Atlas Multi-Trip plan

Do you crave adventure and yearn to explore the world beyond your doorstep? You dream of indulging in cultural experiences, basking on exotic beaches, or scaling majestic mountains. While the prospect of frequent travel is undeniably exciting, the potential for unforeseen circumstances can cast a shadow.

The Atlas MultiTrip plan emerges as a solution, offering a safety net for the intrepid traveler. This annual multi-trip travel medical insurance plan is designed for frequent flyers who maintain primary insurance in their home country, providing comprehensive coverage for multiple short trips throughout the year while travelling outside their home country.

The Atlas MultiTrip plan from WorldTrips, backed by the Tokio Marine HCC group, can be your travel companion. Whether you are on a family vacation, a business trip, a heart-pounding sports adventure, or simply exploring new cultures, this plan offers peace of mind. It covers multiple pre-planned or last-minute trips throughout the year, each lasting up to 30 or 45 days (about 1 and a half months), within a year-long coverage period.

Atlas Multi trip

Atlas Multi-trip plan

$264 / year For age 45 year with $50,000 plan and $250 deductible
  • Annual multi-trip travel medical insurance for individuals, families and groups under age 75 years who maintain medical insurance in their home country.
  • Maximum coverage of $1,000,000 with a per trip deductible of $250
  • Coverage for multiple trips of up to 30 or 45 days
  • Flexibility to travel as many times per year as desired
  • Coverage for hospitalization, Urgent Care visits, Doctor visits and more
  • Brochure
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Atlas Multi-trip plan Benefits

  • Plan Benefits: The plan offers an overall maximum limit up to $1,000,000 with $250 deductible per covered trip. It covers eligible medical expenses, COVID-19, Emergency Medical Evacuation, Repatriation of Remains, Trip Interruption, Travel Delay, Accidental Death & Dismemberment, Personal Liability, and more.
  • Pre-existing:If you are younger than 70, you may be covered for an non-chronic acute onset of a pre-existing condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation.
  • PPO Hospital Network: Login to Member Portal at to contact information for Western-style medical facilities, medical and dental practices, and pharmacies in the destination country.For assistance locating a provider, contact us at 1-800-605-2282.
  • Special Feature 1: Crisis Response coverage up to $10,000- not subjectable to deductible or overall maximum limit.
  • Special Feature 2: Optional Accidental Death & Dismemberment Rider (only available to members aged 18 through age 69) up to lifetime maximum of $25,000. Optional Personal Liability Rider up to $75,000 lifetime maximum- not subject to deductible or overall maximum limit.
  • Special Feature 3: Border Entry Protection up to $500 if traveling on a valid B-2 visa and denied entrance at the US border- not subject to deductible.
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Atlas Multi-trip plan Cost

The premium is a standard annual premium based on the choice of number of days – 30 or 45-days.

Plan Limit: Up to $1,000,000.

Age:The plan is available until the age of 75 years.

Coverage Days: Coverage applies to multiple trips up to 30 or 45 days (about 1 and a half months) in length (as elected) during the 364-day contract period.

Optional Coverage Benefit Riders: Optional Riders include Accidental Death & Dismemberment and Personal Liability. The premium will increase if any of these riders are added.

Plan cost for all Age groups 

AgePolicy max $1000,000  
From 0 to 34 years   $264 
From 35 to 59 years   $264
From 60 to 69 years   $264 
From 70 to 74 years   $264
Premiums shown  are for one year  

What Coverage & Benefits are Offered by Atlas Multi-trip plan

The Atlas Multi-Trip plan is underwritten by Lloyd’s and administered by Tokio Marine HCC.

About this Plan Coverage Highlights:

Insurance for medical accidents and sickness up to $1,000,000.

COVID-19 is covered and treated as any other sickness.

Covers Acute Onset of a non-chronic Pre-Existing Medical Condition up to the overall maximum limit.

Covers Trip Interruption up to $10,000.

Covers Travel Delay up to $100 a day after a 12-hour delay period.

Offers Emergency Medical Evacuation up to $1,000,000 lifetime maximum.

Optional Riders include Accidental Death & Dismemberment and Personal Liability.

You can review the complete benefits in the Brochure.

Benefits for Atlas Multi-trip Plan 

BenefitCoverage Amount up to 64 yearsCoverage Amount above 64 years 
In-patient Hospital$1,000,000$1,000,000
Out-patient Clinic $1,000,000 $1,000,000
Doctor Visit $1,000,000 $1,000,000
Prescription Drugs $1,000,000 $1,000,000


How to Claim Atlas Multi-trip plan Insurance?

To file a claim, you must complete, sign, and submit a Claimant’s Statement and Authorization form along with supporting documents for every incident. If claims occurred within the US, present your insurance ID card to your medical provider at the time of service. 

Unless you are required to pay for medical treatment at the time of service, your provider will submit your claim directly to WorldTrips. The company will send you a letter notifying you that they have received your claim. 

They will also request a Claimant’s Statement and Authorization form or other information from you. If they do not receive the information requested from you within 45 days (about 1 and a half months), your claim may be closed. Once the fully completed Claimant’s Statement and Authorization form is received, WorldTrips may request medical records from your billing providers and/or any medical provider. 

If claims occurred outside the US, you would pay for treatment at the time of service, unless the provider will be billing WorldTrips directly. At the time of service, ask your medical provider for your complete medical records from the visit and the receipt for your payment. 


Claims filing address and email:

Visit Member Portal at Enter the email address associated with your account and then click the “Continue Sign In” button.  

  1. You will be presented with your Member Portal home page. Click “Claims and Appeals” in the main navigation menu at the top of the page.
  2. You will be presented with the Claims and Appeals page. To file a new claim via DocuSign, click the “Submit New Claim Via DocuSign” button under the “Claimant’s Statement and Authorization Form” sub header in the “File a Claim” section.
  3. Fill in all the required information (as indicated by the red text boxes) and sign everywhere a signature is required (as indicated by the yellow “Sign” boxes). 
  4. When you are done, click the yellow “Finish” button in the top righthand corner. Clicking “Finish” submits your documents and sends a PDF of your signed Claimant’s Statement and Authorization form to your email. 

FAQs: Atlas Multi-trip Plan

Atlas MultiTrip is a convenient travel medical insurance option for travelers who plan to take multiple trips abroad in a one-year period. It offers coverage to eligible medical expenses, COVID-19, Emergency Medical Evacuation, Repatriation of Remains, Trip Interruption, Trip Delay, Emergency Reunion, and more. 

US Citizens and non-US Citizens who are at least fourteen (14) days of age and up to 75 years of age, and who maintain insurance providing coverage while in their home country, are eligible for this plan

Acute Onset of a Pre-Existing Condition means 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, is of short duration, is rapidly progressive, and requires urgent and immediate medical care; and
  • Occurs a minimum of 48 hours after the Effective Date of the policy and
  • Treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Atlas Multi-Trip plan offers both medical and trip-related benefits, including medical expenses, hospitalization, COVID-19, urgent care, local ambulance, trip interruption, trip delay, emergency medical evacuation, repatriation of remains, and more. Review the brochure to know more. 

General exclusions include pre-existing conditions, routine medical examinations, mental disorders, pregnancy, childbirth, extreme sports, and more. Review the brochure to know the exclusions.