coverage 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

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Plan Benefits

Plan benefits of Atlas Essential insurance

In-Patient Medical Benefits
Hospital room and board? Average semi-private room rate, including nursing services.
Intensive care unit? Up to the overall maximum limit.
Emergency Quarantine Indemnity - COVID 19 $50 a day for up to 10 days. Proof of quarantine mandate by a physician or government authority required. (must have a minimum of 30 days of coverage) (only available outside your home country).
Outpatient physical therapy and chiropractic care Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).
Urgent care center co-payment Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S.- No co-payment.
Emergency local ambulance? Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Emergency room co-payment) Claims incurred in the U.S.- Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Claims incurred outside the U.S.- No co-payment.
Emergency Medical Evacuation? Up to $500,000 lifetime maximum, not subject to deductible or coinsurance
Repatriation of remains Up to $25,000 lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limit).
Local Burial or Cremation? Up to $5,000 lifetime maximum, not subject to deductible or coinsurance.

A working example of using Atlas Essential travel insurance

Consider an example where your:
  • Insurance coverage is $50,000
  • 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
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

special-coverageAtlas 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.

Provider network and how to find hospital or doctor?

WorldTrips maintains a wide network of health care providers.
Inside US: 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

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