Atlas International Insurance Reviews

Ideal for Schengen visaAcute onset of pre-existing conditionsCovid19

Atlas International Insurance Cost

Age & Citizenship
Destinations
Start Date
End date
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Key benefits of Atlas International plan Insurance

Comprehensive plan

Emergency medical evacuation

Acute onset of a pre-existing condition

PPO network

Satisfies Schengen visa requirments

Covers complications of pregnancy

Atlas International Travel Insurance Reviews

Insurance provider
WorldTrips
Atlas International travel rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Atlas International travel underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation, a White Mountains Insurance Group Company.
Plan life
364 days.
Deductible options
$0 $100 $250 $500 $1k $2,500 $5k
Coinsurance of Atlas International Insurance
The plan pays 100%
100%
Policy maximum
  • Age 80+: $10k
  • Age 65 to 79: $50k $100k
  • All others: $50k $100k $250k $500k $1M $2M

Atlas International links

  • Brochure
  • Advantages
  • Disadvantages
  • ID Card
  • Application
  • Detailed Description
  • Comprehensive

Atlas International Insurance - Key Highlights

  • This plan is a comprehensive international plan that is available for Non US citizens and US citizens traveling outside their home country.
  • No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
  • 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.
  • Trip Interruption coverage available for up to $10k not subject to deductible.
  • Travel Delay coverage is available for up to $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
  • Lost checked luggage up to $1k - not subject to deductible.
  • Political Evacuation available up to $100k lifetime maximum not subject to deductible.
  • Bedside visit up to $1500 not subject to deductible.
  • Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10k per member, from age 18 to 69 - $50k per member, age 70 to 74 - $25k and for age 75+ $12,500.
  • Emergency Medical Evacuation is covered for $1M lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)
  • 79 years old turing 80 during the coverage period, Atlas International plan does not affect coverage as long plan is purchased at age 79.

A working example of using Atlas International travel insurance

Let us take an example: The medical bill is $25k; Deductible is $100 and choosen Policy Maximum is $50,000
  • Insurance coverage is $50k
  • Deductible is $100 per certificate period
  • Coinsurance for claims : After the deductible, underwriters will pay 100% up to the policy limit
  • Total medical expenses is $25,100

The Atlas International 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.


Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Hospital Room Rent $9k $9k $0
Surgery $15k $15k $0
X Ray $1k $1k $0
Total: $25,100 $25k $100
*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 International insurance - Common Questions

01. 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.

02. 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.

03. 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.

04. 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.

05. 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.

06. 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.

07. 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.

08. 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.

09. Why should I buy travel insurance from WorldTrips insurance?

WorldTrips 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.

10. Does Atlas International Insurance cover covid illness?

WorldTrips Covid19 travel insurance by Atlas International 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.

11. 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.

12. 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.

13. What Are Atlas International and Atlas America?

Atlas Travel policyholders who are U.S. citizens or non-U.S. citizens traveling outside of the U.S. will be covered under Atlas International, which provides coverage outside of the United States.

Atlas Travel policyholders who are non-U.S. citizens (and home country is not the United States) traveling to the United States will be covered under Atlas America. (For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands.)

The correct plan will be automatically selected for you when you purchase your Atlas Travel plan, depending on whether your trip includes coverage for the U.S. (You will only be covered for the U.S. if you are a non-U.S. citizen, your home country is not the United States, and all or part of your travel includes the U.S.)

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Important insurance terms to understand Atlas International reviews?

Atlas international travel insurance reviews to know these important aspects of international visitor insurance for USA:
  • Plan Maximum coverage of Atlas International travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas travel medical 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 International Atlas travel medical 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 International insurance offer a set of deductible options for the travelers to choose from. Atlas International insurance has a range of deductible option from $0 up to $5k.
  • What is a provider network of Atlas International 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 International visitor insurance?
    This is a percentage of the bill that the travel has to pay. Atlas International plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Renewability of Atlas International Travel health insurance
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas International Insurance can be renewed for 364 days.
  • Eligibility to buy Atlas International Insurance Online
    Atlas International Insurance is a popular US visitor insurance plan that offers comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas International 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.
  • Atlas International Pre-existing conditions Visitors Insurance for international travelers
    Atlas International insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years for acute onset of pre-existing conditions..

Atlas International Insurance satisfies Schengen visa insurance requirements

Atlas International Insurance satisfies Schengen visa requirements. To download the visa letter for Schengen visa application, log into the client zone to download your letter. You can download it in English or Spanish. List of nationalities who need Schengen Visa.
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Atlas International Insurance Information

  • Atlas International Insurance Advantages

    • Atlas International Insurance Reviews Covid19 travel insurance by WorldTrips for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
    • Plan administrator provides VISA LETTER online in English and Spanish.
    • Travelers traveling outside their home country and outside of US can buy this plan.
    • Life time maximum $50k and $100k for medical expenses (based on the choosen plan maximum) and $25k for emergency medical evacuation for acute onset of a pre-existing condition. The insured age should be below 70 years.
    • Insured between the age 70-79 years can get coverage of $50k or $100k.
    • Refund of full premium if cancellation of policy is requested before the policy start date. If cancellation request is received after the policy start date, then only unused portion of the plan cost will be refunded after deducting the cancellation charges.
    • Travel and medical assistance include pre-trip destination information, medical monitoring, provider referrals, travel document replacement, lost luggage assistance, prescription drug replacement, dispatch of physician.
    • Optional coverage for adventurous sports.
    • Coverage for pregnancy complications during the first 26 weeks of gestation.
    • This plan also covers for terrorism, political evacuation, natural disaster benefit and return of minor children.
    • Acute onset of pain for dental emergency is $100 limit per certificate period.
    • Renewable plan up to 36 months.
    • PPO network: Easy to locate doctors and hospitals.
    • Co-insurance outside of US and Canada - For the certificate period, plan pays 100% of eligible medical expenses.
    • Co-insurance inside of US and Canada - For the certificate period, plan pays 80% for the first $5k of eligible medical expenses and then 100% up to policy maximum. Coinsurance is waived if expenses are incurred within the PPO network.
    • Optional Rider: Extra $50k coverage for AD&D at an additional price
  • Atlas International Insurance Disadvantages

    • The plan is not available to individuals who are physically located in the state of New York at time of purchase.
    • Pre-certification is required to receive full benefits. Failure to pre-certify with the assistance company will reduce the benefits to 50%.
    • Only $10k coverage for 80 plus age old traveler.
    • The previous benefit of free coverage for dependent children under 9 years when parents are coverage has been discontinued.
    • A penalty of 50% of eligible medical expenses for failure to pre-certify the medical expenses.
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Atlas International travel insurance, Atlas insurance reviews

  • Covers international travel outside your home country mainly outside of the US.
  • Plan maximum options available up to $2 million.
View complete details of benefits

Atlas 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).

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
Atlas International

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

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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.

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