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Atlas MultiTrip®

Coverage around the world

The Atlas MultiTrip plan is with you almost anywhere you may travel internationally for vacation, business, visits with family, sports adventures, or other pursuits. It covers multiple trips, up to 30 or 45 days in length, for the 364-day certificate period.

Why Choose Atlas MultiTrip?

Whether traveling for business or pleasure, international travel should be a fulfilling experience. However, complications such as natural disasters, illnesses, and injuries can arise. While we may do everything possible to guard against it, sometimes the unexpected still occurs. Fortunately, Atlas MultiTrip is here to help if it does.

Atlas MultiTrip offers coverage including inpatient and outpatient medical expenses, emergency medical evacuation, accidental death and dismemberment, and lost checked baggage for frequent international travelers.

I have medical insurance in my home country; do I need multi-trip medical insurance?

Many times the primary medical insurance in your home country will not cover you while traveling abroad and often will not provide essential services in the event of an illness or injury. Atlas MultiTrip provides important benefits such as translation assistance during treatment, doctor and hospital referrals, and assistance replacing lost prescriptions. Coverage applies to multiple trips up to 30 or 45 days in length (as elected) during the 364-day contract period.

After purchasing coverage, how can I trust the company to be there if I need them?

WorldTrips, headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance products designed to meet needs of consumers worldwide.

WorldTrips is a member of the Tokio Marine HCC group of companies. Tokio Marine HCC is a leading specialty insurance group conducting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Headquartered in Houston, Texas, the company is made up of highly entrepreneurial teams equipped to underwrite special situations, companies and individuals, acting independently to deliver effective solutions. Our products and capabilities set the standard for the industry, and many of our nearly 2,500 employees are industry leading experts.

WorldTrips is part of Tokio Marine, a premier global company with a market cap of approximately $30 billion.* Tokio Marine HCC holds a financial strength rating** of AA- for Standard & Poor's and Fitch Ratings and A++ (Superior) by A.M. Best Company.

*As of 4/12/21

**At the time of printing. For more information on these ratings, please visit:,, and

For more information about Atlas MultiTrip, please contact us.

Atlas MultiTrip Schedule of Benefits and Limits

Plan Details 
Deductible$250 per covered trip
Overall Maximum Limit$1,000,000
CoinsuranceWe will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.
Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
Hospital Room and BoardAverage semi-private room rate, including nursing services.
Local AmbulanceUsual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.
Intensive Care UnitUp to the overall maximum limit.
Emergency Room Co-paymentClaims incurred in the U.S.
You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital.
There will be no co-payment for emergency room treatment of an injury.

Claims incurred outside the U.S.
No co-payment
Urgent Care Center - Co-paymentClaims incurred in the U.S.
For each visit, you shall be responsible for a $15 co-payment.
- co-payment is waived for members with a $0 deductible
- not subject to deductible

Claims incurred outside the U.S.
No co-payment
Outpatient Physical Therapy and Chiropractic CareUp to $50 maximum per day. Must be ordered in advance by a physician.
Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 70)Up to the overall maximum limit.
$25,000 lifetime maximum for Emergency Medical Evacuation.
Emergency Dental (acute onset of pain)Up to $300 - not subject to deductible
Emergency Eye Exam for a Covered LossUp to $150. $50 deductible - per occurrence (plan deductible is waived).
All Other Eligible Medical ExpensesUp to the overall maximum limit
Emergency Travel BenefitsLimit
Emergency Medical EvacuationUp to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition
- not subject to deductible, or overall maximum limit
Hospital Indemnity$100 per day of inpatient hospitalization - not subject to deductible
Return of Minor ChildrenUp to $50,000 - not subject to deductible
Pet ReturnUp to $1,000 - not subject to deductible
Repatriation of Remains Equal to the elected overall maximum limit - not subject to deductible or coinsurance
This limit is for this benefit only and is not included in or subject to the overall maximum limit.
Emergency ReunionUp to $100,000 subject to a maximum of 15 days - not subject to deductible
Natural Disaster - Replacement AccommodationsUp to $250 per day for 5 days -not subject to deductible
Trip InterruptionUp to $10,000 - not subject to deductible
Travel DelayUp 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
Lost Checked LuggageUp to $1,000 - not subject to deductible
Lost or Stolen Passport/Travel VisaUp to $100 - not subject to deductible
Political EvacuationUp to $100,000 lifetime maximum - not subject to deductible
Accidental Death and Dismemberment (excludes loss due to Common Carrier Accident)

$250,000 maximum benefit any one family or group.
- not subject to deductible, or overall maximum limit
      Ages 18 through 69Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500
      Under age 18Lifetime Maximum - $5,000
Death - $5,000
Loss of 2 Limbs - $5,000
Loss of 1 Limb - $2,500
      Ages 70 through 74Lifetime Maximum - $12,500
Death - $12,500
Loss of 2 Limbs - $12,500
Loss of 1 Limb - $6,250
Lifetime Maximum - $6,250
      Ages 75 and olderLifetime Maximum - $6,250
Death - $6,250
Loss of 2 Limbs - $6,250
Loss of 1 Limb - $3,125
Optional Accidental Death & Dismemberment Rider (only available to members age 18 through age 69) Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500

- not subject to deductible or overall maximum limit
Common Carrier Accidental Death
      Ages 18 through 69
      Under age 18
      Ages 70 through 74
      Ages 75 and older


Subject to a maximum of $250,000 any one family or group.
- not subject to deductible, or overall maximum limit
Bedside VisitUp to $1,500 - not subject to deductible
Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and ExpensesUp to $10,000 - not subject to deductible, or overall maximum limit
Personal LiabilityUp to:
$25,000 lifetime maximum
$25,000 third person injury
$25,000 third person property
$2,500 related third person property

- not subject to deductible, or overall maximum limit
Optional Personal Liability RiderUp to $75,000 lifetime maximum - 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

What's Covered by Atlas MultiTrip?

International Coverage

Emergency Medical Evacuation and Emergency Reunion

Would you know what to do if you found yourself in a life-threatening situation far from home? We are experienced in arranging Emergency Medical Evacuations. Atlas MultiTrip will cover eligible expenses necessary to transport you to the nearest medical facility qualified to treat your life-threatening condition. We also understand the importance of family support in these difficult situations. Atlas MultiTrip will also cover the transportation, lodging, and meal costs for a relative to join you after an emergency medical evacuation, up to the lifetime limit.

Repatriation of Remains

What would your family do if disaster strikes while you are away from home? The death of a loved one is never easy, no matter the circumstances. In the unfortunate event of your death while traveling abroad, Atlas MultiTrip will arrange for and cover eligible costs associated with the repatriation of your remains.

Political Evacuation

If, during the coverage period and after your arrival, the U.S. Department of State issues a level 3 or level 4 travel advisory for your destination country, Atlas MultiTrip will coordinate your alternate departure arrangements from that country and cover eligible associated costs.

Trip Interruption

One of a traveler's biggest worries is the safety of his or her home while away. If you learn that a catastrophic event like a tornado, hurricane or flood has caused severe damage to your home while traveling abroad, Atlas MultiTrip will cover the cost of a one-way, economy class ticket to the airport nearest your home.

Natural Disaster - Replacement Accommodations

Natural disasters can happen anywhere and at any time. If a natural disaster occurs while on your trip, causing you to become displaced from your planned and paid accommodations, Atlas MultiTrip will provide relief of a maximum of $250 a day for 5 days to help cover the costs of alternative accommodations.

Hospital Indemnity

If you are hospitalized, the world around you does not stop. What's more, in some places hospitals do not provide their patients basic necessities like meals, toothpaste or soap. If you are hospitalized as an inpatient for treatment of a covered illness or injury, Atlas MultiTrip will provide $100 for each night you spend in the hospital.


In these turbulent times, the risk of a terrorist attack is a reality. If you are in the wrong place at the wrong time, and the country or region you're visiting is NOT under a level 3 or level 4 travel advisory, Atlas MultiTrip offers coverage for eligible medical expenses resulting from those acts. Coverage excludes countries or regions for which the U.S. Department of State has issued a level 3 ("reconsider travel") or level 4 ("do not travel") advisory in the 6 months prior to your arrival date.

Atlas MultiTrip Quality Benefits

Acute Onset of Pre-Existing Conditions

Atlas MultiTrip provides a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 70, 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, complications or consequences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage.

*The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect the terms and conditions of any insurance policy issued by the administrator or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.

**A pre-existing condition is any condition:

  • for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
  • that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

Hospitalization & Outpatient Treatment

If a covered illness or injury requires hospitalization, the plan provides coverage for eligible costs associated with hospitalization, including intensive care unit, and outpatient treatment.

Sports Coverage

Atlas MultiTrip includes coverage for eligible injuries and illnesses that could occur 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.

Crisis Response

Atlas MultiTrip offers up to $25,000 (or up to $100,000 ***if additional coverage is selected) to offset costs associated with kidnapping, such as ransom, crisis response expenses, and loss of personal belongings. This benefit includes access to the services of Unity Crisis Group for advice, coordination with law enforcement, and negotiations during a kidnapping.

***A buy-up of an additional $90,000 is available for selection, which includes the added benefit of a $10,000 maximum for natural disaster evacuation.

Personal Liability

Atlas MultiTrip offers up to $25,000 (or up to $100,000 if additional coverage is selected) to offset the following types of court-entered eligible judgments or approved settlements incurred by the member.

  • Third-party injury;
  • Damage/loss of a third party's personal property;
  • Damage/loss of a related third party's personal property.

Enrollment and Filing a Claim

Home Country Coverage

Benefit Period Medical Coverage

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, underwriters will pay eligible medical expenses, as defined herein, for up to 90 days. This period begins on the first day of diagnosis or treatment of a covered injury or illness incurred while the member was outside his or her home country and while the certificate was in effect. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.


You may access the online quoting and purchasing system.

Claim Filing

You may file a claim by submitting a Claimant's Statement and Authorization form. This form may be found online. Complete the form, attach all itemized invoices and payment receipts, and send them to the address shown on the Claimant's Statement and Authorization form.

Outstanding Customer Service

MyAccount is an online account management and resource tool available to:

  • Extend coverage and reprint ID cards
  • Obtain details about claim filing and downloading forms
  • Locate providers within the PPO Network

Log In at: MyAccount

If you prefer to speak to a professional service representative, contact us by calling toll-free. The service center can provide service in different anguages.

Worldwide Travel and Medical Assistance

Atlas MultiTrip includes valuable travel and medical assistance services, which are available 7 days a week, 365 days a year.

Medical Monitoring

Consultations with attending medical professionals during hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding medical status.

Provider Referrals

Contact information for Western-style medical facilities, medical and dental practices, and pharmacies in the destination country.

Travel Document Replacement

Assistance with obtaining replacement passports, birth certificates, visas, airline tickets, and other travel-related documents.

Lost Luggage Assistance

Tracking service to assist in locating luggage or other items lost in transit.

Other Travel Assistance Services*

  • Prescription Drug Replacement
  • Emergency Travel Arrangements
  • Dispatch of Physician
  • Translation Assistance
  • Credit Card / Traveler's Check Replacement

* For a complete list of available assistance services or for more information, please contact us. Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.


Atlas MultiTrip International - For Travel Outside of the U.S.

Maximum Trip Duration30 Days per Trip45 Days per Trip
Participant - Annual Premium$188$230

Atlas MultiTrip America - For Non-U.S. Citizens Traveling to the U.S.

Maximum Trip Duration30 Days per Trip45 Days per Trip
Participant - Annual Premium$257$315

Rates are shown in US dollars and are effective 04/01/17. Rates are subject to change. Surplus Lines taxes and fees will be charged when applicable.

Eligibility for Atlas MultiTrip policy coverage requires that each applicant's age be between 14 days and up to 75 years of age.
*Children under 19 years of age

Premiums are fully earned on the Certificate Effective Date and are nonrefundable thereafter.


251 North Illinois Street, Suite 600
Indianapolis, IN 46204


Insubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: +1 (866) INSUBUY
Phone: +1 (972) 985-4400
Fax: +1 (972) 767-4470

Patient Protection and Affordable Care Act ("PPACA"): This insurance is not subject to, and does not provide certain insurance benefits required by the United States' Patient Protection and Affordable Care Act ("PPACA"). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or "minimum essential coverage." PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether this policy meets any obligations you may have under PPACA.

Atlas MultiTrip is underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.

Version: KHE2FFFYH6SP-971744701-206

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