What is Atlas Travel Insurance?

Atlas Travel Insurance is a comprehensive travel medical insurance plan from WorldTrips designed for international travelers, tourists, families, and business travelers.

Who can buy Atlas Travel Insurance?

Atlas Travel Insurance is available for non-US citizens traveling outside their home country and US citizens traveling internationally.

Does Atlas Travel Insurance cover pre-existing conditions?

Atlas Travel Insurance provides coverage for the acute onset of pre-existing conditions for eligible travelers up to the specified age limits.

What is the policy maximum available in Atlas Travel Insurance?

Atlas Travel Insurance offers policy maximum options ranging from $50,000 up to $2,000,000 depending on the plan selected.

Can Atlas Travel Insurance be renewed?

Yes, Atlas Travel Insurance plans can be renewed online for continued coverage up to the plan maximum duration.

Atlas Travel Insurance 2026 | Inbound & Outbound Coverage

Choose Your Coverage Direction

Atlas Travel Medical Insurance for Visitors to the USA

Popular Atlas visitor insurance for the USA include Atlas America, Atlas Premium America and Atlas Essential America. These plans are commonly purchased by parents visiting the USA, tourists on B1/B2 visas, H1B and H4 visa holders, F1 and J1 international students, and travelers looking for affordable travel medical insurance with flexible coverage options.

Atlas America travel medical insurance plans are designed for non-US citizens visiting the United States on tourist, visitor, student, immigrant, or work visas. Whether you are traveling to the USA to visit family, attend school, work temporarily, or explore the country, Atlas plans help protect you from expensive US medical costs, hospital stays, emergency treatment, and unexpected illnesses or injuries during your trip.

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Atlas Essential America

$36 / month for 25-year-old

Ideal for budget-conscious visitors to the USA
Policy Maximum: $50,000 - $1,000,000
Deductible: $0 to $5,000
Coinsurance: Pays 75% of eligible expenses (In PPO)
Duration: 5 to 364 days (renewable)
Emergency Medical Evacuation: Up to $500,000
Acute Onset of Pre-Existing Conditions: Not available
PPO Network: United Healthcare Network

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Atlas America

$49 / month for 25-year-old

Ideal for international visitors to the U.S.
Policy Maximum: $10,000 - $2,000,000
Deductible: $0 to $5,000
Coinsurance: Pays 100% of eligible expenses
Duration: 5 to 364 days (renewable)
Emergency Medical Evacuation: Up to $1,000,000
Acute Onset of Pre-Existing Conditions: Up to age 79
PPO Network: United Healthcare Network

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thumb_up Premium Tier

Atlas America Premium

$61 / month for 25-year-old

Best for travelers wanting maximum protection
Policy Maximum: $50,000 - $2,000,000
Deductible: $0 to $5,000
Coinsurance: Pays 100% of eligible expenses
Duration: 5 to 364 days (renewable)
Emergency Medical Evacuation: Up to $1,000,000
Acute Onset of Pre-Existing Conditions: Up to age 79
PPO Network: United Healthcare Network

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Provider Access

Atlas Travel Insurance PPO Network – How It Works

Inside the USA - In-Network (PPO)

Atlas America plans use the UnitedHealthcare PPO Network, allowing travelers to access a large network of doctors and hospitals across the United States. After the deductible, the plan pays 100% of eligible medical expenses up to the overall maximum limit. Using in-network providers can also help simplify billing and reduce upfront medical expenses during treatment.

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Outside the USA - Any Licensed Provider

Atlas International plans do not use a PPO network, allowing travelers to visit any licensed doctor or hospital worldwide without network restrictions. The plan offers flexible worldwide medical coverage, including hospitalization, emergency medical treatment, and doctor visits, with eligible expenses covered up to the selected policy maximum.

Optional Riders

Optional Riders Available with Atlas America & Atlas International Plans

Atlas America and Atlas International plans offer optional riders and buy-up coverage that travelers can add for extra protection during their trip. These optional benefits are not available with Atlas Premium or Atlas Essential plans, so coverage options may vary depending on the Atlas plan selected

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Crisis Response Rider

Increases crisis response coverage to $100,000 total, with $10K for natural disaster evacuation. Covers kidnap, ransom, and crisis response fees.

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Personal Liability Rider

Increases personal liability coverage from $25,000 to $100,000 for third-party bodily injury or property damage you cause accidentally.

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AD&D Buy-Up (Ages 18–69)

Increases Accidental Death & Dismemberment coverage from $25,000 to $50,000. Not subject to the overall policy maximum.

Pricing Guide

How Much Does Atlas America Travel Insurance Cost?

The cost of Atlas travel insurance for visitors traveling to the USA costs from around $36 to $537 per month depending on the traveler’s age, coverage amount, and deductible selected.

The table below displays sample monthly rates with a $250 deductible for different traveler age groups.

Filter by age :

Plan	Max Coverage	Age 20	Age 40	Age 60	Age 70
Atlas Essential America	$50,000 - $1,000,000	$36 - $71	$56 - $105	$127 - $258	$255 - $318help
Atlas America	$50,000 - $2,000,000	$49 - $101	$76 - $149	$172 - $367	$344 - $429help
Atlas America Premium	$50,000 - $2,000,000	$61 - $127	$95 - $186	$214 - $457	$430 - $537help

Source: American Visitor Insurance® | Prices verified for 2026 travel season.

Buyer Guide

Who Should Buy Inbound Atlas Insurance?

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Parents Visiting the USA

Your parents visiting on B-2 tourist visas get full USA medical coverage with the Atlas America plan.

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International Students

F-1, J-1, or OPT-status students needing affordable, compliant health insurance for their US stay.

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H1B / H4 Visa Holders

Workers and spouses on H1B / H4 visas who need gap coverage or supplemental insurance.

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New Immigrants

Individuals awaiting employer-sponsored or government health coverage after arriving in the USA.

State & Country Restrictions: Atlas plans are not available to individuals physically located in New York, Maryland, or Washington state at time of purchase, nor in Canada or Australia.

Atlas International Travel Medical Insurance Outside the USA

Popular Atlas international travel insurance include Atlas International, Atlas Premium International and Atlas Essential International. These plans are ideal for vacation travelers, international tourists, business travelers, students studying abroad, missionaries, and travelers visiting Europe or other international destinations. Atlas International also meets Schengen visa travel insurance requirements, making it a popular choice for travelers visiting countries in the Schengen Area.

Atlas International travel medical insurance is designed for US citizens and US residents traveling outside the United States, as well as non-US citizens traveling internationally outside their home country. These plans provide coverage for unexpected medical expenses, emergency hospitalization, travel emergencies, and medical evacuation while traveling abroad.

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Atlas Essential International

$39 / month for 40-year-old

Great for budget-conscious international travelers
Policy Maximum: $10,000 - $1,000,000
Deductible: $0 to $5,000
Duration: 5 to 364 days (renewable)
Emergency Medical Evacuation: Up to $500,000
Acute Onset of Pre-Existing Conditions: Not available
Satisfies Schengen visa insurance requirements

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Atlas International

$53 / month for 40-year-old

Best for affordable travel medical insurance
Policy Maximum: $10,000 - $2,000,000
Deductible: $0 to $5,000
Duration: 5 to 364 days (renewable)
Emergency Medical Evacuation: Up to $1,000,000
Acute Onset of Pre-Existing Conditions: Up to age 79
Satisfies Schengen visa insurance requirements

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thumb_up Higher limits

Atlas International Premium

$74 / month for 40-year-old

Enhanced international coverage with higher limits
Policy Maximum: $20,000 - $2,000,000
Deductible: $0 to $5,000
Duration: 5 to 364 days (renewable)
Emergency Medical Evacuation: Up to $1,000,000
Acute Onset of Pre-Existing Conditions: Up to age 79
Satisfies Schengen visa insurance requirements

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Buyer Guide

Who Should Buy Atlas International Insurance?

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US Citizens Traveling Abroad

US passport holders traveling internationally who need medical coverage outside the United States.

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Schengen Visa Applicants

Atlas International meets all Schengen area requirements, perfect for travel to Europe.

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Multi-Country Travelers

Those visiting multiple destinations on a single trip - Atlas International covers worldwide travel.

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Volunteers & Missionaries

Organizations and individuals doing humanitarian or missionary work internationally.

Note: Atlas International excludes US coverage. If your itinerary includes time in the USA, consider Atlas America instead. Atlas plans are not available to residents of Canada or Australia at time of purchase.

Pricing Guide

How Much Does Atlas International Travel Insurance Cost?

Atlas travel insurance for international travelers outside the USA costs from around $19 to $316 per month depending on the traveler’s age, selected coverage limit, and deductible amount.

The table below displays sample monthly rates with a $250 deductible for different traveler age groups.

Filter by age :

Plan	Max Coverage	Age 20	Age 40	Age 60	Age 70
Atlas Essential International	$10,000 - $1,000,000	$19 - $32	$39 - $57	$84 - $109	$151 - $167help
Atlas International	$10,000 - $2,000,000	$26 - $45	$53 - $79	$113 - $151	$205 - $226help
Atlas International Premium	$20,000 - $2,000,000	$37 - $63	$74 - $111	$158 - $211	$287 - $316help

Source: American Visitor Insurance® | Prices verified for 2026 travel season.

Side-by-Side Comparison

Compare Atlas Travel Insurance Plans

This Atlas Travel Insurance comparison table from American Visitor Insurance helps travelers compare Atlas America, Atlas International, Atlas Essential America, and Atlas Nomads plans based on coverage, deductibles, PPO network access, emergency evacuation benefits, and travel destination. Compare Atlas plans side-by-side to find the best travel medical insurance for visitors to the USA or travelers going abroad.

Feature	Atlas America	Atlas International	Atlas Essential America	Atlas Nomads
Best For	Non-US citizens visiting USA	US & non-US citizens traveling outside USA	Budget-conscious visitors to USA	Digital nomads working abroad
US Coverage Included	Yes	No	Yes	No
Max coverage	$10,000 - $2,000,000	$10,000 - $2,000,000	$50,000 - $1,000,000	$250,000
Deductible options	$0 - $5,000	$0 - $2,500	$0 - $5,000	$0
PPO network (USA)	UnitedHealthcare Network	Not Available	UnitedHealthcare Network	UnitedHealthcare Network
Acute onset of Pre-existing coverage	Yes (up to age 79)	Yes (up to age 79)	Yes (up to age 79)	Yes (up to age 70)
Emergency evacuation	Up to $1,000,000	Up to $1,000,000	Up to $500,000	Up to $1,000,000
Renewable period	364 days	24 months	364 days	364 days
Air Doctor Visits	2 free visits	Not Available	Not Available	2 free visits
Schengen Visa Requirements	No	Yes	No	No
COVID-19 Coverage	Yes	Yes	Yes	Yes
Explore Plan	View Plan »	View Plan »	View Plan »	View Plan »
Get Started	shopping_cart Buy Now	shopping_cart Buy Now	shopping_cart Buy Now	shopping_cart Buy Now

Why Should I Buy Atlas Travel Insurance?

Atlas Travel Insurance is a popular travel medical insurance plan offered by WorldTrips, a member of the Tokio Marine HCC group of companies. Atlas plans are designed for international travelers, visitors to the USA, students, tourists, parents, and digital nomads who need reliable medical coverage during their trip. Atlas Travel Insurance is backed by A++ (Superior) rated underwriting from AM Best, providing strong financial stability and dependable claims support. Here are the key reasons to choose Atlas Travel Insurance:

Comprehensive travel medical coverage: Atlas plans cover unexpected illnesses and injuries, including hospital stays, physician visits, urgent care, emergency services, and eligible medical expenses during international travel.
Coverage for pregnancy complications: Atlas Travel Insurance includes coverage for eligible complications of pregnancy during the covered trip, offering additional protection for travelers.
Adventure sports coverage: Many Atlas plans include coverage for adventure sports and recreational activities, helping protect travelers participating in eligible outdoor and sports activities.
Border Entry Protection: Atlas America and Atlas Premium America plans include Border Entry Protection benefit up to $500 if a traveler is unexpectedly denied entry into the United States and must return home.
Acute onset of pre-existing conditions coverage: Most Atlas plans provide coverage for the acute onset of pre-existing conditions up to age 79, making the plans suitable for many older travelers and parents visiting the USA.
Emergency medical evacuation coverage: Atlas plans include emergency medical evacuation coverage up to $1,000,000, helping travelers reach the nearest appropriate medical facility during a serious medical emergency.
UnitedHealthcare PPO Network access in the USA: Atlas America plans provide access to the UnitedHealthcare PPO Network, allowing travelers to access a large network of doctors and hospitals while helping reduce out-of-pocket costs.
Schengen visa compliant coverage: Atlas International plans meet Schengen visa insurance requirements, making them a popular choice for travelers visiting Europe.
Flexible coverage duration: Atlas plans can be purchased for short-term or long-term travel, with coverage available from as little as 5 days up to 364 days, depending on the plan selected.

Simple Process

How Do I File a Claim With Atlas Travel Insurance?

To file a claim with Atlas Travel Insurance, follow these steps:

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Step 01

Download Form

Get the WorldTrips claim form from the member portal.

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Step 02

Call Support

Speak to our licensed support staff for guidance.
800-605-2282

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Step 03

Submit Documents

Mail to WorldTrips PO Box 240358 Apple Valley, MN 55124

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Step 04

Email Help

service@worldtrips.com

Quick Analysis

Pros & Cons of Atlas Travel Insurance

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Advantages

11 benefits

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A++ (Superior) AM Best rating - maximum financial stability

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Very high maximum limits - up to $2,000,000

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Flexible deductibles ($0 to $5,000) to control premium cost

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Covers acute onset of pre-existing conditions up to age 79

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COVID-19 treatment covered as any other illness

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UnitedHealthcare PPO network access in USA

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100% covered outside USA (any licensed provider)

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Includes pregnancy complications (first 26 weeks)

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Air Doctor: 2 free included doctor visits per policy

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Available for ages 14 days through 99 years

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Easy online purchase, renewal, and claims filing

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Disadvantages

8 limits

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Secondary (excess) coverage - may not pay if you already have primary insurance with adequate limits

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No trip cancellation benefit (only trip interruption)

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Chronic and congenital pre-existing conditions excluded

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Not available to residents of NY, MD, WA, Canada, or Australia

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ER co-pay of $200 for illness inside the USA

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80/20 coinsurance applies in USA in-network (first $5,000 after deductible)

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Travelers 80+ limited to $10,000 maximum coverage

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Benefit period for ongoing treatment capped at 90 days per certificate period

Where to Get Atlas Insurance

How to Purchase Atlas Travel Insurance?

Common Questions

Atlas Travel Insurance - FAQs

Atlas Travel Insurance covers emergency medical expenses including hospitalization, doctor visits, ICU care, emergency dental treatment, emergency medical evacuation, repatriation, trip interruption, travel delay, and emergency reunion. It also covers COVID-19 treatment, acute onset of pre-existing conditions (under age 80), complications of pregnancy (first 26 weeks), outpatient physical therapy, personal liability, AD&D, lost passport, pet return, bedside visits, and more. See the full benefits table above for complete details.

Atlas America is designed for non-US citizens visiting the United States. It includes US coverage and access to the UnitedHealthcare PPO network. Atlas International covers travel outside the USA and is available to both US citizens and non-US citizens. Because Atlas International excludes the USA (where healthcare costs are highest), its premiums are significantly lower. See our comparison table above.

Atlas Travel Insurance covers the acute onset of pre-existing conditions up to the overall maximum limit for travelers under age 80 (up to $25,000 for Emergency Medical Evacuation). "Acute onset" means a sudden, unexpected, and rapidly progressive outbreak requiring urgent care within 24 hours of symptoms. Chronic, congenital, or gradually worsening conditions are not covered. Travelers aged 70–79 receive coverage up to the overall maximum limit or $100,000, whichever is lower.

Inside the USA, Atlas America is part of the UnitedHealthcare PPO network. When you visit an in-network provider, after your deductible the plan pays 80% of eligible expenses and you pay 20% for the first $5,000 of covered costs. After that, the plan pays 100%. Outside the USA, there is no PPO restriction - you may visit any licensed medical provider, and the plan pays 100% after your deductible. To find an in-network doctor, visit worldtrips.com/find-a-doctor.

Yes. If you initially purchased coverage for less than 364 days, you can renew your Atlas Travel Insurance online up to a total of 364 days. Renewals are available before your current policy expires.

Atlas Travel Insurance meets insurance requirements for B-2 tourist visas, F-1 student visas, J-1 exchange scholar visas, H1B and H4 work visas, and K-1 fiancée visas. Whether the US consulate or embassy specifically requires travel insurance depends on the visa type and the consular officer, but Atlas plans are widely accepted for US visa applications.

Yes. All Atlas Travel Insurance plans include coverage for COVID-19 treatment as they would any other covered illness. This means doctor visits, hospitalization, ICU care, and emergency medical evacuation related to COVID-19 are covered up to your policy maximum, subject to deductible and coinsurance.

Yes. Atlas International meets all Schengen area travel insurance requirements, including minimum medical coverage and emergency medical evacuation. It is widely accepted when applying for Schengen visas for travel to European countries. Your policy documents and ID card are emailed instantly after purchase, which you can submit with your visa application.

Atlas Travel Insurance is underwritten by TMHCC Insurance SPC Ltd and Houston Casualty Company, both members of the Tokio Marine HCC group of companies. The underwriter holds an A++ (Superior) rating from AM Best - the highest possible financial strength rating, indicating exceptional ability to meet ongoing insurance obligations.

Yes. Atlas Travel Insurance covers many popular vacation sports at no additional cost, including skiing, snowboarding, snorkeling, water skiing, and similar recreational activities. Extreme sports (such as professional or competitive activities, motorsports, mountaineering above certain elevations, etc.) may be excluded. Review the policy exclusions or ask an American Visitor Insurance agent if your specific activity is covered.

Atlas Travel Insurance covers complications of pregnancy during the first 26 weeks of gestation. It does not cover routine prenatal care, normal delivery, or maternity care beyond complications during the first 26 weeks.

Atlas Nomads is specifically designed for non-US citizens and non-US residents who work remotely while traveling internationally. If you are a digital nomad living and working outside your home country and you are not a US citizen or resident, Atlas Nomads provides comprehensive health coverage, emergency evacuation, and trip interruption benefits while you explore the world. It starts at approximately $1.85/day.

Yes. The Atlas plan series is not available to individuals physically located in the states of New York, Maryland, or Washington, or in the countries of Canada or Australia at the time of purchase.

The benefit period is 90 days per certificate period. This means that for any covered illness or injury that begins during your coverage, you have up to 90 days from the onset to continue seeking treatment under that same covered condition. This is separate from your overall policy duration (up to 364 days).

You can file a claim online through the WorldTrips claims portal. Keep all receipts, medical reports, and bills from your providers. In a medical emergency, contact WorldTrips' 24/7 emergency assistance line (found on your ID card) before seeking treatment when possible, as pre-authorization may be required for certain services. American Visitor Insurance licensed agents can assist you in the claims process - call (877) 340-7910.

Yes. Atlas America Insurance is a good option for visitors who are already in the USA without current insurance coverage. It's also appropriate for international students on OPT status, H1B visa holders, and H4 visa spouses. However, the plan cannot be backdated - coverage begins the day after purchase (or your specified start date, whichever is later).

Why American Visitor Insurance

Why Buy Atlas Travel Insurance Through American Visitor Insurance?

American Visitor Insurance has been helping travelers find the right coverage. Here's why thousands of travelers choose to purchase through American Visitor Insurance rather than buying direct.

Best Price Guaranteed: American Visitor Insurance guarantees the same price as buying directly from WorldTrips - never more. You get expert guidance at no extra cost.

Licensed Insurance Agents: Speak with a licensed insurance professional (not a call center script) who can explain plan differences, help you choose the right deductible, and assist with claims. Call (877) 340-7910.

Instant Online Quotes & Purchase: Compare, customize, and buy Atlas Travel Insurance online in minutes. Receive your ID card and policy documents by email immediately after purchase.

Unbiased Plan Comparison: American Visitor Insurance represents multiple insurance carriers. We help you compare Atlas plans against other top-rated visitor insurance options so you make an informed decision.

Multilingual Support: Resources available in multiple languages. American Visitor Insurance serves customers from India, China, Mexico, the Philippines, South Korea, Nigeria, Brazil, and dozens more countries.

Claims Assistance: American Visitor Insurance helps you navigate the claims process. Our team can guide you through submitting claims correctly so you get maximum reimbursement without unnecessary delays.

Easy Renewals: Need to extend your stay? Renew your Atlas plan online up to 364 days total without purchasing a brand-new policy. American Visitor Insurance simplifies the renewal process.

Trusted by 100,000+ Travelers: Over two decades of serving international travelers to and from the USA. Read verified customer reviews and testimonials from travelers like you.

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Atlas Travel Insurance

What Is Atlas Travel Insurance?

Atlas Travel Medical Insurance for Visitors to the USA

Atlas Travel Insurance PPO Network – How It Works