Visitors to the USA
Atlas America
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
Atlas America (A.M. Best Rating: A) is a comprehensive travel medical insurance plan for visitors seeking dependable medical coverage while traveling in the United States. Comprehensive medical benefits, emergency travel assistance, and acute onset coverage of pre-existing conditions for eligible travelers make it one of the most popular choices for vacations, family visits, and business travel. Coverage is available from 5 days to 365 days.
While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 100% of eligible medical expenses, up to the selected policy maximum.
Atlas America does not cover pre-existing conditions. Atlas America includes acute onset coverage of pre-existing conditions up to the policy maximum for travelers under age 80.
Review the Atlas America policy documents for complete coverage details, exclusions, and limitations.
While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 100% of eligible medical expenses, up to the selected policy maximum.
Atlas America does not cover pre-existing conditions. Atlas America includes acute onset coverage of pre-existing conditions up to the policy maximum for travelers under age 80.
Review the Atlas America policy documents for complete coverage details, exclusions, and limitations.
Learn more about 3 optional add-on benefits available on this plan.
How Atlas America Works
After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
Out of Network
100%
After deductible, 100% up to policy maximum
PPO Network for Atlas America
Inside the USA
The PPO provider for Atlas America Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.
When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. Atlas America policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.
Outside the USA
There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can view the international list of providers for WorldTrips.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
$200 copay, 100% up to Policy Maximum
Hospitalization
100% up to policy maximum
Urgent Care
$15 copay, URC up to Policy Maximum
Prescription Rx - Medicine
100% up to policy maximum
Acute Onset of Pre-Existing Conditions
Up to policy maximum: Age 79 and below
PPO Network
Medical Evacuation
Up to $1000000
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Lab & X-Rays
100% up to policy maximum
Emergency Room
$200 copay, 100% up to Policy Maximum
Acute Onset of Pre-Existing Conditions
Up to policy maximum: Age 79 and below
Hospitalization
100% up to policy maximum
PPO Network
Urgent Care
$15 copay, URC up to Policy Maximum
Medical Evacuation
Up to $1000000
Prescription Rx - Medicine
100% up to policy maximum
Lab & X-Rays
100% up to policy maximum
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.
Eligibility for Atlas America
- For non U.S residents and non U.S citizens traveling to the U.S
- For ages 14 days to 99 years
- Coverage for minimum 5 days to maximum up to 365 days in a policy period
- Extendable for up to 365 days
- Eligible for Student Visa holders who do not have specific health insurance requirements to meet.
- Plan can be purchased after arrival at the destination
- Residents & Citizens of UK may purchase coverage for a maximum of 119 days
Medical Coverage
Medical coverage details.
Eligible Medical Expenses
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
100% up to policy maximum
Available Policy Maximums
Available Policy Maximums
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
Limits may vary based on age or destination of traveler
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
Pre-Existing Conditions
Pre-Existing Conditions
Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:
Please review your policy document for any other limits or exclusions.
Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition , or ailment that, with reasonable medical certainty , existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, related, or disclosed to us prior to the effective date , and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Up to the policy maximum: Age 79 and below
An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met: a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; c) You must be under eighty (80) years of age; d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; f) You must be traveling outside your home country
An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met: a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; c) You must be under eighty (80) years of age; d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; f) You must be traveling outside your home country
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
100% up to policy maximum
Dr. / Physician Visit
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
100% up to policy maximum
Urgent Care
In-Network
In-Network
$15 copay, URC up to Policy Maximum
Out-Network
Out-Network
$15 copay, URC up to Policy Maximum
Surgical Treatment
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
100% up to policy maximum
Lab & X-rays
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
100% up to policy maximum
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
In-Network
In-Network
Average semi-private room and rate
Out-Network
Out-Network
Average semi-private room and rate
Dr. / Physician Visit
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
100% up to policy maximum
Surgical Treatment
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
100% up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
In-Network
In-Network
URC up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Emergency Room
In-Network
In-Network
$200 copay, 100% up to Policy Maximum
Out-Network
Out-Network
$200 copay, 100% up to Policy Maximum
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
Dental Emergency
Dental Emergency
Up to $300 for emergency dental accident and acute onset of pain
Travel Coverage
Travel-related coverage
US Border Entry Protection
US Border Entry Protection
One way ticket and/or common carrier change fees up to $500
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $1,000,000
Return of Mortal Remains
Return of Mortal Remains
100% up to policy maximum
Trip Interruption
Trip Interruption
Up to $10,000
Trip Delay
Trip Delay
Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.
Lost Luggage
Lost Luggage
Up to $1,000
Terrorism
Terrorism
100% upto Policy Maximum
Personal Liability
Personal Liability
Up to $25,000
Identity Theft
Identity Theft
Not covered
Legal Fees
Legal Fees
Not covered
Lost or Stolen Passport
Lost or Stolen Passport
Up to $100
Missed Connection
Missed Connection
Not covered
Other
Other types of coverage not mentioned above.
Doctor Wellness Visit
Doctor Wellness Visit
Not covered
Preferred Rates
Preferred Rates
Not covered
Optional add-on benefits
More coverage options available for extra protection.
Accidental Death and Dismemberment Coverage
Accidental Death and Dismemberment Coverage
This rider, available to Members age 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. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
| Base AD&D Coverage | Additional AD&D Coverage Available | Total AD&D Coverage Amount |
|---|---|---|
| $25,000 | $25,000 | $50,000 |
Crisis Response Benefit Rider
Crisis Response Benefit Rider
This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
| Base CR Coverage | Additional CR Coverage Available | Total CR Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Personal Liability Benefit Rider
Personal Liability Benefit Rider
This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.
| Base PL Coverage | Additional PL Coverage Available | Total PL Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Atlas America Exclusions
What is not covered
Manage Your Policy Online
Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.
Sign in to your accountHelpful Links
Claims Contact Information
Send Claim Form to:
WorldTrips Claims Department
PO Box 240358, Apple Valley
MN 55124, USA
PO Box 240358, Apple Valley
MN 55124, USA
1-800-605-2282
1-317-262-2132
service@worldtrips.com
Administrator Contacts:
800-605-2282
service@worldtrips.com
Claims Form(s):
Non US-citizens and Non-US residents traveling to the U.S can purchase Atlas America.
Pre-existing conditions are not covered by Atlas America plan. However, the Atlas America plan covers up to the policy maximum for acute onset of pre-existing conditions in people up to 79 years of age. An acute onset of a pre-existing condition is defined as: A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset.
A pre-existing condition is defined as an Injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the certificate effective date. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.
An acute onset is a sudden unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration. It has to be an acute medical condition that requires immediate medical attention.
The acute onset of a pre-existing must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset. More conditions and restrictions apply. Please check the Atlas America Description of Coverage to understand what is covered as an acute onset of pre-existing condition.
You can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses. However, if you choose to go to a provider within the United Healthcare PPO network for Atlas America, benefit prices may be negotiated.
You can search for doctors and hospitals in this Provider Directory.
The Personal Liability Benefit allows a policyholder to purchase an additional $90,000 in Personal Liability coverage. The rider must be purchased at the time of application. As Atlas America provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.
Please refer to the following article concerning the claim process for Atlas America: Visitor Insurance Claim Process
The cost of Atlas America varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, selected coverage benefit limits, and the selection of additional riders.
Please refer to the following article about the policy usage for Atlas America: How to use Visitor Insurance?
Each insurance company may have state-specific regulations that determine where certain plans can be sold. These restrictions only affect residents of those particular states who are purchasing coverage. However, if you purchase an Atlas America plan and are traveling in the United States, you will have coverage in all 50 states during your active policy period, subject to the policy's terms, conditions, and exclusions.
Yes, the Atlas America plan is extendable. It is recommended to extend the plan at least two days before the policy expires. There is a $5 extension fee added to the premium for the additional days of coverage. The policy can be extended for a minimum of 5 days up to a maximum of 365 days.
Yes, you can cancel and get a refund for the Atlas America plan, if you need to go back earlier than planned. The following rules apply:
You cannot remove one person from the Atlas America policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
In order to complete the Atlas America application, you will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.
An email confirmation will be sent after purchase. The email will include links and instructions on how to access and print out your Atlas America ID card.
Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage under Atlas America will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
Atlas America covers eligible COVID-19 treatment and related medical services if the illness is contracted after the policy effective date. However, COVID-19 vaccines, boosters, and other preventive care services are not covered. COVID-19 testing is covered only when medically necessary, ordered by an attending physician for diagnostic purposes due to symptoms; tests required for travel are excluded. The plan also does not include a quarantine benefit, so please refer to your policy documents for complete details, limitations, and exclusions.
For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Yes, you may purchase Atlas America even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy’s effective start date.
Atlas America application requires payment in full in order for coverage to begin. There is no monthly payment options. However, you can choose to renew your coverage monthly. There is a $5 extension fee applied for each extension done.
Coverage will begin on the date selected and once the policyholder has left their home country. Atlas America will only cover for conditions that occur after the policy effective date.
Only the primary destination in the Atlas America application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Coverage under the Atlas America plan begins on the selected effective date at 12:01 a.m. EST, provided the traveler has departed their home country. Coverage is available while traveling outside the home country and outside any restricted territories, as long as the policy remains active. Coverage ends on the earliest of the following: Immediately upon the traveler's return to their home country, or 11:59 p.m. EST on the policy's expiration date.
Yes, Atlas America provides coverage to non-U.S. citizens regardless of visa status, as long as the applicant is a non-U.S. resident. To be eligible, the applicant must provide a residence address outside of the U.S.
No, your Atlas America plan won't be extended or renewed automatically. To continue coverage, you must log in to your online account and submit an extension or renewal request before the policy expires.
The Atlas America plan does not offer a quarantine benefit. Please review the policy documents for limits and exclusions.
If your school or educational program does not any have specific health insurance requirements to meet, Atlas America can offer short-term health insurance coverage while you are abroad. It is important to confirm with the school or educational program to ensure that any short-term health insurance plan will be accepted by them.
The insurance provider recommends that you submit any correction requests in writing as your Atlas America policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
Atlas America's Accidental Death & Dismemberment rider is available for policyholders between the ages of 18 to 69 and must be purchased at the time of application. The rider increases the base amount of AD&D coverage in a policy. The AD&D benefit is not subject to the overall policy maximum. AD&D coverage provides benefits in the event of your death or loss of limb due to an accident. As Atlas America provides $25,000 in AD&D coverage to Members aged 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
PLEASE NOTE: It does not cover certain activities and conditions, as listed in the policy. Please review policy documents for limits and restrictions.
Atlas America's Crisis Response Rider allows a policyholder to purchase an additional $90,000 in Crisis Response coverage and must be purchased at the time of application. As Atlas America provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
Atlas America is Administrated by WorldTrips. Visit WorldTrips's plan provider page for more information.
If your original payment method for Atlas America is invalid, please contact the insurance administrator directly at 800-605-2282 to update/edit your account details for a smooth refund process during cancellation.
Learn more from informative articles at Visitor Insurance Information section.
Have specific questions about this plan?
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Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Accidental Death and Dismemberment Coverage
This rider, available to Members age 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. As Atlas Travel provides $25,000 in AD&D coverage to Members age 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day.
| Base AD&D Coverage | Additional AD&D Coverage Available | Total AD&D Coverage Amount |
|---|---|---|
| $25,000 | $25,000 | $50,000 |
Crisis Response Benefit Rider
This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.
| Base CR Coverage | Additional CR Coverage Available | Total CR Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Personal Liability Benefit Rider
This rider allows you to purchase an additional $90,000 in Personal Liability coverage. As Atlas Travel provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day.
| Base PL Coverage | Additional PL Coverage Available | Total PL Coverage Amount |
|---|---|---|
| $10,000 | $90,000 | $100,000 |
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
