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Atlas Group travel insurance review

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Atlas Group Travel Insurance

Atlas group insurance offers short term group medical insurance coverage for missionaries, student groups, families, corporate groups and organizations. The group of travelers must comprise of atleast 5 members. 10% discount is available for groups of US citizens or non-US Citizens. It provides coverage for pre-existing condition for travelers in the group up to 70 years.

Eligibility to buy Atlas Group Travel Insurance

  • Groups of 5 or more travelers travelling outside their home country.
  • Missionary groups: Groups travelling to offer help in disaster relief.
  • Student groups: Student groups travelling overseas for studies or on excursions.
  • Family groups: Group of family members travelling abroad.
  • Individuals who are physically located in the state of New York at time of purchase will not be covered.

Atlas Group Travel insurance review

Administrator
WorldTrips
Atlas Group Travel Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Policy maximum

Age 80+: $10,000
Age 65 to 79: $50,000, $100,000.
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, and $2,000,00

Deductible options

Individual deductible options are: $0, $100, $250, $500, $1000, $2500 per each injury or sickness

Coinsurance
Atlas Group Travel Insurance Coinsurance We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
100%
Atlas Group Insurance Underwriter
Underwritten by Lloyds

Atlas Group travel insurance plan related links

  • Application
  • Claims
  • ID card
  • Provider network
  • Detailed description

Atlas Group insurance links

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Plan benefits of Atlas Group insurance

  In-Patient Medical Benefits
Intensive care unit Up to the overall maximum limit.
Hospital indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Hospital room and board Average semi-private room rate, including nursing services.
Urgent care center co-payment Claims incurred in the U.S. - Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S. - No co-payment.
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 local ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Emergency room 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 treatment(acute onset of pain up to 72 hours) Up to $300 (not subject to deductible or coinsurance).
Emergency medical evacuation $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition.
Repatriation of remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
Return of minor children Up to $50,000 (not subject to deductible or coinsurance).
Emergency Reunion Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance).
Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurrence (plan deductible is waived).
Natural disaster Up to $250 a day for 5 days (not subject to deductible or coinsurance).
Lost checked luggage Up to $1000 (not subject to deductible or coinsurance).
Trip interruption Up to $10,000 (not subject to deductible or coinsurance).
Travel delay Up to $100 a day after a 12-hour delay period, maximum of 2 days.
Accidental death & dismemberment 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
Common carrier accidental death 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.
Acute Onset of Pre-Existing Conditions** Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
Acute onset of pre-existing condition emergency medical evacuation Covers up to $25,000 lifetime maximum.
Terrorism Up to $50,000 lifetime maximum for eligible medical expenses only.
Benefit Period 90 days per certificate period.
Lost or Stolen Passport/Travel Visa Up to $100 – not subject to deductible
Pet return Up to $1,000 (not subject to deductible or coinsurance).
Bedside visit Up to $1,500 (not subject to deductible or coinsurance).
Crisis Response (Ransom, Personal Belongings, and Crisis Response Fees and Expenses) Up to $10,000 (not subject to deductible or overall maximum limit).
Optional Crisis Response Rider with Natural Disaster Evacuation Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible or overall maximum limit
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).
Local Burial or Cremation Up to $5,000 lifetime maximum.
Covid-19 Coverage Includes medical coverage for eligible expenses related to Covid-19
Personal liability Up to $25,000 lifetime maximum
Up to $25,000 third person injury
Up to $25,000 third person property
Up to $2,500 related third person property
Optional Personal Liability Rider of up to $75,000 lifetime maximum(not subject to deductible or overall maximum limit)..

Atlas Group - Acute onset of pre-existing condition coverage

Atlas Group visitors insurance pre existing conditions coverage includes coverage for acute onset of pre-existing conditions up to the age of 79 years in the event of life threatening conditions. Travelers can get free Atlas Group Quotes by filling the above form.

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 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:

  1. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
  2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
  3. You must be under eighty (80) years of age;
  4. 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;
  5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
  6. You must be traveling outside your home country

Atlas Group Travel insurance - Frequently asked questions

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.

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.

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.

Atlas Group Insurance PPO network

WorldTrips maintains a wide network of health care providers.
Inside US:
  • If you have purchased the policy after July 2019 then click here
  • If you have purchased the policy before July 2019 then click here
First Health Care Provider NetworkUnited Healthcare Provider Network
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here
Find Provider Network

Travel Insurance for travelers with Pre-Existing Conditions

Here are some tips for buying pre-existing conditions travel insurance:

  1. Choose a travel health insurance with pre-existing conditions coverage.
  2. Review the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting period for coverage of pre-existing conditions.
  4. Consider buying a visitors travel insurance policy with higher coverage limits.
  5. Keep a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Be well informed about accessing emergency medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

WorldTrips acute onset of Pre-existing conditions travel insurance coverage

Atlas America insurance and Atlas premium insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for acute onset of pre-existing conditions work?

The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  • The definition of pre-existing conditions and the look back period under the policy.
  • The eligibility age limit for pre-existing conditions coverage.
  • Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  • The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  • The deductible and out of pocket expenses for pre-existing conditions coverage.
  • The renewability of the policy and its implication for pre-existing condition coverage

Pre-existing conditions coverage - FAQ's

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.

Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.

Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

WorldTrips’s Atlas America and Atlas premium insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.

These Acute on set of pre-existing condition excludes the following conditions

  • Chronic condition or congenital condition
  • Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence
  • Traveler must not be traveling against the recommendations of 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

Atlas Travel Insurance Restrictions

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.

WorldTrips Atlas Group insurance Claims

claims

CLAIMS EMAIL

Email: service@worldtrips.com
Fax: (+1) 317-575-2256

CLAIMS PHONE

1-800-605-2282
For Outside U.S : (317)262-2132

MAIL TO

WorldTrips
251 North Illinois Street,
Suite 600, Indianapolis,
IN 46204

CLAIMS FORM

WorldTrips Claims Forms