Get Atlas Travel Insurance USA for Your Next Trip

Have you ever wondered how to avoid crippling medical bills during a short stay in the United States without sacrificing care?

This plan from WorldTrips—backed by an A++ AM Best rating and underwritten by TMHCC Insurance SPC Ltd and Houston Casualty Company—offers focused travel medical protection for international visitors to the United States.

The policy runs from 5 to 364 days, is extendable online, and connects you to the UnitedHealthcare PPO network for in‑network negotiated rates, direct billing, and no coinsurance after the deductible on eligible care.

Key benefits include strong hospital and physician coverage, evacuation/repatriation limits, acute onset of pre‑existing condition coverage under age 80, and add‑ons like bolt device protection and Air Doctor telehealth visits.

Note practical limits: purchase restrictions for certain states and countries, age‑based maximums, and exclusions for some destinations. Compare maximums and deductibles to match your budget and risk, then enroll online for instant documentation.

Key Takeaways

• Strong financial backing: WorldTrips with A++ AM Best underwriters.
• Flexible durations (5–364 days) and easy online extensions.
• UnitedHealthcare PPO access for lower billed costs and direct billing.
• Acute onset coverage under age 80 and evacuation limits noted.
• Value adds: Air Doctor telehealth and optional device protection.
• Check purchase and destination restrictions before you buy.

Atlas Travel Insurance USA at a Glance

Here’s a concise snapshot of the Atlas America and Atlas Travel plan features.

Underwriting and strength: WorldTrips administers the Atlas series, underwritten by TMHCC Insurance SPC Ltd and Houston Casualty Company with an A++ AM Best rating for financial stability.

Coverage runs from 5 to 364 days, is extendable online, and requires no medical exam. You can buy instantly and get documentation right away.

The plan gives access to the UnitedHealthcare PPO network for direct billing and negotiated rates. In-network care has no coinsurance after the deductible on eligible expenses.

Core benefits include hospitalization, ICU, ER, urgent care (a $15 copay that is waived with a $0 deductible), physician visits, outpatient PT/chiro, and emergency dental for new injuries or illnesses.

Built-in protections cover emergency medical evacuation and repatriation, trip interruption up to $10,000, political or natural disaster evacuation, terrorism benefits, and a base personal liability of $25,000 (optional rider to $75,000).

• Select your plan maximum and deductible to control cost.
• Add services like Air Doctor telehealth and bolt device protection for U.S. trips.
• Available to travelers outside their home country; purchase restrictions apply for certain locations.

Who Atlas America and Atlas Travel Plans Are Best For

Short-term medical protection often fills gaps when visitors or new residents need care but lack employer or school coverage.

Parents and older relatives

Atlas America and its companion option work well for parents and older relatives coming for a visit. Flexible durations and age-based maximums help manage cost and risk.

Acute onset of pre-existing conditions is covered under age 80, which gives families extra peace of mind.

Students and temporary workers

Students on OPT and H1/H4 visa holders often need short-term health coverage when other options lapse. These plans let them buy coverage even after arriving in the country, so enrollment isn’t limited to a narrow post-arrival window.

• No coinsurance after the deductible when you use the UnitedHealthcare PPO network, simplifying family budgeting for care.
• Coverage includes many common adventure sports (extreme activities excluded) and pregnancy complications during the first 26 weeks.
• Group enrollment on one application makes it easy for families traveling together to sign up.

Choose plan maximums that match age and expected needs to balance premium and protection during your stay outside the home country.

Coverage You Can Rely On: AM Best A++ Rating and Underwriting

Strong underwriters and clear claims rules give you confidence when seeking care away from home.

Superior financial backing: The plan carries an AM Best A++ (Superior) rating, signaling high claims‑paying ability and long‑term stability. That rating reduces risk for policyholders and supports timely claim settlement.

Underwriters: TMHCC Insurance SPC Ltd and Houston Casualty Company

Two established carriers underwrite the policy: TMHCC Insurance SPC Ltd and Houston Casualty Company. Their involvement reinforces the plan’s solvency and the reliability of benefits.

How the Secondary (Excess) Design Works

The policy functions as secondary (excess) coverage. It pays eligible expenses only after any other valid and collectible insurance has paid.

Policy maximum explained: The maximum is the total aggregate dollar cap for all covered expenses during the certificate period. Once the maximum is reached, no further benefits are payable.

• Expect primary carriers (employer or card benefits) to pay first.
• Atlas steps in to cover remaining eligible balances up to the policy maximum.
• This structure helps avoid duplicate payments while preserving the overall cap.

Plan Duration, Eligibility, and Availability

Pick a protection window that matches your trip. Choose coverage from five days up to 364 days, and extend online before expiration. The system sends reminder emails so you won’t miss a renewal.

Who can buy: You must purchase while physically outside your home country. The plan cannot be bought from certain locations — New York, Maryland, Washington state, Canada, Australia, or Iran. Travel to Iran is also excluded.

Age and timing rules

If you buy the plan at age 79 and turn 80 during the term, your original coverage stays in force under the same terms.

Practical tips

• Align your coverage window with visa dates, flight itineraries, and any U.S. side trips.
• Pick a plan maximum and deductible that match trip length and personal health risk to control costs.
• Have ID and passport details ready for quick online enrollment and eligibility checks.

UnitedHealthcare PPO Network Access Across the U.S.

Using a national PPO can make U.S. medical visits faster and far less costly for visitors.

Why use the UnitedHealthcare PPO? The network gives broad access to hospitals and physicians across the united states. Members benefit from direct billing and negotiated fees that lower what providers charge.

Lower out-of-pocket costs: Visiting a PPO provider usually reduces upfront payments and cuts surprise bills. Eligible expenses are paid at 100% after the deductible per plan guidelines, so in-network care offers predictable pricing.

How to find an in-network doctor or hospital

Use the Find Provider Network tool before you go. Save provider directions and your digital ID card to streamline check-in.

• Carry your digital ID and provider search instructions to every appointment.
• Urgent care copay in the U.S. is just $15 (waived with a $0 deductible).
• Contact assistance services if you need help locating an in-network facility during an emergency.

How Atlas America Pricing Works

Costs vary mainly with age, the chosen maximum, and the deductible.

Pricing depends on three simple choices: your age group, the policy maximum, and the deductible you accept. These set the trade-off between monthly premium and potential out‑of‑pocket expenses.

Monthly cost ranges by age and chosen maximum

Representative monthly ranges help set expectations by years and maximum limits.

• Age 18–29: about $50 ( $50,000 maximum) to $105 ( $2,000,000 maximum).
• Age 30–39: roughly $60 to $117.
• Age 40–49: about $78 to $154.
• Age 50–59: about $131 to $261.
• Age 60–64: about $177 to $378.
• Age 65–69: about $206 to $258.
• Age 70–79: about $356 to $444.
• Age 80–99: typically $528 with a $10,000 maximum and $250 deductible.

How deductibles influence your premium

Higher deductibles lower monthly cost. Choosing $1,000 vs. $250 can cut the premium noticeably. A $0 deductible limits out‑of‑pocket payments at care but raises the monthly rate.

Older travelers generally pay more because expected medical expenses rise with age. Picking a lower maximum reduces premiums for budget buyers, but also limits total protection.

Compare scenarios — for example, a $100,000 maximum versus $500,000 — against likely U.S. hospital costs and trip length. Use this comparison to balance affordability and adequate coverage.

For details and a quick quote on how Atlas America pricing works, see this guide.

Policy Maximums and Deductible Options

Choose a policy maximum that matches your health risk and budget. Limits span from modest caps to high catastrophic protection so you can tailor the plan to your needs.

Maximum limits and age rules

Maximums range from $10,000 up to $2,000,000. Younger applicants can select the highest limits for broad protection.

For ages 65–79, available maximums are typically $50,000 or $100,000. If you are 80 or older, the only eligible maximum is $10,000.

Deductible choices and how they affect cost

Deductibles available: $0, $100, $250, $500, $1,000, $2,500, and $5,000. A higher deductible lowers your premium but raises what you pay at the time of care.

The chosen deductible applies first; once it is met, eligible in‑network expenses are paid at 100% per plan rules.

• Remember: the policy maximum is cumulative — once the maximum is reached, no further benefits are payable during the policy period.
• Younger travelers often pick higher maximums for catastrophic events. Older travelers may choose lower maximums to balance premium and realistic needs.
• Consider pairing a moderate deductible (for example, $250–$500) with a mid‑to‑high maximum for comprehensive yet affordable coverage.

This insurance plan gives clear choices so you can match price and protection for your years away from home. Choose wisely for the best travel medical and medical insurance fit.

Core Medical Benefits for Care in the United States

Know what care is paid and how cost sharing works so you can get treatment quickly and avoid surprise bills.

Inpatient care: Hospital room and board are covered at an average semi‑private rate, including nursing services. ICU charges are covered up to the policy’s overall maximum for eligible conditions.

Hospital, ER, urgent care, and physician visits

For emergency medical visits to the ER in the U.S., a $200 copay applies for illness if you are not admitted. There is no copay for injury treatment or for ER claims filed outside the U.S.

Urgent care visits in the United States carry a low $15 copay. That copay is waived if you select a $0 deductible on your plan.

Physician bedside visits have a benefit limit up to $1,500 and are not subject to the deductible, which helps control immediate out-of-pocket expenses.

Outpatient therapy, chiropractic care, and dental

Outpatient physical therapy and chiropractic care are covered up to $50 per day to support recovery after an injury.

Emergency dental benefits for acute pain or injury pay up to $300 and are not subject to the deductible.

Local ambulance coverage is paid at usual, reasonable, and customary rates when the transport results in hospitalization. Most eligible PPO services are paid at 100% after the deductible, which lowers ongoing medical expenses.

• Use PPO providers for direct billing and predictable pricing.
• Confirm provider network status before care to reduce surprise bills.
• Keep receipts and itemized bills when filing claims for quicker reimbursement.

Emergency Medical Evacuation and Repatriation of Remains

If local care can’t meet your needs, emergency medical evacuation arranges transport to the nearest appropriate facility or back home when medically necessary. The service includes coordination of flights, stretcher ambulances, and medical escorts to protect your health during transfer.

Key limits: evacuation services carry a $1,000,000 lifetime maximum for medical evacuation, except where acute onset of a pre-existing condition applies. For evacuations tied to a pre-existing condition the lifetime cap is $25,000.

Repatriation of remains is paid up to the elected overall maximum. This benefit is not subject to deductible or coinsurance and covers costs related to death overseas, including preparation and transport.

Non-medical moves differ: political evacuation has a $100,000 lifetime limit, and natural disaster evacuation provides up to $250 per day for five days. An optional Crisis Response rider boosts non-medical disaster evacuation up to $90,000 with an additional $10,000 for disaster transport.

“When minutes matter, 24/7 coordination gets you the right care fast.”

• 24/7 assistance coordinates flights, medical escorts, and receiving facilities.
• Keep emergency contacts and your policy number handy to speed logistics.

Trip Interruption, Travel Delay, and Additional Travel Benefits

If you must cut a trip short for a covered reason, the right benefits can cover return travel and related costs.

Trip interruption: The plan pays up to $10,000 to help cover return transportation and reasonable extra expenses when a covered event forces you to end your trip early.

Delay protection and immediate support

Travel delay assistance provides $100 per day for lodging and meals after a 12‑hour covered delay, up to two days. This helps offset sudden out-of-pocket costs while you wait to continue your trip.

Liability, ambulance, and border entry help

Personal liability pays up to $25,000 for third‑party injury or property damage. You can boost that limit with an optional rider to $75,000 for extra peace of mind—useful for families or a group traveling together.

Emergency local ambulance charges are covered at customary rates when transport results in inpatient hospitalization. This pairs with medical evacuation and other emergency services when higher-level care is needed.

Border entry protection pays up to $500 if a valid B‑2 visa holder is denied admission at a U.S. port of entry. The plan also reimburses up to $100 for a lost or stolen passport or travel visa; this benefit is not subject to the deductible.

Note: This is a travel medical insurance plan that does not include pre‑departure trip cancellation. It does, however, provide interruption benefits after you depart and a range of emergency services to limit unexpected expenses.

Optional Riders to Enhance Your Atlas Travel Plan

Boosting your base policy with riders can fill gaps and add extra protection for specific risks.

Additional Accidental Death and Dismemberment

Increase accidental death and dismemberment benefits by adding the AD&D rider if you are ages 18–69. The base benefit is $25,000 for that age band, and the rider can raise the payout up to your selected medical maximum.

Note: certain high‑risk activities are excluded. Review the policy wording to confirm which activities are not covered before you buy.

Crisis Response with Natural Disaster Evacuation

Crisis response services provide coordinated support and funding for security events and extractions. The rider limit is up to $90,000 per certificate period, with a separate $10,000 cap for natural disaster evacuation.

This rider covers coordination, emergency transport, and limited security‑related costs where available. Check exclusions carefully for regions or scenarios that the rider won’t cover.

Optional Personal Liability Rider up to $75,000

Add personal liability protection to raise third‑party limits to a $75,000 lifetime maximum. This is useful for families or a group that wants extra protection against claims for injury or property damage.

• When useful: higher AD&D for frequent flyers; crisis response for volatile regions; increased liability for group or family travel.
• Riders cost a small additional premium and must be selected at application — they cannot be added mid‑term.
• Always read exclusions and limits to avoid surprises at claim time.

Device Protection Add-On for U.S. Travel

Tech mishaps happen on the move; a focused device plan reduces repair headaches.

What it covers: An optional Device Protection add-on provides up to $2,000 per device for smartphones, tablets, and laptops while in the United States. Typical incidents covered include cracked screens, liquid damage, and other accidental harm that occurs during a trip.

How service works: The program is offered through bolt and includes 24/7 online claims submission and access to a global repair network. That means fast authorizations, same‑day guidance, and repair options in many cities.

How it fits your plan: Device Protection is separate from your medical insurance and complements the Atlas America medical plan by limiting tech-related out-of-pocket expenses. It focuses on devices rather than checked luggage or lost checked items, so it’s not a baggage policy.

• Enroll when you buy the plan for seamless coordination with your policy documents.
• Use bolt’s 24/7 assistance for claims and local repair referrals while traveling.
• Keep receipts and device serial numbers to speed any claim.

Telehealth and Care Access with Air Doctor

Remote doctor access makes it easy to get care fast when you’re away from home. Air Doctor adds simple virtual visits to your medical toolkit and lowers hassle for minor issues.

Easy virtual visits and added value

Two free doctor visits are included per policy with no upfront payment or claim filing. That means quick care without paperwork for common ailments.

For policies longer than six months, a third free visit is added. This extra session helps long stays manage ongoing minor concerns.

How telehealth fits U.S. care

In the united states, Air Doctor is offered as telehealth only. If you prefer in‑person care, use the UnitedHealthcare PPO network for in‑network visits and direct billing.

• Download the Air Doctor app and set up your profile before departure for faster scheduling.
• Use telehealth for minor health questions, prescription advice, and to avoid unnecessary urgent care trips.
• Air Doctor complements Atlas America medical coverage and PPO access for seamless assistance when needed.

“Telehealth can resolve many minor concerns quickly, keeping you healthier and saving time.”

Pre-Existing Conditions: Acute Onset Coverage

A sudden flare of a prior medical condition can be covered, but strict rules apply to qualify for benefits.

Definition and criteria. Acute onset means a sudden and unexpected manifestation of a pre-existing condition that requires immediate care. The event must be treated within 24 hours of onset. You must not have been seeking treatment for that condition before the trip and you must follow medical advice once care begins.

What is excluded. Gradual worsening, chronic progression, or congenital conditions that deteriorate over time are not considered acute onset and are excluded from coverage.

• Benefit limits: up to the policy overall maximum for those under age 80.
• Ages 70–79: coverage pays up to the overall maximum or $100,000, whichever is lower.
• Emergency medical evacuation for a pre-existing acute event is limited to a $25,000 lifetime maximum.
• Carry medical histories and current medication lists to speed evaluation and reduce delays in care.

What’s Not Covered and Important Limitations

Not all medical events are covered; limits and exclusions matter when you pick a plan. Read exclusions early so you avoid surprises when seeking care.

Acute onset can be covered, but chronic and congenital conditions usually are not. An acute event is sudden and requires immediate care. Gradual worsening, routine follow‑ups, and long‑standing conditions fall outside acute onset benefits.

Chronic/congenital conditions vs. acute onset

Covered: sudden flare-ups treated right away. Not covered: progressive illness, congenital defects, or maintenance therapy.

Purchase and destination restrictions

You must buy while physically outside your home country. The plan is unavailable for buyers in New York, Maryland, Washington state, Canada, or Australia. Travel to Iran is excluded.

• There is no pre‑departure trip cancellation—only interruption after you depart.
• Review activity exclusions for high‑risk sports and non‑covered services.
• If you keep ties to your home, verify that you are truly outside home country at purchase.

Tip: If you need extra limits, consider riders and review documents carefully. For more on why some travelers pick this option, see this guide.

“Know the gaps before you travel so you can protect yourself where the plan does not.”

atlas travel insurance usa: How to Purchase and What You’ll Receive

Complete a brief online application with passport and travel dates to get instant proof of coverage.

Fast online enrollment and instant documents

Apply online with each traveler’s name, date of birth, passport number, and trip dates. No medical exam is required, so most applicants finish in minutes.

Families and groups can be added on one application for simpler checkout and single-document delivery. Choose your plan limits and optional riders during purchase.

ID card, Certificate of Insurance, and extension reminders

You’ll receive an ID card, a declaration page, and the Certificate of Insurance instantly after purchase. Use the digital ID for check‑in at clinics or show the certificate when filing claims.

Automatic reminder emails arrive before the policy expires, and online extension is simple if your trip is prolonged. Save a screenshot of your ID card and print a backup before departure.

• Quick steps: enter basic details, pick maximum and deductible, add riders, pay, and download documents.
• Documents to keep: ID card, Certificate of Insurance, and declaration page.
• Tip: add optional AD&D, personal liability, or device protection at checkout if you want extra limits.

“Save digital and printed copies of your ID card to speed check‑ins and billing.”

How to File a Claim and Get Support

When you need care abroad, knowing how to submit claims and use in‑network billing cuts delays.

Submitting claims and using direct billing in‑network

Direct billing: Use UnitedHealthcare PPO providers in the United States to reduce paperwork. In most cases the provider bills the plan directly and members pay only applicable copays or the deductible at time of service.

Out‑of‑network and claim steps

If you see an out‑of‑network or international provider, collect itemized invoices, medical reports, and proof of payment.

Submit claims through WorldTrips’ online portal with your ID number, receipts, and notes from the treating clinician. Expect initial processing timelines noted on the portal.

24/7 assistance services and guidance

Call assistance any time for provider referrals, billing help, or emergency coordination. They can also guide evacuations and arrange transport when medically necessary.

• Show your digital ID card at every visit.
• Keep copies of invoices, prescriptions, and medical reports.
• Check claim status online and respond quickly to requests.

“Contact assistance as soon as possible — they expedite care and protect you from avoidable expenses.”

Why Choose Atlas Travel and Atlas America Over Other Insurance Plans

A clear budgeting edge comes when a policy simplifies cost sharing and gives broad provider access. This combination reduces surprise bills and makes care easier to arrange during a visit to the United States.

No coinsurance after the deductible in PPO network

Use in‑network providers and eligible expenses are paid at 100% after your deductible. That removes coinsurance uncertainty and helps families or a group plan for care.

With UnitedHealthcare PPO access, providers often bill directly. This lowers upfront costs and speeds claim handling.

Adventure sports, pregnancy complications, and other distinctives

The plan covers many adventure activities that other short‑term options exclude. It also includes complications of pregnancy through the first 26 weeks—an uncommon benefit for short stays.

Other strengths include meaningful emergency medical evacuation limits, acute onset pre‑existing coverage up to age 80, and optional riders such as Crisis Response, extra accidental death/dismemberment, and higher personal liability.

“Pick maximums and deductibles that balance premium and protection for your trip.”

Conclusion

If you want predictable billing and broad provider access during a U.S. visit, these plans deliver medical-first benefits.

Atlas America and atlas travel from WorldTrips pair A++ underwriters with UnitedHealthcare PPO access, generous hospital limits, and robust medical evacuation/repatriation options.

Choose a policy maximum and deductible that match your age and risk. Consider riders like Crisis Response, higher personal liability, extra accidental death dismemberment, or bolt device protection for electronics.

Remember this is primarily travel medical protection with interruption and delay benefits—not pre-departure trip cancellation. Confirm purchase eligibility based on your current country or home country rules before you buy.

Next steps: compare limits, purchase atlas online for instant documents, and keep assistance contacts and policy ID handy during international travel and for fast access to services.