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Atlas America Premium

Comprehensive | A++ (Superior) | WorldTrips

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COVID-19 Included

Acute Pre-Existing Condition Condition

Medical Coverage During Travel

Cancelable & Renewable

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

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

Plan Brochure | Description of Coverage | Plan FAQs | Insurance Product Information Document | See Complete Benefits

Atlas America Premium (A.M. Best Rating: A) is a premium travel medical insurance plan for international visitors traveling to the United States. It offers comprehensive medical coverage, access to the UnitedHealthcare PPO network, emergency travel assistance, and acute onset coverage of pre-existing conditions for eligible travelers. Coverage is available from 5 days to 365 days.

While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 100% of eligible medical expenses, up to the selected policy maximum.

Atlas America Premium does not cover pre-existing conditions. Atlas America Premium includes acute onset coverage of pre-existing conditions up to the policy maximum for travelers under age 80.

Review the Atlas America Premium policy documents for complete coverage details, exclusions, and limitations.

Eligible Medical Expenses

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:

  • 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

    Prescription Drugs / Medicines

    100% up to policy maximum

    Dr. / Physician Visit

    In-Network

    100% up to policy maximum

    Out-Network

    100% up to policy maximum

    Urgent Care

    In-Network

    $15 copay, 100% up to Policy Maximum

    Out-Network

    $15 copay, 100% up to Policy Maximum

    Surgical Treatment

    In-Network

    100% up to policy maximum

    Out-Network

    100% up to policy maximum

    Lab & X-rays

    In-Network

    100% up to policy maximum

    Out-Network

    100% up to policy maximum

    Hospital Room and Board

    In-Network

    Average semi-private room and rate

    Out-Network

    Average semi-private room and rate

    Dr. / Physician Visit

    In-Network

    100% up to policy maximum

    Out-Network

    100% up to policy maximum

    Surgical Treatment

    In-Network

    100% up to policy maximum

    Out-Network

    100% up to policy maximum

    Ambulance Expenses

    In-Network

    URC up to policy maximum

    Out-Network

    URC up to policy maximum

    Emergency Room

    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 $15,000

    Trip Delay

    Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay. 2 days maximum

    Lost Luggage

    Up to $2,000

    Terrorism

    Up to $50,000

    Personal Liability

    Up to $100,000

    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

    A quarantine indemnity benefit of up to $50/day for 10 days.

    Doctor Wellness Visit

    No Coverage

    Preferred Rates

    Not Available

    Plan Administrator Company

    WorldTrips

    Carrier / Underwriter

    TMHCC Insurance SPC Ltd and Houston Casualty Company

    AM Best Rating

    A++ (Superior)