Atlas Essential America is a budget-friendly travel medical insurance plan designed for non-U.S. citizens visiting the United States. It offers essential coverage for medical expenses, emergency medical evacuation, and other travel-related benefits during your stay in the U.S.
Atlas Essential America
Atlas Essential America
Atlas Essential America is a comprehensive budget-friendly travel medical insurance plan designed for non-U.S. citizens and non-U.S. residents traveling to the United States. The plan provides basic coverage benefits and features standard in most short-term international travel health insurance plans. Atlas Essential America is suitable for budget-conscious travelers seeking low-cost, affordable value with quoted premium rates. The plan is a good option for U.S. citizens and non-U.S. citizens traveling outside of their home countries for vacation, business, study abroad, and mission work. Atlas Essential is one of the most economical travel medical insurance plans. The policy is available for a minimum of 5 days up to a maximum of 364 days and is extendable and renewable. The minimum age for coverage is 14 days old. The plan provides maximum coverage choices from US $50,000 to US $1,000,000 for the life of the plan. Deductible options ranging from US $0 to US $5,000 per certificate period. After the deductible is satisfied, within the PPO network the plan pays 75% of eligible expenses up to the policy maximum. Outside of the PPO network the plan pays usual reasonable and customary (URC) of eligible medical expenses. The plan offers coverage for Urgent care, Intensive care, local ambulance, emergency room, emergency medical evacuation and repatriation of remains. It participates in the United Healthcare PPO network, providing access to wide network of physicians and hospitals across the USA. The plan provides coverage for COVID-19. Atlas Essential America is underwritten by Lloyd's of London, the oldest insurance market in the world. The plan is administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group).
Key Highlights
- Overall Maximum Limit Up to $1,000,000
- In-network coinsurance 75% within PPO after deductible up to the maximum limit
- Out-of-network coinsurance based on usual, reasonable and customary charges
- Emergency Medical Evacuation Up to $500,000
- Terrorism coverage up to $50,000 lifetime maximum
- Repatriation of Remains Up to $25,000
- Local Burial or Cremation Up to $5,000
- COVID-19 coverage included
- Urgent Care and Local Ambulance coverage included
Note:
Please review Atlas Essential 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 70% up to policy maximum Out-Network URC up to policy maximum |
| Urgent Care | In-Network $15 copay, 70% up to Policy Maximum Out-Network $15 copay, URC up to Policy Maximum |
| Surgical Treatment | In-Network 70% up to policy maximum Out-Network URC up to policy maximum |
| Prescription Drugs / Medicines | URC up to policy maximum |
| Lab & X-rays | In-Network 70% up to policy maximum Out-Network URC up to policy maximum |
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 70% up to policy maximum Out-Network URC up to policy maximum |
| Hospital Intensive Care Unit | After deductible, plan pays 70% up to policy maximum. |
| Dr. / Physician Visit | In-Network 70% up to policy maximum Out-Network URC 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, 70% up to Policy Maximum Out-Network $200 copay, URC 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, the plan pays 100% up to policy maximum for eligible expenses. |
| 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 $500,000 |
| Return of mortal remains | Up to $25,000 |
| Emergency Reunion | No Coverage |
| Return of minor child(ren) | No Coverage |
| Trip Interruption | No Coverage |
| Loss of checked baggage | No Coverage |
| US Border Entry Protection | Not covered |
| Return of Mortal Remains | Up to $25,000 |
| Trip Delay | No coverage |
| Lost Luggage | No coverage |
| Terrorism | Up to $50,000 |
| Personal Liability | No coverage |
| Identity Theft | No coverage |
| Legal Fees | No coverage |
| Lost or Stolen Passport | No coverage |
| Missed Connection | No coverage |
Life Coverage
Life coverage
| AD&D | No Coverage |
| Common Carrier Accidental Death | No Coverage |
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 | No Coverage |
| Maternity | Not covered |
| General Physical full Checkup | Not covered |
| Terrorism Coverage | Up to $50,000 |
| Brochure | Atlas Essential America Insurance Brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network 70% up to policy maximum Out-Network URC 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 | No Coverage |
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 Essential America FAQS
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What is Atlas Essential America insurance?
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Who is eligible for Atlas Essential America insurance?
This plan is available to non-U.S. citizens who are visiting the United States for tourism, business, or medical purposes. Coverage is available for travelers aged 14 days and older. For travelers aged 65 and above, coverage must begin within 30 days of arrival in the U.S.
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What are the coverage options for Atlas Essential America?
Atlas Essential America offers policy maximums ranging from $50,000 to $1,000,000, depending on the traveler's age. The plan provides 75% coverage after the deductible is met, up to the overall maximum limit. Deductible options include $0, $100, $250, $500, $1,000, $2,500, and $5,000 per certificate period.
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Does Atlas Essential America cover COVID-19?
Yes, Atlas Essential America covers medical expenses related to COVID-19 the same as any other illness, provided the policy was purchased on or after July 15, 2020.
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Does the plan cover pre-existing conditions?
No, Atlas Essential America does not cover the acute onset of pre-existing conditions. This benefit is not available in the Essential plan.
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What additional benefits does Atlas Essential America offer?
Beyond standard medical coverage, the plan includes benefits such as:
Emergency medical evacuation up to $500,000 lifetime maximumRepatriation of remains up to $25,000
Urgent Care
Intensive Care
Terrorism attack benefit
Hospital Room and BoardPlease refer to the plan brochure for a comprehensive list of covered benefits.
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How long can I purchase Atlas Essential America 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, up to the maximum duration.
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How do I file a claim with Atlas Essential America?
To file a claim, you must submit the required documents, including a Claimant's Statement and Authorization form, and any supporting documentation like medical bills and receipts. Claims can be filed online through the plan administrator’s portal or by contacting their customer service team.