What is Atlas Group travel insurance?
Atlas group insurance offers short term group medical insurance coverage for missionaries, student groups, families, corporate groups and organizations. The group of travelers must comprise of atleast 5 members. 10% discount is available for groups of US citizens or non-US Citizens. It provides coverage for pre-existing condition for travelers in the group up to 70 years.
After buying the plan, Traveler can get all the plan document and plan id card by using Atlas Group login. At American Visitor Insurance, US Travelers can contact the Atlas Group insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
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Atlas Group Insurance Reviews
How much is Atlas Group travel insurance coverage?
What is a deductible in Atlas Group insurance?
What is a Coinsurance in Atlas Group insurance?
What are the key highlights of Atlas Group insurance?
- Atlas Group provides your travel group with flexible, budget-friendly coverage as you travel abroad.
- Designed for Student groups studying abroad or taking a trip overseas.
- Acute onset of pre-existing condition is available up to the overall maximum limit only for under age 79.
- 79 years old turing 80 during the coverage period, Atlas Group plan does not affect coverage as long plan is purchased at age 79.
- Atlas Group insurance for 5 travelers aged 40 starts at $79 for 7 days, with a $50,000 medical maximum and a $250 deductible
Who is eligible for Atlas Group insurance plan?
- Groups of 5 or more travelers travelling outside their home country.
- Missionary groups: Groups travelling to offer help in disaster relief.
- Student groups: Student groups travelling overseas for studies or on excursions.
- Family groups: Group of family members travelling abroad.
- Individuals who are physically located in the state of New York at time of purchase will not be covered.
What are the benefits of Atlas Group insurance?
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Hospital room and board Average semi-private room rate, including nursing services. Intensive care unit Up to the overall maximum limit. Hospital indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). 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 dental (acute onset of pain up to 72 hours) Up to $300 (not subject to deductible or coinsurance). -
Emergency medical evacuation $1M lifetime maximum, except as provided under acute onset of pre-existing condition. Emergency reunion Up to $100k maximum of 15 days (not subject to deductible or coinsurance) Repatriation of remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. Return of minor children Up to $50k (not subject to deductible or coinsurance). Emergency reunion Up to $100k 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). Political evacuation Up to $100k lifetime maximum (not subject to deductible or coinsurance). Benefit Period 90 days per certificate period. Personal liability Up to $25k 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 $75k lifetime maximum(not subject to deductible or overall maximum limit).Local Burial or Cremation Up to $5k lifetime maximum. Accidental death & dismemberment Members under age 18: Up to $5k lifetime maximum.
Members age 18-69: Up to $25k lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250k maximum benefit any one family or group.
Accidental death & dismemberment buy up: $25kCommon carrier accidental death Up to $50,000 for ages 18 through 69
Up to $10k under age 18
Up to $25k for ages 70 through 74
Up to $12,500 for ages 75 and older
Maximum of $250k for any one family or group. -
Trip Interruption Up to $10k (not subject to deductible or coinsurance). Travel Delay Up to $100 a day after a 12-hour delay period, maximum of 2 days. -
Acute Onset of Pre-Existing Condition* Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation. -
Terrorism $1k maximum limit. Not subject to deductible Lost or Stolen Passport/Travel Visa Up to $100 – not subject to deductible Pet return Up to the maximum limit Seatbelt benefit Up to $1k (not subject to deductible or coinsurance). Bedside visit Up to $1,500 (not subject to deductible or coinsurance). Optional Crisis Response Rider with Natural Disaster Evacuation Up to $90k per certificate period, with $10k 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).
Atlas Group Pre-existing travel insurance
"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).
Acute onset of pre-existing condition*: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:
- The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under eighty (80) years of age;
- 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;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
Quotes for Atlas Group Travel for Visitors to USA!
Compare and buy insurance for groups of five or more people traveling outside their home country.
Compare Atlas Group insurance quotes »What is the PPO network in Atlas Group WorldTrips Insurance?
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by WorldTrips to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. Atlas Group travel insurance PPO Network is United Healthcare network.
Atlas Group - Does united healthcare cover US travel and how to find hospital or doctor?
When seeking treatment within the U.S., you may reduce your out-of-pocket costs by visiting a doctor within your preferred provider organization (PPO). A PPO is a network of hundreds of thousands of established, highly qualified medical practitioners and well-recognized hospitals in the U.S.
location_city Find Provider NetworkWorldTrips provides flexibility for you to access quality healthcare while traveling outside the United States. There is no preferred provider organization (PPO) outside the U.S., so you may visit any licensed provider you choose.
Atlas Group 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:
- The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under eighty (80) years of age;
- 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;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
Atlas Group insurance - FAQ's
Atlas group insurance offers short term group medical insurance coverage for missionaries, student groups, families, corporate groups and organizations. The group of travelers must comprise of atleast 5 members. 10% discount is available for groups of US citizens or non-US Citizens. It provides coverage for pre-existing condition for travelers in the group up to 70 years.
Atlas group Insurance for groups of 5 or more travelers travelling outside their home country.
The cost of the Atlas group travel insurance will vary depending on the age of the traveller, 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.
You can purchase Atlas multi trip Insurance on American Visitor Insurance at buy Atlas Group 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.
The main requirements for applying for Atlas group insurance is the travellers 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.
If your group members are at least 14 days old and traveling internationally, they are eligible for coverage. Your group must purchase coverage for at least 5 days, though you do not have to travel all 5 days.
If your group members are under age 65, you may select an overall maximum limit between $50,000 and $2,000,000. Group members age 65 to 79 may choose an overall maximum limit of $50,000 or $100,000. Atlas Group insurance offers a $10,000 policy maximum to applicants over age 80.
The same overall maximum limit must be purchased for every member of your group under the age of 65. The same deductible must be purchased for every member of your group.
Atlas Group policyholders who are U.S. citizens or non-U.S. citizens (and home country is not the United States) traveling outside of the U.S. will be covered under Atlas Group International, which provides coverage outside of the United States.
Atlas Group policyholders who are non-U.S. citizens traveling to the United States will be covered under Atlas Group 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 Group 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.)
How do I file a claim with Atlas Group Insurance?
To file a claim with Atlas Group Insurance, follow these steps:
- Download the Claims Form: Access the Atlas Essential insurance claims form online.
- Contact Customer Support: Call the toll-free number 800-605-2282 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents and submit a Claimant's Statement and Authorization form along with supporting documents for every incident:
- Mailing Address: WorldTrips PO Box 240358 Apple Valley, MN 55124.
- Email Assistance: For additional help or inquiries, email service@worldtrips.com.
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What are the Atlas 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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