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 Insurance is an international travel medical insurance plan designed for travelers needing health coverage outside their home country. It is suitable for non-U.S. residents traveling abroad and U.S. citizens traveling internationally.
The plan helps cover unexpected medical expenses, hospitalization, emergency evacuation, and other travel-related medical needs. It offers no coinsurance within the PPO network and is a popular choice for travelers needing Schengen visa compliant coverage.
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.
While Atlas International provides excellent coverage for many travelers, older travelers often have unique insurance needs. If you are looking specifically for Atlas International travel insurance for seniors over 70 with pre-existing conditions, it offers comprehensive medical coverage, emergency medical evacuation benefits, and coverage options for existing health conditions. Learn more about choosing the best international senior travel insurance for pre-existing conditions.
Atlas International Insurance from WorldTrips provides comprehensive travel medical coverage for individuals traveling outside their home country. It helps protect travelers from unexpected medical expenses, emergency treatment, hospitalization, and travel-related medical emergencies, making it a reliable choice for international travelers.
Top reasons to choose the Atlas International 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 | $26 | $32 | $35 | $41 | $43 | $45 |
| 30 - 39 years | $31 | $38 | $45 | $50 | $55 | $56 |
| 40 - 49 years | $53 | $61 | $64 | $72 | $77 | $79 |
| 50 - 59 years | $90 | $98 | $106 | $112 | $122 | $126 |
| 60 - 64 years | $113 | $118 | $125 | $138 | $147 | $151 |
| 65 - 69 years | $133 | $147 | Not available for this age group | |||
| 70 - 79 years | 205 | 225 | Not available for this age group | |||
| 80 - 99 years | $375/month $10,000 max only, $250 deductible | |||||
For senior travelers aged 80 to 99, the cost is $528/month, with a maximum coverage of $10,000 and a deductible of $250.
| Hospital Room & Board help | Average semi-private room rate, including nursing services. |
| Intensive care unit help | Up to the overall maximum limit. |
| Urgent care center co-payment help | 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 help | Usual, reasonable and customary charges for covered illness or injury. Illness must result 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 72 hours) | Up to $300 (not subject to deductible or coinsurance). |
| Hospital indemnity help | $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
| 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). |
| 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 Eye Exam Copayment | Up to $150. $50 deductible per occurrence (plan deductible is waived). |
| Emergency medical evacuation help | $1M lifetime maximum, except as provided under acute onset of pre-existing condition. |
| Emergency reunion | Up to $100k, maximum of 15 days (not subject to deductible or coinsurance) |
| 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 help | Up to $50k (not subject to deductible or coinsurance). |
| Local Burial or Cremation help | Up to $5,000 lifetime maximum. |
| Travel Delay help | Up to $100 a day after a 12-hour delay period, maximum of 2 days. |
| Emergency reunion help | Up to $100k, maximum of 15 days (not subject to deductible or coinsurance) |
| Natural disaster evacuation help | Up to $250 a day for 5 days (not subject to deductible or coinsurance). |
| Emergency Eye Exam for a Covered Loss help | Up to $150. $50 deductible per occurrence (plan deductible is waived). |
| Political evacuation help | Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). |
| Benefit Period | 90 days per certificate period. |
| Personal liability help | Up to $25k lifetime maximum Up to $25k third person injury Up to $25k third person property Up to $2,500 related third person property Optional Personal Liability Rider of up to $75k lifetime maximum(not subject to deductible or overall maximum limit). |
| Local Burial or Cremation help | Up to $5,000 lifetime maximum. |
| Accidental death & dismemberment help | Members under age 18: Up to $5k lifetime maximum. Members age 18-69: Up to $25k lifetime maximum. Members age 70-74: Up to $12,500 lifetime maximum. Members age 75 and older: Up to $6,250 lifetime maximum. $250,000 maximum benefit any one family or group. Accidental death & dismemberment buy up: $25k |
| Common carrier accidental death help | Up to $50k for ages 18 through 69 Up to $10,000 under age 18 Up to $25,000 for ages 70 through 74 Up to $12,500 for ages 75 and older Maximum of $250k for any one family or group. |
| Acute Onset of Pre-Existing* help | Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation. | |
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.Atlas International Insurance also provides optional buy-up coverage for the following:
Additional Accidental Death and Dismemberment (for ages 18 - 69 years)
The Personal Liability benefit included in your plan pays for eligible expenses if you become legally liable to pay damages resulting from:
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
