Atlas Essential International is a low-cost, comprehensive travel medical insurance plan designed for non-U.S. residents traveling outside their home country, excluding the United States. It provides essential coverage for medical emergencies, offering a budget-friendly option for international travelers.
Atlas Essential International
Atlas Essential International
The Atlas Essential International Insurance is a reliable travel medical insurance plan, designed for global travelers seeking essential coverage at an affordable cost. Administered by World Trips, this plan ensures you have access to medical assistance wherever your travels take you. With flexible limits, customizable deductibles, and a broad range of benefits, this plan offers peace of mind for both leisure and business travelers. Both U.S. citizens and non-U.S. citizens can purchase this plan. Coverage is available while traveling outside your home country. Atlas Essential International includes coverage for emergency medical expenses, hospitalization, medical evacuation, and more, with a focus on affordability and simplicity. It is an excellent choice for travelers looking for basic yet effective international medical coverage, particularly in destinations requiring proof of insurance.
Key Highlights
- Flexible Coverage Limits: Choose from overall maximum limits ranging from $50,000 to $1,000,000 (age restrictions apply)
- Emergency Medical Evacuation: Up to $500,000 for emergency transportation to a suitable medical facility
- Repatriation of Remains: Covers up to $25,000 for transporting bodily remains to the home country
- Hospitalization and Treatment: Covers room, board and nursing services including intensive care
- Urgent Care Co-Pay: $15 co-pay per visit within the U.S., waived for $0 deductible plans
- Emergency Dental Coverage: Up to $300 for dental care due to accident or acute pain
- Terrorism Coverage: Up to $50,000 for injuries or illnesses resulting from acts of terrorism
- Pre-Existing Condition Limitations: No coverage for pre-existing conditions
- Incidental Home Country Coverage: Limited coverage for short stays in the home country during the trip
Note:
Please review Atlas Essential International 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 Not Available Out-Network 100% of URC, up to policy maximum |
| Urgent Care | In-Network Not Available Out-Network $15 copay, 100% up to Policy Maximum |
| Surgical Treatment | In-Network Not Available Out-Network 100% of URC, up to policy maximum |
| Prescription Drugs / Medicines | URC up to policy maximum |
| Lab & X-rays | In-Network Not Available Out-Network 100% of URC, up to policy maximum |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | In-Network Not Available Out-Network Average semi-private room and rate |
| Surgical Treatment | In-Network Not Available Out-Network 100% of URC, up to policy maximum |
| Hospital Intensive Care Unit | 100% of URC up to policy maximum for eligible expenses |
| Dr. / Physician Visit | In-Network Not Available Out-Network 100% up to policy maximum |
Emergency Services
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | In-Network Not Available Out-Network 100% of URC, up to policy maximum |
| Emergency Room | In-Network Not Available Out-Network 100% of 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 |
| 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 |
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 | $50,000 |
| Brochure | Atlas Essential International Insurance Brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network Not Available Out-Network 100% 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 International FAQS
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What is Atlas Essential International insurance?
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Who is eligible for Atlas Essential International insurance?
This plan is available to non-U.S. citizens and non-U.S. permanent residents who are traveling outside their home country, excluding the United States. Coverage is available for individuals aged 14 days to 99 years. Atlas Essential International is not available to U.S. residents.
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What are the coverage limits for Atlas Essential International insurance?
Atlas Essential International offers the following coverage options:
Policy Maximum: From $50,000 to $1,000,000, depending on the selected plan.Deductible Options: $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate/renewal period.
Coinsurance: For treatment within the PPO network the plan pays 70% of eligible expenses after the deductible to the overall maximum limit. For treatment received outside the PPO network, usual, reasonable, and customary charges apply. You may be responsible for any charges exceeding the payable amount.
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Does Atlas Essential International insurance cover COVID-19?
Yes, Atlas Essential International covers medical expenses related to COVID-19 the same as any other illness, provided the illness occurs after the effective date of the policy.
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Does the plan cover pre-existing conditions?
No, Atlas Essential International does not provide coverage for pre-existing conditions. This plan is designed to cover new illnesses and accidents that occur after the policy's effective date.
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What additional benefits does Atlas Essential International offer?
In addition to standard medical coverage, Atlas Essential International includes:
Emergency Medical Evacuation: Up to $500,000 lifetime maximum.Repatriation of Remains: Up to $25,000 lifetime maximum.
Local Burial or Cremation: Up to $5,000 lifetime maximum.
Telemedicine Services: Access to virtual consultations with healthcare providers.
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How long can I purchase Atlas Essential International 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 Essential International insurance?
To file a claim, complete the Atlas Essential International Claim Form and submit it along with supporting documents such as medical bills and receipts. Claims can be submitted online or via email to the claims administrator. For detailed instructions and contact information, refer to the Atlas Essential International Claims Process.