Atlas International Travel Insurance
Comprehensive international travel medical insurance starting from just $1/day
Best international travel insurance plan with coverage for acute onset of pre-existing conditions while traveling outside their home country. Meets Schengen visa requirements.
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.
Overall, Atlas International is a strong choice for anyone looking for affordable international travel insurance with trusted support and comprehensive benefits.
After buying the plan, Traveler can get all the plan document and plan id card by using Atlas International login. At American Visitor Insurance, International Travelers can contact the Atlas International customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Atlas International Insurance Reviews
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, $5,000
Choosing 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.
What is a Coinsurance in Atlas International insurance?
Who Should Buy Atlas International?
Best for:
- U.S. citizens traveling outside the USA (excluding USA coverage)
- Digital nomads & long-term travelers
- Students or professionals abroad
- Travelers visiting multiple countries in one trip
- You need coverage inside the USA
- You want full pre-existing condition coverage (not just acute onset)
Why Choose Atlas International?
Top reasons travelers choose Atlas International Insurance:
- Budget-friendly compared to global plans
- Strong worldwide network via WorldTrips
- Covers COVID-19 like any illness
- Ideal for long-duration travel outside home country
- Easy online purchase & instant ID cards
How does it 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
What Are The Benefits of Atlas International Insurance?
Atlas International Insurance offers strong overseas travel insurance coverage.
- It covers U.S. and non-U.S. citizens traveling outside the USA
- Includes coverage for acute onset of pre-existing conditions (up to policy maximum, under age 80)
- Meets Schengen visa insurance requirements
- Covers complications of pregnancy (first 26 weeks)
- Emergency medical evacuation up to $1,000,000 (lifetime max)
- Renewable up to 364 days (must renew before expiry)
- Includes vacation sports coverage at no extra cost
Who is eligible for Atlas International insurance plan?
- Eligible for Non US citizens and US citizens traveling outside their home country.
- For ages 14 days to 89 years.
- 79 years old turing 80 during the coverage period, Atlas International plan does not affect coverage as long plan is purchased at age 79.
How much does Atlas International insurance cost per month?
The Atlas International insurance cost per month ranges between $27 to $233. This is dependent on the age of the traveler, the plan maximum and the deductible.
Understandably, the cost of Atlas International insurance is higher for older travellers as they are more likely to need healthcare while traveling. Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 64 years can choose maximum limits of $50,000, $100,000, $500,000, $1,000,000, $2,000,000. Travelers aged 65 to 79 years can choose $50,000 or $100,000 coverage. For travelers above 80 years only $10,000 maximum coverage is available.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | $2,000,000 | |
| 18 - 29 years | $27 | $33 | $36 | $42 | $44 | $46 |
| 30 – 39 years | $32 | $40 | $46 | $52 | $56 | $58 |
| 40 – 49 years | $54 | $62 | $65 | $74 | $79 | $82 |
| 50 - 59 years | $93 | $101 | $109 | $116 | $125 | $130 |
| 60 -64 years | $117 | $121 | $129 | $143 | $151 | $156 |
| 65 – 69 years | $138 | $152 | ||||
| 70 -79 years | $212 | $233 | ||||
*For senior travelers aged 80 to 99, the cost is $233, with a maximum coverage of $10,000 and a deductible of $250.
What are the benefits of Atlas International insurance?
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Hospital room & board help Average semi-private room rate, including nursing services. Intensive care unit help Up to the overall maximum limit. Hospital indemnity help $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 help 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 help 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 Eye Exam Copayment help Up to $150. $50 deductible per occurrence (plan deductible is waived). -
Emergency medical evacuation help $1M lifetime maximum, except as provided under acute onset of pre-existing condition. Emergency reunion help 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 help Up to $50k (not subject to deductible or coinsurance). Travel Delay help Up to $100 a day after a 12-hour delay period, maximum of 2 days. Emergency reunion help Up to $100k, maximum of 15 days (not subject to deductible or coinsurance) Natural disaster evacuation help Up to $250 a day for 5 days (not subject to deductible or coinsurance). Emergency Eye Exam for a Covered Loss help Up to $150. $50 deductible per occurrence (plan deductible is waived). Political evacuation help Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). Benefit Period 90 days per certificate period. Personal liability help 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 help Up to $5,000 lifetime maximum. Accidental death & dismemberment help 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: $25kCommon carrier accidental death help 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. -
Acute Onset of Pre-Existing* help Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation. -
Terrorism help $1k maximum limit. Not subject to deductible Lost or Stolen Passport/Travel Visa Up to $100 – not subject to deductible Pet return help Up to the maximum limit Seatbelt benefit Up to $1k (not subject to deductible or coinsurance). Bedside visit help 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).
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.
3. 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.
Quotes for Atlas International Travel Insurance!
Review and compare the best Atlas International Travel insurance quotes.
Compare Atlas International Travel Insurance quotes »What is the PPO network in Atlas International WorldTrips Insurance?
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.
Atlas International insurance - FAQ's
WorldTrips Covid19 travel insurance by Atlas International travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
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.)
Yes, you can buy Atlas International insurance as it satisfies the Schengen visa requirements as mandated by the European consulates and also offers the Schengen visa letter as required by the Schengen state consulates. Atlas International travel insurance also offers visa letter in French if required.
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.
Atlas International health insurance for travellers is one of the travel insurance for pre existing conditions as it offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It however excludes coverage for chronic and congenital conditions. For visitors aged up to 70 years, it offers coverage up to overall maximum limit. Visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100,000, whichever is lower.
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.
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.
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.
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.
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.
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.
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.
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.
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.
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.
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.
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.
How do I file a claim with Atlas International Insurance?
To file a claim with Atlas International Insurance, follow these steps:
- Download the Claims Form: Access the Atlas International 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 restrictions of Atlas International 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.
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.
- 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).
Resourceful links of Atlas travel insurance
Atlas travel insurance FAQ
Frequently asked questions and answer about travel insurance plans.
Click here to read more »Atlas travel insurance blog
Blog to compare different Atlas Travel insurance plans
Click here to read more »Atlas travel insurance forum
Customer queries about Atlas insurance plan.
Click here to read more »Travel Insurance Claims
Atlas America travel insurance claim process
Click here to read more »Top Destinations who buy Atlas Travel Insurance
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