Atlas Premium Insurance

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Why Should I Upgrade to the Atlas Travel Premium Plan?

No one plans to be injured or delayed while traveling. When international travel incidents occur, the financial implications could be substantial. Many health insurance plans do not cover overseas travel, and you might have to pay medical bills out of pocket without being able to receive any reimbursement for those medical costs when in another country. Lost luggage, travel delays, and bad weather can also incur unexpected expenses.

Atlas Premium™ provides the same benefits as our popular Atlas Travel ® medical plan but includes higher coverage limits for many important benefits. You can build your premium plan by choosing your deductible, coverage length, and overall maximum coverage. With Atlas Premium, you’ll receive built-in higher coverage for several travel medical benefits that are offered as buy-ups in other Atlas Travel plans.

Like Atlas Travel, Atlas Premium offers international travel medical insurance coverage for unexpected medical expenses—including COVID-19-related expenses—and an Emergency Medical Evacuation benefit. You’ll still have access to 24/7 travel assistance services and all your documentation through our Member Portal.

Discover the Benefits of the Atlas Premium Plan

Plan Details
Deductibles	$0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate period
Deductibles $0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate period
Maximum Per Injury or Illness	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
Maximum Per Injury or Illness 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: $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: $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.
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 Premium 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 Premium 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 View policy documents.

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

Medical
Hospital Room and Board	Average semi-private room rate, including nursing services
Hospital Room and Board Average semi-private room rate, including nursing services
Local Ambulance	Usual, reasonable and customary charges, only when covered illness or injury results in hospitalization as inpatient
Local Ambulance Usual, reasonable and customary charges, only when covered illness or injury results in hospitalization as inpatient
Intensive Care Unit	Up to the overall maximum limit
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.
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 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)
Emergency Eye Exam for a Covered Loss Up to $150; $50 deductible per occurrence (plan deductible is waived)
Hospital Indemnity	$100 per day of inpatient hospitalization - not subject to deductible
Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible
*Acute Onset of Pre-Existing Condition (See Benefit Description)	Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation
*Acute Onset of Pre-Existing Condition (See Benefit Description) Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation
Terrorism	Up to $50,000 lifetime maximum, eligible medical expenses only
Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
All Other Eligible Medical Expenses	Up to the overall maximum limit
All Other Eligible Medical Expenses Up to the overall maximum limit
Disclaimers	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 a 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:* The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country
Disclaimers 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 a 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:* The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country

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

Unexpected Death
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.
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
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 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: $100,000 Death: $100,000 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 Ages 70 through 74 Lifetime maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 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
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: $100,000 Death: $100,000 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 Ages 70 through 74 Lifetime maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 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
Common Carrier Accidental Death	Under Age 18 $10,000 Ages 18 through 69 $100,000 Ages 70 through 74 $25,000 Ages 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
Common Carrier Accidental Death Under Age 18 $10,000 Ages 18 through 69 $100,000 Ages 70 through 74 $25,000 Ages 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

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

Supplemental Travel
Trip Interruption	Up to $15,000 - not subject to deductible
Trip Interruption Up to $15,000 - not subject to deductible
Travel Delay	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
Travel Delay 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
Lost Checked Luggage	Up to $2,000 - not subject to deductible
Lost Checked Luggage Up to $2,000 - not subject to deductible
Lost or Stolen Passport/Travel Visa	Up to $100 - not subject to deductible
Lost or Stolen Passport/Travel Visa Up to $100 - not subject to deductible
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
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

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

Emergency Transportation
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
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
Political Evacuation	Up to $150,000 lifetime maximum - not subject to deductible
Political Evacuation Up to $150,000 lifetime maximum - not subject to deductible
Emergency Reunion	Up to $150,000, subject to a maximum of 15 days - not subject to deductible
Emergency Reunion 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
Bedside Visit Up to $1,500 - not subject to deductible
Return of Minor Children	Up to $50,000 - 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
Pet Return Up to $1,000 - not subject to deductible
Disclaimers	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 a 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:* The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country
Disclaimers 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 a 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:* The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country

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

Crisis
Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses, and Natural Disaster Evacuation	Up to $100,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit
Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses, and Natural Disaster Evacuation Up to $100,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit
Natural Disaster – Replacement Accommodations	Up to $500 a day for 5 days - not subject to deductible
Natural Disaster – Replacement Accommodations Up to $500 a day for 5 days - not subject to deductible
Personal Liability	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
Personal Liability 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

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

Exclusions
Excluded Medical Expenses	Certain types of medical expenses are excluded from coverage under Atlas Premium insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions. Charges resulting directly or indirectly from any pre-existing condition, except as covered under the *Acute Onset of Pre-Existing Condition benefit Routine medical examinations Routine pre-natal care, pregnancy, childbirth, and post-natal care Mental health disorders Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports (see Description of Coverage for full list of excluded sports)
Excluded Medical Expenses Certain types of medical expenses are excluded from coverage under Atlas Premium insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions. Charges resulting directly or indirectly from any pre-existing condition, except as covered under the *Acute Onset of Pre-Existing Condition benefit Routine medical examinations Routine pre-natal care, pregnancy, childbirth, and post-natal care Mental health disorders Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports (see Description of Coverage for full list of excluded sports)
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.
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.
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: The Acute Onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country
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: The Acute Onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country

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

Plan Details
Deductibles	$0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate period
Deductibles $0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate period
Maximum Per Injury or Illness	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
Maximum Per Injury or Illness 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: $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: $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.
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 Premium 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 Premium 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 View policy documents.
Hospital Room and Board	Average semi-private room rate, including nursing services
Hospital Room and Board Average semi-private room rate, including nursing services
Local Ambulance	Usual, reasonable and customary charges, only when covered illness or injury results in hospitalization as inpatient
Local Ambulance Usual, reasonable and customary charges, only when covered illness or injury results in hospitalization as inpatient
Intensive Care Unit	Up to the overall maximum limit
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.
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 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)
Emergency Eye Exam for a Covered Loss Up to $150; $50 deductible per occurrence (plan deductible is waived)
Hospital Indemnity	$100 per day of inpatient hospitalization - not subject to deductible
Hospital Indemnity $100 per day of inpatient hospitalization - not subject to deductible
*Acute Onset of Pre-Existing Condition (See Benefit Description)	Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation
*Acute Onset of Pre-Existing Condition (See Benefit Description) Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation
Terrorism	Up to $50,000 lifetime maximum, eligible medical expenses only
Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
All Other Eligible Medical Expenses	Up to the overall maximum limit
All Other Eligible Medical Expenses Up to the overall maximum limit
Disclaimers	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 a 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:* The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country
Disclaimers 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 a 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:* The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country
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.
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
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 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: $100,000 Death: $100,000 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 Ages 70 through 74 Lifetime maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 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
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: $100,000 Death: $100,000 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 Ages 70 through 74 Lifetime maximum: $12,500 Death: $12,500 Loss of 2 limbs: $12,500 Loss of 1 limb: $6,250 Ages 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
Common Carrier Accidental Death	Under Age 18 $10,000 Ages 18 through 69 $100,000 Ages 70 through 74 $25,000 Ages 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
Common Carrier Accidental Death Under Age 18 $10,000 Ages 18 through 69 $100,000 Ages 70 through 74 $25,000 Ages 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 $15,000 - not subject to deductible
Trip Interruption Up to $15,000 - not subject to deductible
Travel Delay	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
Travel Delay 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
Lost Checked Luggage	Up to $2,000 - not subject to deductible
Lost Checked Luggage Up to $2,000 - not subject to deductible
Lost or Stolen Passport/Travel Visa	Up to $100 - not subject to deductible
Lost or Stolen Passport/Travel Visa Up to $100 - not subject to deductible
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
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
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
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
Political Evacuation	Up to $150,000 lifetime maximum - not subject to deductible
Political Evacuation Up to $150,000 lifetime maximum - not subject to deductible
Emergency Reunion	Up to $150,000, subject to a maximum of 15 days - not subject to deductible
Emergency Reunion 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
Bedside Visit Up to $1,500 - not subject to deductible
Return of Minor Children	Up to $50,000 - 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
Pet Return Up to $1,000 - not subject to deductible
Disclaimers	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 a 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:* The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country
Disclaimers 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 a 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:* The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country
Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses, and Natural Disaster Evacuation	Up to $100,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit
Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses, and Natural Disaster Evacuation Up to $100,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit
Natural Disaster – Replacement Accommodations	Up to $500 a day for 5 days - not subject to deductible
Natural Disaster – Replacement Accommodations Up to $500 a day for 5 days - not subject to deductible
Personal Liability	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
Personal Liability 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
Excluded Medical Expenses	Certain types of medical expenses are excluded from coverage under Atlas Premium insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions. Charges resulting directly or indirectly from any pre-existing condition, except as covered under the *Acute Onset of Pre-Existing Condition benefit Routine medical examinations Routine pre-natal care, pregnancy, childbirth, and post-natal care Mental health disorders Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports (see Description of Coverage for full list of excluded sports)
Excluded Medical Expenses Certain types of medical expenses are excluded from coverage under Atlas Premium insurance. Some exclusions are listed here. Please refer to the Description of Coverage for the complete list of exclusions. Charges resulting directly or indirectly from any pre-existing condition, except as covered under the *Acute Onset of Pre-Existing Condition benefit Routine medical examinations Routine pre-natal care, pregnancy, childbirth, and post-natal care Mental health disorders Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports (see Description of Coverage for full list of excluded sports)
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.
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.
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: The Acute Onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country
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: The Acute Onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country

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

The biggest difference between the Atlas Travel® medical plans are the optional upgrades. With Atlas Travel, you have the option to add additional coverage for Accidental Death and Dismemberment, Crisis Response, and Personal Liability. However, with Atlas Travel Premium, these higher travel medical benefit limits are included with your plan.

One optional benefit for both Atlas Travel medical plans is device protection. Many people travel with their smartphones, tablets, or laptops and it could be a shame for them to be damaged while traveling. WorldTrips now offers coverage from bolt for up to $2,000 per plan (up to $1,000 per claim) of device protection for screen cracks, liquid damage, and other accidental damage while you’re traveling abroad.

This budget-friendly addition is a great way to protect your gadgets. It is currently available for trips starting or ending in the U.S.

Why WorldTrips for Travel Medical Insurance?

If you’re shopping for travel medical insurance, then you’re clearly a smart traveler. Comparing coverage isn’t all you should be doing. The company who is insuring you is just as important as the insurance plan you choose. WorldTrips has been providing travel medical insurance coverage for over 25 years. Our team of customer representatives are standing by 24/7 to help with your travel emergencies. Our team is skilled in nearly any spoken language and is ready to help you no matter the time zone or situation.

See why CNN Underscored recently named WorldTrips as a “best travel insurance company” and awarded us their “best financial strength” designation. Of the top eight insurance providers reviewed, our underwriting company is the only one to hold an “A++ (Superior)” financial strength rating from A.M. Best. This means you can feel confident knowing we have the financial backing required to cover any eligible claims that might arise.

cnn-editors-pick

“Of the top eight travel insurance companies in our review, WorldTrips’ underwriting company is the only one to have an A++ (Superior) financial strength rating from AM Best.”

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.

Atlas MultiTrip

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

Go to Member Portal.
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.
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

Download the Authorization Form for Use and/or Disclosure of Protected Health Information .
Print, complete, and have the policyholder sign the form.
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.