Atlas Premium Insurance Reviews

Atlas Premium Insurance Cost

Age & Citizenship
Start Date
End date

Atlas Premium travel insurance

AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-

Ideal for quality medical coverageWorldwide explorersAcute onset of pre-existing condition

Atlas Premium insurance review

Atlas Premium travel insurance provides exceptional, quality coverage for travelers interested in the best travel medical insurance with high coverage limits.

  • The Atlas Premium plan is ideal for family, tourists, business persons, vacationers and adventure travelers seeking higher coverage limits for shorter trips.
  • This plan provides $50k and $100k coverage for the people 65 to 79 years old.

Atlas premium Insurance - Key Highlights

  • The deductible options for this plan are $0, $100, $250, $500, $1000 , $2500 and $5000 per Certificate period
  • No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
  • Trip Interruption coverage available for up to $15,000 not subject to deductible.
  • Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition

Customer 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 Premium Insurance Insurance

  • Atlas Premium Insurance Advantages
    • This plan covers "acute onset of pre-existing condition" up to the age of 80.
    • There is an additional coverage available for adventure sports as well on this plan.
    • Atlas Premium recently added a $15 copay for urgent care (paid instead of the deductible, unless your deductible is $0, then you do not pay the copay either).
    • It is a unique plan in offering coverage for complications of pregnancy in the first 26 weeks of gestation.
  • Atlas Premium Insurance Disadvantages
    • Only $10,000 maximum coverage for 80+ travelers.

An Overview of Atlas Premium Insurance


  • Available for Non-U.S. citizens and residents who are traveling and working outside of their home country.
  • For ages 14 days to 69 years.


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

Pre-existing condition

  • Offers Acute onset of pre-existing coverage up to the age of 70 years.
  • $25,000 maximum limit for emergency medical evacuation.


  • Before effective date: Full refund of Premium is available.
  • After effective date: Only Premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the Premium will be refunded; and
    You cannot have filed any claims to be eligible for a Premium refund.


For coverage inside USA Atlas Premium insurance pays:

  • Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.


Plan excludes coverage 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.

A working example of using Atlas Premium insurance*

Consider an example where your:
  • Insurance coverage is $50,000
  • Deductible is $500 per certificate period
  • Coinsurance : The plan pays 100%
  • Total medical expenses is $26,500

Below is a simple calculation showing how much the plan/insurance company pays you:

  • Subtract the deductible from claims amount - $26,500 minus $500 equals $26,000. Insured bears $500
  • Apply 100% coinsurance
  • 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 $3,000/day for 3 days $6,000 $0
Surgery $18,000 $18,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $26,500 $26,500 $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.

Plan details of Atlas Premium insurance

Atlas Premium travel medical insurance - FAQ's

1. Am I Eligible for an Atlas Premium 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 Premium Travel insurance offers a $10,000 policy maximum to applicants over age 80.

2. Does the Atlas Premium Travel Insurance Plan Provide Any Trip Cancellation Coverage?

Atlas Premium 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 Premium 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.

3. Does Atlas Premium Insurance cover pre-existing conditions?

Yes Atlas Premium insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 79 years.

4. How much does Atlas Premium America cost per month in USA?

The cost of Atlas Premium 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

5. What is Atlas Premium Visitor insurance?

The Atlas Premium plan is ideal for family, tourists, business persons, vacationers and adventure travelers seeking higher coverage limits for shorter trips. This insurance plan is available for travelers to the US and outside their home country.

Atlas Premium - PPO network

Atlas Premium - 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 Premium Claims Information

Download Atlas Premium claims form

Toll Free Number

Claims Department
WorldTrips PO Box 240358 Apple Valley, MN 55124

WorldTrips 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