Atlas International
Comprehensive | A++ (Superior) | WorldTrips
Travel Insurance with a Difference
Comprehensive | A++ (Superior) | WorldTrips
After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum
For international travelers travelling anywhere outside their home country. No Coverage in USA
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
If you are purchasing this plan for Schengen visa purposes, please select a zero dollar ($0) deductible
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, Syria, Ukraine
Not available for citizens of: Cuba, Iran, Myanmar, North Korea, Ukraine
Not Available for the following Destination Countries:: Belarus, Congo, The Democratic Republic of, Cuba, Iran, Israel, Lebanon, North Korea, Palestinian Terr., Puerto Rico, Russia, South Sudan, Syria, Uganda, Ukraine, United States, Virgin Islands (USA)
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
| Not Available |
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 policy maximum: Age 79 and below |
Prescription Drugs / Medicines
| 100% up to policy maximum |
In-Network
| Not Available |
Out-Network
| 100% up to policy maximum |
In-Network
| Not Available |
Out-Network
| $15 copay, 100% up to Policy Maximum |
In-Network
| Not Available |
Out-Network
| 100% up to policy maximum |
In-Network
| Not Available |
Out-Network
| 100% up to policy maximum |
In-Network
| Not Available |
Out-Network
| Average semi-private room and rate |
In-Network
| Not Available |
Out-Network
| 100% up to policy maximum |
In-Network
| Not Available |
Out-Network
| 100% up to policy maximum |
In-Network
| Not Available |
Out-Network
| URC up to policy maximum |
In-Network
| Not Available |
Out-Network
| 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 per day after 12 hour delay period requiring an unplanned overnight stay. 2 days maximum. |
Lost Luggage
| Upto $1,000 |
Terrorism
| Upto $50,000 |
Personal Liability
| Up to: |
Identity Theft
| No coverage |
Legal Fees
| No coverage |
Lost or Stolen Passport
| Upto $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 |
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 the Atlas International plan? The Atlas International plan is available for: |
| Q2: Does Atlas International cover pre-existing conditions? Pre-existing conditions are not covered by Atlas International plan. However, the 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. |
| Q3: Under Atlas International, what is an acute onset of pre-existing condition? 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. More conditions and restrictions apply. Please check the Atlas International Description of Coverage to understand what is covered under acute onset of pre-existing condition. |
| Q4: Which doctor or hospital can I go to with Atlas International? With Atlas International, you can go to any doctor or hospital of your choice and be covered 100% for eligible medical expenses. |
| Q5: What if I am traveling to multiple countries, will I be covered with Atlas 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 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. |
| Q6: How do I file a claim on my Atlas International policy? Please refer to the following article concerning the Atlas International claim process: |
| Q7: How much does Atlas International cost? The cost of Atlas International varies based on several qualifying criteria, such as traveler’s age, duration or length of trip, selected coverage benefit limits, and the addition of additional coverage options (riders). Typically, Atlas International can cost about $4 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 . |
| Q8: How do I use this Atlas International insurance plan? Please refer to the following article about the Atlas International policy usage: How to use Visitor Insurance? |
| Q9: Why does Atlas 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 International policy period. |
| Q10: Can I extend the Atlas International plan, if I plan to stay longer? Yes, you can extend the Atlas International policy. There is a $5 extension fee added to the premium for the additional days of coverage. It is recommended to extend the plan at least two days before the policy expires. The policy can be extended for a minimum of 5 days and up to a maximum of 365 days. |
| Q11: Can I cancel the Atlas International plan, if I plan to go back earlier? Yes, you can cancel and get a refund for the Atlas International plan, if you need to go back earlier than planned. The following rules apply: |
| Q12: Can I cancel only one person from the Atlas International 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 Atlas International policy terms. |
| Q13: What information do I need to buy the Atlas International plan? In order to apply for Atlas International, 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 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 International ID card. |
| Q15: Does Atlas International cover coronavirus? Atlas 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. |
| Q16: When I buy Atlas 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, you have to make the full payment at once. Since the Atlas International 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. |
| Q17: Is there a waiting period for coverage to begin on my Atlas International plan? Coverage will begin on the date selected and once the policyholder has left their home country. The Atlas International policy will only cover for conditions that occur after the policy effective date. |
| Q18: I'm traveling to multiple countries and input all the destinations during the quoting process. Why does my Atlas International policy documents only list one destination country? Only the primary destination in the application will be listed on the Atlas International policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period. |
| Q19: When does my coverage start and end on my Atlas International plan? Coverage on the Atlas 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. |
| Q20: Is someone without a valid visa eligible for a the Atlas International plan? Yes, Atlas International provides coverage to US and Non-US citizens regardless of visa status, traveling outside their home country and country of citizenship. |
| Q21: Will my Atlas International plan be extended /renewed automatically? No, your Atlas 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. |
| Q22: Why do corrections take 3-5 business days to fix my Atlas 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 International application before completing the purchase to prevent any errors and corrections. |
| Q23: What is the Atlas International Personal Liability rider and what does it cover? The Atlas International 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 International 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. |
| Q24: What is Atlas International Crisis Response Benefit Rider and what does it cover? The Atlas International 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 International 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. |
| Q25: What is the Atlas International Accidental Death & Dismemberment and what does it cover? The Atlas International 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 International 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. PLEASE NOTE: It does not cover certain activities and conditions, as listed in the policy. Please review policy documents for limits and restrictions. |
| Q26: Who is the plan administrator for Atlas International? Atlas International is Administrated by WorldTrips. Visit WorldTrips's plan provider page for more information. |
| Q27: My credit card expired how do I receive my refund for my Atlas International policy? If your Atlas 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. |
| Q28: What is the Atlas International Air Doctor Benefit, and how does it work? The Atlas 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. |
| Q29: 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 |