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Atlas Premium Insurance is a high-end comprehensive visitors health insurance plan that provides the highest coverage limits of all the plans in the Atlas Series. It offers coverage for unexpected medical expenses, including COVID-19-related expenses, emergency medical evacuation benefits, and supplemental travel benefits including trip interruption, travel delay, and lost checked luggage. Atlas Premium America Insurance is available for any duration from 5 days to 364 days and provides exceptional coverage features and the best quality short-term. Atlas Premium Insurance is administered worldwide by WorldTrips and the policy is 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:

  • Parents seeking higher coverage limits
  • Individuals seeking higher coverage limits
  • Business and elite travelers seeking a premium plan
  • Adventure travelers seeking higher coverage limits for shorter trips
  • Tourists, and vacationers, seeking higher coverage limits for shorter trips

Key Highlights:

  • Up to $2,000,000 of Overall Maximum Coverage
  • Up to $1,000,000 for Emergency Medical Evacuation
  • Up to $15,000 for Trip Interruption
  • Up to $100,000 for Personal Liability
  • Includes medical coverage for eligible expenses related to COVID-19
Key Highlights

Best Suitable Plan For

Parents visiting USA
Plan Details

Insurance Provider

WorldTrips


Plan Underwriter

Lloyd’s of London


Plan Rating

A.M. Best Rating: A


Plan Category

Premium Travel Medical Insurance

Plan Eligibility
U.S. Citizens and non-U.S. Citizens who are at least fourteen (14) days of age are eligible for coverage outside of their home countries, except as provided under home country coverage. U.S. Citizens and residents are not eligible for coverage within the U.S, except as provided under incidental home country coverage or 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.

Individuals age 65 to 79 as of the certificate effective date are subject to a $100,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $20,000 overall maximum limit.
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


Maximum per Injury / Illness

Age 80 or older: $20,000
Age 65 to 79: $50,000 or $100,000
All others: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000


Deductibles

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


Coinsurance

The plan pays 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
– co-payment is waived for members with a $0 deductible
– 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 $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


Lost Checked Luggage

Up to $2,000 – not subject to deductible

Additional Coverage Options

Natural Disaster - Replace Accommodations

Up to $500 a day for 5 days – not subject to deductible


Terrorism

Up to $50,000 lifetime maximum, eligible medical expenses only


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