Visitors to the USA
Atlas Essential America
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
Atlas Essential (A.M. Best Rating: A) is a comprehensive travel medical insurance plan that provides affordable medical coverage for visitors traveling to the United States. It combines flexible deductible options, emergency medical benefits, travel assistance, and access to the UnitedHealthcare PPO network, making it an excellent value for family visits, vacations, and temporary stays. 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 70% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay URC of eligible medical expenses, up to the selected policy maximum.
Atlas Essential does not cover pre-existing conditions.
Review the Atlas Essential 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 70% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay URC of eligible medical expenses, up to the selected policy maximum.
Atlas Essential does not cover pre-existing conditions.
Review the Atlas Essential policy documents for complete coverage details, exclusions, and limitations.
How Atlas Essential America Works
After the deductible, plan pays 70% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays URC of eligible medical expenses up to the policy maximum
PPO Network for Atlas Essential America
Inside the USA
The PPO provider for Atlas Essential 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 Essential 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, 70% up to Policy Maximum
Hospitalization
Average semi-private room and rate
Urgent Care
$15 copay, 70% up to Policy Maximum
Prescription Rx - Medicine
URC up to policy maximum
Acute Onset of Pre-Existing Conditions
No Coverage
PPO Network
Medical Evacuation
Up to $500000
.png)
Lab & X-Rays
URC up to policy maximum
Emergency Room
$200 copay, 70% up to Policy Maximum
Acute Onset of Pre-Existing Conditions
No Coverage
Hospitalization
Average semi-private room and rate
PPO Network
Urgent Care
$15 copay, 70% up to Policy Maximum
Medical Evacuation
Up to $500000
Prescription Rx - Medicine
URC up to policy maximum
Lab & X-Rays
URC 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 Essential 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
- 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
70% up to policy maximum
Out-Network
Out-Network
URC 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
Not covered
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
URC up to policy maximum
Dr. / Physician Visit
In-Network
In-Network
70% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Urgent Care
In-Network
In-Network
$15 copay, 70% up to Policy Maximum
Out-Network
Out-Network
$15 copay, URC up to Policy Maximum
Surgical Treatment
In-Network
In-Network
70% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Lab & X-rays
In-Network
In-Network
70% up to policy maximum
Out-Network
Out-Network
URC 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
70% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Surgical Treatment
In-Network
In-Network
70% up to policy maximum
Out-Network
Out-Network
URC 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, 70% up to Policy Maximum
Out-Network
Out-Network
$200 copay, URC 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
Not covered
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $500,000
Return of Mortal Remains
Return of Mortal Remains
Up to $25,000
Trip Interruption
Trip Interruption
Not covered
Trip Delay
Trip Delay
Not covered
Lost Luggage
Lost Luggage
Not covered
Terrorism
Terrorism
Up to $50,000
Personal Liability
Personal Liability
Not covered
Identity Theft
Identity Theft
Not covered
Legal Fees
Legal Fees
Not covered
Lost or Stolen Passport
Lost or Stolen Passport
Not covered
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 Essential 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):
Please refer to the following article concerning the Atlas Essential America claim process:
Visitor Insurance Claim Process
Non US-citizens and Non-US residents traveling to the U.S can purchase Atlas Essential America.
Pre-existing conditions and acute onset of pre-existing conditions are not covered by the Atlas Essential America plan. 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 a pre-existing condition.
The cost of Atlas Essential America 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 $3 a day for a person 50 years of age, when selecting coverage area or destination of travel as the USA.
With Atlas Essential America, you can go to any doctor or hospital of your choice and be covered 70% for eligible medical expenses. However, if you choose to go to a provider within the United Healthcare PPO network for Atlas Essential America, benefit prices may be negotiated.
You can search for doctors and hospitals in this Provider Directory.
Please refer to the following article about the Atlas Essential America 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 Essential America policy period.
Yes, you can extend the Atlas Essential America policy. 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 and up to a maximum of 365 days.
Yes, you can cancel and get a refund for the Atlas Essential America plan, if you need to go back earlier than planned. The following rules apply:
You cannot remove one person from the Atlas Essential 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 apply for Atlas Essential America, 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 Essential 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 Atlas Essential America 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 Essential America 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.
Payment in full is required in order for coverage to begin. There are no monthly payment options.
You can choose to renew your Atlas Essential America 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. The Atlas Essential America policy will only cover for conditions that occur after the policy effective date.
Only the primary destination in the application will be listed on the Atlas Essential America policy documents, but rest assured that all other eligible input countries will be covered during the active policy period.
Coverage on the Atlas Essential America 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 Essential America 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, Atlas Essential 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.
Yes, Atlas Essential 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.
Atlas Essential America is Administrated by WorldTrips. Visit WorldTrips's plan provider page for more information.
The insurance provider recommends that you submit any 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 Atlas Essential America application before completing the purchase to prevent any errors and corrections.
If the insurance company becomes insolvent and is not able to pay out a liability claim on the Atlas Essential America policy, the State of California will not be liable for the claims.
If your original Atlas Essential America 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.
Learn more from informative articles at Visitor Insurance Information section.
Have specific questions about this plan?
AI Assistant Atlas Essential AmericaAI assistant can help you find specific terms and details in the policy document.
Need more assistance?
Chat with LunaOur smart travel assistant, Luna, is ready to assist you 24/7. Get instant answers to your questions.
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.
