Traveling can be an exciting experience that exposes you to different cultures, languages, and cuisines. However, it also comes with some potential risks, such as accidents, illness, and theft.
These risks can be even more pronounced when traveling to a foreign country, where you may not have access to your regular healthcare provider, and communication can be challenging.
This is why it is essential to have travel insurance.
In this review, we will explore the key features of the World Trips Atlas Travel Insurance Plan.
The details include Travel Medical Expense Coverage, Benefits, Limitations, Pricing, and more.
We will look closer at this insurance policy to help you determine if it is the right choice for your travel needs.
If your parents are visiting the USA the details will help you with information if this plan can be a good option to buy visitors coverage for them.
By examining these aspects we aim to give you a comprehensive understanding of whether Atlas America Travel Insurance is the right fit for your travel insurance requirements in 2023.
Travel Medical Insurance is an important consideration for anyone who travels.
If you are visiting the USA it becomes extremely important primarily because healthcare is very expensive in the United States.
There are several reasons to invest in travel medical insurance:
If you are still unsure of the benefits then the top 10 reasons to buy travel insurance will help you with more details on the reasons to buy coverage for your international trip. Knowing how travel insurance works is helpful to ensure you know the details.
WorldTrips Atlas America Travel Insurance is one of the most popular travel insurance options available to travelers, offering comprehensive coverage for a wide range of potential risks.
Worldtrips also sells travel health insurance plans for international students, business travelers, and group travel insurance plans. WorldTrips is part of the Tokio Marine HCC Group.
Atlas America is a comprehensive visitor health insurance that provides medical coverage and other covered travel and emergency services for non-US citizens visiting the US or traveling outside their home country.
The Atlas Travel Insurance plan offers various travel insurance plans to relatives and parents visiting the USA, business professionals, tourists, international students, exchange scholars, and more.
Atlas Travel offers a range of benefits that can help protect you against unexpected events while you are traveling, such as medical emergencies, trip cancellation, or interruption, baggage loss, and more.
|A.M. Best Rating||A++ (Superior)|
|Underwriter||Lloyd's of London|
|Policy Duration||5 days - 364 days|
|Extendable||Yes (Up to a maximum of 364 days)|
|Coverage Type||Comprehensive Travel Medical Insurance|
|PPO Network Provider||United Healthcare PPO Network|
|Eligibility||Visitors to the USA or International travelers, traveling outside their home country
(To be eligible for coverage the individual should be at least 14 days old)
Atlas America plan is a comprehensive plan with flexible maximum coverage limits, coverage length, and deductible amounts.
It covers new Medical Conditions, Accidents, or Injuries that occur after the effective policy date.
It does not cover any routine expenses related to:
Key Benefits, with coverage for eligible expenses:
Plan Deductible: $0, $100, $250, $500, $1,000, $2,500, or $5,000
Maximum Per Injury/Illness:
Overall Coverage Maximum Limit:
Coinsurance: Atlas travel insurance will pay 100% of eligible expenses* after the deductible up to the overall maximum limit.
*Eligible expenses are subject to the deductible, and overall maximum limit, and are per certificate period unless specifically indicated otherwise.
Note: The coverage benefits will vary from plan to plan.
Atlas travel insurance does not cover pre-existing conditions, however, it provides coverage benefits for the Acute Onset of a Pre-Existing Condition that is not chronic and congenital in nature.
Acute Onset of Pre-Existing Condition is available: for persons under 80 years old up to the policy maximum
As per the policy document As the acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care.
A pre-existing condition that is chronic or congenital or that gradually becomes worse over time, is not the acute onset of a pre-existing condition
Overall Maximum Coverage: Up to $2,000,000
Emergency Medical Evacuation: Up to $1,000,000
Trip interruption: Up to $10,000
Personal Liability: Up to $25,000
COVID-19: Medical coverage for eligible expenses related to COVID-19
Atlas travel insurance plan participates in the United Healthcare PPO Network. The policy offers the option of a PPO Network (United Healthcare PPO) for medical treatment received in the U.S.
This network allows access to a wide network of hospitals, physicians, and providers all across the United States.
When you visit an in-network provider they generally bill the insurance company directly and charge you only the network-negotiated fees. (fees that are usually lower than regular fees)
While in the United States, After the deductible is satisfied within the United Healthcare PPO network, the plan pays 100% of eligible medical expenses (Up to the policy maximum limit)
Outside the PPO network, the plan pays 100% of eligible medical expenses (Up to the policy maximum limit)
If you are below 80 years of age, you may be covered for an acute onset of a pre-existing condition. This also includes up to a $ 25,000-lifetime maximum for emergency medical evacuation.
Acute onset of a pre-existing condition refers to the sudden and unexpected outbreak or recurrence of a medical condition that is of short duration, is rapidly progressive, and requires urgent care. The medical condition must have existed before the start of the travel medical insurance policy.
The term “pre-existing condition” generally refers to any medical condition (chronic or congenital) that a person has been diagnosed with, received treatment for, or sought medical advice for before purchasing their insurance policy. If the condition gradually becomes worse over time, is not the acute onset of a pre-existing condition.
The acute onset of pre-existing condition benefit can only be applied if all the following conditions are met as described in the plan.
There are several reasons why one might choose Atlas Travel Medical Insurance as their travel insurance provider, including:
This is where Atlas America shines a little brighter than most travel insurance options. Their claim process is not only easy but also quicker than most fish in the travel insurance pond. So if you submit the relevant paperwork timely (within 60 days from the date of medical service availed), your claim process will be smooth sailing.
The terms of the claim vary from plan to plan. However, if you’ve attached the following documents, you’ll be good to go:
The cost of the Atlas America Insurance plan starts at $1.49 per day, while the Atlas International plan starts at $0.81 per day
If you are traveling to the United States on a J-1 visa for work and study-based exchange programs, your visa may require travel medical insurance or proof that you’ll be able to pay for unexpected expenses incurred in the U.S.
Atlas America meets the requirements of the J-1 visa for work and study-based exchange programs in the U.S.
It also provides policyholders with a visa letter that can serve as proof of coverage or help prove their ability to pay for unexpected medical expenses
After your initial purchase, you can extend your Atlas international insurance plan for up to a maximum of 364 days. As long as your coverage is continuous your coinsurance, deductible, and benefit limits will not reset.
The plan offers coverage of up to $50,000 lifetime maximum, (Eligible medical expenses only)
Countries you are visiting must not be under level 3 or higher travel advisory, issued by the U.S. Department of States
Yes, Atlas travel insurance plan offers coverage for eligible medical expenses for injuries and illnesses that could occur while participating in many popular vacation sports, at no extra cost sports like:
Some extreme sports are not covered
Yes, the Incidental trip benefit is available to U.S. citizens for a maximum of 15 days per three months period of coverage.
This benefit may be necessary if you have an incidental trip back to the U.S. and if you incur medical expenses during that time.
This is in effect only if you have purchased a minimum of three months of coverage
Yes, the incidental trip benefit is available to such individuals for a maximum of 30 days per three months period of coverage
Yes, Atlas Travel offers $250 a day for 5 days to help cover the cost of alternative accommodations if a natural disaster occurs on your trip that causes you to be displaced from your planned & paid accommodation
With an extensive network of healthcare providers worldwide and a range of coverage options, Atlas America aims to address the diverse needs of travelers traveling outside their home country. From medical emergencies and trip cancellations to lost baggage and emergency evacuation, Atlas America’s comprehensive policies seek to provide you with the necessary support and coverage throughout your journey
When choosing travel insurance, it’s important to evaluate your needs and compare policies from different providers to find the best coverage for your trip.