U.S. Visitor Medical Insurance
Help Safeguard Your Health During Your Trip to America
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 unexpected illnesses or injuries, but it can help you access quality medical care and offset the cost of healthcare in the United States. With coverage from WorldTrips, you’ll have support finding care and submitting eligible claims while you focus on making the most of your stay. Whether you’re visiting family, exploring new destinations, or coming to the U.S. for business or study, having medical coverage can help provide access to care when you need it.
WorldTrips’ Atlas America® U.S. visitor medical insurance is designed for:
Tourists and leisure travelers
visiting the United States
Parents or relatives
spending time with family in the U.S.
traveling for short-term assignments
Atlas America U.S. Visitor Medical Insurance Highlights
| Deductibles | $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period |
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Deductibles $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
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| 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 |
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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 |
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| 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 |
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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 |
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| Coinsurance | We will pay 100% of eligible expenses after the deductible up to the overall maximum limit |
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Coinsurance We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
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| Emergency Room Co-Payment | Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital. Claims Incurred Outside the U.S. No co-payment |
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Emergency Room Co-Payment Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital. Claims Incurred Outside the U.S. No co-payment |
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| Urgent Care Center Co-Payment | Claims Incurred in the U.S. You are responsible for a $15 co-payment for each visit Claims Incurred Outside the U.S. No co-payment |
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Urgent Care Center Co-Payment Claims Incurred in the U.S. You are responsible for a $15 co-payment for each visit Claims Incurred Outside the U.S. No co-payment |
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| 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:
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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:
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| Policy Documents | View policy documents. |
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Policy Documents |
| Hospital Room and Board | Average semi-private room rate, including nursing services |
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Hospital Room and Board Average semi-private room rate, including nursing services
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| Local Ambulance | Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient. |
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Local Ambulance Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient.
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| Intensive Care Unit | Up to the overall maximum limit |
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Intensive Care Unit Up to the overall maximum limit
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| Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day |
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Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day
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| Emergency Dental | Up to $300 - not subject to deductible |
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Emergency Dental Up to $300 - not subject to deductible
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| Emergency Eye Exam Copayment | Up to $150; $50 copayment per occurrence (plan deductible is waived) |
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Emergency Eye Exam Copayment Up to $150; $50 copayment per occurrence (plan deductible is waived)
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| Hospital Indemnity | $100 per day of inpatient hospitalization - not subject to deductible |
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Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible
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| Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) | Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
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Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
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| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
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Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
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| All Other Eligible Medical Expenses | Up to the overall maximum limit |
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All Other Eligible Medical Expenses Up to the overall maximum limit
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| Repatriation of Remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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Repatriation of Remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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| Local Burial or Cremation | Up to $5,000 lifetime maximum - not subject to deductible |
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Local Burial or Cremation Up to $5,000 lifetime maximum - not subject to deductible
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| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) | Under Age 18: Lifetime maximum: $5,000 / Death: $5,000 / Loss of 2 limbs: $5,000 / Loss of 1 limb: $2,500 Ages 18 Through 69: Lifetime maximum: $25,000 / Death: $25,000 / Loss of 2 limbs: $25,000 / Loss of 1 limb: $12,500 Ages 70 Through 74: Lifetime maximum: $12,500 / Death: $12,500 / Loss of 2 limbs: $12,500 / Loss of 1 limb: $6,250 Age 75 and Older: 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 |
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Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) Under Age 18: Lifetime maximum: $5,000 / Death: $5,000 / Loss of 2 limbs: $5,000 / Loss of 1 limb: $2,500 Ages 18 Through 69: Lifetime maximum: $25,000 / Death: $25,000 / Loss of 2 limbs: $25,000 / Loss of 1 limb: $12,500 Ages 70 Through 74: Lifetime maximum: $12,500 / Death: $12,500 / Loss of 2 limbs: $12,500 / Loss of 1 limb: $6,250 Age 75 and Older: 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 |
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| Common Carrier Accidental Death | Under Age 18: $10,000 Ages 18 Through 69: $50,000 Ages 70 Through 74: $25,000 Age 75 and Older: $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum limit |
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Common Carrier Accidental Death Under Age 18: $10,000 Ages 18 Through 69: $50,000 Ages 70 Through 74: $25,000 Age 75 and Older: $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum limit |
| Trip Interruption | Up to $10,000 - not subject to deductible |
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Trip Interruption Up to $10,000 - not subject to deductible
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| Lost Checked Luggage | Up to $1,000 - not subject to deductible |
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Lost Checked Luggage Up to $1,000 - not subject to deductible
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| Lost or Stolen Passport/Travel Visa | Up to $100 - not subject to deductible |
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Lost or Stolen Passport/Travel Visa Up to $100 - not subject to deductible
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| 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 |
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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
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| Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10,000 per certificate period - not subject to deductible or overall maximum limit |
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Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses Up to $10,000 per certificate period - not subject to deductible or overall maximum limit
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| Optional Crisis Response Rider with Natural Disaster Evacuation | Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit |
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Optional Crisis Response Rider with Natural Disaster Evacuation Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation
- not subject to deductible or overall maximum limit |
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| Natural Disaster – Replacement Accommodations | Up to $250 a day for 5 days - not subject to deductible |
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Natural Disaster – Replacement Accommodations Up to $250 a day for 5 days - not subject to deductible
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| Personal Liability | Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit
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Personal Liability Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit
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| Optional Personal Liability | Lifetime Maximum: $75,000 - not subject to deductible or overall maximum limit
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Optional Personal Liability Lifetime Maximum: $75,000 - not subject to deductible or overall maximum limit
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| 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 |
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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 |
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| Emergency Medical Evacuation | Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click "Exclusions" tab to see benefit description) - not subject to deductible or overall maximum limit |
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Emergency Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click "Exclusions" tab to see benefit description) - not subject to deductible or overall maximum limit
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| Political Evacuation | Up to $100,000 lifetime maximum - not subject to deductible |
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Political Evacuation Up to $100,000 lifetime maximum - not subject to deductible
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| Emergency Reunion | Up to $100,000, subject to a maximum of 15 days - not subject to deductible |
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Emergency Reunion Up to $100,000, subject to a maximum of 15 days - not subject to deductible
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| Bedside Visit | Up to $1,500 - not subject to deductible |
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Bedside Visit Up to $1,500 - not subject to deductible
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| Return of Minor Children | Up to $50,000 - not subject to deductible |
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Return of Minor Children Up to $50,000 - not subject to deductible
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| Pet Return | Up to $1,000 - not subject to deductible |
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Pet Return Up to $1,000 - not subject to deductible
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| Excluded Medical Expenses | 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.
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Excluded Medical Expenses 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.
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| Pre-Existing Conditions | *Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
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Pre-Existing Conditions *Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
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| Acute Onset of Pre-Existing Condition | **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Acute Onset of Pre-Existing Condition **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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| Deductibles | $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period |
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Deductibles $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
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| 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 |
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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 |
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| 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 |
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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 |
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| Coinsurance | We will pay 100% of eligible expenses after the deductible up to the overall maximum limit |
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Coinsurance We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
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| Emergency Room Co-Payment | Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital. Claims Incurred Outside the U.S. No co-payment |
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Emergency Room Co-Payment Claims Incurred in the U.S. You are responsible for a $200 co-payment for the emergency room facility fee for each use of emergency room for an illness, unless you are admitted to the hospital. Claims Incurred Outside the U.S. No co-payment |
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| Urgent Care Center Co-Payment | Claims Incurred in the U.S. You are responsible for a $15 co-payment for each visit Claims Incurred Outside the U.S. No co-payment |
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Urgent Care Center Co-Payment Claims Incurred in the U.S. You are responsible for a $15 co-payment for each visit Claims Incurred Outside the U.S. No co-payment |
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| 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:
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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:
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| Policy Documents | View policy documents. |
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Policy Documents |
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| Hospital Room and Board | Average semi-private room rate, including nursing services |
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Hospital Room and Board Average semi-private room rate, including nursing services
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| Local Ambulance | Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient. |
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Local Ambulance Usual, reasonable, and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient.
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| Intensive Care Unit | Up to the overall maximum limit |
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Intensive Care Unit Up to the overall maximum limit
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| Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day |
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Outpatient Physical Therapy and Chiropractic Care Up to $50 maximum per day
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| Emergency Dental | Up to $300 - not subject to deductible |
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Emergency Dental Up to $300 - not subject to deductible
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| Emergency Eye Exam Copayment | Up to $150; $50 copayment per occurrence (plan deductible is waived) |
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Emergency Eye Exam Copayment Up to $150; $50 copayment per occurrence (plan deductible is waived)
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| Hospital Indemnity | $100 per day of inpatient hospitalization - not subject to deductible |
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Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible
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| Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) | Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
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Acute Onset of Pre-Existing Condition (Click "Exclusions" Tab To See Benefit Description) Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
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| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
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Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
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| All Other Eligible Medical Expenses | Up to the overall maximum limit |
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All Other Eligible Medical Expenses Up to the overall maximum limit
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| Repatriation of Remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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Repatriation of Remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance |
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| Local Burial or Cremation | Up to $5,000 lifetime maximum - not subject to deductible |
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Local Burial or Cremation Up to $5,000 lifetime maximum - not subject to deductible
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| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) | Under Age 18: Lifetime maximum: $5,000 / Death: $5,000 / Loss of 2 limbs: $5,000 / Loss of 1 limb: $2,500 Ages 18 Through 69: Lifetime maximum: $25,000 / Death: $25,000 / Loss of 2 limbs: $25,000 / Loss of 1 limb: $12,500 Ages 70 Through 74: Lifetime maximum: $12,500 / Death: $12,500 / Loss of 2 limbs: $12,500 / Loss of 1 limb: $6,250 Age 75 and Older: 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 |
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Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) Under Age 18: Lifetime maximum: $5,000 / Death: $5,000 / Loss of 2 limbs: $5,000 / Loss of 1 limb: $2,500 Ages 18 Through 69: Lifetime maximum: $25,000 / Death: $25,000 / Loss of 2 limbs: $25,000 / Loss of 1 limb: $12,500 Ages 70 Through 74: Lifetime maximum: $12,500 / Death: $12,500 / Loss of 2 limbs: $12,500 / Loss of 1 limb: $6,250 Age 75 and Older: 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 |
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| Common Carrier Accidental Death | Under Age 18: $10,000 Ages 18 Through 69: $50,000 Ages 70 Through 74: $25,000 Age 75 and Older: $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum limit |
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Common Carrier Accidental Death Under Age 18: $10,000 Ages 18 Through 69: $50,000 Ages 70 Through 74: $25,000 Age 75 and Older: $12,500 Subject to a maximum of $250,000 any one family or group - not subject to deductible or overall maximum limit |
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| Trip Interruption | Up to $10,000 - not subject to deductible |
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Trip Interruption Up to $10,000 - not subject to deductible
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| 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 |
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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 |
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| Lost Checked Luggage | Up to $1,000 - not subject to deductible |
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Lost Checked Luggage Up to $1,000 - not subject to deductible
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| Lost or Stolen Passport/Travel Visa | Up to $100 - not subject to deductible |
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Lost or Stolen Passport/Travel Visa Up to $100 - not subject to deductible
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| 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 |
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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
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| Emergency Medical Evacuation | Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click "Exclusions" tab to see benefit description) - not subject to deductible or overall maximum limit |
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Emergency Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition (click "Exclusions" tab to see benefit description) - not subject to deductible or overall maximum limit
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| Political Evacuation | Up to $100,000 lifetime maximum - not subject to deductible |
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Political Evacuation Up to $100,000 lifetime maximum - not subject to deductible
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| Emergency Reunion | Up to $100,000, subject to a maximum of 15 days - not subject to deductible |
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Emergency Reunion Up to $100,000, subject to a maximum of 15 days - not subject to deductible
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| Bedside Visit | Up to $1,500 - not subject to deductible |
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Bedside Visit Up to $1,500 - not subject to deductible
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| Return of Minor Children | Up to $50,000 - not subject to deductible |
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Return of Minor Children Up to $50,000 - not subject to deductible
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| Pet Return | Up to $1,000 - not subject to deductible |
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Pet Return Up to $1,000 - not subject to deductible
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| Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10,000 per certificate period - not subject to deductible or overall maximum limit |
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Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses Up to $10,000 per certificate period - not subject to deductible or overall maximum limit
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| Optional Crisis Response Rider with Natural Disaster Evacuation | Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit |
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Optional Crisis Response Rider with Natural Disaster Evacuation Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation
- not subject to deductible or overall maximum limit |
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| Natural Disaster – Replacement Accommodations | Up to $250 a day for 5 days - not subject to deductible |
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Natural Disaster – Replacement Accommodations Up to $250 a day for 5 days - not subject to deductible
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| Personal Liability | Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit
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Personal Liability Lifetime Maximum: $25,000 Third-Person Injury: Up to $25,000 Third-Person Property: Up to $25,000 Related Third-Person Property: Up to $2,500 - not subject to deductible or overall maximum limit
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| Optional Personal Liability | Lifetime Maximum: $75,000 - not subject to deductible or overall maximum limit
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Optional Personal Liability Lifetime Maximum: $75,000 - not subject to deductible or overall maximum limit
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| Excluded Medical Expenses | 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.
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Excluded Medical Expenses 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.
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| Pre-Existing Conditions | *Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
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Pre-Existing Conditions *Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
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| Acute Onset of Pre-Existing Condition | **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Acute Onset of Pre-Existing Condition **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Access Quality Healthcare Abroad with Air Doctor
Air Doctor offers flexible healthcare options based on your location:
OUTSIDE THE U.S.
Choose from in-clinic visits, telehealth(video), or in-home/hotel appointments within your coverage area. Air Doctor connects you with vetted, local providers for convenient care wherever you are. Deductibles and Co-pays apply.
Air Doctor can provide seamless healthcare access to fit your travel needs.
WITHIN THE U.S.
Telehealth Services for U.S. Policies: For Atlas Travel plans covering the U.S., Air Doctor visits are limited to telehealth (video) services. Deductibles and Co-pays apply.
In-person visits may utilize the UnitedHealthcare PPO network, simply use your United Healthcare PPO network access, which allows you to present your ID card at thousands of network providers nationwide.
Access Trusted Doctors with Air Doctor
With WorldTrips Atlas Travel Insurance, Air Doctor connects you to a network of licensed doctors and medical specialists worldwide with an easy-to-use app, making it easier to find quality healthcare within your coverage area.
Air Doctor can help you to access to quality medical care on your travels within covered areas, so you can focus on exploring with confidence. Learn more about Air Doctor.
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:
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Flexibility – Coverage is available for trips of up to 1 year. You can purchase a plan while traveling, extend your coverage after purchase, or cancel your policy if your plans change.
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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.
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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.
“WorldTrips is the best travel insurance company of 2024, based on our analysis of cost and coverage options.”
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.
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
Real-World Examples of How U.S. Visitor Medical Insurance Works
You come down with an infection that requires inpatient hospitalization.
Medical emergencies can be challenging 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.
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.
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 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.
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WorldTrips is a member of the Tokio Marine HCC group of companies. WorldTrips international travel medical insurance products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).