Atlas International Premium is a comprehensive travel medical insurance plan designed for non-U.S. citizens traveling outside their home country, excluding 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 International Premium
Atlas International Premium
Atlas International Premium is a comprehensive travel medical insurance plan designed for individuals traveling outside their home country, excluding the United States. Both U.S. citizens and non-U.S. citizens are eligible for coverage outside their home country. The policy is available for a minimum of 5 days up to a maximum of 364 days and can be extended or renewed. The minimum age for coverage is 14 days old.
The Atlas International Premium plan provides maximum coverage options ranging from US$50,000 to US$2,000,000 for the life of the plan, along with deductible choices from US$0 to US$5,000 per certificate period. After the deductible is satisfied, the plan pays 100% of eligible expenses up to the overall maximum limit. The plan also offers coverage for the acute onset of pre-existing conditions for individuals below 80 years of age.
The Atlas International Premium plan covers unexpected illness or injury, emergency medical evacuation, and other travel-related benefits. COVID-19 is covered like any other eligible medical condition that occurs after the effective date of the policy. Atlas International Premium is underwritten by Lloyd's of London, the oldest and largest insurance market in the world, and is administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group).
Key Highlights
- Offers coverage for Acute Onset of Pre-Existing Conditions
- Coinsurance 100% of eligible expenses after the deductible up to the overall maximum limit
- Overall Maximum Limit Up to $2,000,000
- Emergency Medical Evacuation Up to $1,000,000
- Emergency Reunion Up to $150,000
- Political Evacuation Up to $150,000
- Crisis Response up to $100,000
- Return of Minor Children up to $50,000
- COVID-19 covered just like any other eligible medical condition
- Coverage for Accidental Death & Dismemberment, Common Carrier Accidental Death, Personal Liability, Travel Delay
Note:
Please review Atlas International 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 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 | After deductible: plan pays 100% 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% up to policy maximum |
| Hospital Intensive Care Unit | After deductible: plan pays 100% up to policy maximum. |
| Drug/Alcohol Abuse | Not 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 | 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 $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 per day after 12 hour delay period requiring an unplanned overnight stay. 2 days maximum. |
| Lost Luggage | Upto $2,000 |
| Terrorism | Upto $50,000 |
| Personal Liability | Up to: $100,000 lifetime maximum $100,000 third person injury $100,000 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 | $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 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 International Premium 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 |
| COVID-19 Quarantine Coverage | A quarantine indemnity benefit of up to $50/day for 10 days. |
Atlas International Premium FAQS
-
What is Atlas International Premium insurance?
-
Who is eligible for Atlas International Premium insurance?
This plan is available to non-U.S. citizens traveling to destinations outside their home country, excluding the United States. Coverage is available for individuals aged 14 days to 99 years. U.S. citizens and residents are not eligible for coverage within the United States, except as provided under home country coverage or an eligible benefit period.
-
What are the coverage limits for Atlas International Premium insurance?
Atlas International Premium offers the following coverage options:
Overall Maximum Limit: 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 overall maximum limit.
-
Does Atlas International Premium insurance cover COVID-19?
Yes, Atlas International Premium covers medical expenses related to COVID-19 the same as any other illness, provided the illness occurs after the effective date of the policy.
-
Does the plan cover pre-existing conditions?
Atlas International 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.
-
What additional benefits does Atlas International Premium offer?
In addition to standard medical coverage, Atlas International Premium includes:
Emergency Medical Evacuation: Up to $1,000,000 lifetime maximum.Repatriation of Remains: Up to $25,000 lifetime maximum.
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).
-
How long can I purchase Atlas International 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.
-
How do I file a claim with Atlas International Premium insurance?
To file a claim, complete the Atlas International Premium 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 International Premium Claims Process.