Curious which medical protections really matter when visiting the U.S.? This concise guide explains a comprehensive medical plan run by WorldTrips and backed by an A.M. Best A++ rating.
Atlas America offers flexible durations from 5 to 364 days, with easy online extensions that keep your original deductible, coinsurance, and benefit limits when continuous.
High-value benefits include hospitalization, ICU, physician and outpatient care, plus U.S. copay rules for ER and urgent care. The plan uses UnitedHealthcare’s PPO to help control costs and may allow direct billing.
Acute onset of pre-existing condition coverage applies under age limits, and emergency medical evacuation reaches up to a $1,000,000 lifetime maximum. Repatriation of remains equals your elected overall maximum.
Optional riders add AD&D, higher personal liability, crisis response, natural disaster evacuation, and a bolt device protection for electronics. Access to Air Doctor gives telehealth visits that can simplify care while in the U.S.
Key Takeaways
- Atlas America travel insurance overview
- Eligibility and purchase restrictions
- Coverage period, renewals, and extensions
- Policy maximums and deductible options
- Coinsurance and how eligible expenses are paid
- Core medical benefits and limits
- Emergency medical evacuation and repatriation
- Acute onset of pre-existing conditions
- Accessing care in the United States: PPO and telehealth
- Costs and pricing examples
- Optional riders and add-on benefits
- Travel benefits beyond medical coverage
- Atlas America vs. Atlas International and Atlas Group
- Visa, documentation, and how to buy
- Home country coverage and incidental return
- How to file claims and get support
- Who benefits most from Atlas America
- Conclusion
- FAQ
- FAQ
- FAQ
- Backed by WorldTrips and A.M. Best A++ for strong financial security.
- Flexible 5–364 day durations with extensions that preserve limits.
- Robust medical and emergency evacuation benefits, including a $1,000,000 evacuation maximum.
- Acute onset of pre-existing conditions covered with age-based limits.
- UnitedHealthcare PPO network helps reduce out-of-pocket costs.
- Useful optional add-ons and telehealth access via Air Doctor.
Atlas America travel insurance overview
This plan is designed for people who are based abroad and whose itinerary includes the United States. It supports multi-country trips and gives U.S.-specific medical access while you are outside your home country.
Who it’s designed for
Atlas America suits tourists, business visitors, students on short placements, and anyone visiting family in the U.S. Plans work for single trips or longer stays and are customizable with selectable medical maximums and deductibles.
Administrator, underwriter, and strength
WorldTrips administers the plan. Underwriters are TMHCC Insurance SPC Ltd and Houston Casualty Company. A.M. Best rates these underwriters A++ (Superior), which reassures buyers about claims-paying ability.
“Comprehensive U.S. network access and 24/7 global support help reduce stress during an emergency.”
- UnitedHealthcare PPO access in the U.S. helps lower costs and ease billing.
- Online purchase, no medical exam, and instant documents for visas.
- Benefits and limits follow your elected plan terms and travel dates.
Eligibility and purchase restrictions
Before you buy, confirm eligibility—it depends on age, your physical purchase location, and where you will be during the policy period. This section explains who can enroll and which situations are excluded.
Who can apply and age considerations
Individuals at least 14 days old who will be traveling outside their home country are generally eligible to apply. Choose a medical maximum that fits your needs.
Age-based maximums: travelers under 65 may select limits up to $2,000,000. Ages 65–79 may choose $50,000 or $100,000. Age 80 and older are limited to $10,000.
Important: a person who buys the policy at age 79 and turns 80 during the period can keep the original coverage purchased at 79.
Location and destination restrictions
The plan cannot be purchased if you are physically located in New York, Maryland, Washington State, Canada, or Australia at time of application.
Travel to Iran is not eligible under these terms; consider alternatives if your itinerary includes that country. Multi-destination trips are allowed; you select the primary destination when you apply.
- Maintain eligibility: coverage applies for services received while you are outside your home country.
- Regulatory compliance: review sanction laws and exclusions to ensure your destination or activities aren’t disallowed.
- Plan choice: pick the version that includes the United States when your trip includes the U.S.; choose the other option when it does not.
Coverage period, renewals, and extensions
Choose a coverage window that fits your trip. You can buy protection for as few as 5 days or for up to 364 days in one continuous term. This flexibility suits short visits and longer stays alike.
Extending your term is simple. Log into the WorldTrips Client Zone and add days using a credit card. Extensions keep the same deductible, coinsurance, and benefit limits as long as coverage remains continuous.
If you reach the 364 days maximum and continue traveling, you must purchase a new plan. A new insurance policy starts fresh: limits and deductibles reset and should be chosen to match your current needs.
Plan effective dates and termination follow your selected start and end times. Align start dates with flight departures and visa rules to avoid gaps. Set reminders and extend before expiry to prevent lapses.
| Feature | Action | Effect |
|---|---|---|
| Extension method | WorldTrips Client Zone; credit card | Seamless continuation without resetting limits |
| Maximum single term | Up to 364 days | After 364 days, new policy required (limits reset) |
| Documentation | ID cards and certificates update after extension | Providers can verify coverage directly |
Evaluate needs during long stays. You may need a higher maximum or different deductible when buying a new term. Note that incident timing rules remain bound to the active certificate period.
Policy maximums and deductible options
Your selected maximum and deductible determine how much the plan pays and how much you pay out of pocket.
Overall medical limits vary by age band. For most applicants the available maximums range from $50,000 up to $2,000,000. Travelers aged 65–79 may select $50,000 or $100,000. Those 80 and older are limited to $10,000.
How the deductible works
Deductibles apply per certificate period. Options are $0, $100, $250, $500, $1,000, $2,500, and $5,000. A lower deductible raises premiums but cuts your initial out‑of‑pocket costs. A higher deductible lowers premiums and raises your exposure for the first dollar of care.
Choosing limits and deductibles
- Policy maximum: this is the cumulative cap on eligible medical benefits during the certificate period. Once the maximum is reached, no further medical benefits are payable.
- Frequent-care risk or chronic conditions often favor a $0 or low deductible. Low expected use may support a higher deductible.
- Some U.S. copays (for example, a $15 urgent care fee) may be waived when a $0 deductible is selected.
- Coinsurance pays 100% of eligible expenses after the deductible up to your elected maximum.
| Age band | Available maximums | Common deductible choices |
|---|---|---|
| Under 65 | $50,000 – $2,000,000 | $0, $100, $250, $500, $1,000, $2,500, $5,000 |
| 65–79 | $50,000 or $100,000 | $0, $250, $500, $1,000, $2,500, $5,000 |
| 80+ | $10,000 | $0, $250, $500, $1,000 |
Practical tip: weigh expected U.S. medical costs, trip length, and age when selecting a maximum and deductible. Non‑medical benefits such as repatriation may have separate limits and do not count against the medical maximum.
Coinsurance and how eligible expenses are paid
Coinsurance explains how costs split between you and the plan once your deductible is met.
How payment works: This plan pays 100% of eligible expenses after you meet your deductible, up to the elected overall maximum limit. That applies both inside and outside the UnitedHealthcare PPO network.
Using a PPO provider can lower billed charges because of negotiated rates. Lower billed amounts reduce your out-of-pocket exposure even though coinsurance remains 100% after the deductible.
Many in-network U.S. providers bill WorldTrips directly. You remain responsible for the deductible and any applicable copays, such as emergency room or urgent care fees.
- Present your ID card and the provider will verify eligibility.
- Services are rendered, the provider submits a claim to the administrator, and an EOB is issued.
- Pre-certify hospital admissions through 24/7 assistance when possible to smooth claims handling.
Keep receipts and medical records for any out-of-network or out-of-country claims submission. Note that the physician bedside visit benefit has a separate cap (for example, $1,500) that may not be subject to the deductible.
| Item | What happens | Why it matters |
|---|---|---|
| Coinsurance | Plan pays 100% after deductible | Limits your share once deductible met, up to maximum |
| PPO use | Negotiated rates lower billed charges | Reduces actual dollar exposure at point of care |
| Direct billing | In-network providers often bill administrator | Minimizes your need to advance full payment |
| Copays | ER and urgent care copays may apply | Copays can be separate from deductible rules |
Read your certificate for definitions of “eligible expenses” and “usual, reasonable and customary.” Benefit payments stop when the elected overall maximum limit is reached for the certificate period.
Core medical benefits and limits
Understand what the policy pays for when you need a hospital room, emergency care, or follow‑up therapy.
Inpatient hospital room and board are covered at the average semi‑private rate and include standard nursing services. Intensive care unit services are also eligible and paid up to your elected overall maximum limit.
Hospital room, ICU, and physician bedside visits
Physician visits during an admission are covered. Bedside physician visit benefits pay up to $1,500 and are not subject to the deductible.
Emergency room and urgent care copays in the United States
For emergency room care in the U.S., a $200 copay applies to illness‑related ER visits unless you are admitted. Treatment for an injury carries no ER copay.
Urgent care visits in the U.S. require a $15 copay. That fee is waived if you selected a $0 deductible on your policy.
Outpatient therapy, chiropractic care, and emergency dental
Outpatient physical therapy and chiropractic services are payable up to $50 per day to support recovery after an injury or surgery.
Emergency dental treatment for acute pain or injury is covered up to $300 and is not subject to the deductible.
- Use UnitedHealthcare PPO providers when possible for lower contracted rates and potential direct billing.
- Pre‑authorize procedures when required to confirm medical necessity and avoid claim denials.
- Carry your ID card and be ready to pay deductibles or copays at the point of service.
Emergency medical evacuation and repatriation
When a serious medical event occurs abroad, coordinated evacuation can move you to the nearest facility that can provide proper care. This section explains limits, when services apply, and how to get help fast.
Evacuation limits and when it applies
Emergency medical evacuation applies when medically necessary transport is required to reach an adequate facility. The plan offers a generous evacuation limit of $1,000,000 lifetime maximum except for separate acute‑onset rules.
Repatriation and local arrangements
Repatriation of remains is paid up to your elected overall maximum and is not subject to deductible or coinsurance. Local burial or cremation is covered up to $5,000 lifetime to help families manage logistics.
- Political evacuation: up to $100,000 lifetime for qualifying events, coordinated by the assistance team.
- Crisis Response rider: can extend protection up to $90,000 per certificate period, including a $10,000 cap for natural disaster evacuation.
- Pre‑existing condition medical evacuation: a separate $25,000 lifetime limit applies (see Section 9).
Important: Contact the 24/7 assistance center immediately to arrange evacuation or repatriation. Self‑arranged transport may not be covered. Keep your contact details and itinerary current with the administrator to speed coordination. Evacuation decisions rest with your attending physician and the insurer’s medical team to ensure safety.
| Service | Limit | Notes |
|---|---|---|
| Emergency medical evacuation | $1,000,000 lifetime | For medically necessary transport to capable facility |
| Repatriation of remains | Up to elected overall maximum | Not subject to deductible or coinsurance |
| Local burial/cremation | $5,000 lifetime | Covers funeral logistics abroad |
| Political evacuation | $100,000 lifetime | Assistance team coordinates qualifying events |
| Crisis Response rider | $90,000 per certificate ($10,000 natural disaster) | Optional; extends evacuation coverage |
Acute onset of pre-existing conditions
A sudden, severe flare of a known medical problem can qualify for emergency benefits when rules are met. This section explains what counts as an acute onset, who is eligible, and how limits and timing affect coverage.
What qualifies as an acute onset
Acute onset means an unforeseen, rapid recurrence or outbreak of a pre-existing condition that is short in duration and progresses quickly. It must require urgent medical care and not be a gradual decline or congenital worsening.
Eligibility and timing rules
To qualify you must be under age 80 and physically outside your home country when symptoms begin. Seek treatment within 24 hours of the sudden event; delays can void the benefit.
Coverage excludes travel taken against medical advice or travel whose primary purpose is to seek care.
Age-based limits and evacuation
For applicants under 70, an acute onset pre-existing event is covered up to the elected overall maximum. For ages 70–79, coverage is limited to the elected maximum or $100,000, whichever is lower.
Pre-existing condition medical evacuation carries a separate lifetime cap of $25,000 and applies only when evacuation is medically necessary due to a qualifying acute onset.
“Document the exact time symptoms started and obtain ER or urgent care timestamps to support a claim.”
- Keep records: symptom onset time, provider notes, and timestamps.
- Confirm urgent care meets plan rules before elective moves.
- Seniors should choose higher medical maximums when possible.
| Topic | Requirement | Effect |
|---|---|---|
| Definition | Sudden, rapid flare requiring urgent care | Eligible for acute onset pre-existing coverage |
| Timing | Treatment within 24 hours of onset | Delays may void benefit |
| Age limits | Under 80 eligible; special caps 70–79 | Under 70: up to overall max; 70–79: max or $100,000 |
| Evacuation cap | Separate lifetime limit | $25,000 for pre-existing condition evacuation |
Accessing care in the United States: PPO and telehealth
Smart use of network providers and telemedicine helps limit out-of-pocket bills during a U.S. stay. This section explains practical steps to find care, use the UnitedHealthcare PPO, and access Air Doctor telehealth for quick guidance.
UnitedHealthcare PPO network for lower out-of-pocket costs
Locate in-network providers via the UnitedHealthcare search tool before you go. In-network clinics and hospitals have negotiated rates that often lower billed charges for services like the emergency room, labs, imaging, and inpatient room fees.
Present your ID card at check-in so the clinic can verify eligibility and submit claims directly to WorldTrips. Direct billing reduces the need to advance full payment. Always confirm in-network status first to avoid surprise charges.
Air Doctor access and telehealth for U.S. coverage
Policyholders receive two free video doctor visits per policy; policies longer than six months include a third free visit. In the U.S., Air Doctor is limited to telehealth video consults. For in-person care, use the UHC PPO network.
How to book: download the Air Doctor app, register with your policy details, and schedule a video visit. Use telehealth for minor issues, prescription guidance, or triage before visiting urgent care or the ER to help control costs.
Keep records: save receipts, notes, and timestamps for any out-of-network care and submit claims promptly if direct billing was not available.
Costs and pricing examples
Premiums reflect age, selected maximum, and deductible; below are example ranges to guide decisions. Use these figures to estimate monthly or per‑day costs so you can match coverage to your budget and trip length.
Monthly and daily rate illustrations by age and maximum
Sample monthly ranges (assume lower deductible options): 18–29: $50–$105; 60–64: $177–$378; 70–79: $356–$444. An 80+ example: about $528/month with a $10,000 maximum and a $250 deductible.
Daily rates with a $0 deductible (updated Mar 4, 2024) help short‑trip planning: 14–29: $2.13–$4.58/day; 50–59: $6.14–$12.65/day; 70–79: $14.31–$18.05/day; 80+: $21.26/day.
How maximums and deductibles affect your premium
- Higher maximums raise premiums. Choosing a larger medical maximum increases monthly and daily costs.
- Higher deductibles lower premiums. Moving from $0 to $500 or $1,000 can meaningfully reduce the rate.
- Older applicants pay more due to greater risk and limited maximum options at ages 65–79 and 80+.
- Optional riders (personal liability, crisis response, AD&D, device protection) add to the premium.
Practical tip: run multiple quotes and compare how the maximum, deductible, and add‑ons change the monthly and per‑day price. Rates are per person; families can enroll together but pay individually by age and selections.
To model quotes and see current price examples, check a quick comparison tool here: compare plans and rates.
Optional riders and add-on benefits
Several add-ons extend core coverage to include crisis assistance, liability for third parties, and electronic devices.
Additional AD&D: for applicants aged 18–69, this rider can increase accidental death and dismemberment up to your elected medical maximum. The base AD&D is $25,000 for ages 18–69; the rider raises that limit for greater protection.
Liability and crisis support
Personal Liability Rider boosts third‑party injury and property limits up to $75,000. This is helpful when renting property or staying with hosts.
Crisis Response provides emergency assistance, ransom and crisis fees, and lost personal effects coverage. It offers up to $90,000 per certificate period, with a $10,000 cap for natural disaster evacuation.
Devices and adventure sports
Bolt device protection adds up to $2,000 for accidental damage to phones, tablets, and laptops. It includes 24/7 online claims and a global repair network—useful for digital nomads and students.
Many common adventure activities (skiing, snorkeling, hiking) are covered, but extreme sports may be excluded. Always review the certificate for specific exclusions and sublimits.
- Add riders at application time; some cannot be added mid‑term.
- Read policy wording to understand claims steps, limits, and exclusions.
- Pair personal liability and crisis response for extra peace of mind in higher‑risk regions.
Travel benefits beyond medical coverage
If your itinerary is upset by delays, evacuations, or lost documents, specific benefits may help limit costs and hassle.
Trip interruption, delay, and passport/visa support
Trip interruption: If a covered reason forces you to end your trip early, the plan can reimburse up to $10,000 for unused transportation and prepaid expenses.
Travel delay: After a covered delay of 12 hours that forces an overnight stay, the policy pays $100 per day for up to two days to help with meals and lodging.
Lost or stolen passport/visa: Reimbursement for emergency replacement costs is available up to $100.
Political, natural disaster, and border protections
Political evacuation: Coordinated by the assistance team for qualifying events, with a lifetime cap of $100,000.
Natural disaster accommodations: If you must relocate because of a covered disaster, the plan pays up to $250 per day for up to five days to secure temporary lodging.
Border entry protection: Valid B-2 visa holders denied U.S. entry may get up to $500 to help cover return costs.
Family logistics, reunion, and pet return
Return of minor children: If you are hospitalized or evacuated, transport and escort costs to return dependent children home are covered up to $50,000.
Emergency reunion: The policy can fund a family member’s travel to your side, up to $100,000 for a maximum of 15 days.
Pet return: If you’re unable to care for a companion animal due to hospitalization or evacuation, return costs are covered up to $1,000.
| Benefit | Limit | Notes |
|---|---|---|
| Trip interruption | $10,000 | Covered reasons only; not trip cancellation |
| Travel delay | $100/day (max 2 days) | After 12-hour covered delay requiring overnight stay |
| Political evacuation | $100,000 lifetime | Assistance team coordinates response |
| Natural disaster lodging | $250/day (5 days) | Temporary accommodations when displaced |
Important: These are in‑trip benefits, not trip cancellation. Review your certificate for the full list of covered reasons, required documentation, and claim deadlines before you go.
Atlas America vs. Atlas International and Atlas Group
Pick the right Atlas series product by matching coverage to your itinerary. Choose the version that aligns with where you will receive care, how many people need certificates, and how long you’ll be away from home.
Choosing Atlas America when travel includes the United States
Choose Atlas America if any part of your trip touches U.S. soil, including Puerto Rico and the U.S. Virgin Islands. It adds UnitedHealthcare PPO access and U.S.-specific copay rules to help control costs.
Atlas International for travel excluding the U.S.
Select Atlas International when your itinerary does not include the U.S. This option is designed for travelers visiting other countries and offers the same customizable maximums, deductibles, and lengths without U.S. network features.
Atlas Group for teams, organizations, and families
Atlas Group covers cohorts from employers, nonprofits, schools, or family groups for 5 days up to a year. It uses the same benefit structure while simplifying enrollment and premium collection for multiple participants.
- Customizable plans: both individual and group options let you pick maximums, deductibles, and term length to fit risk and budget.
- Group administration: streamlines sign-up while preserving individual benefit limits and claims handling.
- Mixed itineraries: multi-country trips are supported; declare a primary destination at application.
- Purchase limits: the series cannot be bought from certain states and countries (for example, New York, Maryland, Washington State, Canada, Australia).
All three products are administered by WorldTrips and share the same global assistance and claims infrastructure. Confirm home country and incidental coverage rules at application to ensure benefits apply as expected.
Visa, documentation, and how to buy
A clear, printable certificate can simplify embassy appointments and speed visa processing. Official policy documents include an ID card, declaration, and a Certificate of Insurance you can present at consular interviews.
Meeting visa and immigration requirements with policy letters
Printable visa letters and ID cards satisfy many consulates’ proof-of-coverage rules. Request a visa letter when you buy if a consulate asks for specific verbiage.
Tip: keep both digital and printed copies for checkpoints and provider visits. If your itinerary changes, ask the administrator for an updated letter that reflects new dates or destinations.
“Always verify the consulate’s minimum coverage amount and wording before you apply for a visa.”
Simple online application and required information
The online purchase is fast and requires basic data: full name, date of birth, passport number, and travel dates. No medical exam is needed, so policies issue near‑instantly after payment.
Payment and confirmation: pay by credit card and you’ll receive a confirmation email with links to your ID card, declaration, and certificate. Use the Client Zone to add countries, extend coverage, or print documents later.
- List your primary destination at application; add extra countries later via the Client Zone.
- Choose an effective date that matches your consular appointment or departure to avoid gaps.
- Purchase early so embassies have time to process visa requests and to ensure pre-departure coverage.
| Item | What to provide | Why it matters |
|---|---|---|
| Visa letter | Printable document with policy details | Shows consulates required minimum coverage and wording |
| ID card & certificate | Digital and printable files emailed after purchase | Used at border control and medical providers |
| Effective date options | Application acceptance, requested start, or departure time | Aligns coverage with consular timelines and trip start |
| Client Zone edits | Add countries; extend or reissue documents | Keeps records current for visa or claims needs |
Home country coverage and incidental return
Short stays in your home country can be covered, but only when you buy at least three months of protection and meet the rules that follow. Incidental benefits apply during brief returns while your international certificate remains active.
Incidental home country coverage rules for U.S. and non-U.S. home countries
What qualifies: Incidental coverage applies when you briefly return home during a continuous overseas term and did not travel home to seek care.
Minimum purchase: You must buy at least three months of coverage to activate incidental home country benefits.
- U.S. home country: eligible for up to 15 days of medical coverage per three-month period while back in the U.S.
- Non-U.S. home country: eligible for up to 30 days of medical coverage per three-month period while back in that country.
- Unused incidental days do not carry over to the next period; benefits do not accumulate.
Returning home specifically to treat an illness or injury that began abroad will void incidental coverage for that condition. Notify WorldTrips within 15 days if your declared home country changes during the certificate period; the new home rules then apply.
Practical steps: keep clear entry and exit stamps or boarding records to support any claim. Confirm how local providers bill—home country providers may not use the same PPO direct‑billing arrangements as abroad.
Tip: review your certificate wording for the exact definition of “incidental” and eligible expenses before you travel home.
How to file claims and get support
Begin any claim process by seeking care, documenting treatments, and contacting assistance without delay. Prompt action helps preserve coverage and supports faster decisions.
24/7 assistance and PPO direct billing
In an emergency, call WorldTrips’ 24/7 assistance immediately for medical, political, or natural disaster coordination. They arrange urgent transport and advise on next steps.
In the U.S., UnitedHealthcare PPO providers often bill WorldTrips directly. That reduces upfront costs. Out-of-network clinics may require pay-and-claim, so keep receipts.
Filing a claim
- Seek care, present your ID card, and notify assistance when admitted.
- File claims online and attach itemized bills, proof of payment (if paid), medical records, and completed claim forms.
- Keep detailed notes: diagnoses, dates, prescriptions, and provider contact info to show medical necessity.
- Use Air Doctor for included telehealth visits in the U.S.; those require no upfront payment or claim filing.
Track status via the claims portal and respond quickly to requests for more information. If benefits are denied or disputed, review the EOB, submit additional documentation, and follow the appeal steps in your policy. Remember: benefits apply per certificate period; once the overall maximum is reached, no further claims will be paid.
Who benefits most from Atlas America
This plan suits visitors who need clear, U.S.-specific medical access and simple claims handling.
Parents visiting the United States and senior travelers
Parents visiting family gain value from PPO access, predictable copays, and no coinsurance after the deductible. That eases billing and reduces surprise bills at the hospital.
Seniors should note age-based limits for maximums and acute onset rules up to age 80. Choose higher medical maximums if you expect longer stays in the U.S.
OPT students, H1B/H4 holders, and long-stay visitors
Students on OPT and H1B/H4 visa holders benefit from flexible terms, telehealth via Air Doctor, and streamlined PPO billing for lower out-of-pocket costs.
- Purchasing while in the U.S.: some can buy coverage mid‑stay unless they are in restricted purchase locations.
- Long stays: consider higher limits to match U.S. health costs and reduce financial risk.
- Optional riders: personal liability for shared housing, device protection for students, and crisis response for added security.
- Family groups: group certificates simplify management while keeping the same benefits for each traveler.
- Copay note: a $0 deductible can waive the small urgent care copay in many U.S. visits.
Conclusion
Conclusion
Strong backing and clear U.S. network access make this plan a solid choice for visitors who want reliable medical coverage while away from home.
The product pairs an A.M. Best A++ financial rating with UnitedHealthcare PPO access, 24/7 claims support, and often direct billing to reduce out‑of‑pocket stress.
Key protections include a generous emergency medical evacuation limit, repatriation, political evacuation, and travel disruption benefits. Acute onset of a pre‑existing condition has specific age and timing rules—know them before you go.
Customize your policy by selecting the right maximum and deductible and by adding riders like device protection or crisis response.
Buy online for instant documents, extend up to 364 days, then get a quote, compare limits, and secure coverage before departure.
FAQ
Who is Atlas America travel insurance designed for when traveling outside your home country?
The plan targets non-U.S. residents and visitors who will spend time in the United States, as well as U.S. residents who need coverage while away. It suits parents visiting family, students on OPT, H1B/H4 visa holders, and long-stay visitors needing emergency medical, evacuation, and repatriation benefits.
Who administers and underwrites the policy, and what is the financial strength rating?
The product is administered by a specialist travel benefits manager and underwritten by a U.S.-based carrier with an A.M. Best rating that reflects solid financial strength. The administrator handles enrollment, claims intake, and 24/7 assistance while the underwriter backs medical and evacuation benefits.
Who is eligible to buy this plan and are there age limits?
Most non-U.S. residents and temporary U.S. visitors can enroll. Age bands vary; coverage is available for children through seniors, with specific maximums and acute onset limits changing by age. Some benefits reduce or limit eligibility above certain ages—review the policy age bands before purchase.
Are there location restrictions at the time of purchase?
Yes. Residents of certain states and countries may be restricted from buying while physically located there. New York, Maryland, Washington state, Canada, and Australia have specific regulatory rules that can limit sales or require alternative products.
Can I travel to Iran or other ineligible destinations with coverage?
Travel to Iran and other sanctioned or excluded countries typically voids coverage. The policy lists ineligible destinations and high-risk scenarios; coverage does not apply for travel to locations excluded by the underwriter or where travel is prohibited by government advisories.
How long can I buy coverage for and what are renewal options?
You can purchase coverage from as short as five days up to 364 days in a single term. Some plans allow renewal or extension without resetting certain limits, but renewals may be subject to underwriting and age-band changes.
How do I extend coverage without resetting limits?
Extensions while still abroad can be allowed if requested before the policy expires and approved by the administrator. If approved, benefit maximums and deductible choices typically continue, though cumulative limits may apply. Always request extensions early to avoid gaps.
What are the overall maximums and how do they vary by age?
Overall maximum limits range up to ,000,000 depending on the plan and age band. Higher maximums are available for younger travelers, while older age bands may have lower caps or additional restrictions. Review the schedule of benefits for age-based limits.
What deductible options exist and how do they affect claims?
Deductible choices generally range from
FAQ
Who is Atlas America travel insurance designed for when traveling outside your home country?
The plan targets non-U.S. residents and visitors who will spend time in the United States, as well as U.S. residents who need coverage while away. It suits parents visiting family, students on OPT, H1B/H4 visa holders, and long-stay visitors needing emergency medical, evacuation, and repatriation benefits.
Who administers and underwrites the policy, and what is the financial strength rating?
The product is administered by a specialist travel benefits manager and underwritten by a U.S.-based carrier with an A.M. Best rating that reflects solid financial strength. The administrator handles enrollment, claims intake, and 24/7 assistance while the underwriter backs medical and evacuation benefits.
Who is eligible to buy this plan and are there age limits?
Most non-U.S. residents and temporary U.S. visitors can enroll. Age bands vary; coverage is available for children through seniors, with specific maximums and acute onset limits changing by age. Some benefits reduce or limit eligibility above certain ages—review the policy age bands before purchase.
Are there location restrictions at the time of purchase?
Yes. Residents of certain states and countries may be restricted from buying while physically located there. New York, Maryland, Washington state, Canada, and Australia have specific regulatory rules that can limit sales or require alternative products.
Can I travel to Iran or other ineligible destinations with coverage?
Travel to Iran and other sanctioned or excluded countries typically voids coverage. The policy lists ineligible destinations and high-risk scenarios; coverage does not apply for travel to locations excluded by the underwriter or where travel is prohibited by government advisories.
How long can I buy coverage for and what are renewal options?
You can purchase coverage from as short as five days up to 364 days in a single term. Some plans allow renewal or extension without resetting certain limits, but renewals may be subject to underwriting and age-band changes.
How do I extend coverage without resetting limits?
Extensions while still abroad can be allowed if requested before the policy expires and approved by the administrator. If approved, benefit maximums and deductible choices typically continue, though cumulative limits may apply. Always request extensions early to avoid gaps.
What are the overall maximums and how do they vary by age?
Overall maximum limits range up to $2,000,000 depending on the plan and age band. Higher maximums are available for younger travelers, while older age bands may have lower caps or additional restrictions. Review the schedule of benefits for age-based limits.
What deductible options exist and how do they affect claims?
Deductible choices generally range from $0 to $5,000. A higher deductible lowers premium cost but increases out-of-pocket expense before the insurer pays eligible expenses. Deductibles apply per period of coverage or per policy year as specified in the policy.
How does coinsurance work and how are eligible expenses paid?
After meeting the deductible, coinsurance requires you to pay a percentage of eligible charges while the plan pays the remainder, or vice versa depending on the plan terms. Coinsurance and maximums determine your out-of-pocket exposure for hospital, physician, and outpatient services.
What core medical benefits are included for hospital stays and physician visits?
The policy covers hospital room and board, ICU charges, physician services, and inpatient procedures up to stated limits. Coverage includes medically necessary hospitalization while abroad and follows the benefit schedule for daily or per-visit caps.
Are emergency room and urgent care copays required in the United States?
Yes. When care is received in the U.S., emergency room and urgent care visits often carry specific copay amounts. Copays apply in addition to deductibles and coinsurance, and they vary by plan and provider type.
Does the plan cover outpatient therapy, chiropractic treatment, and emergency dental?
Limited outpatient therapy and chiropractic services are covered within specified visit limits. Emergency dental coverage typically includes treatment for sudden pain or injury to sound natural teeth, subject to benefit caps and deductible/coinsurance rules.
What emergency medical evacuation and repatriation benefits are available?
Evacuation coverage provides coordination and transport to the nearest adequate medical facility or home country when local care is insufficient, with lifetime evacuation limits up to $1,000,000 on some plans. Repatriation of remains or local burial/cremation is included under separate limits for death benefits.
How does the pre-existing condition acute onset provision work?
An acute onset of a pre-existing condition refers to a sudden and unexpected flare or complication that occurs without warning. Coverage for acute onset is age-limited and requires that the event be sudden, medically necessary, and treated promptly. Specific dollar limits and timing rules apply; read the definition and exclusions carefully.
Is there a medical evacuation benefit specifically for pre-existing conditions?
Yes. If an acute onset of a pre-existing condition meets the policy definition, evacuation benefits may cover transport to an appropriate facility or repatriation, subject to the acute onset limits and overall evacuation maximum.
How can I access care in the United States to reduce out-of-pocket costs?
Using the UnitedHealthcare PPO network typically lowers out-of-pocket expenses through negotiated rates and direct billing. The plan also offers telehealth options and provider access services such as Air Doctor for expedited referrals and virtual consultations.
What telehealth and Air Doctor services are included for U.S. coverage?
Telehealth provides virtual consultations that can handle urgent issues and follow-ups. Air Doctor or equivalent provider-access services help locate specialists, arrange appointments, and assist with referrals to reduce delays and costs while in the U.S.
How do premiums change with different maximums and deductibles?
Higher maximums and lower deductibles increase premiums. Conversely, selecting a higher deductible or lower overall maximum reduces cost. Rate examples are provided by age band and benefit level to illustrate monthly or daily pricing differences.
Are optional riders available, such as AD&D or personal liability?
Optional riders may include additional accidental death & dismemberment (AD&D), personal liability, crisis response, and device protection for smartphones, tablets, and laptops. Availability and pricing vary by plan and underwriting rules.
Is adventure sports coverage available and what exclusions apply?
Adventure sports eligibility depends on the activity and chosen rider. High-risk sports may be excluded or require an additional premium. Check the policy for specific activity lists and exclusions.
What non-medical travel benefits are included beyond medical coverage?
The policy can include trip interruption, travel delay, lost passport or visa assistance, political evacuation, natural disaster coverage, return of minor children, emergency reunion, and pet return services under separate benefit limits.
How does Atlas America differ from international or group offerings?
This product focuses on travel that includes the United States. International variants exclude the U.S. and carry different benefits and networks. Group or family plans under the group program provide tailored coverage and limits for teams, organizations, or families traveling together.
Will this policy satisfy visa and immigration documentation requirements?
Yes. The plan can provide confirmation letters and policy documents required for visa and immigration applications. Ensure the selected maximums and benefit types meet consulate specifications before purchase.
How do I apply online and what information is required?
Applications are completed online using personal details, travel dates, destination, home country, and medical history relevant to pre-existing conditions. Payment and electronic policy documents are issued upon approval.
Is there incidental home country coverage for U.S. and non-U.S. residents?
Incidental return coverage allows limited benefits for brief returns to your home country while the policy remains in force. Rules differ for U.S. residents versus non-U.S. residents, so verify the incidental home country days and restrictions in the policy.
How do I file a claim and get support during an emergency?
Claims start with the 24/7 assistance line to coordinate care and direct-bill when possible. Submit claim forms, itemized bills, and medical records to the claims administrator. PPO direct billing reduces upfront costs when using network providers.
Who benefits most from this plan?
Primary beneficiaries include parents visiting the U.S., senior travelers needing acute onset protection, OPT students, H1B/H4 visa holders, long-stay visitors, and anyone requiring evacuation and repatriation coverage while outside their home country.
to ,000. A higher deductible lowers premium cost but increases out-of-pocket expense before the insurer pays eligible expenses. Deductibles apply per period of coverage or per policy year as specified in the policy.
How does coinsurance work and how are eligible expenses paid?
After meeting the deductible, coinsurance requires you to pay a percentage of eligible charges while the plan pays the remainder, or vice versa depending on the plan terms. Coinsurance and maximums determine your out-of-pocket exposure for hospital, physician, and outpatient services.
What core medical benefits are included for hospital stays and physician visits?
The policy covers hospital room and board, ICU charges, physician services, and inpatient procedures up to stated limits. Coverage includes medically necessary hospitalization while abroad and follows the benefit schedule for daily or per-visit caps.
Are emergency room and urgent care copays required in the United States?
Yes. When care is received in the U.S., emergency room and urgent care visits often carry specific copay amounts. Copays apply in addition to deductibles and coinsurance, and they vary by plan and provider type.
Does the plan cover outpatient therapy, chiropractic treatment, and emergency dental?
Limited outpatient therapy and chiropractic services are covered within specified visit limits. Emergency dental coverage typically includes treatment for sudden pain or injury to sound natural teeth, subject to benefit caps and deductible/coinsurance rules.
What emergency medical evacuation and repatriation benefits are available?
Evacuation coverage provides coordination and transport to the nearest adequate medical facility or home country when local care is insufficient, with lifetime evacuation limits up to
FAQ
Who is Atlas America travel insurance designed for when traveling outside your home country?
The plan targets non-U.S. residents and visitors who will spend time in the United States, as well as U.S. residents who need coverage while away. It suits parents visiting family, students on OPT, H1B/H4 visa holders, and long-stay visitors needing emergency medical, evacuation, and repatriation benefits.
Who administers and underwrites the policy, and what is the financial strength rating?
The product is administered by a specialist travel benefits manager and underwritten by a U.S.-based carrier with an A.M. Best rating that reflects solid financial strength. The administrator handles enrollment, claims intake, and 24/7 assistance while the underwriter backs medical and evacuation benefits.
Who is eligible to buy this plan and are there age limits?
Most non-U.S. residents and temporary U.S. visitors can enroll. Age bands vary; coverage is available for children through seniors, with specific maximums and acute onset limits changing by age. Some benefits reduce or limit eligibility above certain ages—review the policy age bands before purchase.
Are there location restrictions at the time of purchase?
Yes. Residents of certain states and countries may be restricted from buying while physically located there. New York, Maryland, Washington state, Canada, and Australia have specific regulatory rules that can limit sales or require alternative products.
Can I travel to Iran or other ineligible destinations with coverage?
Travel to Iran and other sanctioned or excluded countries typically voids coverage. The policy lists ineligible destinations and high-risk scenarios; coverage does not apply for travel to locations excluded by the underwriter or where travel is prohibited by government advisories.
How long can I buy coverage for and what are renewal options?
You can purchase coverage from as short as five days up to 364 days in a single term. Some plans allow renewal or extension without resetting certain limits, but renewals may be subject to underwriting and age-band changes.
How do I extend coverage without resetting limits?
Extensions while still abroad can be allowed if requested before the policy expires and approved by the administrator. If approved, benefit maximums and deductible choices typically continue, though cumulative limits may apply. Always request extensions early to avoid gaps.
What are the overall maximums and how do they vary by age?
Overall maximum limits range up to $2,000,000 depending on the plan and age band. Higher maximums are available for younger travelers, while older age bands may have lower caps or additional restrictions. Review the schedule of benefits for age-based limits.
What deductible options exist and how do they affect claims?
Deductible choices generally range from $0 to $5,000. A higher deductible lowers premium cost but increases out-of-pocket expense before the insurer pays eligible expenses. Deductibles apply per period of coverage or per policy year as specified in the policy.
How does coinsurance work and how are eligible expenses paid?
After meeting the deductible, coinsurance requires you to pay a percentage of eligible charges while the plan pays the remainder, or vice versa depending on the plan terms. Coinsurance and maximums determine your out-of-pocket exposure for hospital, physician, and outpatient services.
What core medical benefits are included for hospital stays and physician visits?
The policy covers hospital room and board, ICU charges, physician services, and inpatient procedures up to stated limits. Coverage includes medically necessary hospitalization while abroad and follows the benefit schedule for daily or per-visit caps.
Are emergency room and urgent care copays required in the United States?
Yes. When care is received in the U.S., emergency room and urgent care visits often carry specific copay amounts. Copays apply in addition to deductibles and coinsurance, and they vary by plan and provider type.
Does the plan cover outpatient therapy, chiropractic treatment, and emergency dental?
Limited outpatient therapy and chiropractic services are covered within specified visit limits. Emergency dental coverage typically includes treatment for sudden pain or injury to sound natural teeth, subject to benefit caps and deductible/coinsurance rules.
What emergency medical evacuation and repatriation benefits are available?
Evacuation coverage provides coordination and transport to the nearest adequate medical facility or home country when local care is insufficient, with lifetime evacuation limits up to $1,000,000 on some plans. Repatriation of remains or local burial/cremation is included under separate limits for death benefits.
How does the pre-existing condition acute onset provision work?
An acute onset of a pre-existing condition refers to a sudden and unexpected flare or complication that occurs without warning. Coverage for acute onset is age-limited and requires that the event be sudden, medically necessary, and treated promptly. Specific dollar limits and timing rules apply; read the definition and exclusions carefully.
Is there a medical evacuation benefit specifically for pre-existing conditions?
Yes. If an acute onset of a pre-existing condition meets the policy definition, evacuation benefits may cover transport to an appropriate facility or repatriation, subject to the acute onset limits and overall evacuation maximum.
How can I access care in the United States to reduce out-of-pocket costs?
Using the UnitedHealthcare PPO network typically lowers out-of-pocket expenses through negotiated rates and direct billing. The plan also offers telehealth options and provider access services such as Air Doctor for expedited referrals and virtual consultations.
What telehealth and Air Doctor services are included for U.S. coverage?
Telehealth provides virtual consultations that can handle urgent issues and follow-ups. Air Doctor or equivalent provider-access services help locate specialists, arrange appointments, and assist with referrals to reduce delays and costs while in the U.S.
How do premiums change with different maximums and deductibles?
Higher maximums and lower deductibles increase premiums. Conversely, selecting a higher deductible or lower overall maximum reduces cost. Rate examples are provided by age band and benefit level to illustrate monthly or daily pricing differences.
Are optional riders available, such as AD&D or personal liability?
Optional riders may include additional accidental death & dismemberment (AD&D), personal liability, crisis response, and device protection for smartphones, tablets, and laptops. Availability and pricing vary by plan and underwriting rules.
Is adventure sports coverage available and what exclusions apply?
Adventure sports eligibility depends on the activity and chosen rider. High-risk sports may be excluded or require an additional premium. Check the policy for specific activity lists and exclusions.
What non-medical travel benefits are included beyond medical coverage?
The policy can include trip interruption, travel delay, lost passport or visa assistance, political evacuation, natural disaster coverage, return of minor children, emergency reunion, and pet return services under separate benefit limits.
How does Atlas America differ from international or group offerings?
This product focuses on travel that includes the United States. International variants exclude the U.S. and carry different benefits and networks. Group or family plans under the group program provide tailored coverage and limits for teams, organizations, or families traveling together.
Will this policy satisfy visa and immigration documentation requirements?
Yes. The plan can provide confirmation letters and policy documents required for visa and immigration applications. Ensure the selected maximums and benefit types meet consulate specifications before purchase.
How do I apply online and what information is required?
Applications are completed online using personal details, travel dates, destination, home country, and medical history relevant to pre-existing conditions. Payment and electronic policy documents are issued upon approval.
Is there incidental home country coverage for U.S. and non-U.S. residents?
Incidental return coverage allows limited benefits for brief returns to your home country while the policy remains in force. Rules differ for U.S. residents versus non-U.S. residents, so verify the incidental home country days and restrictions in the policy.
How do I file a claim and get support during an emergency?
Claims start with the 24/7 assistance line to coordinate care and direct-bill when possible. Submit claim forms, itemized bills, and medical records to the claims administrator. PPO direct billing reduces upfront costs when using network providers.
Who benefits most from this plan?
Primary beneficiaries include parents visiting the U.S., senior travelers needing acute onset protection, OPT students, H1B/H4 visa holders, long-stay visitors, and anyone requiring evacuation and repatriation coverage while outside their home country.
,000,000 on some plans. Repatriation of remains or local burial/cremation is included under separate limits for death benefits.
How does the pre-existing condition acute onset provision work?
An acute onset of a pre-existing condition refers to a sudden and unexpected flare or complication that occurs without warning. Coverage for acute onset is age-limited and requires that the event be sudden, medically necessary, and treated promptly. Specific dollar limits and timing rules apply; read the definition and exclusions carefully.
Is there a medical evacuation benefit specifically for pre-existing conditions?
Yes. If an acute onset of a pre-existing condition meets the policy definition, evacuation benefits may cover transport to an appropriate facility or repatriation, subject to the acute onset limits and overall evacuation maximum.
How can I access care in the United States to reduce out-of-pocket costs?
Using the UnitedHealthcare PPO network typically lowers out-of-pocket expenses through negotiated rates and direct billing. The plan also offers telehealth options and provider access services such as Air Doctor for expedited referrals and virtual consultations.
What telehealth and Air Doctor services are included for U.S. coverage?
Telehealth provides virtual consultations that can handle urgent issues and follow-ups. Air Doctor or equivalent provider-access services help locate specialists, arrange appointments, and assist with referrals to reduce delays and costs while in the U.S.
How do premiums change with different maximums and deductibles?
Higher maximums and lower deductibles increase premiums. Conversely, selecting a higher deductible or lower overall maximum reduces cost. Rate examples are provided by age band and benefit level to illustrate monthly or daily pricing differences.
Are optional riders available, such as AD&D or personal liability?
Optional riders may include additional accidental death & dismemberment (AD&D), personal liability, crisis response, and device protection for smartphones, tablets, and laptops. Availability and pricing vary by plan and underwriting rules.
Is adventure sports coverage available and what exclusions apply?
Adventure sports eligibility depends on the activity and chosen rider. High-risk sports may be excluded or require an additional premium. Check the policy for specific activity lists and exclusions.
What non-medical travel benefits are included beyond medical coverage?
The policy can include trip interruption, travel delay, lost passport or visa assistance, political evacuation, natural disaster coverage, return of minor children, emergency reunion, and pet return services under separate benefit limits.
How does Atlas America differ from international or group offerings?
This product focuses on travel that includes the United States. International variants exclude the U.S. and carry different benefits and networks. Group or family plans under the group program provide tailored coverage and limits for teams, organizations, or families traveling together.
Will this policy satisfy visa and immigration documentation requirements?
Yes. The plan can provide confirmation letters and policy documents required for visa and immigration applications. Ensure the selected maximums and benefit types meet consulate specifications before purchase.
How do I apply online and what information is required?
Applications are completed online using personal details, travel dates, destination, home country, and medical history relevant to pre-existing conditions. Payment and electronic policy documents are issued upon approval.
Is there incidental home country coverage for U.S. and non-U.S. residents?
Incidental return coverage allows limited benefits for brief returns to your home country while the policy remains in force. Rules differ for U.S. residents versus non-U.S. residents, so verify the incidental home country days and restrictions in the policy.
How do I file a claim and get support during an emergency?
Claims start with the 24/7 assistance line to coordinate care and direct-bill when possible. Submit claim forms, itemized bills, and medical records to the claims administrator. PPO direct billing reduces upfront costs when using network providers.
Who benefits most from this plan?
Primary beneficiaries include parents visiting the U.S., senior travelers needing acute onset protection, OPT students, H1B/H4 visa holders, long-stay visitors, and anyone requiring evacuation and repatriation coverage while outside their home country.