Worldwide
Atlas International Premium
Comprehensive Coverage,
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company
Best for:
Atlas International Premium 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 Premium can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Atlas International Premium does not cover Pre-Existing medical conditions. Please review Atlas International Premium policy documents for complete coverage and exclusions.
No optional add-on benefits on this plan.
How Atlas International Premium Works
100%
Out of Network
After deductible, 100% up to policy maximum See How Atlas International Premium Works.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
100% up to policy maximum
Hospitalization
Average semi-private room and rate
Urgent Care
$15 copay, 100% up to Policy Maximum
Prescription
100% up to policy maximum
Acute Onset of Pre-Existing Conditions
Up to policy maximum: Age 79 and below
Schengen Visa Requirement
Yes
Medical Evacuation
Up to $1000000
3.svg){kind=icon}
Lab & X-Rays
100% up to policy maximum
Emergency Room
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
Schengen Visa Requirement
Yes
Urgent Care
$15 copay, 100% up to Policy Maximum
Medical Evacuation
Up to $1000000
Prescription
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 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
- Optional add-on benefits No Optional add-on benefits
- Extend Online
- Cancellation & Refund Info
- How This Plan Works?
- Claim Information
- PPO Network
- What is Not Covered (Exclusions)
- Plan Brochure
- Sample Description of Coverage
- Insurance Product Information Document
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 $15,000
Trip Delay
Trip Delay
Up to $200 per day after 12 hour delay period requiring an unplanned overnight stay. 2 days maximum.
Lost Luggage
Lost Luggage
Upto $2,000
Terrorism
Terrorism
Upto $50,000
Personal Liability
Personal Liability
Up to:
$100,000 lifetime maximum
$100,000 third person injury
$100,000 third person property
$2,500 related third person property
Not subject to deductible or overall maximum limit
$100,000 lifetime maximum
$100,000 third person injury
$100,000 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
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
COVID-19 Quarantine Coverage
COVID-19 Quarantine Coverage
A quarantine indemnity benefit of up to $50/day for 10 days.
Other
Other types of coverage not mentioned above.
Doctor Wellness Visit
Doctor Wellness Visit
Not covered
Preferred Rates
Preferred Rates
Not covered
Atlas International Premium Exclusions
What is not covered
Atlas International Premium FAQs
All questions are answered by our Licensed Travel Insurance Consultants.
Please refer to the following article concerning the Atlas International Premium claim process:
Visitor Insurance Claim Process
The Atlas International 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 International Premium plan. However, the Atlas International Premium plan covers up to the policy maximum for acute onset of pre-existing conditions in people up to age 79. It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.
The cost of Atlas International Premium varies based on several qualifying criteria, such as traveler’s age, duration or length of trip, and selected coverage benefit limits. Typically, Atlas International Premium can cost about $5 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 .
With Atlas International Premium, you can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses.
Please refer to the following article about the Atlas International 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 International Premium policy period.
Yes, you can extend Atlas International Premium. 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 International 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 the Atlas International 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 International 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 International Premium ID card from your confirmation e-mail and it will be used as proof of insurance.
Atlas International 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 International 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 this 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 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 policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Coverage on the travel medical insurance 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 International 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.
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 Premium Description of Coverage to understand what is covered under acute onset of pre-existing condition.
Yes, Atlas International Premium provides coverage to US and Non-US citizens regardless of visa status, traveling outside their home country and country of citizenship.
Atlas International Premium 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 International Premium application before completing the purchase to prevent any errors and corrections.
If your original Atlas International 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.
The Atlas International Premium 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.
Through 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.
Through 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.
Didn’t find what you are looking for?
Our smart travel assistant Luna is ready to assist you 24/7. She’ll answer your question instantly. Let’s Chat!
Send your question to one of our licensed agents. You’ll receive a response typically within 1 business day.
How COVID-19 is Covered Under Atlas International Premium
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
A quarantine indemnity benefit of up to $50/day for 10 days.
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
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 Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- Trip Interruption
- Trip Delay
- COVID-19 Coverage: Included
- 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.
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.
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.
