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Atlas International Premium is a comprehensive travel medical insurance plan, designed for individuals traveling outside their home country, excluding the United States. U.S. citizens and non-U.S. citizens are eligible for coverage outside their home country, The policy is available for a minimum of 5 days up to a maximum of 364 days and is extendable and renewable. The minimum age for coverage is 14 days old. Atlas International Premium plan provides maximum coverage choices from US$50,000 to US$2,000,000 for the life of the plan, with the option to choose a deductible ranging from US$0 to US$5,000 per certificate period. After the deductible is satisfied, the plan pays 100% of eligible expenses up to the overall maximum limit. The plan also offers coverage for acute onset of pre-existing conditions for individuals below 80 years of age. Atlas International Premium plan offers coverage for unexpected illness or injury, emergency medical evacuation, and other travel benefits. The plan covers COVID-19, just like any other eligible medical condition that occurs after the effective date of the policy. Atlas International Premium is underwritten by Lloyd's of London, the oldest and largest insurance market in the world. The plan is administered by WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group).

Key Highlights:

  • Offers coverage for Acute Onset of Pre-Existing Conditions
  • Coinsurance 100% of eligible expenses, after the deductible to the overall maximum limit
  • Overall Maximum Limit Up to $2,000,000
  • Emergency Medical Evacuation Up to $1,000,000
  • Emergency Reunion Up to $150,000
  • Political Evacuation Up to $150,000
  • Crisis Response up to $1,00,000
  • Return of Minor Children up to $50,000
  • COVID-19 covered just like any other eligible medical condition
  • Coverage for Accidental Death & Dismemberment, Common Carrier Accidental Death, Personal Liability, Travel delay
Key Highlights

Best Suitable Plan For

Non-US Citizens visiting USA
Plan Details

Insurance Provider

WorldTrips


Plan Underwriter

Lloyd’s of London


Plan Rating

A.M. Best Rating: A


Plan Category

Travel Medical Insurance


Plan Type

Comprehensive Coverage


PPO Network

United Healthcare PPO Network

Plan Eligibility

Eligibility

For international travelers travelling anywhere outside their home country.
U.S. citizens and residents are not eligible for coverage within the United States


Age for Coverage

14 days to 99 years


Coverage Duration

Minimum of 5 days to a maximum of 364 days



Policy Maximum, Deductibles & Medical Coverage Limits

Overall Maximum Limit

Age 80 or older – $20,000; Age 65 to 79 – $50,000 or $100,000
All others – $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000


Deductible Options

$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period

Pre-Existing Conditions

Acute Onset of Pre-Existing Conditions

Up to the overall maximum limit

Emergency Coverage

Emergency Medical Evacuation

Up to $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition (not subject to deductible or overall maximum limit)


Repatriation of Remains

Equal to the elected overall maximum limit (not subject to deductible or coinsurance)
This limit is for this benefit only and is not included in or subject to the overall maximum limit

Out-Patient

Urgent Care

$15 co-pay (deductible waived) for urgent care and walk-in clinics. For each visit, you shall be responsible for a $15 co-payment. Co-payment is waived for members with a $0 deductible


Physical Therapy

Up to $50 maximum per day. Must be ordered in advance by a physician

In-Patient

Hospital Room

Average semi-private room rate, including nursing services


Hospital Intensive Care Unit

Up to the overall maximum limit


Dental Coverage

Acute Onset of Pain

Up to $300 (not subject to deductible)


Travel Coverage

Emergency Medical Evacuation

Up to $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition (not subject to deductible or overall maximum limit)


Repatriation of Remains

Equal to the elected overall maximum limit (not subject to deductible or coinsurance). This limit is for this benefit only and is not included in or subject to the overall maximum limit


Emergency Reunion

Up to $150,000, subject to a maximum of 15 days (not subject to deductible)


Return of minor Child(ren)

Up to $50,000 (not subject to deductible)


Trip Interruption

Up to $15,000 (not subject to deductible)


Loss of checked Baggage

Up to $2,000 (not subject to deductible)

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