Atlas Travel® Vs. Atlas PremiumTM
Atlas Travel and Atlas Premium are travel medical insurance plans designed to cover emergency healthcare costs - including eligible COVID-19-related expenses - incurred as you travel abroad.
We offer two different plan levels so you can choose the coverage that best fits your needs and budget. Whether you're traveling for business or pleasure, there's an Atlas plan that can be tailored to you.
Which Plan Is Best for Me?
Travel Medical
Insurance Benefits
Atlas Travel and Atlas Premium are designed for
single international trips of up to 364 days. Both
plans allow you to customize your coverage by choosing your deductible, coverage length, and
overall coverage maximum.
As an Atlas policyholder, you'll have access to multilingual travel assistance services and our
Client Zone, where you can download your
visa letter, renew your coverage as needed,
manage your policy online.
Highlights:
Deductibles
$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Maximum per Injury/Illness
Age 80 or older: $10,000
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
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
Overall Maximum Limit
Age 80 or older: $10,000
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
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
Coinsurance
We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
Hospital Room and Board
Average semi-private room rate, including nursing services.
Local Ambulance
Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient
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
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
Intensive Care Unit
Up to the overall maximum limit
Outpatient Physical Therapy and Chiropractic Care
Up to $50 maximum per day. Must be ordered in advance by a physician
Emergency Dental
(acute onset of pain)
Up to $300 - not subject to deductible
Emergency Eye Exam for a Covered Loss
Up to $150; $50 deductible per occurrence (plan deductible is waived).
*Acute Onset of Pre-Existing Condition
(excludes chronic and congenital conditions)
(only available to members under age 80)
Up to the overall maximum limit
$25,000 lifetime maximum for Emergency Medical Evacuation
Terrorism
Up to $50,000 lifetime maximum, eligible medical expenses only
All Other Eligible Medical Expenses
Up to the overall maximum limit
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
Local Burial or Cremation
Up to $5,000 lifetime maximum - not subject to deductible
Accidental Death and Dismemberment
(excludes loss due to Common Carrier Accident)
Under Age 18
Ages 18 Through 69
Ages 70 Through 74
Ages 75 and Older
Lifetime maximum: $5,000
Death: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500
Lifetime maximum: $25,000
Death: $25,000
Loss of 2 limbs: $25,000
Loss of 1 limb: $12,500
Lifetime maximum: $12,500
Death: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250
Lifetime maximum: $6,250
Death: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125
$250,000 maximum benefit any
one family or group
- not subject to deductible or
overall maximum limit
Lifetime maximum: $5,000
Death: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500
Lifetime maximum: $100,000
Death: $100,000
Loss of 2 limbs: $100,000
Loss of 1 limb: $50,000
Lifetime maximum: $12,500
Death: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250
Lifetime maximum: $6,250
Death: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125
$250,000 maximum benefit any one family or group
- not subject to deductible or overall maximum limit
Common Carrier Accidental Death
Under Age 18
Ages 18 Through 69
Ages 70 Through 74
Ages 75 and Older
$10,000
$50,000
$25,000
$12,500
Subject to a maximum of $250,000 any one family or group.
- no subject to deductible or overall maximum limit
$10,000
$100,000
$25,000
$12,500
Subject to a maximum of $250,000 any one family or group.
- no subject to deductible or overall maximum limit
Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses, and
Natural Disaster Evacuation
Up to $10,000 per certificate period, with $10,000 - not subject to deductible or overall maximum limit
Up to $100,000 per certificate period, with $10,000 for Natural Disaster Evacuation - not subject to deductible or overall maximum limit
Emergency Reunion
Up to $100,000, subject to a maximum of 15 days - not subject to deductible
Up to $150,000, subject to a maximum of 15 days - not subject to deductible
Bedside Visit
Up to $1,500 - not subject to deductible
Return of Minor Children
Up to $50,000 - not subject to deductible
Pet Return
Up to $1,000 - not subject to deductible
Political Evacuation
Up to $100,000 lifetime maximum - not subject to deductible
Up to $150,000 lifetime maximum - not subject to deductible
Trip Interruption
Up to $10,000 - not subject to deductible
Up to $15,000 - not subject to deductible
Lost Checked Luggage
Up to $1,000 - not subject to deductible
Up to $2,000 - not subject to deductible
Lost or Stolen Passport/Travel Visa
Up to $100 - not subject to deductible
Travel Delay
Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.
- not subject to deductible
Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.
- not subject to deductible
Natural Disaster - Replacement Accommodations
Up to $250 a day for 5 days - not subject to deductible
Up to $500 a day for 5 days - not subject to deductible
Emergency Quarantine Indemnity - COVID-19
(must have a minimum of 30 days of coverage)
(only available outside your home country)
$50 a day for up to 10 days - not subject to deductible
Proof of quarantine mandate by a physician or government authority required.
Quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.
$50 a day for up to 10 days - not subject to deductible
Proof of quarantine mandate by a physician or government authority required.
Quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.
Hospital Indemnity
$100 per day of inpatient hospitalization - not subject to deductible
Personal Liability
Up to:
$25,000 lifetime maximum
$25,000 third-person injury
$25,000 third-person property
$2,500 related third person property
- not subject to deductible or overall maximum limit
Up to:
$100,000 lifetime maximum
$100,000 third-person injury
$100,000 third-person property
$2,500 related third person property
- not subject to deductible or overall maximum limit
Border Entry Protection
Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border - not subject to deductible
*The acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning, either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually worsen over time are excluded from coverage.
Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions.
*A pre-existing condition is any condition:
**The acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning, either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually worsen over time are excluded from coverage.
Why Do I Need
Travel Medical Insurance?
International travel can represent financial risk. No matter your destination, there's always a chance you could experience an unanticipated health or travel emergency.
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WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.
