Atlas Travel vs Atlas Premium , Compare atlas travel insurance by World Trips

How much does visitor health insurance USA cost?

Compare Atlas travel insurance for USA by WorldTrips

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* General definition of pre-existing condition:
"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

** Acute onset of pre-existing condition:
Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Compare Atlas America, Atlas Premium and Atlas Essential Plans for USA

International travel involves high risks and uncertainties. A sudden mishap like sickness or accidental injuries which results in hospitalization can lead to a big financial loss. Travel risks include trip interruption, trip delay, trip cancellation, loss of baggage, loss of passport, emergency evacuation and more. In destinations like the US where the health care is sophisticated and extremely high. The travelers to the US must buy good and adequate Visitor medical insurance which would cover most of the expenses. World Trips offer Atlas travel insurance which is quite popular among International tourists to USA. WorldTrips Atlas Travel Insurance ratings by AM Best Rating is A++ (Superior).

Here the visitor can compare US visitor insurance cost of Atlas America Insurance , Atlas Premium Insurance and Atlas Essential Insurance are the two best visitors insurance for USA. Atlas Premium insurance offers high end coverage for travelers looking for extensive coverage.

Popular Comprehensive Travel Insurance plans - Key highlights

Atlas America Insurance - Key Highlights

This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
This plan is available to both Non-US citizens and US citizens traveling outside their home country.
The deductible options for this plan are $0, $100, $250, $500, $1000, $2500 and $5000 per Certificate period.
The policy maximum options available with this plan are $50,000, $100,000,250,000, $500,000, $1000,000 or $2,000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $10,000.
You will be eligible for coverage of acute onset of pre-existing conditions if you are younger than 80 and all the conditions mentioned in the brochure are met. This includes a $25,000 lifetime maximum for emergency medical evacuation.
Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
Trip Interruption coverage available for upto $10,000 not subject to deductible
Travel Delay coverage is available for upto $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
Lost checked luggage up to $1000 - not subject to deductible.
Political Evacuation available up to $100,000 lifetime maximum not subject to deductible.
Bedside visit up to $1500 not subject to deductible.
Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10,000 per member, from age 18 to 69 - $50,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Atlas International Insurance - Key Highlights

This plan is a comprehensive international plan that is available for Non US citizens and US citizens traveling outside their home country.
The deductible options for this plan are $0, $100, $250, $500, $1000 , $2500 and $5000 per Certificate period
The policy maximum options available with this plan are $50,000, $100,000 ,$250,000 ,$500,000 , $1000,000 or $2,000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $10,000.
No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
Trip Interruption coverage available for up to $10,000 not subject to deductible.
Travel Delay coverage is available for up to $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
Lost checked luggage up to $1000 - not subject to deductible.
Political Evacuation available up to $100,000 lifetime maximum not subject to deductible.
Bedside visit up to $1500 not subject to deductible.
Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10,000 per member, from age 18 to 69 - $50,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Atlas Essential Insurance - Key Highlights

The deductible options for this plan are $0, $100, $250, $500, $1000, $2500 and $5000 per Certificate period.
The policy maximum options available with this plan are $50,000, $100,000,250,000, $500,000, or $1000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $10,000.
Co-insurance with this plan for expenses incurred within the PPO, 75% of the expenses after the deductible is paid by the company and rest needs to be paid by you(insured).
Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible. For claims outside the US, there is no co-payment.
Emergency Medical Evacuation is covered for $500,000 lifetime maximum(Not subject to deductible, co-insurance or overall maximum limit).

Atlas Premium Insurance - Key Highlights

The deductible options for this plan are $0, $100, $250, $500, $1000 , $2500 and $5000 per Certificate period
The policy maximum options available with this plan are $50,000, $100,000 ,$250,000 ,$500,000 , $1000,000 or $2,000,000 for people up to the age of 65 For people in the age range of 65 to 79, the options are $50,000 and $100,000 and for people above 80 the only option is $20,000.
No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
Trip Interruption coverage available for up to $15,000 not subject to deductible.
Travel Delay coverage is available for up to $200 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
Lost checked luggage up to $2000 - not subject to deductible.
Political Evacuation available up to $150,000 lifetime maximum not subject to deductible.
Bedside visit up to $1500 not subject to deductible.
Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10,000 per member, from age 18 to 69 - $100,000 per member, age 70 to 74 - $25000 and for age 75+ $12,500.
Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Factors to consider while comparing WorldTrips Atlas Insurance

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America Insurance, Atlas Premium Insurance and Atlas Essential Insurance:

Compare visitor medical insurance maximum coverage between Atlas America insurance, Atlas Premium Insurance and Atlas Essential Insurance:
This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million, Atlas Premium Insurance offers coverage up to 2 million and Atlas Essential Insurance offers coverage up to 1 million. Atlas Premium offers $20,000 maximum for older travelers above 80 years , Atlas America Insurance offers $10,000 maximum for older travelers above 80 years and Atlas Essential Insurance offers $10,000 maximum for older travelers above 80 years.
Compare visitors health insurance deductible options between Atlas America insurance, Atlas Premium Insurance and Atlas Essential Insurance:
This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Atlas America insurance, Atlas Premium Insurance and Atlas Essential Insurance these plans offers a set of deductible options for the travelers to choose from. Atlas America insurance, Atlas Premium Insurance and Atlas Essential Insurance Insurance have a range of deductible option from $0 up to $5,000.
Compare travel medical insurance provider network for Atlas America insurance, Atlas Premium Insurance and Atlas Essential Insurance:
It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
Compare travel insurance coinsurance options for Atlas America insurance, Atlas Premium Insurance and Atlas Essential Insurance:
This is a percentage of the bill that the travel has to pay. Atlas America, Atlas Premium and Atlas Essential plans pays 100% of eligible expenses after the deductible up to the overall maximum limit.
Contrast the travel health Insurance renewability options for Atlas America insurance, Atlas Premium Insurance and Atlas Essential Insurance:
Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas America Insurance can be renewed for 364 days while Atlas Premium Insurance and Atlas Essential also can be renewed up to a total of 364 days.
Compare eligibility options of US visitors travel insurance for Atlas America insurance, Atlas Premium Insurance and Atlas Essential Insurance:
Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas America Insurance is quite popular among h1b/ h4 visa holders and students on opt status as it has not limitation on buying insurance if they are already in the US for quite some time.
Compare visitors insurance Pre-existing conditions coverage for Atlas America insurance, Atlas Premium Insurance and Atlas Essential Insurance:
Compare average cost of the USA travel insurance with covid coverage : Atlas America Insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years , Atlas Premium Insurance also offers coverage for acute onset of pre-existing conditions up to the age of 79 years and Atlas Essential Insurance Not Covered.

Atlas America vs Atlas Premium vs Atlas Essential - FAQs

Is WorldTrips travel insurance a reliable insurance company? Is WorldTrips insurance a good insurance company?

WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas. This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

Is there coverage for Covid-19 illness in WorldTrips travel insurance?

WorldTrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

Is WorldTrips insurance a legit company?

WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.

Can I buy travel insurance from WorldTrips?

WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?

WorldTrips covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority. Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.

Why should I buy travel insurance from WorldTrips insurance?

World trips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.

Can visitors to USA buy Atlas America insurance who are already in USA for quite some time?

Yes, Atlas America insurance is a good option for visitors to US who have been here for some time and do not have a current insurance coverage. It is also an excellent plan for international students who are on the OPT status, H1B visa holders and for Spouses of H1B visa holders on the H4 visa status.

Does Atlas America insurance offer coverage for sports?

Atlas America covers eligible injuries and illness incurred while taking part in many popular vacation sports - skiing, snowboarding, snorkelling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.

Does Atlas America offer coverage for maternity?

Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.

Can I extend my medical coverage from Atlas America insurance if I want to extend my duration of stay in USA?

Yes, US Visitors who had initially bought for less than 364 days can renew Atlas America insurance online up to 364 days.

Does Atlas America insurance cover pre-existing conditions?

Atlas America is a best travel insurance pre existing conditions Insurance that offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It excludes coverage for chronic and congenital conditions. For visitors aged up to 70 years, it offers coverage up to overall maximum limit. Visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100,000, whichever is lower.

How to use Atlas America visitor medical insurance in case of emergency in the United states?

Visitors can review this article on how to use Atlas America visitor medical insurance in case of emergency in the United States.

Does the Atlas America plan cover 100% outside PPO. Does it cover outside the United States and pay100% inside and outside PPO?

The Atlas America plan covers 100% of the expenses outside PPO. Yes, it provides worldwide coverage including and excluding USA.

What are the US state and country restrictions to buy Atlas America Visitors Insurance plan?

The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.

How does Atlas America insurance offer coverage for medical expenses?

Atlas America insurance offers comprehensive coverage for visitors to USA. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “First Health care network or United health care.”. When Traveling Outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Atlas America insurance pays 100% up to maximum limit. For detailed working example of how it works, you can review Atlas America insurance working example.
Does Atlas America insurance satisfy US visa requirements?
As a visitor to the United States, you will need to have a visa issued in your passport to be allowed in to country. You can find out whether or not you need a US visa by reviewing the visa waiver program list of countries by the US government. The type of visa that you need will be based on the reason of your travel to the US. Atlas America insurance offered by WorldTrips works ideally for visitors to the US applying for any of these visas.
Some of the common US visas are:

Visitor visa or Tourist Visa

Student visa (F1 visa)

Fiancee visa

J visa (exchange scholar visa)

H1B work visa
Is WorldTrips travel insurance a reliable insurance company? Is WorldTrips insurance a good insurance company?

WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas. This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

Is there coverage for Covid-19 illness in WorldTrips travel insurance?

WorldTrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

Is WorldTrips insurance a legit company?

WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.

Can I buy travel insurance from WorldTrips?

WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?

WorldTrips covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority. Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.

Why should I buy travel insurance from WorldTrips insurance?

World trips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.

Does Atlas Premium Insurance cover covid illness?

worldTrips Covid19 travel insurance by Atlas Premium travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Does Atlas Premium insurance satisfy US visa requirements?
As a visitor to the United States, you will need to have a visa issued in your passport to be allowed in to country. You can find out whether or not you need a US visa by reviewing the visa waiver program list of countries by the US government. The type of visa that you need will be based on the reason of your travel to the US. Atlas America insurance offered by WorldTrips works ideally for visitors to the US applying for any of these visas.
Some of the common US visas are:

Visitor visa or Tourist Visa

Student visa (F1 visa)

Fiancee visa

J visa (exchange scholar visa)

H1B work visa
What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?

WorldTrips covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority. Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.

Why should I buy travel insurance from WorldTrips insurance?

World trips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.

Does Atlas Essential Insurance cover covid illness?

worldTrips Covid19 travel insurance by Atlas Premium travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

WorldTrips travel insurance - Common Questions

WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas.

This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.

WorldTrips insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.

The cost of the Worldtrips travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas Travel plans. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.

The main requirements for applying for WorldTrips insurance is the travelers passport details and the travel dates. You can apply for WorldTrips travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying

WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

WorldTrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

Compare Travel Plans Atlas Travel versus Atlas Premium versus Atlas Essential	Atlas America Plan Maximum Deductible Atlas Travel Insurance covers covid19 illness Buy Now	Atlas Premium America Plan Maximum Deductible Atlas Premium Insurance covers covid19 illness Buy Now	Atlas Essential America Plan Maximum Deductible Atlas Essential Insurance covers covid19 illness Buy Now
Covid19 Coverage	Atlas America Insurance covers eligible costs related to COVID-19	Atlas Premium Insurance covers eligible costs related to COVID-19	Atlas Essential Insurance covers eligible costs related to COVID-19
Medical Maximum Options	Age 80 or older - $10,000; Age 65 to 79 - $50,000, $100,000; All others - $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000.	Age 80 or older - $20,000; Age 65 to 79 - $50,000, $100,000; All others - $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000.	Age 80 or older - $10,000; Age 65 to 79 - $50,000, $100,000; All others - $50,000, $100,000, $250,000, $500,000, or $1,000,000.
Deductible Options	$0, $100, $250, $500, $1,000, $2,500 or $5,000	$0, $100, $250, $500, $1,000, $2,500, or $5,000	$0, $100, $250, $500, $1,000, $2,500 or $5,000
Medical Benefits
Hospital room and board	Average semi-private room rate, including nursing services	Average semi-private room rate, including nursing services	Average semi-private room rate, including nursing services
Intensive care unit	Up to the overall maximum limit	Up to the overall maximum limit	Up to the overall maximum limit
Hospital indemnity	$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).	$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).	Not Available
Urgent Care Clinic	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.	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.	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.
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).	Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).	Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).>
Emergency Services
Emergency local ambulance	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Hospital emergency room	Outside the U.S: No co-payment. Inside 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)	Outside the U.S: No co-payment. Inside 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)	Outside the U.S: No co-payment. Inside 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)
Dental
Emergency dental treatment	Up to $300 (not subject to deductible or coinsurance).	Up to $300 (not subject to deductible or coinsurance).h	Up to $300 (not subject to deductible or coinsurance).n
Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions	Under 80 years of age,covers up to overall maximum limit. covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions)	Under 80 years of age,covers up to overall maximum limit. covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions)	Not Covered
Life
AD&D	Members under age 18: Up to $5,000 lifetime maximum. Members age 18-69: Up to $25,000 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: $25,000	Members under age 18: Up to $5,000 lifetime maximum. Members age 18-69: Up to $25,000 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: $25,000	Not Covered
Common carrier AD&D	Up to $50,000 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 $250,000 for any one family or group.	Up to $50,000 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 $250,000 for any one family or groupe	Not Covered
Evacuation
Emergency medical evacuation	$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.	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	Up to $500,000 lifetime maximum, not subject to deductible or coinsurance.
Emergency reunion	Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance)	Up to $150,000, subject to a maximum of 15 days (not subject to deductible )e	Not Covered
Return of mortal remains or cremation/burial	Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.	Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.	Up to $25,000 lifetime maximum (not subject to deductible, or coinsurance, or overall maximum limi
Return of minor children	Up to $50,000 (not subject to deductible or coinsurance).	Up to $50,000 (not subject to deductible or coinsurance).	Not Available
Political evacuation and repatriation	Up to $100,000 lifetime maximum (not subject to deductible or coinsurance).	Up to $150,000 lifetime maximum. (not subject to deductible or coinsurance).	Not Available
Natural disaster evacuation	Up to $250 a day for 5 days (not subject to deductible or coinsurance).	Up to $500 a day for 5 days (not subject to deductible or coinsurance).	Not Available
Trip interruption	Up to $10,000 (not subject to deductible or coinsurance)	Up to $15,000 (not subject to deductible or coinsurance)	Not Available
Trip Delay	Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance)	Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance)	Not Available
Terrorism	Up to $50,000 lifetime maximum for eligible medical expenses only.	Up to $50,000 lifetime maximum, eligible medical expenses only.	Up to $50,000 lifetime maximum for eligible medical expenses only.
Optional Personal Liability Rider	Up to $75,000 lifetime maximum - not subject to deductible or overall maximum limit.	-	-
Unique Advantages	Atlas America Insurance is designed for travelers on H1B/H4 visa holders or students on OPT status. Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.	Atlas Premium provides coverage with higher benefit limits. It is ideal for shorter trip or you are seeking more extensive coverage as you travel abroad.	Atlas Essential Insurance is best for travelers with less premium insurance. Atlas Essential offers less benefits.
Travel Insurance
Underwriter	Atlas Travel Insurance Underwriter Lloyd's	Atlas Premium Insurance Underwriter Underwritten by Lloyds, London	Atlas Essential Insurance Underwriter Underwritten by Lloyds, London
Rating	AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-	AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-	AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-
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