Atlas America Insurance and Atlas International Insurance Cover You Wherever You Go
If you are planning to travel abroad for six months or less, the single trip Atlas Travel Insurance Plan will provide you with the coverage you need. The Atlas Travel series plan can be used anywhere outside of your home country, so your trip can include multiple destinations. You can also easily extend coverage online or by phone if you need to extend your trip.
Atlas Insurance comes in two options. Atlas International provides coverage outside the USA, while Atlas America Insurance covers people whose travels will include the USA. Each plan will also meet and exceed most visa and immigration requirements around the world.
If you are planning to travel abroad for six months or less, the single trip Atlas Travel Insurance Plan will provide you with the coverage you need. The Atlas Travel series plan can be used anywhere outside of your home country, so your trip can include multiple destinations. You can also easily extend coverage online or by phone if you need to extend your trip.
Atlas Insurance comes in two options. Atlas International provides coverage outside the USA, while Atlas America Insurance covers people whose travels will include the USA. Each plan will also meet and exceed most visa and immigration requirements around the world.
Atlas Travel Insurance Highlights
Are you ready to purchase an Atlas Travel plan?
Click to get a free quote and apply and buy online today!
WorldTrips Atlas Insurance Benefits
Atlas Travel Insurance offers some of the most customizable travel insurance plans available. Whether you purchase Atlas International (for people outside of the US) or Atlas America Insurance (for people whose travel includes the USA), you will have the ability to customize your deductible, your coverage length and your coverage maximum.
Read the full schedule of benefits on page 3 of the Atlas Travel brochure.
| Deductibles | $0, $100, $250, $500, $1,000, $2,500, or $5,000 |
| Overall Maximum Limit | Age 80 or older - $10,000; Age 65 to 79 - $50,000 or $100,000; All others - $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
| Coinsurance | Atlas will pay 100% of eligible expenses* after the deductible up to the overall maximum limit |
| *Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise. | |
| Limit | ||
|---|---|---|
| Hospital Room and Board | Average semi-private room rate, including nursing services | |
| Local Ambulance | Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient | |
| Intensive Care Unit | Up to the overall maximum limit | |
| Claims inside U.S. | Claims outside U.S. | |
| Emergency Room Co-payment | $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital.No copayment for emergency room treatment of an injury. | No co-payment |
| Claims inside U.S. | Claims outside U.S. | |
| Urgent Care Center Co-payment | $15 co-payment ea. visit. No Co-payment for members with a $0 deductible. Not subject to deductible. | No co-payment. |
| Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day. Must be ordered in advance by a physician | |
| All Other Eligible Medical Expenses | Up to the overall maximum limit. | |
| Acute Onset of Pre-existing Condition (only available to members under age 80). | Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation. | |
| Emergency Dental (Acute Onset of Pain) | Up to $300 – not subject to deductible | |
| Emergency Eye Exam for a Covered Loss | Up to $150. $50 deductible per occurrence (plan deductible is waived). | |
| Limit | ||
|---|---|---|
| Emergency Medical Evacuation | Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition. Not subject to deductible or overall maximum limit. | |
| Return of Minor Children | Up to $50,000 Not subject to deductible | |
| Pet Return | Up to $1,000 Not subject to deductible | |
| Repatriation of Remains | Equal to the elected overall maximum limit. Not subject to deductible or coinsurance. This limit is for this benefit only and is not included in or subject to the overall maximum limit. | |
| Emergency Reunion | Up to $100,000 Subject to a maximum of 15 days. Not subject to deductible. | |
| Natural Disaster – Replacement Accommodations | Up to $250 a day for up to 5 days. Not subject to deductible. | |
| Emergency Quarantine Indemnity – COVID-19 (must have a minimum of 30 days of coverage) (only available outside your home country) | $50 a day for up to 10 days – not subject to deductible. Proof of quarantine mandated by a physician or governmental authority required. Quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results. | |
| Trip Interruption | Up to $10,000 Not subject to deductible | |
| Travel Delay | Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. Not subject to deductible. | |
| Lost Checked Luggage | Up to $1000 Not subject to deductible. | |
| Lost or Stolen Passport/Travel Visa | Up to $100 Not subject to deductible. | |
| Political Evacuation | Up to $100,000 lifetime maximum Not subject to deductible. | |
| Accidental Death & Dismemberment (Excludes loss due to common carrier accident) $250,000 maximum benefit any one family or group. Not subject to deductible or overall maximum limit. | Under age 18: Lifetime Maximum - $5,000 Death - $5,000 Loss of 2 Limbs - $5,000 Loss of 1 Limb - $2,500 Ages 18 through 69: Lifetime Maximum - $25,000 Death - $25,000 Loss of 2 Limbs - $25,000 Loss of 1 Limb - $12,500 | Ages 70 through 74: Lifetime Maximum - $12,500 Death - $12,500 Loss of 2 Limbs - $12,500 Loss of 1 Limb - $6,250 Ages 75 and older: Lifetime Maximum - $6,250 Death - $6,250 Loss of 2 Limbs - $6,250 Loss of 1 Limb - $3,125 |
| Optional Accidental Death & Dismemberment Rider (only available to members age 18 through age 69) | Lifetime Maximum - $25,000 Death - $25,000 Loss of 2 Limbs - $25,000 Loss of 1 Limb - $12,500 Not subject to deductible or overall maximum limit. | |
| Common Carrier Accidental Death | Ages 18 through 69: $50,000 Under age 18: $10,000 Ages 70 through 74: $25,000 Ages 75 and older: $12,500 Subject to a maximum of $250,000 any one family or group. Not subject to deductible or overall maximum limit. | |
| Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10,000 – not subject to deductible or overall maximum limit Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage. $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation. | |
| Hospital Indemnity | $100 per day of inpatient hospitalization – not subject to deductible | |
| Personal Liability | Up to: $25,000 lifetime maximum $25,000 third person injury $25,000 third person property $2,500 related third person property – not subject to deductible or overall maximum limit Optional Personal Liability Rider of up to $75,000 Lifetime max. – not subject to deductible or overall maximum limit | |
| Bedside Visit | Up to $1,500 – not subject to deductible | |
| 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. | |
Why Choose Atlas Travel Medical Insurance?
Many times the primary medical insurance in your home country will not cover you while traveling abroad. Also, it will not provide important services, perhaps essential ones, in the event of an illness or injury. Atlas Insurance includes crucial features such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.
WorldTrips, the plan administrator, provides 24/7 customer service for our Atlas Travel Medical insurance members. They also many other services you'll need if you run into difficulty while abroad, from simple things such as lost luggage to a crisis like a terrorist attack. In the event of medical emergencies, political evacuations, and natural disasters, WorldTrips will provide you with assistance in making emergency travel arrangements.
Are you ready to purchase an Atlas Travel plan?
Click to get a free quote and apply and buy online today!
How Much Does an Atlas Travel Insurance Plan Cost?
The cost of the Atlas International plan starts at $0.81 per day, while the Atlas America Insurance plan starts at $1.49 per day. On average, the premiums range from as little as $2.00 per day to as much as $4.00 per day. Rates below are your cost per day based on a $250 deductible, effective as of July 15, 2020. Costs will increase with a lower deductible or increase with a higher deductible. You can generate a quick quote to calculate your total trip cost.
Atlas International Insurance Premiums - Traveling Outside the United States (Cost per Day)
If you are traveling outside the United States, use these rates for the Atlas International plan. This includes U.S. citizens traveling overseas as well as persons traveling between countries, i.e., a citizen of India traveling to the United Kingdom. Daily rates were calculated using a $250 deductible.
| Maximum Limit | ||||||
|---|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1 Million | $2 Million | |
| 14 days-29 years | 0.85 | 1.03 | 1.22 | 1.41 | 1.48 | 1.54 |
| 30-39 | 1.07 | 1.33 | 1.54 | 1.72 | 1.88 | 1.94 |
| 40-49 | 1.76 | 1.96 | 2.19 | 2.47 | 2.64 | 2.73 |
| 50-59 | 2.99 | 3.14 | 3.64 | 3.87 | 4.19 | 4.32 |
| 60-64 | 3.70 | 3.77 | 4.31 | 4.75 | 5.04 | 5.19 |
| 65-69 | 4.32 | 4.76 | N/A | N/A | N/A | N/A |
| 70-79 | 6.83 | 7.52 | N/A | N/A | N/A | N/A |
| Maximum Limit | ||||||
| Age | $10,000 | |||||
| 80+ | 12.50 | |||||
Rates last updated on April 13, 2023
Atlas America Insurance Premiums - Traveling in the United States (Cost per Day)
If you are traveling to, temporarily residing in, or visiting the United States, please use these rates for the Atlas America Insurance plan. Daily rates were calculated using a $250 deductible.
| Maximum Limit | ||||||
|---|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1 Million | $2 Million | |
| 14 days-29 years | 1.51 | 1.91 | 2.15 | 2.71 | 3.10 | 3.25 |
| 30-39 | 1.84 | 2.51 | 2.99 | 3.21 | 3.53 | 3.72 |
| 40-49 | 2.63 | 3.26 | 3.73 | 4.42 | 5.07 | 5.32 |
| 50-59 | 4.36 | 5.41 | 6.84 | 7.75 | 8.52 | 8.96 |
| 60-64 | 5.55 | 7.15 | 9.71 | 10.57 | 11.61 | 12.20 |
| 65-69 | 6.46 | 8.16 | N/A | N/A | N/A | N/A |
| 70-79 | 10.12 | 12.75 | N/A | N/A | N/A | N/A |
| Maximum Limit | ||||||
| Age | $10,000 | |||||
| 80+ | 15.02 | |||||
Rates last updated on April 13, 2023
Are you ready to purchase an Atlas Travel plan?
Click to get a free quote and apply and buy online today!
Eligibility Requirements for a WorldTrips Atlas Insurance Plan
Individuals who are traveling outside of their home country and are at least 14 days old are eligible for coverage. If you are under age 65, you may select an Overall Maximum Limit ranging from $50,000 to $2,000,000. If you are age 65 to 79, the Overall Maximum Limit available is $100,000. If you are age 80 or older, the Overall Maximum Limit available is $10,000. The minimum coverage period is 15 days and the maximum coverage period is 12 months. You may purchase coverage in a combination of monthly and 15-day increments, depending on your needs.
Atlas Travel FAQs
Your coverage becomes effective on the latest of the following dates:
- the date WorldTrips receives your application and correct premium,
- the moment you depart from your home country
- or the date requested on your application.
Your coverage will end on the earliest of the following dates:
- the end of the period for which you have paid a premium,
- the date requested on your application
- or the moment you return back to your home country.
Yes, both Atlas International Insurance and Atlas America Insurance provide limited home country coverage. This benefit will provide for a set number of days of coverage for travelers if they return home for a period of time during their trip abroad. Policies with Home Country Coverage typically cover medical benefits related to a new illness or injury incurred during an incidental trip back to a traveler's home country.
You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.
U.S. home country:
- For every three-month period you are covered, eligible medical expenses incurred in the U.S. are covered up to 15 days. Non-U.S. home country:
- For every three-month period during which you are covered, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.
Should you change your home country's location during the certificate period, you must notify us of such change within fifteen (15) days. Your new home country will govern the terms of any home country or incidental home country coverage. Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or your return to your home country to obtain treatment for an illness or injury that began while traveling shall void any incidental home country coverage.
After your initial purchase, you may extend your coverage up to a maximum of 364 days. So long as your coverage is continuous, your deductible, coinsurance and benefit limits will not reset. After your initial term, you can purchase a new policy if you decide to continue to travel abroad.
Extensions must be made online in WorldTrips' Client Zone. Payment must be made by credit card.
If you are a U.S. citizen traveling abroad for twelve months or less, or a non-U.S. citizen traveling to a country other than the United States, you should purchase Atlas International Insurance. The Atlas International plan provides coverage and travel benefits for travelers traveling abroad but not visiting the USA.
If you are a non-U.S. citizen traveling to the United States (including Puerto Rico and the U.S. Virgin Islands) for twelve months or less, you should purchase Atlas America Insurance. For any visitor to the USA, Atlas America provides comprehensive travel insurance and emergency medical benefits. Your travel can also include additional countries and you will be covered worldwide.
Start by Requesting a Quote to get coverage and pricing for your plan.
New countries can be added to your Atlas Travel Insurance plan via WorldTrips' Client Zone. A new visa letter can be printed listing the various countries. However, it is not required that you list every country that you may visit during your trip. You should list the countries where you will travel to as primary destinations in your initial application.
Please note: The Atlas International plan will provide worldwide coverage and benefits for travel to all countries worldwide except for travel to the USA. If you are traveling to the USA, you should purchase the Atlas America plan, which includes coverage and benefits in the USA.
Start by Requesting a Quote to get coverage and pricing for your plan.
The Atlas Group plan is available for small or large groups traveling abroad for 5 days to a year. The group plan is available to employer groups, non-profit organizations, students, and others. The coverage and benefits are the same.
There is an easy-to-use online quote tool (link below). Once you find the level of coverage desired, you can move forward to purchase coverage. You will be asked for details on each applicant, including their date of birth along with other details.
Are you ready to purchase an Atlas Travel plan?
Click to get a free quote and apply and buy online today!
