Acute onset of Pre-existing conditions Atlas travel insurance

Compare and buy worldTrip best medical insurance for pre-existing conditions

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General definition of pre-existing condition

"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 pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Look back period
The look back period for a policy determines whether you have a Pre-Existing Condition. It is the period of time that the insurance provider looks back to see if there has been any changes in a medical condition.

WorldTrips best annual travel insurance with pre existing medical conditions coverage

Atlas America

Plan Details Brochures Buy Online
  • Atlas America insurance Eligibility
    • Non-US Citizens traveling outside their home country
  • Atlas America insurance Coinsurance
    • Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Atlas America insurance Coinsurance
    • Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
  • 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.
  • Atlas America Travel insurance - Key Highlights
    • This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
    • This plan is available to both Non-US citizens and US citizens traveling outside their home country.
    • The deductible options for this plan are $0, $100, $250, $500, $1k, $2500 and $5k per Certificate period.
    • The policy maximum options available with this plan are $50k, $100k,250k, $500k, $1M or $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50k and $100k and for people above 80 the only option is $10k.
    • You will be eligible for coverage of acute onset of pre-existing conditions if you are younger than 80 and all the conditions mentioned in the brochure are met. This includes a $25k lifetime maximum for emergency medical evacuation.
    • 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.
    • Trip Interruption coverage available for upto $10k not subject to deductible
    • Travel Delay coverage is available for upto $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
    • Lost checked luggage up to $1k - not subject to deductible.
    • Political Evacuation available up to $100k lifetime maximum not subject to deductible.
    • Bedside visit up to $1500 not subject to deductible.
    • Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10k per member, from age 18 to 69 - $50k per member, age 70 to 74 - $25k and for age 75+ $12,500.
    • Emergency Medical Evacuation is covered for $1M lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $50k- $2M Price range: $ 110.40 - $222.90 Buy now

Atlas International

Plan Details Brochures Buy Online
  • Atlas International insurance Eligibility
    • Only US Citizens and non-US citizens whose travel does not include the continental USA, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands, except US citizens whose travel includes an Incidental Trip to the USA, and who are at least 14 days of age are eligible for coverage under this plan.
  • Atlas International insurance Coinsurance
    • Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Atlas International insurance Coinsurance
    • Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
  • 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.
  • Atlas International Travel insurance - Key Highlights
    • This plan is a comprehensive international plan that is available for Non US citizens and US citizens traveling outside their home country.
    • The deductible options for this plan are $0, $100, $250, $500, $1000 , $2500 and $5000 per Certificate period
    • The policy maximum options available with this plan are $50,000, $100k,$250k,$500k, $1M or $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50k and $100k and for people above 80 the only option is $10k.
    • No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
    • 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.
    • Trip Interruption coverage available for up to $10k not subject to deductible.
    • Travel Delay coverage is available for up to $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
    • Lost checked luggage up to $1k - not subject to deductible.
    • Political Evacuation available up to $100k lifetime maximum not subject to deductible.
    • Bedside visit up to $1500 not subject to deductible.
    • Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10k per member, from age 18 to 69 - $50k per member, age 70 to 74 - $25000 and for age 75+ $12,500.
    • Emergency Medical Evacuation is covered for $1M lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $50k - $2M Price range: $65.10 - $103.80 Buy now
  • Atlas Premium insurance Coinsurance
    • Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Atlas Premium insurance Coinsurance
    • Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
  • 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.
  • Atlas Premium Travel insurance - Key Highlights
    • The deductible options for this plan are $0, $100, $250, $500, $1k, $2500 and $5k per Certificate period
    • The policy maximum options available with this plan are $50k, $100k, $250k, $500k, $1M or $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50k and $100k and for people above 80 the only option is $20k.
    • No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
    • 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.
    • Trip Interruption coverage available for up to $15k not subject to deductible.
    • Travel Delay coverage is available for up to $200 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
    • Lost checked luggage up to $2k - not subject to deductible.
    • Political Evacuation available up to $150k lifetime maximum not subject to deductible.
    • Bedside visit up to $1500 not subject to deductible.
    • Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10k per member, from age 18 to 69 - $100k per member, age 70 to 74 - $25000 and for age 75+ $12,500.
    • Emergency Medical Evacuation is covered for $1M lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $50k - $2M Price range: $186.90 - $314.10 Buy now
  • Atlas Nomads insurance Coinsurance
    • Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Atlas Nomads insurance Coinsurance
    • Covers up to overall maximum limit, under age 70.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
  • Atlas Nomads 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.
  • Atlas Nomads Travel insurance - Key Highlights
    • Atlas Nomads is nomad health insurance for non-U.S. citizens/residents traveling and working abroad.
    • International Travel Health Insurance for Digital nomads and worldwide explorers.
    • Acute onset of pre-existing conditions covered up to the overall maximum limit.
    • Coverage for unexpected medical expenses, including an emergency medical evacuation benefit.
    • Supplemental travel benefits including Trip Interruption, travel delay, and lost checked luggage.
    • Emergency travel benefits including terrorism, political evacuation, and crisis response.
    • A monthly payment option and coverage you can purchase prior to departure (or at any point during your travel).
    • Coverage for up to $250,000 in eligible medical expenses with no deductible
    • Global health coverage for (almost) the entire world.
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $250K Price range: $127.50 Buy now

VisitorSecure Fixed Benefit Plan

  • Eligibility to buy VisitorSecure insurance
    • Travelers traveling outside their home country and who are over 14 days of age.
    • US citizens must be traveling outside of the continental US, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands in order to be eligible.
    • For individuals coming to the US who are over age 65, coverage must be effective within 30 days of arrival.
  • Acute Onset of Pre-Existing Conditions
    • Up to the maximum limit.(Insured person must be under 70 years of age)
    Pre-Existing condition medical evacuation
    • $25k maximum limit for emergency medical evacuation
  • VisitorSecure insurance restrictions
    • The VisitorSecure 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.
  • VisitorSecure insurance - Key Highlights
    • Visitor Secure is available for people traveling to the US and abroad.
    • Visitor Secure plan has four types of plans namely Plan A, Plan B, Plan C and Plan D.
    • The plan has the following deductible options and overall policy maximum options for people of different age groups:
    • Deductible options Plan A Plan B Plan C Plan D
      Age 14 days to 59 years $0, $50, $100 $0, $50, $100 $0, $50, $100 $0, $50, $100
      Age 60 to 69 years $0, $50, $100 $0, $50, $100 $0, $50, $100 NA
      Age 70 to 79 years $100 or $200 $100 or $200 NA NA
      Age 80 and above $100 or $200 NA NA NA
      Overall policy maximum options Plan A Plan B Plan C Plan D
      Age 14 days to 59 years $50k $75k $100k $130k
      Age 60 to 69 years $50k $75k $100k NA
      Age 70 to 79 years $50k $75k NA NA
      Age 80 and above $10k NA NA NA
    • Visitor Secure plan provides coverage for hospital room and board including miscellaneous. The price varies depending on the type of plan.
    • The plan covers Inpatient Intensive Care Unit, Private Duty Nurse, Physician visits, Consultant physician, Surgery and price varies between the types of plans.
    • Outpatient treatment facilities such as surgical facility, pre admission testing, diagnostic x-ray and labs,prescription drugs, Urgent Care are covered with this plan.
    • He Plan provides coverage for acute onset of pre-existing conditions up to the age of 70.
    • Emergency medical evacuation available for up to $50k lifetime maximum for age below 70.
    • Repatriation of remains is covered upt o $25k per member.
    • Emergency Quarantine Indemnity for Covid-19 is available with this plan with $50 a day for up to 10 days.
For eg - Age: 40 years; Duration: 1 Month; Deductible: $0
Estimate Plan Cost Coverage: $50k - $130k Price range:$42- $76.50 Buy now

WorldTrips travel insurance for pre-existing conditions - Frequently Asked Questions

01. Does Atlas America insurance cover pre-existing conditions?

Atlas America is a best travel insurance pre existing conditions Insurance that offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It 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 $100k, whichever is lower.

02. 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.

03. 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.

04. Does Atlas Premium Insurance cover covid illness?

WorldTrips Covid19 travel insurance by Atlas Premium 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

05. 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.

06. 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.

07. 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.

08. How do I purchase Atlas Travel Medical Insurance?

You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas Travel plans. 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.

09. 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.

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WorldTrips Pre-existing Conditions Travel Insurance

WorldTrips acute onset of Pre-existing conditions travel insurance coverage

Atlas Travel Insurance, Atlas America Insurance and Atlas Premium Insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

Atlas Travel Pre-existing conditions coverage - FAQ's

01.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

02.  Do WorldTrips travel insurance plans really cover pre-existing conditions?

Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.

Visitor secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

03.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

04.  How do I know if my pre-existing condition is covered by travel insurance?

Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America Insurance policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.

Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

WorldTrips’s Atlas America Insurance and Atlas Premium Insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.

These Acute on set of pre-existing condition excludes the following conditions

  • Chronic condition or congenital condition.
  • Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.
  • Traveler must not be traveling against the recommendations of 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.

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