Atlas America is a comprehensive visitor medical insurance plan designed for non-U.S. citizens traveling outside their home country, including the United States. It covers unexpected medical expenses, emergency medical evacuation, and other travel-related incidents.
Atlas America
Atlas America
Atlas America is a visitor’s health insurance plan designed for non-U.S. citizens and non-U.S. residents traveling outside their home country with travel plans that include the United States. It provides comprehensive coverage and is suitable for parents visiting their children in the USA, temporary workers, business visitors, tourists, leisure travelers, international students, and exchange program participants. The plan can be purchased online for durations ranging from 5 days to 364 days, with a minimum eligibility age of 14 days. It offers policy maximums from $50,000 to $2,000,000 and deductible options from $0 to $5,000, allowing travelers to customize coverage based on their needs.
Atlas America covers 100% of eligible expenses after the deductible up to the selected policy maximum, both within the U.S. and during international travel. The plan offers flexibility in coverage duration, deductibles, and maximum limits, along with instant quotes and easy online purchase options. It also participates in the United Healthcare PPO network, providing access to a large network of doctors, hospitals, and healthcare providers across the United States. Additionally, the plan meets the insurance requirements for J-1 visa holders participating in work-and-study exchange programs.
The plan includes a wide range of benefits such as coverage for medical expenses, emergency medical evacuation, and other travel-related benefits. COVID-19 is covered like any other eligible illness occurring after the policy effective date. Travelers can also enhance coverage by increasing key benefits at the time of purchase and may add optional device protection of up to $2,000 for smartphones, tablets, and laptops. Atlas America also provides coverage for the acute onset of pre-existing conditions for individuals under 80 years of age. The plan is underwritten by Lloyd’s of London (rated A “Excellent” by A.M. Best) and administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group).
Key Highlights
- Coinsurance 100% of eligible expenses, after the deductible up to the overall maximum limit
- Emergency Medical Evacuation Up to $1,000,000
- Emergency Reunion Up to $1,000,000
- Political Evacuation Up to $100,000
- Return of Minor Children up to $50,000
- Trip Interruption up to $10,000
- Local Burial or Cremation up to $5,000
- Lost Checked Luggage up to $1,000
- Border Entry Protection up to $500
- Emergency travel benefits including AD&D
- Urgent Care, Emergency Dental Coverage, Emergency Eye Exam, Emergency Room Service, Common Carrier Accidental Death
- Supplemental travel benefits including Trip interruption and Travel delay
- COVID-19 coverage included
- Utilizes the United Healthcare PPO Network
- Optional Device protection coverage
- Optional AD&D Rider, Personal Liability Rider, Crisis Response Benefit Rider
Note:
Please review Atlas America policy documents for complete coverage and exclusions.
Best Suitable Plan For
Plan Details
| Insurance Provider | WorldTrips |
| Plan Underwriter | Lloyd's of London |
| Plan Category | Travel Medical Insurance |
| Plan Type | Comprehensive Coverage |
| PPO Network | United healthcare PPO |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| 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 |
| Prescription Drugs / Medicines | 100% up to policy maximum |
| Lab & X-rays | In-Network 100% up to policy maximum Out-Network 100% up to policy maximum |
| Physical Therapy | $50 per visit for outpatient Physical Therapy or Chiropractic Care. Co-insurance is waived. |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | In-Network Average semi-private room and rate Out-Network Average semi-private room and rate |
| Surgical Treatment | In-Network 100% up to policy maximum Out-Network 100% up to policy maximum |
| Hospital Intensive Care Unit | After deductible, plan pays 100% up to policy maximum. |
| Dr. / Physician Visit | In-Network 100% up to policy maximum Out-Network 100% up to policy maximum |
Emergency Services
Hospital emergency services (certain limits may apply).
| 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 Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
| Acute, spontaneous and unexpected pain | Up to $300 for emergency dental accidents and acute onset of pain. |
| Accidental emergency | After deductible, plan pays 100% up to policy maximum. |
| Dental Emergency | Up to $300 for emergency dental accident and acute onset of pain |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | Up to $1,000,000 |
| Return of mortal remains | Up to the overall maximum limit – not subject to deductible or coinsurance |
| Emergency Reunion | Up to $50,000, subject to a maximum of 15 days – not subject to deductible or coinsurance |
| Return of minor child(ren) | Benefit upto $50,000. The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence of each covered child. |
| Trip Interruption | Up to $10,000 |
| Loss of checked baggage | Up to $1,000 |
| US Border Entry Protection | One way ticket and/or common carrier change fees up to $550 |
| Return of Mortal Remains | 100% up to policy maximum |
| Trip Delay | Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. |
| Lost Luggage | Up to $1,000 |
| Terrorism | 100% upto Policy Maximum |
| Personal Liability | Up to $25,000 |
| Identity Theft | No coverage |
| Legal Fees | No coverage |
| Lost or Stolen Passport | Up to $100 |
| Missed Connection | No coverage |
Life Coverage
Life coverage
| AD&D | Up to Age 69: Up to $25,000 Age 70-74: Up to $12,500 Age 75 and older: Up to $ 6,250 Age under 18: Up to $5,000 (subject to a maximum of $250,000 any one family or group) Optional Riders Available (see policy brochure for details) |
| Common Carrier Accidental Death | Up to Age 69: Up to $50,000 Age 70-74: Up to $25,500 Age 75 and older: Up to $ 12,500 Age under 18: Up to $10,000 (Subject to a maximum of $250,000 any one family or group) |
Support
Support
| 24-Hrs Emergency Assistance | Yes. Contact Number and details can be found on the ID card. |
Other
Other types of coverage not mentioned above.
| COVID-19 Coverage | This plan covers COVID-19 like any other covered medical condition. 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. |
| Pre-Existing Conditions | Under age 80 , you are covered for acute onset of a pre-existing condition up to the selected medical maximum (excludes chronic and congenital conditions). And for Emergency Medical Evacuation coverage is up to $25,000. An acute onset of a pre-existing condition is 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. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. |
| Maternity | Not covered |
| General Physical full Checkup | Not covered |
| Terrorism Coverage | Up to $50,000 |
| Brochure | Atlas America Insurance Brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network 100% up to policy maximum Out-Network 100% up to policy maximum |
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of 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: Pre-Existing Diabetes: Not Covered Pre-Existing Hypertension: Not Covered Pre-Existing Heart Conditions: Not Covered Please review your policy document for any other limits or exclusions. Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition , or ailment that, with reasonable medical certainty , existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, related, or disclosed to us prior to the effective date , and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
| Acute onset Pre-Existing Condition | Up to the 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 |
COVID-19 Benefits
Covid-19 related benefits and 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 | 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 | No Coverage |
| COVID-19 Quarantine Coverage | No Coverage |
Atlas America FAQS
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What is Atlas America insurance?
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Who is eligible for Atlas America insurance?
Individuals aged 14 days and older who are traveling outside their home country are eligible. This includes tourists, business travelers, students, and visiting relatives.
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Does Atlas America cover COVID-19?
Yes, COVID-19 is treated as any other eligible illness under Atlas America plans.
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What is the minimum duration for purchasing Atlas America insurance?
You can purchase Atlas America insurance for a minimum duration of 5 days.
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Can I purchase insurance for my parents visiting the U.S.?
Yes, you can purchase insurance for your parents even if they are not yet in the U.S. by providing their travel details.
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Is a medical examination required to purchase Atlas America insurance?
No, there is no medical examination required to purchase the policy.
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What is a deductible in Atlas America insurance?
A deductible is the amount you pay out-of-pocket before your insurance coverage begins. Atlas America offers various deductible options, such as $0, $100, $250, $500, $1,000, $2,500, and $5,000.
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What is co-insurance?
Co-insurance is the percentage of covered medical expenses you are responsible for after meeting your deductible. For instance, with an 80/20 co-insurance, the insurance covers 80% of eligible expenses, and you pay the remaining 20%.
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Can I extend or renew my Atlas America insurance policy?
Yes, you can extend your Atlas America insurance policy online. Extensions are available up to a maximum of 364 days.
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Does Atlas America provide coverage in my home country?
Yes, Atlas America offers limited home country coverage. If you purchase the plan for at least 3 months and add the Incidental Home Country Rider, you are covered for medical expenses during one incidental trip to your home country for up to 15 days.
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How can I purchase Atlas America insurance?
You can purchase Atlas America insurance online through OnshoreKare
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How do I file a claim with Atlas America?
To file a claim, complete the Claimant's Statement and Authorization form and submit it along with supporting documents such as itemized bills and medical records. Claims can be submitted via the Member Portal or by contacting WorldTrips directly.