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Atlas Group travel insurance review

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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

WorldTrips
Administrator
WorldTrips
Atlas Group Insurance Underwriter
Underwritten by Lloyds
Atlas Group Travel Insurance Coinsurance
We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Atlas Group Travel Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-

Atlas Group Travel Insurance related links


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Comprehensive Plan

Plan highlights of Atlas Group travel insurance

TATA AIG travel insurance premium chart
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

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Deductible

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

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Plan benefits of WorldsTrips Atlas Group Insurance

  In-Patient Medical Benefits
Hospital room and board? Average semi-private room rate, including nursing services.
Intensive care unit? Up to the overall maximum limit.
Hospital indemnity? $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Covid-19 Coverage Includes medical coverage for eligible expenses related to Covid-19
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 co-payment Claims incurred in the U.S.- Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Claims incurred outside the U.S.- No co-payment.
Emergency dental (acute onset of pain up to 72 hours)? Up to $300 (not subject to deductible or coinsurance).
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.
Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurrence (plan deductible is waived).
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**? Covers up to overall maximum limit, under age 80.
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.
Political evacuation? Up to $10,000 lifetime maximum (not subject to deductible or coinsurance).
Benefit Period 90 days per certificate period.
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).
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.

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 Coronavirus Covid

Covid19 International Travel insurance for Coronavirus

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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

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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

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