Atlas Group travel

Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company

Comprehensive A.M. Best Rating: A

Atlas Group Travel (A.M. Best Rating: A) is a comprehensive group travel medical insurance plan for families, organizations, and groups traveling outside their home country. It provides comprehensive medical coverage, emergency travel assistance, and flexible group enrollment for short- and long-term international travel. Coverage is available from 5 days to 12 months.

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% in eligible medical expenses, up to the selected policy maximum.

Atlas Group Travel does not cover pre-existing conditions. Atlas Group Travel includes acute onset coverage of pre-existing conditions up to the policy maximum for travelers under age 80.

Review the Atlas Group travel insurance policy documents for complete and accurate coverage and exclusions.

Plan Brochure Sample Description of Coverage

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How Atlas Group travel Works

After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum.

In Network

100%

After deductible, 100% up to policy maximum
See How Atlas Group travel Works.

Out of Network

100%

After deductible, 100% up to policy maximum

PPO Network for Atlas Group travel

Inside the USA

The PPO provider for Atlas Group travel 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 Group travel 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, URC 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

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, URC 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 Group travel

For U.S. and Non-U.S. citizens traveling internationally outside of your home country
Coverage for minimum 5 days to maximum up to 364 days in a policy period

Eligible Medical Expenses

In-Network

100% up to policy maximum

Out-Network

100% up to policy maximum

Pre-Existing Conditions

Not covered

Acute onset Pre-Existing Condition

Up to policy maximum: Age 79 and below

An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met: a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; c) You must be under eighty (80) years of age; d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; f) You must be traveling outside your home country

Prescription Drugs / Medicines

100% up to policy maximum

Dr. / Physician Visit

In-Network

100% up to policy maximum

Out-Network

100% up to policy maximum

Urgent Care

In-Network

$15 copay, URC up to Policy Maximum

Out-Network

$15 copay, URC up to Policy Maximum

Surgical Treatment

In-Network

100% up to policy maximum

Out-Network

100% up to policy maximum

Lab & X-rays

In-Network

100% up to policy maximum

Out-Network

100% up to policy maximum

Hospital Room and Board

In-Network

Average semi-private room and rate

Out-Network

Average semi-private room and rate

Dr. / Physician Visit

In-Network

100% up to policy maximum

Out-Network

100% up to policy maximum

Surgical Treatment

In-Network

100% up to policy maximum

Out-Network

100% up to policy maximum

Ambulance Expenses

In-Network

URC up to policy maximum

Out-Network

URC up to policy maximum

Emergency Room

In-Network

$200 copay, 100% up to Policy Maximum

Out-Network

$200 copay, 100% up to Policy Maximum

Dental Emergency

Up to $300 for emergency dental accident and acute onset of pain

Emergency Medical Evacuation / Repatriation

Up to $1,000,000

Return of Mortal Remains

100% up to policy maximum

Trip Interruption

Up to $10,000

Doctor Wellness Visit

Not covered

Preferred Rates

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.

Helpful Links

Claim Information

Claims Contact Information

Send Claim Form to:

WorldTrips Claims Department
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):

Download Insurance Claim Form

Atlas Group travel FAQs

All questions are answered by our Licensed Travel Insurance Consultants.

Groups of 5 or more travelers traveling outside of their home country can purchase Atlas Group America. The group must purchase the group policy together.

Pre-existing conditions are not covered by Atlas Group Plan. However, the Atlas Group 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.

You can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses. However, if you choose to go to a provider while in the U.S and within the United Healthcare PPO network for the Atlas Plan, benefit prices may be negotiated. You can search for U.S doctors and hospitals in this provider directory

Please refer to the following article concerning the claim process:Travel and Visitors Insurance Claims Process

Please refer to the following article about the policy usage:How to receve medical care in the America.

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 policy period.

Yes, if you buy the plan initially for more than 5 days, you can extend the 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 up to a maximum of 364 days.

Yes, you can cancel and get a refund for the Atlas Group plan, if you need to go back earlier than planned. The following rules apply: Written request is required for any cancellation. 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 prorated 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 canceled after the effective date the policy must retain a minimum of 5-days. A $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 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.

You will need names of the travelers, coverage duration, date(s) of birth, country of residence, citizenships, destination's, home country address, and a valid credit card.

An email confirmation will be sent after purchase to the main applicant or person who completed the application . The email will include links and instructions on how to access and print out your 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 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 Group 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.

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.

The Atlas Group plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

The Atlas Group plan does not offer a quarantine benefit. Please review the policy documents for limits and exclusions.

Atlas Group will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

Travelers on the Atlas Group plan do not need to be from the same country of residence.

Travelers on the Atlas Group plan do not need to be traveling to the same destination country.

Travelers on the Atlas Group plan do not need to have the same dates of coverage. The group travelers can travel at different times so long as the policy is active.

The group plan must maintain the 5 person minimum coverage at the time of the first travelers travel in order to be kept on a group plan. If the first traveler leaves and there are less than 5 people on the coverage, the insurance carrier has the ability to move the travelers onto individual plans.

Atlas Group is Administered 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, and is of short duration. It has to be an acute medical condition that requires immediate medical attention. The acute onset of a pre-existing condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered as an acute onset of pre-existing condition.

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 application before completing the purchase to prevent any errors and corrections.

Learn more from informative articles on theKnowledge Center.

If your 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.

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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.

Atlas Group travel

How Atlas Group travel Works

In Network

Out of Network

PPO Network for Atlas Group travel

Inside the USA

Outside the USA

Key Travel Medical Insurance Benefits

Eligibility for Atlas Group travel

Medical Coverage

Pre-existing Conditions

Out-Patient

In-Patient

Emergency Services

Dental Coverage

Travel Coverage

Other

Atlas Group travel Exclusions

Manage Plan, Support, and Claims Information

Manage Your Policy Online

Helpful Links

Claims Contact Information

Send Claim Form to:

Administrator Contacts:

Claims Form(s):

Atlas Group travel FAQs

Have specific questions about this plan?

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