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


    Atlas Premium FAQs

    Didn’t find what you are looking for?

    You can find an answer to your question by asking one of our licensed agents who will reply back to you via email.

    Ask An Expert