Atlas Premium Insurance Reviews

Atlas Premium Insurance Cost

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Atlas Premium travel insurance that covers Covid Quarantine

  • Covid Quarantine Benefit: Atlas Premium insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
  • Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.
  • Proof of quarantine mandate by a physician or government authority required.
quarantine coverage

Worldtrips Insurance Review, Atlas Insurance Reviews

Atlas Premium Insurance
Insurance provider
Atlas Premium insurance rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Policy maximum?
Age 80+:$20,000.
Age 65 to 79:$50,000, $100,000.
All others:$50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period.
Compare Atlas travel insurance plans
Atlas Travel vs Atlas Premium
Atlas travel insurance underwriter

Atlas Premium Links

Atlas Premium travel insurance

  • Atlas Premium travel insurance provides exceptional, quality coverage for travelers interested in the best travel medical insurance with high benefit limits.
  • The Atlas Premium plan is ideal for shorter trips or individuals looking for extensive coverage travelling overseas.
  • It is also best suited for family who need first-class coverage for children and the parents.
  • Atlas Premium 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 Premium 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 , $1000,000 or $2,000,000 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 $20,000.
  • 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 $15,000 not subject to deductible.
  • Travel Delay coverage is available for up to $200 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 $2000 - not subject to deductible.
  • Political Evacuation available up to $150,000 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 - $10,000 per member, from age 18 to 69 - $100,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
  • Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Atlas Premium 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 Premium 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 Premium Insurance cover covid illness?

WorldTrips Covid19 travel insurance by Atlas Premium 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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What are some travel health insurance terms important to understand Atlas Insurance reviews?

  • Plan Maximum coverage of Atlas Premium travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas Premium insurance offers maximum coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum. Age 80 or older - $20,000; Age 65 to 79 - $50,000, $100,000.
  • What is a deductible in Atlas Premium 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 Premium insurance offer a set of deductible options for the travelers to choose from. Atlas Premium insurance has a range of deductible option from $0 up to $5,000.
  • What is a provider network of Atlas Premium 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 Premium visitor insurance?
    This is a percentage of the bill that the travel has to pay. Atlas Premium plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Renewability of Atlas Premium Travel health insurance
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas Premium Insurance can be renewed for 364 days.
  • Eligibility to buy Atlas Premium Insurance Online
    Atlas Premium Insurance is a popular US visitor insurance plan that offers comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas Premium 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 Premium Pre-existing conditions Visitors Insurance for international travelers
    Atlas Premium insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years for acute onset of pre-existing conditions.
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A working example of using Atlas Premium travel insurance

Consider an example where your:
  • Insurance coverage is $50,000
  • Deductible is $500 per certificate period
  • Coinsurance : The plan pays 100%
  • Your claims for medical expenses is $26,500
Atlas premium Insurance
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $26,500 minus $500 equals $26,000. Insured bears $500
  2. Apply 100% coinsurance
  3. 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 $2,000/day for 3 days $6000 $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.


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Provider network and how to find hospital or doctor?

WorldTrips maintains a wide network of health care providers.
Inside US:
  • If you have purchased the policy before July 2019 then click here
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.

WorldTrips resourceful travel insurance links