Visitors to the USA
Atlas America Premium
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
Atlas America Premium (A.M. Best Rating: A) is a premium travel medical insurance plan for international visitors traveling to the United States. It offers comprehensive medical coverage, access to the UnitedHealthcare PPO network, emergency travel assistance, and acute onset coverage of pre-existing conditions for eligible travelers. 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 Premium does not cover pre-existing conditions. Atlas America Premium includes acute onset coverage of pre-existing conditions up to the policy maximum for travelers under age 80.
Review the Atlas America Premium 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 Premium does not cover pre-existing conditions. Atlas America Premium includes acute onset coverage of pre-existing conditions up to the policy maximum for travelers under age 80.
Review the Atlas America Premium policy documents for complete coverage details, exclusions, and limitations.
How Atlas America Premium 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 Premium
Inside the USA
The PPO provider for Atlas America Premium 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 Premium 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
Average semi-private room and rate
Urgent Care
$15 copay, 100% 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
Average semi-private room and rate
PPO Network
Urgent Care
$15 copay, 100% 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 Premium
- 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
- 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.
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Up to policy maximum: Age 79 and below
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, 100% up to Policy Maximum
Out-Network
Out-Network
$15 copay, 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
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 $15,000
Trip Delay
Trip Delay
Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay. 2 days maximum
Lost Luggage
Lost Luggage
Up to $2,000
Terrorism
Terrorism
Up to $50,000
Personal Liability
Personal Liability
Up to $100,000
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
Atlas America Premium 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):
Please refer to the following article concerning the Atlas America Premium claim process: Visitor Insurance Claim Process
The Atlas America Premium plan is available for: US and Non-US citizens traveling outside their home country and country of citizenship.
Pre-existing conditions are not covered by Atlas America Premium plan. However, the 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.
Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.
The cost of Atlas America Premium varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, and selected coverage benefit limits. Typically, it can cost about $7 a day for a person 50 years of age, when selecting coverage area or destination of travel as the USA.
You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for the Atlas America Premium plan, which is the United Healthcare Network.
You can search for doctors or hospitals in this Provider Directory.
Please refer to the following article about the Atlas America Premium policy usage: How to use Visitor Insurance?
Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active Atlas America Premium policy period.
Yes, you can extend the Atlas America Premium policy. You would need to extend the plan at least two days before the policy expires. There would be an extra $5 extension charge. The policy can be extended for a minimum of 5 days and up to a maximum of 365 days.
Yes, you can cancel and get a refund for the Atlas America Premium plan if you need to go back earlier than planned. The following rules apply:
- Written request is required for any cancellation.
- You can get a refund back, only if no claim has been filed.
- If you cancel before the start date, you would get the full refund back.
- If you cancel after the policy start date, you can get a pro-rated refund for the number of days left in the policy. Please note, there is a 5-day minimum purchase at the onset, and if the policy is cancelled after the effective date the policy must retain a minimum of 5-days.
- $25 cancellation fee applies.
- If there is any claim on file, you would not get any refund back.
You cannot remove one person from your Atlas America Premium 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 apply for Atlas America Premium you will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.
You can print out your Atlas America Premium ID card from your confirmation e-mail and it will be used as proof of insurance.
Atlas America Premium will provide coverage in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage 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 Premium can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Based on the desired coverage length you have selected, you have to make the full payment at once.
Since the Atlas America Premium plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal.
Only the primary destination in the application will be listed on the Atlas America Premium policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Yes, you may purchase the Atlas America Premium policy even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy's effective start date.
Coverage on the Atlas America Premium plan will begin on the date of departure (12:01am EST) and once the traveler has left their home country. Coverage areas are anywhere outside one's home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 11:59pm EST on the last date of coverage.
No, your Atlas America Premium plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.
If your school or educational program does not any have specific health insurance requirements to meet, this Atlas America Premium 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.
Yes, Atlas America Premium 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.
Atlas America Premium is Administrated by WorldTrips. Visit WorldTrips's plan provider page for more information.
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. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset. Please check the Atlas America Premium Description of Coverage to understand the terms and conditions for acute onset of pre-existing condition.
The insurance provider recommends that you submit any Atlas America Premium correction requests in writing as your 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.
If your original Atlas America Premium payment method 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.
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.
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.
