Worldwide
Atlas Essential International
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
Atlas Essential International (A.M. Best Rating: A) is a comprehensive travel medical insurance plan for travelers seeking affordable medical coverage outside their home country. It provides coverage for eligible new illnesses and injuries, emergency travel assistance, and flexible policy options, making it a great choice for vacations, business travel, and extended international stays. Coverage is available from 5 days to 365 days.
Atlas Essential International does not participate in any PPO network. You can visit any doctor or hospital of your choice.
Atlas Essential International does not cover pre-existing conditions.
Review the Atlas Essential International policy documents for complete coverage details, exclusions, and limitations.
Atlas Essential International does not participate in any PPO network. You can visit any doctor or hospital of your choice.
Atlas Essential International does not cover pre-existing conditions.
Review the Atlas Essential International policy documents for complete coverage details, exclusions, and limitations.
How Atlas Essential International Works
Out of Network
100%
After deductible, 100% URC up to policy maximum See How Atlas Essential International Works.
PPO Network for Atlas Essential International
Inside the USA
The Atlas Essential International Insurance plan is an international plan that does not provide coverage in the U.S.
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
100% of URC, up to policy maximum
Hospitalization
Average semi-private room and rate
Urgent Care
$15 copay, 100% up to Policy Maximum
Prescription Rx - Medicine
URC up to policy maximum
Acute Onset of Pre-Existing Conditions
No Coverage
Schengen Visa Requirement
Yes
Medical Evacuation
Up to $500000
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Lab & X-Rays
100% of URC, up to policy maximum
Emergency Room
100% of URC, up to policy maximum
Acute Onset of Pre-Existing Conditions
No Coverage
Hospitalization
Average semi-private room and rate
Schengen Visa Requirement
Yes
Urgent Care
$15 copay, 100% up to Policy Maximum
Medical Evacuation
Up to $500000
Prescription Rx - Medicine
URC up to policy maximum
Lab & X-Rays
100% of 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 International
- For international travelers travelling anywhere outside their home country. No Coverage in USA
- 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
- If you are purchasing this plan for Schengen visa purposes, please select a zero dollar ($0) deductible
- 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
Out-Network
100% 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
Out-Network
100% of URC, up to policy maximum
Urgent Care
Out-Network
$15 copay, 100% up to Policy Maximum
Surgical Treatment
Out-Network
100% of URC, up to policy maximum
Lab & X-rays
Out-Network
100% of URC, up to policy maximum
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
Out-Network
Average semi-private room and rate
Dr. / Physician Visit
Out-Network
100% up to policy maximum
Surgical Treatment
Out-Network
100% of URC, up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
Out-Network
100% of URC, up to policy maximum
Emergency Room
Out-Network
100% of 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 International 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 International claim process:
Visitor Insurance Claim Process
The Atlas Essential International plan is available for:
You can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses with Atlas Essential International.
The cost of Atlas Essential International varies based on several qualifying criteria, such as traveler’s age, duration or length of trip, and selected coverage benefit limits. Typically, Atlas Essential International can cost about $2 a day for the duration of the trip for a person 50 years of age selecting International travel coverage area that does not include USA .
Please refer to the following article about the Atlas Essential International 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 International policy period.
Yes, you can extend the Atlas Essential International policy. It is recommended to extend the plan at least two days before the policy expires. There is be an $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 International, if you need to go back earlier than planned. The following rules apply:
You cannot remove one person from the Atlas Essential International 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 International, 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 International 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 International 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.
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.
Atlas Essential International 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, the full payment is due upfront.
Since the Atlas Essential International plan is renewable, you can renew it anytime you would like to before the policy expires. There is a $5 fee associated with the renewal.
Coverage will begin on the date selected and once the policyholder has left their home country. The policy will only cover for conditions that occur after the policy effective date.Coverage will begin on the date selected and once the policyholder has left their home country. The Atlas Essential International 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 International policy documents, but rest assured that all other eligible input countries will be covered during the active policy period.
Coverage on the Atlas Essential International 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 International 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.
Yes, Atlas Essential International provides coverage to US and Non-US citizens regardless of visa status, traveling outside their home country and country of citizenship.
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 International application before completing the purchase to prevent any errors and corrections.
Atlas Essential International is Administrated by WorldTrips. Visit WorldTrips's plan provider page for more information.
If your Atlas Essential International original 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.
The Atlas Essential International Air Doctor Benefit is a service that connects travelers with trusted medical professionals abroad, offering up to two cashless medical visits outside the U.S., if a $0 deductible option is selected upon checkout. Plans effective for more than six months are allocated three visits.
Using the Air Doctor platform, travelers can easily locate nearby doctors, book appointments, and choose between in-person or video consultations. Payments are handled directly, eliminating the need to pay upfront or file claims for reimbursement, making healthcare access abroad seamless and stress-free. This applies to policies purchased on or after January 15, 2025. Please review your plan's specific documents for any limits or exclusions.
Using the Air Doctor platform, travelers can easily locate nearby doctors, book appointments, and choose between in-person or video consultations. Payments are handled directly, eliminating the need to pay upfront or file claims for reimbursement, making healthcare access abroad seamless and stress-free. This applies to policies purchased on or after January 15, 2025. Please review your plan's specific documents for any limits or exclusions.
Learn more from informative articles at Visitor Insurance Information section.
Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information
Have specific questions about this plan?
AI Assistant Atlas Essential InternationalAI assistant can help you find specific terms and details in the policy document.
Need more assistance?
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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.
