Atlas MultiTrip is a travel medical insurance plan that provides international health coverage for multiple trips in a one-year period. The plan covers any number of pre-planned or last-minute trips in a 364-day period, with coverage for trips up to 30 or 45 days, depending on the chosen option. It is designed for frequent international travelers, including business travelers seeking a budget-friendly health insurance solution and international travelers who take multiple trips abroad each year. Atlas MultiTrip provides coverage for unexpected medical expenses, including eligible expenses related to COVID-19. The plan is administered worldwide by WorldTrips and underwritten by Lloyds, the oldest insurance market in the world. The plan is suitable for frequent visitors to the USA or international travelers taking multiple trips outside their home country, with eligibility of up to 76 years Atlas MultiTrip Is Designed for:

  • Business travelers seeking a budget-friendly health insurance solution for frequent international work travel
  • International travelers who take multiple trips abroad each year
  • Key Highlights:

  • Offers coverage for Acute onset of Pre-Existing Condition
  • Deductibles $250 per covered trip
  • Coinsurance the plan pays 100% of eligible expenses after the deductible up to the overall maximum limit
  • Up to $1,000,000 of Overall Maximum Coverage
  • Up to $1,000,000 for Emergency Medical Evacuation
  • Up to $25,000 for Personal Liability
  • Includes medical coverage for eligible expenses related to COVID-19
  • Ability to add coverage for your spouse and/or child(ren)
  • Trip Interruption/Political Evacuation/ Natural Disaster Evacuation/Emergency Reunion/Lost Checked Baggage/Accidental Death & Dismemberment/Common Carrier Accidental Death/Personal Liability/Trip Interruption/Return of Minor Children/Border Entry Protection
  • Key Highlights

    Best Suitable Plan For

    Parents visiting USA
    Non-US Citizens visiting USA
    B1/B2 Visa Holders to the USA
    Plan Details

    Insurance Provider

    WorldTrips


    Plan Underwriter

    Lloyd’s of London


    Plan Rating

    A.M. Best Rating: A


    Plan Category

    Annual Travel Medical Insurance

    Plan Eligibility
    U.S. Citizens and non-U.S. Citizens who are at least fourteen (14) days of age and up to 75 years of age, and who maintain insurance providing coverage while in their home country, are eligible for this plan. Spouses and/or dependent child(ren) (under age 19) may be covered provided they also meet the requirements.

    U.S. Citizens and residents are not eligible for coverage within the U.S, except as provided under an eligible benefit period. Should you make a change to the location of your home country during the certificate period, you are no longer eligible for coverage in the new home country except as provided under home country coverage as of the date you establish the new home country.
    Policy Maximum, Deductibles & Medical Coverage Limits

    Overall Maximum Limit

    $1,000,000


    Maximum per Injury / Illness

    $1,000,000


    Deductibles

    $250 per covered trip


    Coinsurance

    We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

    Pre-Existing Conditions

    Acute Onset of Pre-Existing Conditions

    Up to the overall maximum limit
    Up to $25,000 lifetime maximum for Emergency Medical Evacuation

    Emergency Coverage

    Emergency Room Co-Payment

    Claims incurred in the U.S.
    You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital.
    There will be no co-payment for emergency room treatment of an injury

    Claims incurred outside the U.S.
    No co-payment


    Local Ambulance

    Usual, reasonable and customary charges, only when covered illness or injury results in hospitalization as inpatient


    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

    Out-Patient

    Outpatient Physical Therapy and Chiropractic Care

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


    Urgent Care Center Co-Payment

    Claims incurred in the U.S.
    For each visit, you shall be responsible for a $15 co-payment
    – not subject to deductible

    Claims incurred outside the U.S.
    No co-payment

    In-Patient

    Hospital Room and Board

    Average semi-private room rate, including nursing services


    Hospital Intensive Care Unit

    Up to the overall maximum limit

    Dental Coverage

    Emergency Dental (Acute Onset of Pain)

    Up to $300 – not subject to deductible

    Travel Coverage

    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 $100,000, 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 $10,000 – not subject to deductible


    Lost Checked Luggage

    Up to $1,000 – not subject to deductible

    Additional Coverage Options

    Optional Crisis Response Rider With Natural Disaster Evacuation

    Up to $90,000 With a $10,000 maximum for Natural Disaster Evacuation
    Not subject to deductible or overall maximum limit


    Optional Personal Liability Rider

    Up to $75,000 Lifetime Maximum
    Not subject to deductible or overall maximum limit


    Atlas MultiTrip™ FAQs

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