Atlas America insurance vs Diplomat America insurance, Global Underwriters vs WorldTrips insurance

Compare Travel Plans Atlas America vs Diplomat America	Atlas America Plan Maximum Deductible Buy Now	Diplomat America Plan Maximum Deductible Minimum Enrollment is 15 Days Buy Now
Atlas America vs Diplomat America Insurance Benefits
Insurance Providers
Coinsurance	Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.	The plan pays 80% up to $5K of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit as a result of an Illness is available
Length of Coverage	Minimum : 5 days Maximum : 364 days	15 days to 365 days
Renewability	Yes : Up to 364 days	Not Renewable
Medical Benefits
Hospital room and board	Average semi-private room rate, including nursing services.	Covered
Intensive care unit	Up to the overall maximum limit	$500K
Hospital indemnity	$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).	Covered
Urgent Care Clinic	Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible) Claims incurred outside the U.S. - No co-payment.	Covered
Emergency Services
Emergency local ambulance	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.	Covered
Hospital emergency room	Outside the U.S: No co-payment. Inside the U.S: Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)	Covered
Dental
Emergency dental treatment	Up to $300 (not subject to deductible or coinsurance).	Accident: Usual & Customary Expense; Palliative: $100
Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions	Under 80 years of age,covers up to overall maximum limit. covers up to $25K lifetime maximum (excludes chronic and congenital conditions)	24 Months prior to the start date of coverage
Life
AD&D	Under age 18: Up to $5K lifetime max. Under age 18-69: Up to $25K lifetime max. Under age 70-74: Up to $12.5K lifetime max. Under age 75 and older: Up to $6,250 lifetime max. $250K maximum benefit any one family or group. AD&D buy up: $25K	$25K (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits
Common carrier AD&D	Up to $50K for ages 18 through 69 Up to $10K under age 18 Up to $25K for ages 70 through 74 Up to $12.5K for ages 75 and older Maximum of $250K for any one family or group.	Covered
Evacuation
Emergency medical evacuation	$1M lifetime maximum, except as provided under acute onset of pre-existing condition.	Covered up to $500K
Emergency reunion	Up to $100K, maximum of 15 days (not subject to deductible or coinsurance)	Covered up to $50K
Return of mortal remains or cremation/burial	Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.	Covered up to $50K
Return of minor children	Up to $50K (not subject to deductible or coinsurance).	Covered up to $50K
Political evacuation and repatriation	Up to $100K lifetime maximum (not subject to deductible or coinsurance).	Covered up to $50K
Natural disaster evacuation	Up to $250 a day for 5 days (not subject to deductible or coinsurance).	Covered up to $50K
Trip interruption	Up to $10K (not subject to deductible or coinsurance).	Covered up to $5K
Terrorism	Up to $50K lifetime maximum for eligible medical expenses only.	Covered
Unique Advantages	Atlas America Insurance is designed for travelers on H1B/H4 visa holders or students on OPT status. Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.	Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter. It is a comprehensive coverage plan. $20K coverage for 80+ travelers - best coverage.
Travel Insurance
Underwriter	Lloyds, London	C&F Cayman SPC for and on behalf of ITI SP
Rating	A++ (Superior) Standard & Poor's Rating: AA-	"A" (Excellent)
Brochure and Details	» Atlas America Insurance Brochure » Atlas America Insurance Details » Atlas America Insurance Reviews	» Diplomat America Insurance Brochure » Diplomat America Insurance Details » Diplomat America Insurance Reviews

Atlas America vs Diplomat America Insurance Reviews

The home country’s domestic health insurance has limited or no coverage outside international borders, a huge medical bill can be difficult to clear when you get hospitalized due to emergency sickness or accidental injuries. In some countries the health care treatment facility would want the travelers to pay the bills prior to receiving the treatment. Buying adequate visitors medical insurance can save you from these traumatic financial crisis while you are abroad. There are many insurance providers offering international travel insurance plans and it is necessary to compare among them and select the best plan satisfying your needs.

Atlas America insurance is administered by WorldTrips Insurance services with AM Best Rating : A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries. Diplomat America insurance from Global Underwriters is designed for Non US residents travelling to the USA. It is quite popular among US citizens residing outside USA and visiting the US for a short period of time. It can be purchased for 15 days up to a maximum of 365 days.

Factors for comparing WorldTrips vs Global Underwriters insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Atlas America vs Diplomat America travel insurance:

01. Compare medical maximum coverage

This the maximum coverage expense that the plan would offer for the medical expenses. Atlas America offers maximum coverage up to 2 million, while Diplomat America offers coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.

02. Compare deductible options

This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. All of these plans offer a set of deductible options for the travelers to choose from. Atlas America insurance and Diplomat America insurance has deductible options from $0 up to $5K.

03. Compare provider network

This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.

04. Compare coinsurance options

Atlas America Visitor Insurance

Plan pays 100%

Diplomat America Visitor Insurance

Plan pays 80% up to $5K of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit.

05. Contrast the renewability options

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas America insurance can be renewed for 364 days, Diplomat America plan cannot be renewable.

06. Compare eligibility options

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas America insurance is quite popular among h1b/ h4 visa holders and students on opt status as it has not limitation on buying insurance if they are already in the US for quite some time. Diplomat America Non US citizens and Non-US residents while visiting the United States,this plan is available to the US citizens visiting US on business trips and vacation while living abroad. There is a requirement for a valid international address.

07. Pre-existing conditions coverage

Atlas America pre-existing condition travel insurance

Covers up to 79 years

Diplomat America pre-existing condition travel insurance

24 months waiting period

Pre-existing conditions coverage comparision

Pre-Existing FAQ's	Atlas America	Diplomat America
What is a Pre-Existing Condition definition?	Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met: The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence. You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country	The waiting period in travel insurance is the time period which the customer has to wait for some or all coverage benefits come into effect. It is the time period from the start of the policy when the traveler does not have the specific benefit coverage even though the policy is active and the premium has been paid for.
What types of pre-conditions are covered?	Acute Onset of Pre-Existing Condition Sudden and unexpected outbreak or recurrence	Acute Onset of Pre-Existing Condition
Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions?	2 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage	3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage
Do you need a medical report of the person with the pre-existing condition?	No	No
Will we get a document stating that we have insurance and stating that the pre-existing condition is covered?	This plan does not provide a separate document	This plan does not provide a separate document
What is pre-certification?	There is no pre-certification.	You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan.
What is the maximum age for eligibility?	Covered up to age 79	24 months waiting period

FEATURES
Eligible Plan for USA Coverage
Parents Eligible to be insured
Acute on set of Pre-existing Cover
Eligible for Green card holders
Renewable and Cancellable
Deductible Choice
A.M. Best Rating
Covid coverage
Underwriter
Provider
Buy now

Atlas America
Yes
Yes
Yes, covers up to 79 years
No
Yes
$0 to $250
"A" Excellent
Yes
Lloyds, London
WorldTrips
Buy Now

Diplomat America
Yes
Yes
24 months waiting period
Yes
Yes
$0 to $5k
"A" Excellent
Yes
C&F Cayman SPC
Global Underwriters
Buy Now

Key Highlights