Best international travel insurance plan with coverage for acute onset of pre-existing conditions while traveling outside their home country. Meets Schengen visa requirements
Atlas International Premium Insurance by WorldTrips is a comprehensive travel medical insurance plan designed for individuals traveling outside their home country. It provides coverage for unexpected illnesses and injuries during international travel and is suitable for tourists, business travelers, vacationers, and other international travelers seeking medical protection abroad.
The plan helps cover eligible medical expenses, hospitalization, emergency treatment, emergency medical evacuation, repatriation of remains, and other covered travel-related medical needs. Eligible expenses are generally covered at 100% after the deductible up to the overall maximum limit, subject to the plan terms, conditions, and benefit limitations.
The policy maximum amount of coverage is the total dollar amount of benefits available under the Atlas International plan. Once the maximum is reached, no additional benefits will be paid.
Atlas International Premium Insurance from WorldTrips provides comprehensive travel medical coverage for individuals traveling outside their home country. It helps protect travelers against unexpected illnesses and injuries, eligible medical expenses, emergency treatment, hospitalization, emergency medical evacuation, and other covered travel-related medical situations.
Top reasons to choose the Atlas International Premium plan include:The Atlas International insurance cost per month is starting at just $26 to $375 premiums varying based on the traveler's age, trip duration, selected coverage limit, and deductible. Higher coverage limits generally cost more, while choosing a higher deductible can lower your premium.
Below is the monthly cost of Atlas International insurance of coverage with a $250 deductible
| Age of traveler | $50,000 | $100,000 | $250,000 | $500,000 | $1 Million | $2 Million |
|---|---|---|---|---|---|---|
| 18 - 29 years | $38 | $46 | $51 | $59 | $62 | $64 |
| 30 – 39 years | $45 | $55 | $64 | $72 | $79 | $81 |
| 40 – 49 years | $76 | $88 | $92 | $104 | $111 | $115 |
| 50 - 59 years | $130 | $142 | $153 | $163 | $176 | $182 |
| 60 -64 years | $164 | $170 | $181 | $200 | $212 | $218 |
| 65 – 69 years | $193 | $213 | ||||
| 70 -79 years | $296 | $326 |
For senior travelers aged 80 to 99, the cost is $542/month, with a maximum coverage of $10,000 and a deductible of $250.
| Hospital room and board | Average semi-private room rate, including nursing services. |
| Intensive care unit | Up to the overall maximum limit. |
| Hospital indemnity | Up to $100 a day after |
| Emergency Quarantine Indemnity - COVID 19 | $50 a day for up to 10 days. 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.(only available outside your home country). |
| Outpatient physical therapy and chiropractic care | Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance). |
| Urgent care center co-payment | Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible) Claims incurred outside the U.S.- No co-payment. |
| Emergency 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.- Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury) Claims incurred outside the U.S.- No co-payment. |
| Emergency dental (acute onset of pain) | Up to $300 (not subject to deductible or coinsurance). |
| Emergency medical evacuation | $1M lifetime maximum, except as provided under acute onset of pre-existing condition. |
| Emergency reunion | Up to $150k, subject to a maximum of 15 days - not subject to deductible |
| Repatriation of remains | Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. |
| Return of minor children | Up to $50k (not subject to deductible or coinsurance). |
| Travel Delay | Up to $200 a day after a 12-hour delay period, maximum of 2 days. |
| Emergency reunion | Up to $150k, maximum of 15 days (not subject to deductible or coinsurance) |
| Natural disaster evacuation | $10,00 (not subject to deductible or coinsurance). |
| Emergency Eye Exam for a Covered Loss | Up to $150, $50 deductible per occurrence (plan deductible is waived). |
| Political evacuation | Up to $150k lifetime maximum (not subject to deductible or coinsurance). |
| Personal liability | Up to $100k lifetime maximum Up to $100k third person injury Up to $100k third person property Up to $2,500 related third person property(not subject to deductible or overall maximum limit). |
| Local Burial or Cremation | Up to $5k lifetime maximum. |
| Accidental death & dismemberment | Members under age 18: Up to $5k lifetime maximum. Members age 18-69: Up to $100k lifetime maximum. Members age 70-74: Up to $12,500 lifetime maximum. Members age 75 and older: Up to $6,250 lifetime maximum. $250k maximum benefit any one family or group. Accidental death & dismemberment buy up: $25k |
| Common carrier accidental death | Up to $100k for ages 18 through 69 Up to $10k under age 18 Up to $25,000 for ages 70 through 74 Up to $12,500 for ages 75 and older |
| Trip Interruption | Up to $15k (not subject to deductible or coinsurance). |
| Loss of Checked Baggage help | Up to $2,000 (not subject to deductible ) |
| Acute Onset of Pre-Existing Condition* | Covers up to overall maximum limit. Up to $25k lifetime maximum for Emergency Medical Evacuation. |
| Terrorism | Up to $300 – not subject to deductible |
| Lost or Stolen Passport/Travel Visa | Up to $100 – not subject to deductible |
| Pet return | $1k |
| Bedside visit | Up to $1,500 (not subject to deductible or coinsurance). |
| Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses) | Up to $100k per certificate period |
| 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). |
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by WorldTrips to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. Atlas International travel medical insurance PPO Network is United Healthcare network.
When seeking treatment within the U.S., you may reduce your out-of-pocket costs by visiting a doctor within your preferred provider organization (PPO). A PPO is a network of hundreds of thousands of established, highly qualified medical practitioners and well-recognized hospitals in the U.S.
Yes, Atlas International Insurance is ideal for long-term international travel insurance needs, offering coverage up to 364 days with renewable options for extended overseas medical insurance.
This Atlas International travel medical insurance covers acute onset of pre-existing conditions, not full treatment, making it suitable for travelers needing limited pre-existing condition coverage abroad.
Yes, in most cases you can purchase Atlas International insurance for travel abroad even after departure, making it a flexible overseas travel insurance plan.
Yes, Atlas International insurance for Schengen visa and other destinations meets most of the international visa insurance requirements, but always confirm specific country rules before travel.
Atlas Travel policyholders who are U.S. citizens or non-U.S. citizens traveling outside of the U.S. will be covered under Atlas International, which provides coverage outside of the United States. Atlas Travel policyholders who are non-U.S. citizens (and home country is not the United States) traveling to the United States will be covered under Atlas America. (For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands).
The correct plan will be automatically selected for you when you purchase your Atlas Travel plan, depending on whether your trip includes coverage for the U.S. (You will only be covered for the U.S. if you are a non-U.S. citizen, your home country is not the United States, and all or part of your travel includes the U.S.).
Email: service@worldtrips.com
1-800-628-4664
Mail to WorldTrips PO Box 240358
Apple Valley, MN 55124
