Atlas America Insurance

What Atlas America Insurance actually is

Atlas America Insurance is a storefront, not an insurer. The footer on both atlasamericainsurance.net and its sister site diplomatamericainsurance.net credits "Visitor Insurance Services of America (VISOA®)" in Winter Springs, Florida, and the Atlas site says "A licensed insurance agent can advise & help guide you!" The business sells two families of plans designed and run by other companies. The Atlas site says plan administration and claims handling are done by WorldTrips, "part of the Tokio Marine HCC Group." For the Diplomat plans, the Diplomat site gives administration and "visitor claims handling" to Global Underwriters, which it calls "a specialty plan administrator." A buyer here therefore deals with three parties: the agency taking the application, the administrator that runs the plan and handles claims, and the underwriter that carries the risk.

The Atlas site lists Atlas America, Atlas Premium, Atlas Essential, Atlas Group Travel, Atlas MultiTrip, Atlas International, Visitor Secure, Student Secure and Atlas MedEvac. The Diplomat site lists Diplomat America, Diplomat Long Term, Diplomat International and Diplomat GAPP. Most are built for people visiting the United States.

Who carries the risk

Both sites name the underwriters. For the Atlas side, the Atlas site says the plans listed there are "underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd for policies sold worldwide except in Florida," and by Houston Casualty Company "for policies sold in Florida, USA only." A 2025 update page explains that "WorldTrips, the plan administrator has transitioned to a new insurance carrier/s for its Atlas Series travel medical line," effective "12:01 AM EDT on May 29, 2025," that older "saved quotes with Lloyd's as underwriter will be deleted," and it gives the ratings as "AM Best: A++ (Superior) S&P Global: A+ (Strong) Fitch Ratings: AA- (Very Strong)." For the Diplomat side, the Diplomat site states Diplomat America, Diplomat Long Term and Diplomat GAPP "are underwritten by Crum & Forster SPC," which the site says carries an A (excellent) rating from A.M. Best, while "Diplomat International travel medical insurance policy is underwritten by Nationwide Mutual Insurance Company." In Washington state, it says, that coverage "is underwritten by Nationwide Life Insurance Company and Nationwide Mutual Insurance Company."

What each plan covers, as the pages state it

Atlas America "provides coverage for you or your relatives/parents visiting USA, or individuals traveling to America for business or pleasure," and the site says Atlas plans run "from a minimum of 5 days up to a maximum of one year (364 days)," with "Acute onset of pre-existing conditions" listed among its features. At no additional cost, the page says, "the Atlas Travel Series adds coverage for adventure sports, emergency medical evacuation, acts of terrorism, complications of pregnancy." Atlas Premium is the higher tier, listed with "No coinsurance, Age 80+ get $20K max," and it "offers acute onset of pre-existing condition visitor insurance coverage for ages below 80 years." Atlas Essential is the budget tier and comes with "No acute-onset of pre-ex coverage." Atlas Group Travel is for "groups of 5 or more foreign nationals visiting the USA," and "a group discount savings of 10% applies compared to the individual policy rate." Atlas MultiTrip is the annual option for "Frequent travelers to America or overseas," sold as a single annual payment covering multiple trips of "30 or 45 days or less." Visitor Secure is described as "a low-cost fixed benefit plan" with "Fixed plan with medical benefits capped" and "No PPO network, any doctor or hospital." Atlas MedEvac is an "Evacuation Benefits Only Plan" for visitors "Age below 50 years," with "No health cover for sickness/injury." Student Secure comes in "4 levels: Elite, Select, Budget, Smart," is listed as meeting "US F-1, F-2, J-1, J-2, M-1, M-2 visa" requirements, and "can be renewed up to 48 months of coverage." Atlas International covers "International travel outside America," and its listing names "Schengen visa requirements for Europe" among its features.

The Diplomat plans carry more figures, and in two places the site prints two versions of the same fact. Diplomat America's bullet list says "Each member covered: $50K to $1 million," while the paragraph on the same page says the plan "provides up to $500,000 in coverage for foreign nationals visiting the United States." The same block lists a deductible choice of "$0 to $2,500" and an AD&D benefit of "$25K to $100K," and says coverage runs "for as little as fifteen days, or up to a full year," and that the plan "is not renewable." Diplomat Long Term states "Maximum limits up to $1,000,000 USD," deductible choices of "$0 to $5000 USD," and age bands of "Ages 65-69 yrs. get $100K USD max," "Ages 70-79 yrs. get $50K USD max," and "Ages 80+ years get $20K USD max." Diplomat International, for travel outside the home country, is listed "From 5 days up to maximum of 180 days" in its bullets and "from fifteen days to a full year" in its paragraph, with "policy maximums from $50,000 and up to $500,000." Diplomat GAPP carries "No Medical benefits for Sickness/Injury," with "Maximum limits: $25K, $50K or $100K" and a deductible of "$0, $50, or $100" for every visit.

Who can buy, and how the purchase works

Duration and renewal differ by plan. Diplomat America is sold "buy for exact dates" and is not renewable. Diplomat Long Term requires a "Minimum 3 months purchase" and can "Renew to extend policy up to 3 years." Diplomat GAPP runs from "1 day" to a "maximum purchase period is 365 days (1 year)," and can "Renew to extend policy up to 24 months." Atlas Essential can be canceled "prior to start for full refund," and Visitor Secure offers a "pro-rated refund if no claims."

The 2025 Atlas update also sets eligibility by place. It lists "Never listed as Destination Country: Iran, North Korea, Syria" and "Not available for selection at purchase as Destination Country: Belarus, Lebanon, Russia, Ukraine." For Cuba, "U.S. Citizens must certify that they qualify for travel authorized under US Treasury's regulations." The applicant "cannot be located" in "Australia, Canada, New York, Washington" at the time of purchase, a list of EU and EEA countries carries the same rule, and an "EU/EEA Location Attestation" is "Required only if coverage is less than 120 days." Both sites say premiums "cannot be rebated by law in the U.S." and that the cost is "the same across different" purchase channels. Neither site prints a premium; prices come from the quote form. Beyond "travel assistance benefits," neither names an assistance line, and neither states a pre-existing look-back period.

Who it suits and who it does not

The Atlas side fits inbound visitors: Atlas America for a parent or relative on a single US trip, Atlas Premium for a buyer who wants no coinsurance and acute-onset cover below age 80, Atlas Essential for a lower-cost visit without that cover, and Atlas Group Travel for a party of five or more. Diplomat Long Term fits a stay of at least three months that may be renewed. Diplomat America and Diplomat International suit a traveler with fixed dates who does not need to renew. Diplomat GAPP and Atlas MedEvac are narrow by design, paying no ordinary sickness or injury medical bills, so they fit only a buyer who wants that supplement. None of the Atlas plans can be bought for travel to Iran, North Korea or Syria, or currently Belarus, Lebanon, Russia or Ukraine, and nobody can price a plan here without filling in the quote form.