U.S. Visitor Medical Insurance

For International Travelers Venturing to the United States

American Healthcare Can Be Expensive

That’s just one reason to consider adding U.S. visitor medical insurance to your pre-departure checklist.

Visitor health insurance can’t prevent you from breaking an ankle or coming down with the flu, but it could help you find quality healthcare and reimburse you for unexpected medical expenses so you can get the treatment you need and get back to enjoying your trip.

WorldTrips’ Atlas America® U.S. visitor medical insurance is designed for:

  • USA tourists and leisure travelers
  • Parents visiting their children in the U.S.
  • Temporary workers and business professionals
  • International students and exchange program participants

Atlas America U.S. Visitor Medical Insurance Highlights

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

Deductibles

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

Maximum Per Injury or 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

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

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

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

Coinsurance

We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
Emergency Room Co-Payment

Claims Incurred in the U.S.

You are 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

Emergency Room Co-Payment

Claims Incurred in the U.S.

You are 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. 

You are responsible for a $15 co-payment for each visit
– co-payment is waived for members with a $0 deductible
– not subject to deductible

Claims Incurred Outside the U.S

No co-payment

Urgent Care Center Co-Payment

Claims Incurred in the U.S. 

You are responsible for a $15 co-payment for each visit
– co-payment is waived for members with a $0 deductible
– not subject to deductible

Claims Incurred Outside the U.S

No co-payment

Travel Assistance Services

Atlas Travel customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7.

Services include:

  • Provider, embassy, and legal referrals
  • Translations and interpretations
  • Help obtaining replacements for lost travel documents
See all available services.

Travel Assistance Services

Atlas Travel customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7.

Services include:

  • Provider, embassy, and legal referrals
  • Translations and interpretations
  • Help obtaining replacements for lost travel documents
See all available services.
Policy Documents  View policy documents.

Policy Documents 

Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
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Device Protection Now Available

Worried about traveling with expensive devices? You’re not the only one. That’s why WorldTrips has partnered with bolt to provide you with the option to add $2,000 of device protection coverage for damage to smartphones, tablets, and laptops as you travel the United States.

When you add device protection to your U.S. visitor medical insurance plan, you’ll get:

  • Coverage for screen cracks, liquid damage, and other accidental damage to your devices
  • Access to bolt's global repair network
  • Access to bolt's 24/7 online claims process

Just click “Yes, Add Device Protection” when you get to the payment page of the checkout process. Depending on the cost of your plan, it may cost only cents per person per day to add device protection coverage.

Why Choose WorldTrips?

WorldTrips has provided U.S. visitor medical insurance to USA tourists and business professionals for over 25 years. We have designed our Atlas America plan to meet the needs of international visitors and to support you through unexpected travel emergencies.

Atlas America offers:

  • Flexibility – Coverage is available for trips of up to 364 days. You can purchase a plan while traveling, extend your coverage after purchase, or cancel your policy if your plans change.

  • Customizable Coverage – Choose the deductible, coverage length, and overall maximum that best align with your travel plans. Select from several optional coverage upgrades and add device protection if you’re worried about accidental damage to your phone, laptop, or tablet.

  • Multilingual Travel Assistance – You will have access to our travel assistance services in several languages 365 days a year. Emergency services are available 24/7.
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“WorldTrips is the best travel insurance company of 2024, based on our in-depth analysis of travel insurance policies."

Is U.S. Visitor Medical Insurance Required To Visit the U.S.?

Tourists and business professionals traveling to the United States on a B-1 or B-2 visa are not required to have U.S. visitor medical insurance. However, a U.S. Customs and Border Protection officer could request that you show proof of sufficient funds to cover your travel expenses.

Along with bank statements, pay slips, and credit cards, a visitor medical insurance plan like Atlas America could help demonstrate your ability to pay for expenses incurred in America by showing that you have coverage for unexpected medical expenses as you explore the country.

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How Expensive Is Healthcare in the U.S.?

You’ve probably heard that healthcare in the United States is expensive, but just how expensive is it? A broken leg can cost up to $7,500 to fix in the U.S. And the average cost of a 3-day hospital stay is around $30,000. 

Ask yourself: Could I afford to pay for an overnight hospital stay or treatment of a broken leg while taking in the sights? If not, consider purchasing a U.S. visitor medical insurance plan like Atlas America. You might be surprised how easily it fits into your budget.

How Much Does U.S. Visitor Medical Insurance Cost?

U.S. visitor insurance can be budget friendly—in fact, Atlas America plans start at less than $1 a day. The overall cost of your plan depends on several factors, including:

  • Age – As your age group increases, so will your plan cost
  • Destination – Trips that include the U.S. are more expensive to cover due to healthcare costs
  • Trip Length – Longer trips are more expensive to cover
  • Overall Maximum Limit – As your overall maximum limit increases, so will your plan cost
  • Deductible – As your deductible increases, your plan cost will decrease
  • Optional Upgrades – Coverage add-ons will increase your plan price
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Real-World Examples of How U.S. Visitor Medical Insurance Works

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You come down with an infection that requires inpatient hospitalization.

Medical emergencies are scary enough in your home country, let alone in a foreign country where you’re unfamiliar with the healthcare system and may not be fluent in English. A U.S. visitor medical insurance policy like Atlas America can refer you to a nearby hospital and provide translation assistance if needed.

Atlas America could also cover you for the cost of a local ambulance to transport you to the hospital, as well as room charges, diagnostic testing, and physician expenses resulting from covered injuries or illnesses for which you are hospitalized.

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You’re exploring the U.S. with your two small children when you come down with a covered illness that requires a week-long hospital stay.

Because there are no other adults traveling with you and you’ll be unable to care for your children for a period lasting over 36 hours, your Return of Minor Children benefit can provide up to $50,000 of coverage to transport each child back to your home country.

If you’re traveling with a pet under the same conditions, your Pet Return benefit can provide up to $1,000 to return your pet to your home country to be cared for by a family member or friend.

For situations where you are confined to a hospital intensive care unit following a covered, life-threatening injury or illness, your Bedside Visit benefit can pay up to $1,500 to transport a family member to your bedside.

unpleasant-pain-Sad-Unhappy-Handsome-Man-Sitting-On-The-Sofa

While visiting your children in the USA, you discover that your Airbnb has been broken into and your luggage has been stolen.

Unfortunately, your passport and travel documents were among the items that were taken. You have no idea how to go about acquiring a new passport and the language barrier is making it difficult for you to file a police report.

Thankfully, your Atlas America U.S. visitor medical insurance policy provides access to travel assistance services available in multiple languages 365 days a year. Our customer support team can provide you with travel, legal, and foreign language assistance and help you to obtain a new passport and travel documents.

Your Lost or Stolen Passport/Travel Visa benefit can also reimburse you up to $100 for the cost of replacing your lost or stolen passport or travel visa. (Note that you must report the loss or theft to police within 24 hours and obtain a police report to be eligible for this benefit.)

More International Travel Medical Insurance Plans

Need coverage for remote work, frequent international travel, or a group of travelers? Discover additional international travel medical plans designed for these specific scenarios.

Nomad Insurance for Remote Workers

Digital nomads who are non-U.S. residents working outside of their home country are eligible for an Atlas Nomads plan.

Travel Medical Insurance for Groups

Traveling with a group of 5 or more? Purchase Atlas Group and get the same benefits and services of our popular Atlas Travel plan at a 10% reduced rate.

Annual Travel Medical Insurance for Frequent Travelers

Save time and money by purchasing one Atlas MultiTrip plan to cover you for any number of pre-planned or last-minute trips abroad throughout a one-year period.

Visitor Medical Insurance for Travel to the U.S.

When your international travel includes the United States, your Atlas Travel plan will be referred to as Atlas America. This plan meets J-1 visa requirements and can provide coverage for you or your family members as they visit the States.

FAQs: WorldTrips' Travel Medical Insurance Plans

How Do I Register for a Member Portal Account?

Register for a Member Portal account. Here’s how:

1. Visit Member Portal at https://worldtrips.my.site.com/MemberPortal.
2. Under “Continue Sign In” click “First-time user? Register for an account.”

 member-portal-welcome-page

3. On the Register page, enter the email address you wish to use to sign into your account. This email does not need to match the email address associated with your policy.

Enter your policy number and select whether or not you are the insured or the insured’s legal guardian. Enter the insured’s first and last name as entered on the policy. (You can see how the insured’s name was entered on your ID card and fulfillment documents that were sent to you upon purchase.)

Enter the insured’s date of birth. Then choose a password. Follow the password instructions noted on the page.

Read and agree to the terms and conditions by checking the box. Then click the “Continue” button.

 member-portal-registration-page

 4. You will be taken to the Sign In page. Enter the email address and password you used to register your account and click “Sign In.”

 member-portal-sign-in-page-white

 

5. To add an additional layer of security when signing into your account, you will be prompted to choose your preferred multifactor authentication method.

Options Include:
a. Okta Verify - Click "Setup" if you wish to use a push notification sent to the mobile app

b. SMS Authentication* - Click "Setup" if you wish to enter a single-use code that is sent to your mobile phone

c. Voice Call Authentication* - Click "Setup" if you wish to follow voice instructions via phone

d. Security Question - Click "Setup" if you wish to answer a security question

 *Please be sure to use a method which you will have continual access to on your travels. Do not use phone numbers that will not work outside of your current service area.

 member-portal-multifactor-authentication-page

 6. Follow the setup instructions of your chosen multifactor authentication method. Then click “Finish.”

 7. On the resulting page, choose a "Forgot Password" question. Make sure you select a question with only one correct answer that is easy to remember.

 Type the answer into the blank box below "Answer." You will need this answer to access your account if you ever forget your Member Portal password and need to reset it.

 You may also choose to add a phone number for resetting your password or unlocking your account using SMS text message or a voice call if you don’t have access to your email.

 Click "Create My Account."

 member-portal-forgot-password-page

How Do I Submit a Claim?

You must complete, sign, and submit a Claimant's Statement and Authorization form along with proof of claim (itemized bills, payment receipts, medical records, police reports, etc.) for every incident. (Click here to download the form in Spanish).

Filing a Claim on Behalf of Someone Else? If you are filing this claim on behalf of another person, you MUST fill out the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information" – also known as a HIPAA form. This section must be signed by the policyholder in order for us to speak with you regarding any of the policyholder's Protected Health Information (PHI). Without this signed form, we may only disclose to you the status of the claim.

You can complete and submit the Claimant's Statement and Authorization form along with supporting documents in one of the following ways:

Via DocuSign within Member Portal (Most Efficient Approach)

1. Go to Member Portal (formerly Client Zone / Student Zone).
2. Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.

If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

3. Click "Claims and Appeals" in the main navigation menu.
4. Click “Submit New Claim Via DocuSign” button under the “Claimant’s Statement and Authorization Form” subheader in the “File a Claim” section and follow the instructions.

For more extensive step-by-step instructions, including screenshots, please see our “How to Submit a Claim” guide

Don’t Have Access to the Claims and Appeals Page? If you noted that you are not the insured or the insured’s legal guardian, you will see the Protected Health Information Authorization page in place of the Claims and Appeals page. Enter the insured’s email address and click “Send Request.” Once the insured has completed and submitted our HIPAA form, you will gain access to the Claims and Appeals page and have the ability to submit a claim within 3-5 days.

By Mail

1. Download the Claimant's Statement and Authorization form. (Click here to download the form in Spanish.)
2. Print, complete, and sign the form. Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. WorldTrips is also happy to fax, e-mail, or mail the form(s) to you upon request.

Important Note for Students
For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form:
- A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019
- Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)

Can I Submit a Claim on Behalf of Someone Else?

Yes, you may submit a claim on behalf of someone else, but you must fill out the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information" - also known as the HIPAA form. We must have a completed copy of this form signed by the policyholder if you wish to speak with us regarding any of the policyholder's Protected Health Information (PHI). Without this signed form, we may only disclose to you the status of the claim. If you have already submitted a claim and you did not complete this section OR if WorldTrips has requested that you submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA), you do not need to fill out another claim form.

How Do I Submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA Form) If I Did Not Complete This Section of the Claim Form?

If you have already submitted a claim on behalf of someone else and did not complete this section OR if WorldTrips has requested that you submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPAA), you do not need to fill out another claim form. You can submit the HIPAA form separately in one of the following ways:

Electronically via Member Portal

  1. Go to Member Portal.
  2. Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.

    If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

  3. Click "Claims and Appeals" in the main navigation menu.

If You See the Protected Health Information Authorization Page:

- Because you selected that you are not the insured or the insured's legal guardian upon registering for Member Portal, you do not yet have access to the Claims and Appeals page.
- Under the "Protected Health Information Authorization" header, enter the insured's email address and click the "Send Request" button.
- The insured will receive an email with a link to complete, sign, and submit the HIPPA form via DocuSign. You will gain access to the Claims and Appeals page and will be able to see the status of any pending claims within 3-5 days of the date the policyholder completed and submitted the form.

If You See the Claims and Appeals Page:

- Click the "Fill Out and Submit Via DocuSign" button under the "Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA)" subheader in the "File a Claim" section.
- Enter the insured's name and an email address and click the "Begin Signing" button.
- Click the yellow "Continue" button, fill out the form and the required information (as noted by the red boxes); have the policyholder sign the form, and click the yellow "Finish" button.
- Clicking "Finish" submits the document and sends a PDF of your signed Authorization Form for Use and/or Disclosure of Protected Health Information to the email address entered. Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.

By Mail
  1. Download the Authorization Form for Use and/or Disclosure of Protected Health Information.
  2. Print, complete, and have the policyholder sign the form.
  3. Mail to:
    WorldTrips Claims Department
    PO Box 240358
    Apple Valley, MN 55124
    U.S.A.

When and How Will I Receive My Fulfillment Documents?

During the checkout process, you will have the option to receive your ID cards and other fulfillment documents by:

  • Email only OR by
  • Email and hard copy

If you select “Email only,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. This typically takes a few minutes or less.

If you select “Email and hard copy,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. You will also receive hard copies of your ID cards and fulfillment documents by mail to the address you entered on your application.


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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.