Worldwide
Atlas International
Comprehensive Coverage,
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for:
Atlas International is an A rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for a traveler's temporary stay outside of their home country. The coverage duration is available from 5 days to 365 days. After the deductible is satisfied, the plan will pay 100% of eligible medical expenses up to the policy maximum. Learn more about how Atlas International works.
Atlas International can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Atlas International does not cover Pre-Existing medical conditions. Please review Atlas International policy documents for complete coverage and exclusions.
Learn more about 3 optional add-on benefits available on this plan.
How Atlas International Works
100%
Out of Network
After deductible, 100% up to policy maximum See How Atlas International Works.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
Not Available
Emergency Dental Coverage
Up to $300
Physician Visits
Included
Prescription
100% up to policy maximum
Pre-Existing Condition
No Coverage
Medical Evacuation
Up to $1000000
Hospitalization
Not Available
Mental or Nervous Disorder
Included
Emergency Room
Not Available
Pre-Existing Condition
No Coverage
Emergency Dental Coverage
Up to $300
Medical Evacuation
Up to $1000000
Physician Visits
Included
Hospitalization
Not Available
Prescription
100% up to policy maximum
Mental or Nervous Disorder
Included
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.
Eligibility
- 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% 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
Out-Network
100% up to policy maximum
Urgent Care
Out-Network
$15 copay, 100% up to Policy Maximum
Surgical Treatment
Out-Network
100% up to policy maximum
Lab & X-rays
Out-Network
100% 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% up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
Out-Network
URC up to policy maximum
Emergency Room
Out-Network
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 per day after 12 hour delay period requiring an unplanned overnight stay. 2 days maximum.
Lost Luggage
Lost Luggage
Upto $1,000
Terrorism
Terrorism
Upto $50,000
Personal Liability
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
$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
Identity Theft
Identity Theft
Not covered
Legal Fees
Legal Fees
Not covered
Lost or Stolen Passport
Lost or Stolen Passport
Upto $100
Missed Connection
Missed Connection
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 |
COVID-19 Benefits
Covid-19 related benefits and coverage
COVID-19 Medical Coverage
COVID-19 Medical Coverage
This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
COVID-19 Testing
COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date
COVID-19 Vaccine/Booster
COVID-19 Vaccine/Booster
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 International Exclusions
What is not covered
Atlas International FAQs
All questions are answered by our Licensed Travel Insurance Consultants.
The Atlas International plan is available for:
Pre-existing conditions are not covered by Atlas International 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. 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. More conditions and restrictions apply. Please check the Atlas International Description of Coverage to understand what is covered under acute onset of pre-existing condition.
With Atlas International, you can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses.
Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the Atlas 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.
Please refer to the following article concerning the Atlas International claim process:
Visitor Insurance Claim Process
The cost of Atlas International varies based on several qualifying criteria, such as traveler’s age, duration or length of trip, selected coverage benefit limits, and the addition of additional coverage options (riders). Typically, Atlas International can cost about $3 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 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 International policy period.
Yes, you can extend the Atlas International policy. There is a $5 extension fee added to the premium for the additional days of coverage. It is recommended to extend the plan at least two days before the policy expires. 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 International plan, if you need to go back earlier than planned. The following rules apply:
You cannot remove one person from the 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 Atlas International policy terms.
In order to apply for Atlas 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 International ID card.
Atlas 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, you have to make the full payment at once.
Since the Atlas International 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.
Coverage will begin on the date selected and once the policyholder has left their home country. The Atlas 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 International policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Coverage on the Atlas 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.
Yes, Atlas International provides coverage to US and Non-US citizens regardless of visa status, traveling outside their home country and country of citizenship.
No, your Atlas 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.
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 International application before completing the purchase to prevent any errors and corrections.
The Atlas International 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 International 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.
The Atlas International 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 International 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.
The Atlas International 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 International 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 International is Administrated by WorldTrips. Visit WorldTrips's plan provider page for more information.
If your Atlas 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 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
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How COVID-19 is Covered Under Atlas International
COVID-19 Medical Expenses
Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.
COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.
COVID-19 Vaccination/Booster
COVID-19 vaccination/booster is not covered under the policy.
Quarantine Benefit
No Coverage
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Similar Plans
Atlas Essential International
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for:
Worldwide
100% URC up to policy maximum.
Direct Billing:Depends on provider. No PPO network.
100% URC up to policy maximum.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, plan pays 100% of the URC of eligible medical expenses up to the policy maximum
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- No optional add-on benefits available
- Pre-Existing Conditions: No Coverage
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.
Atlas International Premium
Comprehensive Coverage
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for:
Worldwide
Direct Billing:Depends on provider. No PPO network.
Direct Billing:Depends on provider. No PPO network.
- After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam
- Emergency Dental Coverage
- Prescriptions/Medication
- Quarantine Indemnity
- Trip Interruption
- Trip Delay
- Lost Checked Luggage
- COVID-19 Coverage: Included
- No optional add-on benefits available
- Pre-Existing Conditions: No Coverage
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.
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.
