Atlas Essential Insurance for visitors

Ideal for Popular US visitor insuranceLow-cost comprehensive visitors insuranceCovid-19 coverage

Atlas Essential Insurance Cost

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Atlas Essential travel Insurance for USA

Atlas Essential is for budget-conscious travelers, an Atlas Essential travel medical insurance policy provides coverage for the basic necessities as you travel outside of your home country.Atlas Essential insurance has two plans:

  • Atlas Essential America insurance is ideal for visiting the US.
  • Atlas Essential International Insurance is ideal for traveling outside the US.
  • Fewer benefits and lower coverage limits in exchange for a lower premium
  • Coverage for unexpected medical expenses, including COVID-19-related expenses
  • Emergency Medical Evacuation benefit
  • 79 years old turing 80 during the coverage period, Atlas Essential plan does not affect coverage as long plan is purchased at age 79.

Key benefits of Atlas Essential plan Insurance

Comprehensive plan

Emergency medical evacuation

Urgent care

PPO network

Visitors to USA or International travelers

Budget-conscious travelers

Atlas Essential travel insurance reviews

Insurance provider
Atlas Essential insurance rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Atlas travel insurance underwriter
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Atlas Travel vs Atlas Premium
Deductible options
$0 $100 $250 $500 $1k $2,500 $5k per certificate period.
Coinsurance of Atlas Essential Insurance
Within the PPO: The plan pays 75%
Policy maximum
  • Age 80+: $10k
  • Age 65 to 79: $50k $100k
  • All others: $50k $100k $250k $500k $1M $2M

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Key Highlights of Visitors Care

Atlas Essential Insurance - Key Highlights

  • 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 $500k lifetime maximum(Not subject to deductible, co-insurance or overall maximum limit).
  • 79 years old turing 80 during the coverage period, Atlas Essential plan does not affect coverage as long plan is purchased at age 79.

WorldTrips Atlas Essential Travel Insurance summary

Atlas Essential insurance Coinsurance
  • Within the PPO: We will pay 75% of eligible expenses after the deductible to the overall maximum limit.
  • Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
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Atlas Essential 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 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.

08. 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.

09. 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.

10. 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.

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Plan benefits of Atlas Essential insurance

  • 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.Quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.(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 $1M lifetime maximum, except as provided under acute onset of pre-existing condition.
    Repatriation of remains Up to $25k lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limit).
    Local Burial or Cremation Up to $5k lifetime maximum, not subject to deductible or coinsurance.

WorldTrips Insurance related coverage

WorldTrips Insurance related coverage

Atlas Essential 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).
A pre-existing condition is any condition:
  1. for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
  2. which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
  3. that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

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 travel insurance related links

Atlas Essential Plan

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 FAQ

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