WorldTrips Atlas America
The premium visitor insurance plan for the USA. Up to $2,000,000 in medical coverage — the highest ceiling available — with UnitedHealthcare network access.
UHC Network · Mental health covered · Adventure sports add-on available
Up to $2M · UHC Network · Mental health covered
What Makes Atlas America the Premium Choice
Features that go beyond what standard visitor insurance plans offer.
$2,000,000 Max Coverage
The highest medical ceiling in visitor insurance. For families who want absolute maximum protection — no other major plan comes close.
Mental Health Emergencies Covered
Acute psychiatric emergencies are covered at the same level as physical medical emergencies. Most visitor plans exclude this entirely.
Adventure Sports Add-on
Visiting for skiing, diving, or adventure activities? Add the optional rider for coverage during higher-risk recreational activities.
Local Ambulance Included
Local ambulance transport is covered directly — no separate claim process. Important in cities where ambulance costs can exceed $2,000.
Coverage Details
Full benefits breakdown for WorldTrips Atlas America.
| Benefit | Detail |
|---|---|
| Maximum Medical Coverage | $50K, $100K, $500K, $1M, or $2,000,000 |
| Deductible Options | $0, $100, $250, $500, $1,000, $2,500, $5,000 |
| Coinsurance (in-network) | 80/20 up to $5,000, then 100% |
| Coinsurance (out-of-network) | 60/40 up to $10,000, then 100% |
| Pre-existing (Acute Onset) | Covered up to policy maximum |
| Emergency Evacuation | Up to $1,000,000 |
| Repatriation of Remains | Up to $50,000 |
| Emergency Dental | Up to $500 |
| Mental Health Emergency | Covered — same as medical |
| Local Ambulance | Covered |
| Adventure Sports | Optional rider available |
| AD&D | Up to $25,000 |
| Available Ages | 0 days to 79 years (standard) |
| Policy Period | 5 days to 364 days |
| Network | UnitedHealthcare Choice Plus |
Atlas America vs. IMG vs. Trawick
Who each plan is best for.
IMG Patriot America Plus
Best value + most popular
IPA network · Ages 0–99
Trawick Safe Travels USA
Most deductible flexibility
$0–$5,000 deductibles
WorldTrips Atlas America
Highest coverage limits
Up to $2,000,000 · Mental health
WorldTrips Atlas America — FAQs
What is WorldTrips Atlas America?
WorldTrips Atlas America is a premium visitor insurance plan for non-US citizens visiting the United States, underwritten by Sirius International Insurance Corporation. It offers the highest coverage limits available in the visitor insurance market — up to $2,000,000 in medical coverage — along with UnitedHealthcare network access, mental health coverage, and an optional adventure sports rider.
Why choose WorldTrips Atlas America over other visitor insurance plans?
WorldTrips Atlas America is the right choice when maximum coverage is the priority. With up to $2,000,000 in medical benefits, it provides the highest ceiling of any major visitor insurance plan. It also includes mental health emergency coverage, local ambulance, and the option to add adventure sports coverage — features not all plans include. If your parent or family member wants true premium protection, Atlas America delivers it.
Does WorldTrips Atlas America cover pre-existing conditions?
Yes. WorldTrips Atlas America covers the acute onset of pre-existing conditions — a sudden, unexpected emergency directly caused by a known chronic condition (heart disease, diabetes, hypertension, etc.) that requires immediate emergency treatment. Ongoing management of chronic conditions is not covered. The acute onset benefit applies up to the chosen policy maximum.
How much does WorldTrips Atlas America cost?
WorldTrips Atlas America is priced competitively with other premium plans. A 60-year-old with $500,000 in coverage and a $250 deductible for 90 days typically costs $150–$250. The $2,000,000 coverage option costs more but is still affordable relative to the risk it protects against. Get an exact quote using our free tool.
Does WorldTrips Atlas America include mental health coverage?
Yes. WorldTrips Atlas America covers mental health emergencies — including acute psychiatric episodes requiring emergency hospitalization. This is covered at the same benefit level as other medical emergencies. Many competitor visitor insurance plans exclude mental health entirely, so this is a notable advantage of Atlas America.
Can WorldTrips Atlas America cover adventure sports?
Yes, with the optional Adventure Sports rider. The base plan covers injuries from recreational activities (hiking, swimming, cycling). For higher-risk activities like skiing, bungee jumping, or scuba diving beyond a recreational level, the adventure sports rider extends coverage. This must be added at the time of purchase.
Get Your WorldTrips Atlas America Quote
See exact pricing instantly. Compare with IMG and Trawick side-by-side.