Atlas Group Insurance

  • Who: Atlas Group Insurance by WorldTrips is available for US and non-US citizens traveling outside their home country. Designed to provide medical coverage to missionaries, large family and friend groups on vacation, student groups, corporate groups, and overseas excursions for other large organizations. Available to individuals from age 14days to 80+
  • What: Provides visitors with medical accidents and illnesses coverage for in-patient as well as out-patient visits, coverage for emergency medical treatment, pregnancy complications, evacuation, repatriation of remains, trip interruption, baggage, AD&D, acts of terrorism, natural disasters, and more. 
  • Where: Atlas Group® Travel Insurance provides coverage outside the home country. Atlas Group® America provides coverage to Non-US citizens needing coverage in the US while Atlas Group® International provides coverage to US citizens as well as non-US citizens needing coverage outside U.S.
Atlas Group Insurance

Why is Atlas Group® Plan Good for Visitors?

Atlas Group® Insurance provides visitor groups traveling abroad with flexible, budget-friendly coverage. Groups can build their plan by choosing the deductible, coverage length, and overall maximum coverage. If you are traveling in groups of 5 or more, the Atlas Group® provides you with discounted insurance rates. International and multi-lingual client service is available 24/7, making travel assistance easily available wherever in the world one is. Group plans can provide coverage for trips of 10 days to up to two years.International and multi lingual client service is available 24/7, making travel assistance easily available wherever in the world one is. Group plans can provide coverage for trips of 10 days to up to two years.

Plan Benefits: Atlas Group® Travel Insurance provides comprehensive medical coverage for the treatment of new sicknesses and injuries. In addition, emergency medical evacuation, coverage for terrorism, and related events as well as repatriation of remains are covered. Injuries that occur while taking part in popular holiday sports such as snowboarding, skiing, and snorkeling are covered. You can review the complete benefits in the Brochure.

Pre-existing: For ages under 80 years, Atlas Group® covers acute onset of a non-chronic and non-congenital pre-existing condition up to the policy maximum. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation.

PPO Hospital NetworkInside the US:  if you are a Non-US or Non-EU citizen/resident traveling in the US  you will use – United HealthCare PPO Network. If you are an EU citizen traveling in the US you will use – First Health Network

Outside the US: You may visit any provider you choose.  

Special Feature 1: Plan covers eligible injuries and illnesses that could occur while participating in many popular vacation sports at no additional cost.

Special Feature 2:  Includes medical coverage for eligible expenses related to COVID-19

Special Feature 3: Optional coverage for Personal Liability, AD&D, and Crisis Response coverage.

visitors health insurance for groups

What Coverage and Benefits are offered by Atlas Group Insurance?

The Atlas Group® Travel Insurance is a comprehensive visitor health insurance policy providing medical insurance for visitors- US as well as non-US citizens traveling outside their home country. The policy provides coverage for unexpected injury and illnesses while you are traveling. The plan can be bought from 5 days to a maximum of 364 days after which you can re-apply for the plan. You can choose from a range of coverage options from $50,000 to $2 million for the policy maximums, and deductible choices of $0, $100 up to $5,000.   

You can review the complete benefits in the Brochure.

Plan Highlights:

  • Coverage for inpatient and out-patient injuries and illnesses that may occur during the trip.
  • Choice of policy maximum from $50,000 to $2 million
  • 7 Deductible choices
  • Emergency Medical Evacuation
  • Coverage for Repatriation costs
  • Emergency Dental due to Accident
  • Includes maternity coverage for complications due to pregnancy up to the first 26 weeks of pregnancy
  • In the US, if you use the network, Co-insurance waived
  • Coverage for 5 days to 364 days
  • $15 co-pay for Urgent Care
  • A single application for the entire group
  • Optional AD&D, Personal Liability Coverage, Crisis Response coverage upgrade available 


Benefits for Atlas Group® Plan 

BenefitCoverage Amount up to 64 yearsCoverage Amount 65-69 years 
In-patient HospitalFrom $50,000
to $2,000,000
From $50,000
to $100,000
Out-patient ClinicFrom $50,000
to $2,000,000
From $50,000
to $100,000
Doctor VisitFrom $50,000
to $2,000,000
From $50,000
to $100,000
Prescription DrugsFrom $50,000
to $2,000,000
From $50,000
to $100,000


What is the Price or Cost of Atlas Group Insurance?

The pricing is dependent on the following factors: The higher the plan limit, age, number of members in the group or coverage days, the higher will be the premium. If you add any optional coverage the premium will increase. Your premium reduces if you opt for a higher deductible.  

Plan Limit: You can choose from various options for the overall maximum limits. For ages 80 or older the limit is $10,000; while for ages 65 to 79  you can choose from $50,000 or $100,000. For ages under 65years  you can choose from $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000.

Deductible Amount: You can choose deductible from $0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.

Age: Plan is available for ages 14 days to above 80 years. 

Coverage Days: Atlas Group® Travel Insurance coverage can be purchased for 5 days or up to 364 days

Optional Coverage Benefits Riders: The following riders can be added at an additional premium.

Optional Accidental Death & Dismemberment Rider (only available to members age 18 through age 69): Lifetime Maximum – $25,000

Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage: $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation

Optional Personal Liability Rider: of up to $75,000 Lifetime max.

Atlas Group® Plan Price Table 

AgePolicy Max Limit $50,000Policy Max Limit $1,00,000 
From 50 to 59 years$122$154
From 60 to 64 years$153$200
From 65 to 69 years$173$221
From 70 to 79 years$259$331
Premium based on a $250 deductible for 31 days


FAQ: How does Atlas Group® Plan work?

Atlas Group Travel insurance is one of the popular insurance plans available for US and non-US citizens traveling overseas. Both US citizens and foreign citizens on tour, missionary groups can obtain affordable group travel medical insurance coverage.

Travelers in groups of five or more can apply for the

Atlas Group®

Insurance. The age can range from 14 days old to 80 and above. The same deductible should be purchased for everybody in the group. The same overall policy maximum limit should be purchase for everybody under 70 years.

Coverage becomes effective on the latest of:

  • Receipt of Application and the subsequent receipt of the correct premium
  • The departure of the member from the Home Country
  • The date requested on the Application.

Coverage will end on the earliest of:

  • the end of the stipulated period for which premium was paid by the insured person,
  • the date requested on the application, or
  • on the arrival upon return of the insured person to the Home Country

No, pre-existing conditions are not covered under the policy. However, the Atlas Group policy provides benefits for an acute onset of a pre-existing condition.

For Ages 70 to 79 years, the plan provides benefits for an acute onset of a preexisting condition up to the overall maximum limit or $100,000, whichever is lower, and for members under age 70 years it provides up to the overall maximum limit.

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 recommendation or symptoms which would have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Atlas Group can offer medical expense coverage in the home country in the following situations:

Benefit Period

Atlas Travel can cover eligible medical expenses in the member’s home country for 90 days after the beginning of treatment so long as the related illness or injury began while the certificate was still in effect and treatment began while the member was outside their home country. 

Incidental Home Country Coverage

For individuals with a home country other than the U.S., for every three-month period during which the member is covered by the policy, medical expenses incurred in the member’s home country are covered up to a maximum of 30 days.

Outside the US the plan does not follow a network and the traveler can go to any hospital or doctor.

Inside the US:  If you are a Non-US or Non-EU citizen/resident traveling in the US  you will use – United HealthCare PPO Network.

If you are an EU citizen traveling in the US you will use – First Health Network


Atlas Group includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports – skiing and snowboarding (recreational downhill and/or cross country), snorkeling, water skiing, and others – at no additional cost. Certain extreme sports are excluded from coverage. You can review the complete list in the Sample Certificate.

The application will need the name, date of birth, visitor’s address, passport country, and email address to send the insurance documents.  If you do have the passport number, you can enter it. A valid credit card will be required to complete the purchase.

Once the application is submitted, an email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording.

The plan cannot be renewed.

Before the effective date of the policy:  Full cancellation and refund will only be considered if the written request is received prior to the Effective Date of the coverage.

After the effective date of the policy:  If the written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

a) If any claims have been filed, the Premium is fully earned and is non-refundable.

b) If no claims have been filed with the Company, then a pro-rated refund is possible with a cancellation fee of US $25.

If you have paid for the bills upfront at the provider’s office or if you have paid for prescription drugs, you can follow the steps below to submit a claim.

It is a good practice to keep a copy of the entire Claims documents with you before you submit the Claims for processing. 

  1. Download and complete the Claims Form/ Claimant Statement  You will have to submit the Claimant statement even if you have not paid upfront to the provider
  2. Attach copies of all the pages of the passport
  3. Attach the itemized bills
  4. Submit the above within the stipulated time of 90 days after seeing the provider
  5. Follow up on your Claim by calling 1-800-605-2282 emailing


Claims filing address and email:
HCC Medical Insurance Services
Attn: Claims Dept.
Box No. 2005
Farmington Hills, MI 48333-2005


Claims Number: 1-800-605-2282


For emergency assistance you can call:
Toll-free: 1-800-605-2282
Collect Calls Only: +1 (317) 262-2132

Atlas Group Travel is Underwritten by Certain Underwriters at Lloyd’s of London and is rated A++ (Superior) by A.M. Best Company.  The plan is administered by Tokio Marine HCCMIS.

Reviews of Atlas Group® Insurance for US Visitors

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