OnshoreKare

Q1: How do I file a claim?

Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process

Q2: Am I eligible for the Atlas Essential International plan?

The Atlas Essential International plan is available for:

Q3: Which doctor or hospital can I go to?

You can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses.

Q4: How much does Atlas Essential International cost?

The cost of Atlas Essential International varies based on several qualifying criteria, such as traveler’s age, duration or length of trip, and selected coverage benefit limits. Typically, Atlas Essential International can cost about $2 a day for the duration of the trip for a person 50 years of age selecting International travel coverage area that does not include USA .

Q5: How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Q6: Why are there state restrictions and will it impact me if I visit one of those states?

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Q7: Can I extend the plan, if I plan to stay longer?

Yes, if you buy the plan initially for more than 5 days, you can extend the policy. It is recommended to extend the plan at least two days before the policy expires. There is be an $5 extension fee added to the premium for the additional days of coverage. The policy can be extended for up to a maximum of 365 days.

Q8: Can I cancel the plan, if I plan to go back earlier?

Yes, you can cancel and get a refund for the Atlas International/America Plan, if you need to go back earlier than planned. The following rules apply:

Q9: Can I cancel only one person from the policy?

You cannot remove one person from the 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.

Q10: What information do I need to buy the plan?

You will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.

Q11: When will I receive my 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 ID card.

Q12: What if I am traveling to multiple countries, will I be covered?

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 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.

Q13: Are pre-existing conditions covered by the Atlas Essential International plan?

Pre-existing conditions and acute onset of pre-existing conditions are not covered by the Atlas Essential America plan. 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 a pre-existing condition.

Q14: Does Atlas Essential International cover coronavirus?

Atlas Essential International can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Q15: When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?

Based on the desired coverage length you have selected, you have to make the full payment at once.

Since this plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal.

Q16: Is there a waiting period for coverage to begin on my travel medical plan?

Coverage will begin on the date selected and once the policyholder has left their home country. The policy will only cover for conditions that occur after the policy effective date.

Q17: I'm traveling to multiple countries and inputted all the destinations during the quoting process. Why does my policy documents only list one destination country?

Only the primary destination in the 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.

Q18: When does my coverage start and end on my travel medical insurance plan?

Coverage on the travel medical insurance plan will begin on the date of departure (12:01am EST) and once the traveler has left their home country. Coverage areas are anywhere outside one's' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 11:59pm EST on the last date of coverage

Q19: Will my Atlas Essential International plan be extended /renewed automatically?

No, your Atlas Essential International plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.

Q20: Is someone without a valid visa eligible for an Atlas plan?

Yes, Atlas plans provide 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.

Q21: Does the Atlas Essential International plan cover for the coronavirus vaccine/boosters?

The Atlas Essential International plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Q22: Does the Atlas Essential International plan cover for coronavirus testing?

Atlas Essential International will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

Q23: Does the Atlas Essential International plan provide quarantine coverage?

The Atlas Essential International plan does not offer a quarantine benefit. Please review the policy documents for limits and exclusions.

Q24: Why do corrections take 3-5 business days and can't be a quick fix?

The insurance provider recommends that you submit any correction requests in writing as your 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.

Q25: Who is the plan administrator for Atlas Essential International?

Atlas Essential International is Administrated by WorldTrips. Visit WorldTrips's plan provider page for more information.

Q26: Where can I find answers to other questions I have?

Learn more from informative articles at Visitor Insurance Information section.

Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information

Q27: Does Atlas Essential International cover Monkeypox?

Atlas Essential International can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

Q28: Does Atlas Essential International cover for the Monkeypox vaccine?

The Atlas Essential International plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Q29: My credit card expired how do I receive my refund?

If your original payment method 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.

Q30: What is the Air Doctor Benefit, and how does it work?

The Air Doctor Benefit is a service that connects travelers with trusted medical professionals abroad, offering up to two cashless medical visits outside the U.S., if a $0 deductible option is selected upon checkout. Plans effective for more than six months are allocated three visits.

Through the Air Doctor platform, travelers can easily locate nearby doctors, book appointments, and choose between in-person or video consultations. Payments are handled directly, eliminating the need to pay upfront or file claims for reimbursement, making healthcare access abroad seamless and stress-free. This applies to policies purchased on or after January 15, 2025. Please review your plan's specific documents for any limits or exclusions.