Atlas America Insurance for Visitors to the USA
Atlas America Insurance is a comprehensive visitor medical insurance plan by WorldTrips, built for international visitors, parents, and travelers coming to the United States. This travel insurance plan covers acute onset of pre-existing conditions, offers co-insurance waiver within the PPO network, and includes 24/7 multilingual support - making it one of the most trusted visitors insurance options for the USA.
What is Atlas America Travel Insurance for USA?
Atlas America is a travel medical insurance plan designed for international visitors traveling to the USA. It helps cover eligible medical expenses that may arise during a trip, such as doctor visits, hospitalization, emergency treatment, and other covered medical services.
Atlas America is a comprehensive visitor insurance plan from WorldTrips with access to the UnitedHealthcare PPO network. When you use a participating PPO provider, the plan offers 100% coinsurance after the deductible, subject to the plan's terms and conditions. Coverage is available for trips ranging from 5 days to 364 days, making it suitable for parents, family members, and other international visitors to the USA.
The plan also provides acute onset of pre-existing conditions coverage for eligible travelers up to age 79, subject to the plan's terms, conditions, and limits.
What is great about this plan: This is a good, comprehensive plan. This plan can be purchased without putting down a foreign address. It only requires a US mailing address, so it is good for graduates who may have been in the US for some time and need some coverage while they travel or before their employer insurance kicks in. After the deductible, there is no coinsurance.
Downsides to this plan: It can be pricey. The coverage for persons over 80 is very low.
After buying the plan, Traveler can get all the plan document and plan id card by using Atlas America login. At American Visitor Insurance, US Travelers can contact the Atlas America customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Who Is Atlas America Insurance Best Suited For?
Atlas America covers acute onset of pre-existing conditions up to age 79, with reduced overall maximums for travelers 65 and older - making it a solid choice for parents visiting USA on a B1/B2 visa who want protection against a sudden flare-up, not just brand-new illnesses and injuries.
With coverage available from just 5 days and renewable up to 364 total days, Atlas America visitor insurance fits everything from a short family visit to an extended stay in the United States.
As a comprehensive plan with access to the UnitedHealthcare PPO Network, Atlas America pays 100% of eligible in-network expenses after the deductible - no scheduled per-service payout caps like a fixed-benefit plan, and a policy maximum of up to $2,000,000 for travelers under 65.
Atlas America is available for travelers age 14 days to 99 years, but coverage maximums drop significantly for seniors - $50,000 to $100,000 for ages 65-79, and just $10,000 for age 80 and older. The plan does not cover routine or chronic pre-existing condition treatment, and it excludes trip cancellation coverage.
How Much Maximum Coverage Does Atlas America Insurance Provide?
The policy maximum is the total dollar amount of benefits available. Once reached, no additional benefits are paid.
- check_circleUnder age 65: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
- check_circleAge 65 to 79: $50,000 or $100,000
- check_circleAge 80+: $10,000
What Is a Deductible in Atlas America Insurance?
The deductible is the amount the insured must pay before Atlas America insurance starts to cover expenses.
- check_circleDeductible options: $0, $100, $250, $500, $1,000, $2,500, $5,000.
What Is the Coinsurance in Atlas America Health Insurance?
Co-insurance is the percentage of eligible expenses the company pays after the deductible is met. If treatment is received in the PPO network, this visitor medical insurance plan pays 100% of eligible expenses after the deductible up to the overall maximum limit - both in-network and outside the PPO network.
Why Should I Buy Atlas America Visitor Insurance?
Atlas America is a comprehensive travel medical insurance plan for non-U.S. citizens visiting the USA, administered by WorldTrips and underwritten through the Tokio Marine HCC group. Inside the UnitedHealthcare PPO network, the plan pays 100% of eligible expenses after the deductible - no coinsurance split - up to your chosen policy maximum, making it a popular choice for parents visiting the USA, tourists, business travelers, and international students.
- check_circle Acute onset of pre-existing condition covered up to the full policy maximum for travelers under 70, and up to the policy maximum or $100,000 (whichever is lower) for ages 70-79 - chronic and congenital conditions are excluded.
- check_circle Acute onset emergency medical evacuation covered up to $25,000 lifetime maximum, in addition to the plan's standard evacuation benefit.
- check_circle Emergency medical evacuation covered up to $1,000,000 lifetime maximum, helping get you to the nearest adequate medical facility - or home - in a covered emergency.
- check_circle Vacation sports coverage included automatically for eligible injuries and illnesses from recreational sports, as long as you're not competing for money, prizes, or professional gain.
- check_circle Emergency dental covered up to $300 for sudden onset of pain, not subject to the deductible.
- check_circle Complications of pregnancy covered during the first 26 weeks of gestation - a benefit not all U.S. visitor plans include.
- check_circle Urgent Care Clinic visits covered with a $15 copay, waived for members who choose a $0 deductible.
- check_circle Optional device protection for smartphones, tablets, and laptops up to $2,000, available through WorldTrips' partnership with Bolt.
- check_circle 24/7 multilingual travel assistance for referrals, translation help, and emergency coordination throughout your trip.
- check_circle Renewable online for up to 364 days total - just be sure to renew before your current policy expires, since coverage cannot be reinstated after it lapses.
Atlas America visitor insurance is one of the most established comprehensive plans for travelers to the USA, combining broad UnitedHealthcare PPO network access, acute onset of pre-existing condition coverage, and dependable evacuation protection for parents, seniors, students, and international visitors alike.
Who Is Eligible for Atlas America Visitor Insurance?
- check_circle For non US citizens traveling outside their home country.
- check_circle Parents Visiting the USA: Comprehensive visitor medical insurance with pre-existing condition coverage for non-US citizen parents.
- check_circle Business & Temporary Workers: Meets visa insurance requirements for business professionals and temporary workers.
- check_circle Exchange & OPT Students: Suitable for exchange program participants, OPT students, and H1B/H4 visa holders.
- check_circle Ages 14 Days – 79 Years: Available for non-US citizens traveling outside their home country, with limited coverage beyond age 80.
How Much Does Atlas America Insurance Cost?
The Atlas America Insurance cost ranges from $50 to $528 per month, depending on the traveler’s age, selected plan maximum, and deductible.
The table below shows sample daily rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
| Age of traveler | $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | $2,000,000 |
|---|---|---|---|---|---|---|
| 18 - 29 years | $50 | $63 | $69 | $87 | $100 | $105 |
| 30 - 39 years | $60 | $81 | $94 | $101 | $111 | $117 |
| 40 - 49 years | $78 | $96 | $108 | $128 | $146 | $154 |
| 50 - 59 years | $131 | $161 | $200 | $225 | $248 | $261 |
| 60 - 64 years | $117 | $225 | $301 | $327 | $360 | $378 |
| 65 - 69 years | $206 | $258 | Not available for this age group | |||
| 70 - 79 years | 356 | 444 | Not available for this age group | |||
| 80 - 99 years | $528/month $10,000 max only, $250 deductible | |||||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Deductible Adjustment Factors
Multiply the base rate above by the factor for your chosen deductible:
Access Quality Healthcare Abroad with Air Doctor
Atlas America policy holders now have the access to quality medical care through Air Doctor. Whether you're traveling for business, leisure, or family visits, Air Doctor ensure you have a quality medical care within covered areas.
- Two Free Doctor Visits per Policy: Policy holders are eligible for two doctor visits at no cost, with no upfront payment or claim filing required. Policies lasting more than six months include a third visit.
- Telehealth Services for U.S. Coverage: For Atlas America plans that include the U.S. coverage, Air Doctor are limited to telehealth (video) services. In-person visits can be accessed through the UnitedHealthcare PPO network.Through the Air Doctor app, policy holders can effortlessly connect with certified doctors, specialists, and healthcare providers worldwide.
What Are the Benefits of Atlas America Travel Medical Insurance?
| Hospital Room & Board | Average semi-private room rate, including nursing services. |
| Intensive care unit | Up to the overall maximum limit. |
| 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. |
| Hospital emergency room | 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. |
| Physician visits | Bedside visit up to $1500 not subject to deductible. |
| Emergency dental | Up to $300 - not subject to deductible |
| Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day |
| Emergency Medical Evacuation | $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. |
| Repatriation of remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. |
| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
| Emergency local ambulance | Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
| Political Evacuation | Up to $100,000 lifetime maximum - not subject to deductible |
| Return of minor children | Up to $50,000 (not subject to deductible or coinsurance). |
| Trip Interruption | Up to $10,000 (not subject to deductible or coinsurance). |
| Travel Delay | Up to $100 a day after a 12-hour delay period, maximum of 2 days. |
| Emergency reunion | Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance) |
| Natural disaster evacuation | Up to $250 a day for 5 days (not subject to deductible or coinsurance). |
| Emergency Eye Exam for a Covered Loss | Up to $150. $50 deductible per occurrence (plan deductible is waived). |
| Personal liability | Up to $25,000 lifetime maximum Up to $25,000 third person injury Up to $25,000 third person property Up to $2,500 related third person property Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit). |
| Local Burial or Cremation | Up to $5000 lifetime maximum |
| Pet return | Up to the maximum limit |
| Seatbelt benefit | Up to $1000 (not subject to deductible or coinsurance). |
| Optional Crisis Response Rider with Natural Disaster Evacuation | Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit |
| Border entry protection | Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border(not subject to deductible). |
| Lost or Stolen Passport/Travel Visa | Up to $100 – not subject to deductible |
| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) | Under Age 18: Lifetime maximum: $5,000 Ages 18 Through 69: Lifetime maximum: $25,000 Ages 70 Through 74: Lifetime maximum: $12,500 Age 75 and Older: Lifetime maximum: $6,250 $250,000 maximum benefit any one family or group, not subject to deductible or overall maximum limit |
| Common Carrier Accidental Death | Under Age 18: Lifetime maximum: $10,000 Ages 18 Through 69: Lifetime maximum: $50,000 Ages 70 Through 74: Lifetime maximum: $25,000 Age 75 and Older: Lifetime maximum: $12,500 Subject to a maximum of $250,000 any one family or group, not subject to deductible or overall maximum limit |
| Acute Onset of Pre-Existing Conditions | Covers up to overall maximum limit, under age 80. |
| Pre-Existing condition medical evacuation | Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
Traveling as a Group of 5 or More?
Save 10% with Atlas Group travel insurance - ideal for student trips, mission teams, corporate groups, and family reunions. Compare quotes and coverage in minutes.
Atlas America Insurance PPO Network - How It Works
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, and medical providers contracted by WorldTrips to offer services to insureds - helping reduce out-of-pocket costs. Atlas America travel medical insurance uses the UnitedHealthcare network.
When seeking treatment within the U.S., you may reduce your out-of-pocket costs by visiting a doctor within the PPO - a network of hundreds of thousands of established, highly qualified medical practitioners and well-recognized hospitals across the U.S.
- Direct billing - the hospital bills WorldTrips directly; no upfront payment in most cases.
- Negotiated rates - network providers charge pre-negotiated lower fees.
- 100% coverage - after deductible, plan pays 100% of eligible expenses up to the maximum.
- No referral needed - visit any in-network provider directly.
Are Optional Add-On Benefits Available with Atlas America?
Yes. Atlas America visitors insurance offers optional add-on benefits that can be purchased with the plan for an additional cost. These riders must be selected at the time of purchase and are subject to the plan's terms, conditions, and eligibility requirements.
Device Protection
Optional $2,000 device protection for smartphones, tablets, and laptops via WorldTrips' partnership with bolt, including screen cracks and liquid damage.
Crisis Response
Base plan pays up to $10,000 for kidnap/ransom and crisis expenses. This upgrade increases total Crisis Response benefit to $100,000.
Additional AD&D
Base plan provides $25,000 AD&D for ages 18–69. This rider increases the total AD&D benefit to $50,000.
Personal Liability
Base plan covers up to $25,000 personal liability. This upgrade increases coverage to $100,000.
Does Atlas America Insurance Cover Pre-Existing Conditions?
Atlas America insurance covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 80, including up to $25,000 lifetime maximum for related emergency medical evacuation.
General definition: A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the plan start date - a diagnosis is not required for it to be considered pre-existing.
Acute Onset Benefit Applies Only If:- It does not directly or indirectly relate to a chronic or congenital condition.
- Treatment is obtained within 24 hours of the sudden, unexpected outbreak or recurrence.
- You are under 80 years of age.
- You are not traveling against medical advice or an established treatment program.
- You are not traveling with intent to seek treatment for the condition.
- You are traveling outside your home country.
How Do I Buy Atlas America Visitor Insurance in California?
Residents of California must note that Atlas America insurance Provider is not licensed by the State of California as the insurance provider is called “non admitted” or “surplus line”. This means that the insurance company does not participate in the insurance guarantee funds created by California Law and insured claims will not be paid by the funds if the insurance company is unable to pay as promised.
However the customer will face this risk only if the insurance company is financially unable to pay their liabilities and this depends on their financial stability. The financial stability of a company is reflected by the insurance provider rating and having an AM rating of “A” and above indicates that the company is very stable and able to settle customer claims. WorldTrips holds a financial strength rating of “A++” (Superior) by A.M. Best Company.
You can find other comprehensive visitor insurance plans.
Notice for California Residents »Compare Atlas Travel WorldTrips Insurance!
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Atlas Travel Insurance Exclusions
Certain medical expenses are excluded from coverage under this travel insurance plan. Refer to the Description of Coverage for the complete exclusion list.
- Charges resulting from any pre-existing condition, except under the Acute Onset benefit.
- Routine medical examinations.
- Routine pre-natal care, pregnancy, childbirth, and post-natal care.
- Mental health disorders.
- Medical expenses for injury/illness from specifically-excluded extreme sports (see Description of Coverage for the full list).
How Do I File a Claim With Atlas America Insurance?
To file a claim with Atlas America Insurance, follow these steps:
Best Comprehensive Travel Insurance for USA
Hi, Please can you suggest me a travel insurance for USA?
Regards,
Liberty
Hi Liberty
Thank you for contacting American Visitor Insurance with your inquiry!
The Atlas America/Atlas Travel plan is a good comprehensive plan and very popular with tourists to the US because there is no coinsurance or cost after the deductible if you go within the PPO network of the company. 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. They 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.
This plan is good for people on OPT and H1 Visa holders who are already in the US for sometime. The issue with the OPT person or someone who has been in the US for some time is that many plans require to be bought within a certain time frame of your arrival into the US. Your last entry into the US is the one that counts in terms of eligibility for a new plan.
However, this plan does not restrict the purchase for this reason. This plan cannot be purchased from Canada, Australia and some US states (MD, WA, NY).
Atlas America InsuranceFeel free to call or email us with any questions or comments you may have. We wish you and yours safe and happy travels!
Sincerely,
www.americanvisitorinsurance.com Customer care (877) 340 7910Learn More About Atlas America Insurance!
Discover Atlas America travel medical insurance, coverage benefits, eligibility, costs, and helpful tips for visitors to the USA.
Atlas America Travel Health Insurance – FAQs
Why Buy Atlas America Insurance Through American Visitor Insurance?
American Visitor Insurance offers a simple and reliable way to choose the right travel medical insurance for visitors to the USA with confidence and purchase your Atlas America plan online in minutes.
- check_circleEasy Plan Comparison and Purchase: Buy Atlas America Insurance online through American Visitor Insurance while reviewing plan details, understanding your policy maximum and deductible options, and comparing benefits and pricing all in one place. This makes it simple to choose the right plan and complete your purchase securely in just a few minutes.
- check_circleHelpful Resources for Better Decisions: We offer detailed FAQs, a blog, and guides based on real customer questions - including how the Acute Onset of Pre-Existing Condition benefit works. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
- check_circleExperienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers by answering questions, clarifying plan details, and helping them choose the right WorldTrips plan.
- check_circleSupport When You Need It: With support teams across both the East and West Coast of the US, we are available across multiple time zones to assist you with the application process and help guide you through claims if needed during your trip.
- check_circleLicensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).