Atlas America
Comprehensive | A++ (Superior) | WorldTrips
Travel Insurance with a Difference
Comprehensive | A++ (Superior) | WorldTrips
After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
For non U.S residents and non U.S citizens traveling to the U.S
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 365 days in a policy period
Extendable for up to 365 days
Eligible for Student Visa holders who do not have specific health insurance requirements to meet.
Plan can be purchased after arrival at the destination
Residents & Citizens of UK may purchase coverage for a maximum of 119 days
Not available to residents of: Cuba, Iran, North Korea, Syria
Not available for following home countries: Cuba, Iran, Myanmar, North Korea, Puerto Rico, Syria, Ukraine, United States, Virgin Islands (USA)
Not available for citizens of: Cuba, Iran, Myanmar, North Korea, Puerto Rico, Ukraine, United States, Virgin Islands (USA)
Not Available for the following Destination Countries:: Belarus, Congo, The Democratic Republic of, Cuba, Iran, Israel, Lebanon, North Korea, Palestinian Terr., Russia, South Sudan, Syria, Uganda, Ukraine
Not available to individuals who are physically located in the country of: Australia, Austria, Belgium, Bulgaria, Canada, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovak Republic, Slovenia, Spain, Sweden, United Kingdom
In-Network
| 100% up to policy maximum |
Out-Network
| 100% up to policy maximum |
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: Please review your policy document for any other limits or exclusions. |
Acute onset Pre-Existing Condition
| Up to the policy maximum: Age 79 and below |
Prescription Drugs / Medicines
| 100% up to policy maximum |
In-Network
| 100% up to policy maximum |
Out-Network
| 100% up to policy maximum |
In-Network
| $15 copay, URC up to Policy Maximum |
Out-Network
| $15 copay, URC up to Policy Maximum |
In-Network
| 100% up to policy maximum |
Out-Network
| 100% up to policy maximum |
In-Network
| 100% up to policy maximum |
Out-Network
| 100% up to policy maximum |
In-Network
| Average semi-private room and rate |
Out-Network
| Average semi-private room and rate |
In-Network
| 100% up to policy maximum |
Out-Network
| 100% up to policy maximum |
In-Network
| 100% up to policy maximum |
Out-Network
| 100% up to policy maximum |
In-Network
| URC up to policy maximum |
Out-Network
| URC up to policy maximum |
In-Network
| $200 copay, 100% up to Policy Maximum |
Out-Network
| $200 copay, 100% up to Policy Maximum |
Dental Emergency
| Up to $300 for emergency dental accident and acute onset of pain |
US Border Entry Protection
| One way ticket and/or common carrier change fees up to $500 |
Emergency Medical Evacuation / Repatriation
| Up to $1,000,000 |
Return of Mortal Remains
| 100% up to policy maximum |
Trip Interruption
| Up to $10,000 |
Trip Delay
| Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. |
Lost Luggage
| Up to $1,000 |
Terrorism
| 100% upto Policy Maximum |
Personal Liability
| Up to $25,000 |
Identity Theft
| No coverage |
Legal Fees
| No coverage |
Lost or Stolen Passport
| Up to $100 |
Missed Connection
| No 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 |
Doctor Wellness Visit
| No Coverage |
Preferred Rates
| Not Available |
WorldTrips
TMHCC Insurance SPC Ltd and Houston Casualty Company
A++ (Superior)
| Q1: Am I eligible for Atlas America? Non US-citizens and Non-US residents traveling to the U.S can purchase Atlas America. |
| Q2: Are pre-existing conditions covered by the Atlas America plan? Pre-existing conditions are not covered by Atlas America plan. However, the Atlas America plan covers up to the policy maximum for acute onset of pre-existing conditions in people up to 79 years of age. An acute onset of a pre-existing condition is defined as: 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. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset. A pre-existing condition is defined as an Injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the certificate effective date. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition. |
| Q3: What is an acute onset of pre-existing condition for Atlas America insurance? An acute onset is a sudden 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, is of short duration. It has to be an acute medical condition that requires immediate medical attention. The acute onset of a pre-existing must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset. More conditions and restrictions apply. Please check the Atlas America Description of Coverage to understand what is covered as an acute onset of pre-existing condition. |
| Q4: Which doctor or hospital can I go to with Atlas America? You can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses. However, if you choose to go to a provider within the United Healthcare PPO network for Atlas America, benefit prices may be negotiated. You can search for doctors and hospitals in this Provider Directory. |
| Q5: What is the Personal Liability rider in Atlas America insurance and what does it cover? The Personal Liability Benefit allows a policyholder to purchase an additional $90,000 in Personal Liability coverage. The rider must be purchased at the time of application. As Atlas America provides $10,000 in Personal Liability coverage in the base plan, purchasing this rider would increase the total Personal Liability benefit to $100,000 for only $0.35 / person / day. |
| Q6: How do I file a claim for Atlas America? Please refer to the following article concerning the claim process for Atlas America: Visitor Insurance Claim Process |
| Q7: How much does Atlas America cost? The cost of Atlas America varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, selected coverage benefit limits, and the selection of additional riders. |
| Q8: How do I use this Atlas America insurance? Please refer to the following article about the policy usage for Atlas America: How to use Visitor Insurance? |
| Q9: For Atlas America, why are there state restrictions and will it impact me if I visit one of those states? Each insurance company may have state-specific regulations that determine where certain plans can be sold. These restrictions only affect residents of those particular states who are purchasing coverage. However, if you purchase an Atlas America plan and are traveling in the United States, you will have coverage in all 50 states during your active policy period, subject to the policy's terms, conditions, and exclusions. |
| Q10: Can I extend the Atlas America plan, if I plan to stay longer? Yes, the Atlas America plan is extendable. It is recommended to extend the plan at least two days before the policy expires. There is a $5 extension fee added to the premium for the additional days of coverage. The policy can be extended for a minimum of 5 days up to a maximum of 365 days. |
| Q11: Can I cancel the Atlas America plan, if I plan to go back earlier? Yes, you can cancel and get a refund for the Atlas America plan, if you need to go back earlier than planned. The following rules apply: |
| Q12: Can I cancel only one person from the Atlas America policy? You cannot remove one person from the Atlas America policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms. |
| Q13: What information do I need to buy the Atlas America plan? In order to complete the Atlas America application, you will need names, coverage duration, date(s) of birth, home country address, and a valid credit card. |
| Q14: When will I receive my Atlas America ID card? An email confirmation will be sent after purchase. The email will include links and instructions on how to access and print out your Atlas America ID card. |
| Q15: If I am traveling to multiple countries, will I be covered by Atlas America? Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage under Atlas America will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country. |
| Q16: Does Atlas America cover COVID-19-related expenses? Atlas America covers eligible COVID-19 treatment and related medical services if the illness is contracted after the policy effective date. However, COVID-19 vaccines, boosters, and other preventive care services are not covered. COVID-19 testing is covered only when medically necessary, ordered by an attending physician for diagnostic purposes due to symptoms; tests required for travel are excluded. The plan also does not include a quarantine benefit, so please refer to your policy documents for complete details, limitations, and exclusions. |
| Q17: Can I purchase Atlas America after I arrive at my destination? Yes, you may purchase Atlas America even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy’s effective start date. |
| Q18: When I buy Atlas America do I need to make the full payment at once or do I have the option of paying it on a monthly basis? Atlas America application requires payment in full in order for coverage to begin. There is no monthly payment options. However, you can choose to renew your coverage monthly. There is a $5 extension fee applied for each extension done. |
| Q19: Is there a waiting period for coverage to begin on Atlas America? Coverage will begin on the date selected and once the policyholder has left their home country. Atlas America will only cover for conditions that occur after the policy effective date. |
| Q20: I'm traveling to multiple countries and inputted all the destinations during the quoting process. Why does my Atlas America policy documents only list one destination country? Only the primary destination in the Atlas America application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period. |
| Q21: When does my coverage start and end on my Atlas America plan? Coverage under the Atlas America plan begins on the selected effective date at 12:01 a.m. EST, provided the traveler has departed their home country. Coverage is available while traveling outside the home country and outside any restricted territories, as long as the policy remains active. Coverage ends on the earliest of the following: Immediately upon the traveler's return to their home country, or 11:59 p.m. EST on the policy's expiration date. |
| Q22: Is someone without a valid visa eligible for Atlas America? Yes, Atlas America provides coverage to non-U.S. citizens regardless of visa status, as long as the applicant is a non-U.S. resident. To be eligible, the applicant must provide a residence address outside of the U.S. |
| Q23: Will my Atlas America plan be extended /renewed automatically? No, your Atlas America plan won't be extended or renewed automatically. To continue coverage, you must log in to your online account and submit an extension or renewal request before the policy expires. |
| Q24: Does the Atlas America plan provide quarantine coverage? The Atlas America plan does not offer a quarantine benefit. Please review the policy documents for limits and exclusions. |
| Q25: I am on a student visa, am I eligible to purchase the Atlas America plan as a short term health option during my participation in school or educational program? If your school or educational program does not any have specific health insurance requirements to meet, Atlas America can offer short-term health insurance coverage while you are abroad. It is important to confirm with the school or educational program to ensure that any short-term health insurance plan will be accepted by them. |
| Q26: Why does it take 3-5 business days to make a policy correction for Atlas America? The insurance provider recommends that you submit any correction requests in writing as your Atlas America policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections. |
| Q27: What is Atlas America's Accidental Death and Dismemberment Rider and what does it cover? Atlas America's Accidental Death & Dismemberment rider is available for policyholders between the ages of 18 to 69 and must be purchased at the time of application. The rider increases the base amount of AD&D coverage in a policy. The AD&D benefit is not subject to the overall policy maximum. AD&D coverage provides benefits in the event of your death or loss of limb due to an accident. As Atlas America provides $25,000 in AD&D coverage to Members aged 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day. |
| Q28: What is Atlas America's Crisis Response Benefit Rider and what does it cover? Atlas America's Crisis Response Rider allows a policyholder to purchase an additional $90,000 in Crisis Response coverage and must be purchased at the time of application. As Atlas America provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day. |
| Q29: Who is the plan administrator for Atlas America? Atlas America is Administrated by WorldTrips. Visit WorldTrips's plan provider page for more information. |
| Q30: My credit card expired how do I receive my refund for my Atlas America policy? If your original payment method for Atlas America is invalid, please contact the insurance administrator directly at 800-605-2282 to update/edit your account details for a smooth refund process during cancellation. |
| Q31: Where can I find answers to other questions I have? Learn more from informative articles at Visitor Insurance Information section. |