Atlas Multi Trip Insurance for coronavirus | WorldTrips Atlas MultiTrip insurance | travel insurance for multiple overseas trips.

Atlas Multitrip Insurance - Key Highlights

This plan is for people doing multiple trips outside their home country during a period of one year.
Coverage applies to multiple trips up to 30 or 45 days (as elected) in length during the 364 day contract period.
Plan provides an overall maximum limit of $1,000,000.
Plan provides a deductible of $250 per covered trip.
There is no co-insurance and the plan pays 100% of eligible expenses after the deductible up to overall maximum limit.
For claims incurred in the US,there will be $200 co-payment for each use of the emergency room for an illness unless you are admitted to hospital. No co-payment for treatment of injury in an emergency room. For claims incurred outside the US, no co-payment.
For claims incurred in the US, there will be $15 co-payment for Urgent Care Center for each visit and no co-payment for $0 deductible. For claims incurred outside the US, no co-payment.
Acute onset of pre-existing condition is available up to the overall maximum limit only for under age 70 (excludes chronic and congenital conditions) and $25,000 lifetime maximum for emergency medical evacuation.
Emergency dental(acute onset) up to $300 coverage is available.
Emergency Medical Evacuation of $1,000,000 lifetime maximum is available except as under acute onset of pre-existing conditions(not subject to deductible or overall maximum limit.
Trip Interruption is available up to $10,000 not subject to deductible.
Travel delay coverage available for $100 a day after a 12 hour delay period requiring unplanned overnight stay. Subject to maximum of 2 days(Not subject to deductible).
Travel delay coverage available for $100 a day after a 12 hour delay period requiring unplanned overnight stay. Subject to maximum of 2 days(Not subject to deductible).
Lost checked luggage covered up to $1000(Not subject to deductible).
Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available for up to $10,000 (not subject to deductible or overall maximum limit)
Accidental death and dismemberment is available (Excludes loss due to common carrier accident). Details are in the Brochure of the plan.

WorldTrips Atlas Multitrip travel insurance Summary

Atlas Multitrip insurance Eligibility

If you are under age 66 and you maintain medical insurance that covers you while you are in your Home Country, you are eligible for Atlas MultiTrip.
Your Spouse under age 66 and dependent children who are at least 14 days up through age 18 may also be covered, provided they too maintain medical insurance that covers them while they are in their Home Country.

Atlas Multitrip insurance Coinsurance

Claims incurred inside U.S.: For each trip, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit.
Claims incurred outside U.S.: For each trip, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.

Acute Onset of Pre-Existing Condition

Acute Onset of Pre-Existing Conditions Atlas Travel provides a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 80, you may be covered for an acute onset of a pre-existing condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation.

An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.

Steps to buy
US travel insurance online

Complete the travel insurance quote form by providing traveler details and the insurance requirements.

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Buy the plan that fits your needs and budget by using a credit card and completing the online application.

Review the visitors insurance documents download visa letter is required.

Atlas MultiTrip 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.

Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.

The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.

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

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 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 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 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.

WorldTrips 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.

WorldTrips Covid19 travel insurance by Atlas MultiTrip 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.

Travel Insurance for travelers with Pre-Existing Conditions

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

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

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.

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.

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.

Plan benefits of Atlas Multitrip insurance

Hospital room and board	Average semi-private room rate, including nursing services.
Intensive care unit	Up to the overall maximum limit.
Covid Coverage	Atlas Multi trip Covid19 Annual Travel insurance for Coronavirus offers coverage for unexpected medical expenses, including eligible expenses related to Covid19.

Outpatient physical therapy and chiropractic care	Atlas Multi trip Covid19 Annual Travel insurance for Coronavirus offers coverage for unexpected medical expenses, including eligible expenses related to Covid19.
Urgent care center co-payment	Claims incurred in the U.S.- Up to $25 co-payment. (co-payment is waived for members with a $0 deductible) Claims incurred outside the U.S.- No co-payment.

Emergency local ambulance	Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.
Emergency Eye Exam for a Covered Loss	Up to $150. $50 deductible per occurrence (plan deductible is waived).
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 $300 - 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
Repatriation of remains	Up to $50,000 -not subject to deductible
Trip Interruption	Up to $10,000 - not subject to deductible
Travel Delay	Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. - not subject to deductible
Emergency reunion	Up to $100,000, subject to a maximum of 15 days -not subject to deductible
Natural Disaster – Replacement Accommodations	Up to $250 per day for up to 5 days -not subject to deductible
Political evacuation	Up to $100,000 lifetime maximum - not subject to deductible
Lost Checked Luggage	Up to $1,000 - not subject to deductible
Lost or Stolen Passport/Travel Visa	Up to $100 - not subject to deductible
Political Evacuation	Up to $100,000 lifetime maximum - not subject to deductible

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.
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 condition	Covers up to overall maximum limit, under age 70.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions)

Pet Return	Up to $1,000 - 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).
Sports Coverage	Certain extreme or adventure sports activities is included.

Acute Onset of Pre-Existing Condition*	Covers up to overall maximum limit, under age 70.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions)

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