Coverage and Plan Details
Plan Coverage Summary
Atlas Travel provides comprehensive medical and emergency coverage for individuals traveling outside their home country. Coverage is available from 5 days up to 12 months, with flexible overall maximum limits from $50,000 to $2,000,000 and deductible options from $0 to $5,000.
Coverage amounts and benefits are subject to deductibles, coinsurance, maximums, exclusions, and limitations as outlined in the Certificate of Insurance. Pre-existing conditions are excluded except as provided under the Acute Onset benefit. This plan is not subject to and does not provide benefits required by the U.S. Affordable Care Act. Please review the full Description of Coverage for complete details.
Key Benefits
Comprehensive Medical Coverage
Covers hospital room and board, ICU, surgery, physician charges, diagnostic testing, prescription drugs (up to 60-day supply per prescription), physical therapy, chiropractic care, home nursing care, durable medical equipment, and more — all up to your selected overall maximum limit. COVID-19/SARS-CoV-2 is covered the same as any other illness.
Emergency Medical Evacuation & Reunion
Covers up to $1,000,000 (lifetime) for emergency transportation to the nearest appropriate medical facility — not subject to your deductible or overall maximum. Emergency Reunion covers up to $100,000 for a relative to fly to your bedside if you are hospitalized, including lodging and meals for up to 15 days. Bedside Visit provides up to $1,500 if you are admitted to an ICU.
Repatriation of Remains & Local Burial or Cremation
Covers transportation of remains home up to your elected overall maximum limit. If burial or cremation at the location of death is preferred, coverage of up to $5,000 is available as an alternative to repatriation.
Political Evacuation
Provides up to $100,000 (lifetime) for transportation to the nearest country of safety or your home country if the U.S. Department of State issues a Level 3 or higher travel advisory after your arrival. You must contact WorldTrips within 10 days of the advisory being issued.
Return of Minor Children & Pet Return
If you are hospitalized and unable to care for dependent children traveling with you, their return home is covered up to $50,000. If your pet is left unattended due to your hospitalization, pet return transportation is covered up to $1,000.
Trip Interruption
Covers up to $10,000 for economy transportation home if your trip is interrupted due to a covered event — such as destruction of your principal residence, death of an immediate family member, or following a covered Emergency Medical Evacuation.
Travel Delay, Lost Luggage & Passport
Travel delay covers accommodations and meals after a 12-hour covered delay requiring an unplanned overnight stay (up to $100/day, max 2 days). Lost checked luggage covers up to $1,000 ($50 per item). Lost or stolen passport/travel visa replacement is covered up to $100.
Natural Disaster — Replacement Accommodations
If you are displaced from your planned accommodations due to a natural disaster, replacement accommodations are covered up to $250/day for up to 5 days.
Border Entry Protection
Unique to Atlas Travel — if you are traveling on a valid B-2 visitor visa and are denied entry to the U.S. at the border, transportation back to your country of origin is covered up to $500.
Crisis Response
Covers up to $10,000 for ransom, personal belongings, and crisis response fees and expenses in the event of a kidnapping or express kidnapping. An optional Crisis Response Rider is available to increase this coverage up to $90,000, including Natural Disaster Evacuation.
Personal Liability
Provides up to $25,000 (lifetime) if you become legally liable for accidental bodily injury or property damage to a third party during your trip. An optional Personal Liability Rider can increase coverage to $75,000.
Terrorism
Covers eligible medical expenses up to $50,000 (lifetime) resulting from an act of terrorism, provided the act does not involve biological, chemical, radioactive, or nuclear agents and you have no involvement in the act.
Acute Onset of Pre-Existing Conditions
While pre-existing conditions are generally excluded, Atlas Travel covers sudden and unexpected acute onset of a pre-existing condition up to the overall maximum limit, and up to $25,000 for Emergency Medical Evacuation — provided treatment is sought within 24 hours and all eligibility conditions are met. You must be under age 80.
Optional Riders
Customize your coverage with optional add-on riders:
Optional Accidental Death & Dismemberment Rider
Available to members ages 18–69. Adds an additional $25,000 AD&D lifetime maximum (death or loss of 2 limbs: $25,000; loss of 1 limb: $12,500). Not subject to deductible or overall maximum.
Optional Crisis Response Rider
Increases Crisis Response coverage up to $90,000 per certificate period and adds Natural Disaster Evacuation coverage of up to $10,000 for evacuation to the nearest safe location plus economy airfare home.
Optional Personal Liability Rider
Increases Personal Liability coverage from $25,000 to $75,000 (lifetime maximum), including third-person injury, property damage, and related third-person property up to $7,500.
Who This Plan is For
Atlas Travel is designed for individuals who want flexible, comprehensive international travel medical coverage with high maximum limits and broad benefit categories — ideal for both short and extended trips outside your home country.
Best for:
- U.S. citizens traveling outside the United States
- Non-U.S. citizens traveling outside their home country
- International travelers seeking high medical and evacuation limits
- Short-term and extended travelers (5 days up to 12 months, renewable)
- Travelers who want flexible deductible and maximum limit options to fit their budget
Also a great fit for:
- Study abroad students and international scholars
- Business travelers and consultants working overseas
- Retirees traveling internationally for extended periods
- Travelers visiting regions where medical care may be limited or costly
- B-2 visa holders visiting the United States who want border entry protection
Age-based maximum limits to be aware of:
| Age at Certificate Effective Date | Overall Maximum Limit |
|---|---|
| Under age 65 | $50,000 / $100,000 / $250,000 / $500,000 / $1,000,000 / $2,000,000 |
| Ages 65–79 | $50,000 or $100,000 |
| Ages 80 and older | $10,000 |
U.S. citizens and residents are not eligible for coverage within the U.S., except as provided under an eligible benefit period. Coverage outside your home country only.
Travel Assistance Services
When the unexpected happens, you are not on your own.
Atlas Travel includes access to 24/7 worldwide travel assistance services administered by WorldTrips, a subsidiary of Tokio Marine HCC. Whether you need emergency medical coordination or help replacing a lost passport, assistance is available around the clock.
Assistance services include:
- 24/7 worldwide emergency assistance — available by phone at any hour
- Emergency medical evacuation coordination and pre-approval
- Emergency reunion arrangements — flying a relative to your bedside
- Return of minor children coordination if you are hospitalized
- Pet return coordination if you are hospitalized
- Political evacuation coordination
- Repatriation of remains or local burial/cremation arrangements
- Lost passport and travel document assistance
- U.S. PPO network access — direct billing to reduce upfront out-of-pocket costs
- Help locating local hospitals, physicians, and medical providers worldwide
- Crisis response coordination (kidnapping/express kidnapping) via Unity Advisory Group / On Call International
Submit claims, find providers, view your certificate, and update your information through the WorldTrips Member Portal at worldtrips.my.site.com/MemberPortal
WorldTrips is a subsidiary of HCC Insurance Holdings, Inc., d/b/a Tokio Marine HCC — a global insurance organization with decades of experience serving international travelers.
Plan Documents
We've simplified the most important coverage details for you throughout this page. If you'd like to review the full policy language, you can access the official plan documents below.
📋 Certificate of Insurance
The full policy document with complete terms, conditions, and coverage details.
❓ Coverage Questions? We're always here to help you understand your coverage before you purchase.
How to File a Claim
We are here to help if you need it.
Claims are handled directly by your insurance carrier, as they are the ones responsible for reviewing, approving, and paying claims based on your policy.
While we don't make claim decisions, our team is here to support you every step of the way - whether that's helping you understand the process or answering questions along the way. Our goal is to make sure you feel confident in what to do next, without navigating it alone.
Filing a claim is simple and can be done online through the WorldTrips Member Portal. You have 60 days from the last day of your certificate period to submit proof of claim.
Log in to the WorldTrips Member Portal and enter your travel and incident details. Have your certificate number and any relevant documentation ready.
Online: worldtrips.my.site.com/MemberPortal
Postal Mail: WorldTrips, P.O. Box 240358, Apple Valley, MN 55124, USA
A complete proof of claim must include:
- A completed and signed Claimant's Statement and Authorization form
- Itemized bills from physicians, hospitals, and other medical providers
- Receipts for any expenses already paid by you or on your behalf
- Police reports (for theft, lost luggage, or traffic accidents)
- Proof of delay or evacuation authorization where applicable
After submitting your claim, you can return to the Member Portal at any time to check your status, view Explanations of Benefits, or upload additional documents.
Once your claim is reviewed and approved, reimbursement will be issued based on your policy coverage. In-network PPO providers may bill WorldTrips directly, reducing your upfront costs. Processing times may vary depending on the complexity of the claim.
If your claim is denied or partially denied, you may file a written appeal within 90 days from the date of denial or the termination date of the policy.
Appeals Online: worldtrips.my.site.com/MemberPortal
Appeals Email: appeals@worldtrips.com
Appeals Mail: WorldTrips Appeals, P.O. Box 241778, Apple Valley, MN 55124, USA
Free Look Period
Atlas Travel offers a flexible cancellation policy to give you peace of mind when purchasing coverage.
Full Refund Before Your Coverage Starts
If you request cancellation before your certificate effective date, your premium will be refunded in full — no questions asked.
Prorated Refund After Coverage Begins
If you need to cancel after your certificate effective date, a prorated refund of unused premium may be available, subject to the following conditions:
- A $25 USD cancellation fee applies for administrative costs
- Only the prorated portion of the unused premium will be refunded
- No claims may have been filed to be eligible for a premium refund
How to Request a Cancellation
To cancel your plan or update your information, contact WorldTrips directly:
- Online: worldtrips.my.site.com/MemberPortal
- Postal Mail: WorldTrips, P.O. Box 240358, Apple Valley, MN 55124, USA
You are required to notify WorldTrips of any change in mailing address or home country within 15 days of the change.
Extending Your Coverage
Coverage can be extended for up to a maximum duration of 12 months total. Any extension is based on eligibility rules in force and is at WorldTrips' sole discretion. Contact WorldTrips or your agent prior to your certificate termination date to request an extension.
Includes a free look (review period) so you can purchase with confidence and review your coverage after checkout.