Atlas International Travel Insurance
Best international travel insurance plan with coverage for acute onset of pre-existing conditions while traveling outside their home country. Meets Schengen visa requirements
From
$26
/month · less than $1/day
5 days
Minimum coverage
1 year
Maximum renewable
A++
AM Best rating
$2M
Max coverage
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What is Atlas International Insurance?
Atlas International Insurance is designed for travelers seeking reliable overseas health and medical coverage outside the USA. Available through American Visitor Insurance, this comprehensive international travel medical insurance is ideal for both non-U.S. residents traveling abroad and U.S. citizens traveling internationally.
Atlas International is one of the few international visitor travel insurance plans that offers no coinsurance within the PPO network, helping reduce out-of-pocket costs during treatment.
This international health insurance plan for Schengen visa travel meets all Schengen visa requirements, making it a popular choice for travelers visiting Europe. It is widely recommended as a dependable overseas travel medical insurance option for short-term and long-term trips.
Designed to take the risk out of traveling abroad, Atlas International includes coverage for:- Emergency medical expenses and hospitalization
- Medical evacuation and repatriation
- Acute onset of pre-existing conditions (up to age 79 for life-threatening situations)
- Acts of terrorism
- Complications of pregnancy
- Incidental trips back to home country
Atlas International travel insurance for seniors is also flexible for older travelers. If purchased at age 79, coverage remains valid even if the traveler turns 80 during the policy period.
calendar_month
COVERAGE PERIOD
5 days to 364 days
people
COVERAGE TYPE
Secondary (Excess)
business
UNDERWRITER
TMHCC Insurance SPC Ltd & Houston Casualty Company
paid
DEDUCTIBLES
$0, $100, $250, $500, $1,000, $2,500, $5,000
Who Is Atlas International Insurance Best Suited For?
Senior travelers and visiting parents
Suitable for older travelers visiting abroad, offering coverage for emergency medical care and acute onset of pre-existing conditions where applicable.
Suitable for older travelers visiting abroad, offering coverage for emergency medical care and acute onset of pre-existing conditions where applicable.
Tourists and international vacationers
Ideal for travelers seeking affordable protection against unexpected medical emergencies such as illness, injury, or hospitalization abroad.
Ideal for travelers seeking affordable protection against unexpected medical emergencies such as illness, injury, or hospitalization abroad.
Business travelers and frequent flyers
Designed for professionals on short-term international trips who need flexible and reliable travel medical insurance coverage.
Designed for professionals on short-term international trips who need flexible and reliable travel medical insurance coverage.
Students and exchange visitors
A practical option for students studying or participating in academic programs outside their home country.
A practical option for students studying or participating in academic programs outside their home country.
Not ideal for:
Travelers requiring trip cancellation coverage, routine medical care, or extensive protection for chronic pre-existing conditions.
Travelers requiring trip cancellation coverage, routine medical care, or extensive protection for chronic pre-existing conditions.
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Overall, Atlas International is a strong choice for anyone looking for affordable international travel insurance with trusted support and comprehensive benefits.
How Much Coverage Does Atlas International Travel Insurance Offer?
Atlas International Insurance provides flexible international travel medical insurance coverage limits based on the traveler’s age and selected plan.
The policy maximum is the total dollar amount available for all eligible medical expenses. Once this limit is reached, no further benefits are payable.
Coverage Options by Age- Age 80+: Up to $10,000
- Age 65 to 79: $50,000 or $100,000
- Under Age 65: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
This flexibility makes Atlas International a strong choice for travelers seeking affordable overseas health insurance, whether you need basic coverage or high-limit global medical travel insurance for extended trips abroad.
What is a deductible in Atlas International Insurance?
In Atlas International Insurance, the deductible is the out-of-pocket amount you pay before your international travel medical insurance starts covering eligible expenses.
Once met, your Atlas overseas health insurance pays according to the policy.
Deductible options: $0, $100, $250, $500, $1,000, $2,500, $5,000Choosing a lower deductible travel insurance plan means a higher premium but lower upfront costs during a claim. A higher deductible international insurance plan reduces your premium but increases your initial out-of-pocket medical expenses when seeking care abroad.
tune Benefits
What Are The Benefits of International Travel Mdical Insurance?
Atlas International Insurance offers strong overseas travel insurance coverage.
- check_circleIt covers U.S. and non-U.S. citizens traveling outside the USA
- check_circleIncludes coverage for acute onset of pre-existing conditions (up to policy maximum, under age 80)
- check_circleMeets Schengen visa insurance requirements
- check_circleCovers complications of pregnancy(first 26 weeks)
- check_circleEmergency medical evacuation up to $1,000,000 (lifetime max)
- check_circleRenewable up to 364 days (must renew before expiry)
- check_circleIncludes vacation sports coverage at no extra cost
Best for
Who Should Buy Atlas International Travel Insurance?
Best for:
- check_circleU.S. citizens traveling outside the USA (excluding USA coverage)
- check_circleDigital nomads & long-term travelers
- check_circleStudents or professionals abroad
- check_circleTravelers visiting multiple countries in one trip
Not ideal if:
- check_circleYou need coverage inside the USA
- check_circleYou want full pre-existing condition coverage (not just acute onset)
Why Choose Atlas International Travel Medical Insurance?
Top reasons travelers choose Atlas International Insurance:- check_circleBudget-friendly compared to global plans
- check_circleStrong worldwide network via WorldTrips
- check_circleCovers COVID-19 like any illness
- check_circleIdeal for long-duration travel outside home country
- check_circleEasy online purchase & instant ID cards
Coverage
Why US Citizens Traveling Abroad Need Atlas International Medical Insurance
Most U.S. health insurance plans - including employer-sponsored coverage, ACA marketplace plans, and Medicare - offer little to no coverage once you travel overseas. A medical emergency abroad can quickly turn into a major financial burden without proper international travel medical insurance. Atlas International Insurance helps protect U.S. citizens traveling abroad with affordable, comprehensive overseas medical coverage. With flexible options and global protection, it’s designed to reduce the risks of international travel.
| Benefit | What it means for US citizens abroad |
|---|---|
| Coverage up to $2,000,000 | Choose high-limit global medical coverage for hospitalization, surgery, and emergency care worldwide. |
| No coinsurance within PPO network | Pay your deductible, and eligible expenses are covered - reducing out-of-pocket costs. |
| Acute onset of pre-existing conditions | Coverage for sudden, life-threatening flare-ups (up to age 79). |
| Emergency medical evacuation up to $1,000,000 | Transport to the nearest qualified hospital or back home if needed. |
| Schengen visa compliant | Instant visa letter available for travel to Europe. |
| Coverage from 5 to 364 days | Ideal for short trips or long-term travel abroad. |
| Renewable coverage | Extend your plan (up to 1 year total) if your travel plans change. |
| Vacation sports included | Coverage for eligible injuries during recreational activities at no extra cost. |
Pricing Guide
How Much Does Atlas International Insurance Cost?
The cost of Atlas International Insurance ranges from $26 to $375 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.
Ages 0–79: $50,000, $100,000, $250,000, $500,000, $1,000,000 & $2,000,000 options
Age 80+: $10,000 only
| Age of traveler | Medical Coverage | |||||
|---|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | $2,000,000 | |
| 18 - 29 years | $26 | $32 | $35 | $41 | $43 | $45 |
| 30 - 39 years | $31 | $38 | $45 | $50 | $55 | $56 |
| 40 - 49 years | $53 | $61 | $64 | $72 | $77 | $79 |
| 50 - 59 years | $90 | $98 | $106 | $112 | $122 | $126 |
| 60 - 64 years | $113 | $118 | $125 | $138 | $147 | $151 |
| 65 - 69 years | $133 | $147 | Not available for this age group | |||
| 70 - 79 years | 205 | 225 | Not available for this age group | |||
| 80 - 99 years | $375/month $10,000 max only, $250 deductible | |||||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
lightbulb Benefits
What Are the Benefits of Atlas International Travel Insurance Plans?
| 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. |
| Emergency local ambulance | Usual, reasonable and customary charges for covered illness or injury. Illness must result 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). |
| 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). |
| 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 Eye Exam Copayment | Up to $150. $50 deductible per occurrence (plan deductible is waived). |
| 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). |
| Local Burial or Cremation | Up to $5,000 lifetime maximum. |
| Travel Delay | Up to $100 a day after a 12-hour delay period, maximum of 2 days. |
| 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 $100,000 lifetime maximum (not subject to deductible or coinsurance). |
| Benefit Period | 90 days per certificate period. |
| Personal liability | Up to $25k lifetime maximum Up to $25k third person injury Up to $25k 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 $5,000 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. $250,000 maximum benefit any one family or group. Accidental death & dismemberment buy up: $25k |
| Common carrier accidental death | Up to $50k for ages 18 through 69 Up to $10,000 under age 18 Up to $25,000 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). | |
| Loss of Checked Baggage | Up to $1000 – not subject to deductible | |
| Acute Onset of Pre-Existing* | Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation. | |
descriptionOptional Riders
What Optional Riders are Included in Atlas International Insurance?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge. Atlas International Insurance also provides optional buy-up coverage for the following:
1
Crisis Response
- Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response.
- The Crisis Response benefit included in your plan pays up to $10,000 for eligible expenses resulting from a covered kidnapping or express kidnapping. Eligible costs may include:
- Ransom
- Crisis response fees and expenses
- Reimbursement for personal belongings surrendered
- This upgrade allows you to purchase an additional $90,000 in Crisis Response coverage with the added benefit of $10,000 for Natural Disaster Evacuation. This upgrade increases the total Crisis Response benefit to $100,000.
2
Accidental Death and Dismemberment Upgrade
- This rider, available to members ages 18 to 69, allows purchase of additional Accidental Death and Dismemberment (AD&D) coverage. Coverage may be increased to equal the medical maximum coverage amount. The AD&D benefit is not subject to the overall policy maximum.
- Accidental Death and Dismemberment coverage provides benefits in the event of your death or loss of limb due to an accident. It does not cover certain activities and conditions (as listed in the policy).
- Atlas Travel’s base plan provides $25,000 in AD&D coverage to members ages 18 to 69. This rider increases the total AD&D benefit to $50,000.
2
Personal Liability Rider
- The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
- Accidental bodily injury, including death, illness, or disease to a third person (up to $25,000)
- Accidental loss of or damage to a third person’s material property (up to $25,000)
- Accidental loss of or damage to a related third person’s material property (up to $2,500)
- This upgrade increases your Personal Liability coverage from $25,000 to $100,000.
Provider Access
PPO Networks - Finding a Doctor
WorldTrips 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.
Find PPO Network Providers »
cancel Restrictions
What Are the Restrictions of Atlas Travel Insurance?
The Atlas Series is not available to individuals who are physically located in New York, Maryland, Washington, Iran, Canada, or Australia at time of purchase. Additionally, travel to Iran is not eligible.
shield Schengen Visa
Is Atlas International Insurance Good for Schengen Visa?
Yes, Atlas International Insurance fully satisfies Schengen visa insurance requirements as mandated by European consulates. Here is a full compliance breakdown:
| Schengen Requirement | Satisfy? | Atlas International Detail |
|---|---|---|
| Minimum €30,000 (~$50,000 USD) medical coverage | ✓ Yes | Choose $50,000 to $2,000,000 |
| Emergency medical evacuation included | ✓ Yes | Up to $1,000,000 lifetime maximum |
| Repatriation of remains included | ✓ Yes | Up to the elected maximum limit |
| Valid across all 29 Schengen member states | ✓ Yes | No geographic restrictions within Schengen area |
| Coverage for entire duration of stay | ✓ Yes | Purchase for exact travel dates |
| $0 deductible option available | ✓ Yes | Deductible options from $0 to $5,000 |
| Underwriter has European presence | ✓ Yes | TMHCC / Houston Casualty Company |
Real-World Example
How does Atlas International Health Insurance Work in Real Life?
Example: If you fall sick in Europe:- Visit nearest hospital
- Show Atlas ID card
- Pay deductible (e.g., $250)
- Insurance pays remaining eligible expenses up to policy max
See How It Works →
Common Questions
Atlas International Insurance - FAQs
Yes, Atlas International Insurance is ideal for long-term international travel insurance needs, offering coverage up to 364 days with renewable options for extended overseas medical insurance.
This Atlas International travel medical insurance covers acute onset of pre-existing conditions, not full treatment, making it suitable for travelers needing limited pre-existing condition coverage abroad.
Yes, in most cases you can purchase Atlas International insurance for travel abroad even after departure, making it a flexible overseas travel insurance plan.
Yes, Atlas International insurance for Schengen visa and other destinations meets most of the international visa insurance requirements, but always confirm specific country rules before travel.
AM Best rates the financial strength of insurance companies - their ability to pay claims when you need them. An A++ (Superior) rating is the highest possible rating AM Best awards, given to companies with the strongest balance sheets and claims-paying ability.
WorldTrips (underwritten by TMHCC / Houston Casualty Company) holds this top rating, along with AA- from Standard & Poor's. In practical terms, this means that if you file a large claim - say, a $150,000 emergency hospitalization or a $200,000 medical evacuation - there is an extremely high degree of confidence the claim will be paid in full. For travelers taking high-value trips or those with higher medical risk, the A++ rating is a meaningful differentiator.
Atlas 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 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.
Atlas Travel policyholders who are U.S. citizens or non-U.S. citizens traveling outside of the U.S. will be covered under Atlas International, which provides coverage outside of the United States. Atlas Travel policyholders who are non-U.S. citizens (and home country is not the United States) traveling to the United States will be covered under Atlas 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 Travel 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.).
The correct plan will be automatically selected for you when you purchase your Atlas Travel 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.).
Yes. Atlas International plan is available for both US and Non-US citizens traveling outside the US.This plan is available from 5 days to 364 days.
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.
Atlas International includes vacation sports coverage as a standard part of the plan - no rider or additional premium required. This covers injuries and illnesses sustained while participating in recreational sports such as skiing, snowboarding, hiking, scuba diving, snorkeling, horseback riding, cycling, and similar activities. What is not covered without an additional rider: extreme or professional sports, competitive events, motor racing, and high-risk adventure activities such as skydiving or base jumping. If you are planning extreme adventure activities, ask about the optional Crisis Response rider. With Atlas International available on American Visitor Insurance, recreational sports coverage is simply included.
Yes this is one of Atlas International's most important differentiators. Acute onset of pre-existing conditions is covered for travelers up to age 79 years. For travelers under 70, coverage is up to the overall policy maximum. For travelers aged 70 through 79, coverage for acute onset of pre-existing conditions is up to the overall maximum limit or $100,000, whichever is lower, plus up to $25,000 for emergency medical evacuation related to the pre-existing condition.
Travelers aged 80 and above are not covered for acute onset of pre-existing conditions, and the maximum plan limit is $10,000.
As with all travel medical plans, 'acute onset' means a sudden and unexpected flare-up requiring treatment within 24 hours - it does not cover ongoing or routine treatment of a pre-existing condition.
Atlas International is an excellent option for medium-term international travelers, but has one key limitation for long-term travel: it is renewable for up to 364 days per year, meaning you must renew annually rather than enjoying continuous multi-year coverage under a single policy. Each renewal resets your deductible. For trips of up to one year, Atlas International is hard to beat - it's comprehensive, well-rated, and covers sports by default.
For travelers planning to live abroad for more than one year continuously, some plans allow renewals up to 24 months under the same policy, which may be preferable. For truly long-term international living (2+ years), both plans may be better supplemented by a global expat health insurance plans which provide annual renewable worldwide coverage including the USA.
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 Travel insurance offers a $10,000 policy maximum to applicants over age 80.
Simple Process
How Do I File a Claim With Atlas International Insurance?
To file a claim with Atlas International Insurance, follow these steps:
menu_bookExclusion
What Are the Exclusions of Atlas Travel Insurance?
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.
- check_circleCharges resulting directly or indirectly from any pre-existing condition, except as covered under the Acute Onset of Pre-Existing Condition benefit
- check_circleRoutine medical examinations
- check_circleRoutine pre-natal care, pregnancy, childbirth, and post-natal care
- check_circleMental health disorders
- check_circleMedical expenses for injury or illness resulting from participation in specifically-excluded extreme sports see Description of Coverage for full list of excluded sports).
Coverage
Atlas Travel Insurance Related Coverage
WorldTrips Atlas International Insurance
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From $26/month