Atlas International is a short-term travel medical insurance plan designed for U.S. citizens and foreign nationals traveling outside their home country, excluding the United States. It provides comprehensive coverage for medical emergencies, emergency medical evacuation, and other essential travel-related benefits. The plan is extendable and renewable up to 12 months (364 days) of coverage.
Atlas International
Atlas International
The Atlas International Travel Insurance plan offers comprehensive coverage for individuals traveling outside their home country. Whether you’re exploring new destinations or traveling for business, Atlas International Insurance provides financial protection against unexpected medical emergencies, travel delays, and more. With flexible coverage options, competitive pricing, and customizable limits, this plan ensures peace of mind while you focus on your journey. Key highlights include benefits for emergency medical evacuation, trip interruption, and acute onset of pre-existing conditions. Choose Atlas International for dependable and adaptable travel insurance solutions.
Key Highlights
- Emergency Medical Evacuation: Coverage up to $1,000,000 for life-saving transport to the nearest suitable facility
- Acute Onset of Pre-Existing Conditions: Covers eligible expenses up to the overall maximum limit
- Hospital Room and Board: Pays the average semi-private room rate including nursing services
- Trip Interruption: Offers up to $10,000 for travel costs incurred due to unforeseen emergencies
- Lost Checked Luggage: Reimbursement up to $1,000 for lost or delayed baggage
- Repatriation of Remains: Covers the full cost up to the policy limit
- Political Evacuation: Up to $100,000 for evacuation due to political unrest
- Natural Disaster Accommodation: $250 per day for up to 5 days
- Emergency Dental Coverage: Up to $300 for acute pain relief
- Personal Liability Coverage: Up to $25,000 for third-party injury or property damage
Note:
Please review Atlas 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% 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% up to policy maximum |
| Prescription Drugs / Medicines | 100% up to policy maximum |
| Lab & X-rays | In-Network Not Available Out-Network 100% up to policy maximum |
| Physical Therapy | $50/visit |
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% up to policy maximum |
| Hospital Intensive Care Unit | 100% Covered |
| 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 URC up to policy maximum |
| Emergency Room | In-Network Not Available Out-Network 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 | 100% Covered |
| 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 | Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation. |
| Emergency Reunion | $15,000 |
| Return of minor child(ren) | 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 $500 |
| Return of Mortal Remains | 100% up to policy maximum |
| Trip Delay | Up to $100 per day after 12 hour delay period requiring an unplanned overnight stay. 2 days maximum. |
| Lost Luggage | Upto $1,000 |
| Terrorism | Upto $50,000 |
| Personal Liability | Up to: $25,000 lifetime maximum $25,000 third person injury $25,000 third person property $2,500 related third person property Not subject to deductible or overall maximum limit |
| Identity Theft | No coverage |
| Legal Fees | No coverage |
| Lost or Stolen Passport | Upto $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 | $50,000 |
| Brochure | Atlas 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% 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 |
Atlas International FAQS
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What is Atlas International insurance?
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Who is eligible for Atlas International insurance?
This plan is available to U.S. citizens and foreign nationals who are traveling outside their home country, excluding the United States. Coverage is available for individuals aged 14 days and older. Atlas International is not available to U.S. residents.
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What are the coverage limits for Atlas International insurance?
Atlas International 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: For treatment received outside the PPO network, 20% coinsurance applies for the first $5,000 in eligible expenses beyond the chosen plan deductible. For eligible U.S. claims incurred inside the PPO network, the coinsurance amount is waived, and the plan pays 100% after the chosen plan deductible.
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Does Atlas International insurance cover COVID-19?
Yes, Atlas 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. This includes testing, treatment, and quarantine benefits.
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Does the plan cover pre-existing conditions?
Atlas International 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 International offer?
In addition to standard medical coverage, Atlas International includes:
Emergency Medical Evacuation: Up to $1,000,000 lifetime maximum.Repatriation of Remains: Up to elected overall maximum limit.
Return of minor children: Up to $50,000.
Telemedicine Services: Access to virtual consultations with healthcare providers.
Trip Interruption: Up to $10,000 for covered reasons.
Baggage Loss: Up to $1,000 for replacement of lost baggage.
Natural Disaster: Up to $250 per day for replacement accommodations if displaced due to a natural disaster.
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How long can I purchase Atlas 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 International insurance?
To file a claim, complete the Atlas 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 International Claims Process.