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Q1: How do I file a claim on my Atlas Essential International policy?

Please refer to the following article concerning the Atlas Essential International 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 with Atlas Essential International?

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

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 Atlas Essential International insurance?

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

Q6: Why does Atlas Essential International have 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 Atlas Essential International policy period.

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

Yes, you can extend the Atlas Essential International 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 a minimum of 5 days and up to a maximum of 365 days.

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

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

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

You cannot remove one person from the Atlas Essential International 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 Atlas Essential International plan?

In order to apply for Atlas Essential International, you will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.

Q11: When will I receive my Atlas Essential International 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 Essential International ID card.

Q12: What if I am traveling to multiple countries, will I be covered with Atlas Essential International?

Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the Atlas Essential International 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 Atlas Essential International, 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, the full payment is due upfront.

Since the Atlas Essential International plan is renewable, you can renew it anytime you would like to before the policy expires. There is a $5 fee associated with the renewal.

Q16: Is there a waiting period for coverage to begin on my Atlas Essential International 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.Coverage will begin on the date selected and once the policyholder has left their home country. The Atlas Essential International policy will only cover for conditions that occur after the policy effective date.

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

Only the primary destination in the application will be listed on the Atlas Essential International policy documents, but rest assured that all other eligible input countries will be covered during the active policy period.

Q18: When does my coverage start and end on my Atlas Essential International plan?

Coverage on the Atlas Essential International 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 Atlas Essential International?

Yes, Atlas Essential International provides coverage to US and Non-US citizens regardless of visa status, traveling outside their home country and country of citizenship.

Q21: Why do corrections take 3-5 business days to fix my Atlas Essential International policy?

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 Atlas Essential International application before completing the purchase to prevent any errors and corrections.

Q22: 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.

Q23: My credit card expired how do I receive my refund for my Atlas Essential International policy?

If your Atlas Essential International 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.

Q24: What is the Atlas Essential International Air Doctor Benefit, and how does it work?

The Atlas Essential International 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.

Using 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.

Q25: 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