Atlas America Premium is a high-end, comprehensive travel medical insurance plan designed for non-U.S. citizens visiting the United States. It offers extensive coverage for medical emergencies, including the acute onset of pre-existing conditions, emergency medical evacuation, and other essential benefits, ensuring travelers have robust protection during their stay.
Atlas America Premium
Atlas America Premium
Atlas America Premium is a comprehensive visitor medical insurance plan designed for international travelers visiting the United States. The plan provides extensive medical coverage and travel assistance benefits for individuals and families staying temporarily outside their home country. Coverage is available for periods ranging from 5 days up to 365 days, making it a flexible option for both short visits and extended stays in the U.S.
The plan offers a range of policy maximum options and deductible choices, allowing travelers to customize their coverage based on their needs and budget. After the deductible is met, Atlas America Premium covers eligible medical expenses up to the selected policy maximum. The plan also provides access to the United Healthcare PPO network, helping policyholders receive quality medical care from a large network of doctors and hospitals across the United States.
Atlas America Premium includes coverage for unexpected illnesses and injuries, emergency medical evacuation, and other travel-related benefits. COVID-19 is covered like any other eligible medical condition if contracted after the policy effective date. However, the plan does not provide coverage for pre-existing conditions. This plan is administered by WorldTrips and underwritten by Lloyd’s of London, one of the most established insurance markets in the world.
Key Highlights
- Offers coverage for Acute Onset of Pre-Existing Conditions
- Maximum limits available from $2,000,000 to $8,000,000
- 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 $150,000
- Political Evacuation up to $150,000
- Natural Disaster Evacuation up to $25,000
- Return of Minor Children up to $50,000
- COVID-19 covered same as any other eligible illness
- Telehealth, Travel Intelligence, Evacuation Plus benefits included
- Optional coverage available for Adventure Sports, AD&D, Device Protection and Trip Cancellation
Note:
Please review Atlas America Premium 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 |
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, 100% up to Policy Maximum Out-Network $15 copay, 100% 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 | After deductible, in-network: plan pays 100% up to policy maximum. Outside PPO Network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount. |
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, in-network: plan pays 100% up to policy maximum. Outside PPO Network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount. |
| Drug/Alcohol Abuse | Not Covered |
| 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, in-network: plan pays 100% up to policy maximum. Outside PPO Network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount. |
| 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 chosen policy maximum (not subject to deductible and co-insurance) |
| Emergency Reunion | $150,000 for maximum of 15 days |
| Return of minor child(ren) | $50,000 |
| Trip Interruption | Up to $15,000 |
| Loss of checked baggage | $1,000 |
| US Border Entry Protection | One way ticket and/or common carrier change fees up to $500 |
| Return of Mortal Remains | 100% up to policy maximum |
| Trip Delay | Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay. 2 days maximum |
| Lost Luggage | Up to $2,000 |
| Terrorism | Up to $50,000 |
| Personal Liability | Up to $100,000 |
| 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 | $250,000 maximum benefit for any one family or group Members under age 18: Lifetime maximum: $5,000 Death: $5,000 Loss of 2 limbs: $5,000 Loss of 1 limb: $2,500 Members age 18—69: Lifetime maximum: $100,000 Death: $100,000 Loss of 2 limbs: $100,000 Loss of 1 limb: $50,000 Members age 70—74: Lifetime maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Members age 75 and older: Lifetime maximum: $6,250 Death: $6,250 Loss of 2 limbs: $6,250 Loss of 1 limb: $3,125 Not subject to deductible, coinsurance, or overall maximum limit. |
| Common Carrier Accidental Death | Members under age 18: $25,000 Members age 18—69: $50,000 Members age 70—74: $12,500 Members age 75 and older: $6,250 Subject to a maximum of $250,000 any one family or group. Not subject to deductible, coinsurance, or overall maximum limit. |
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. |
| Cataract Surgery | Not Covered |
| Cancer | Not Covered |
| Cardiac | Not Covered |
| Mental Illness | Not Covered |
| Alzheimer's Desease | Not Covered |
| Hazardous Sports Coverage | Not Covered |
| Pre-Existing Conditions | If you are under age 80 , you are covered for an eligible 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. |
| Maternity | Not Covered |
| Brochure | Atlas America Premium 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. |
| Acute onset Pre-Existing Condition | Up to policy maximum: Age 79 and below |
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 | A quarantine indemnity benefit of up to $50/day for 10 days. |
Atlas America Premium FAQS
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What is Atlas Premium America insurance?
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Who is eligible for Atlas America Premium insurance?
This plan is available to non-U.S. citizens traveling to the United States. Coverage is available for individuals aged 14 days and older. Atlas Premium America is not available to U.S. residents.
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What are the coverage limits for Atlas Premium America insurance?
Atlas America Premium offers the following coverage options:
Policy Maximum: From $50,000 to $2,000,000, depending on the selected plan.Deductible Options: $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate/renewal period.
Coinsurance: The plan pays 100% of eligible expenses after the deductible, up to the policy maximum.
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Does Atlas America Premium insurance cover COVID-19?
Yes, Atlas Premium America covers medical expenses related to COVID-19 the same as any other illness, provided the illness occurs after the policy’s effective date.
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Does the plan cover pre-existing conditions?
Atlas America Premium offers coverage for the acute onset of pre-existing conditions up to the selected policy maximum for travelers under 80 years old. For travelers aged 80 and above, this benefit is not available.
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What additional benefits does Atlas America Premium offer?
In addition to standard medical coverage, Atlas America Premium includes:
Emergency Medical Evacuation: Up to $1,000,000 lifetime maximum.Repatriation of Remains: Up to elected overall maximum limit.
Trip Interruption: Up to $15,000 for covered reasons.
Lost Checked Baggage: Up to $2,000 per certificate period.
Political Evacuation: Up to $150,000 lifetime maximum.
Emergency Room Co-Payment: $200 per visit for illness (waived if admitted).
Urgent Care Center Co-Payment: $15 per visit (waived with $0 deductible).
Acute Onset of Pre-Existing Conditions: Coverage up to the policy maximum for travelers under 80 years old.
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How long can I purchase Atlas America Premium coverage for?
Coverage can be purchased for a minimum of 5 days up to a maximum of 364 days. The plan is renewable, allowing travelers to extend their coverage as needed.
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How do I file a claim with Atlas America Premium insurance?
To file a claim, complete the Atlas Premium America Claim Form and submit it along with supporting documents such as medical bills and receipts. Claims can be submitted online or via mail to the claims administrator. For detailed instructions and contact information, refer to the Atlas Premium America Claims Process.