Atlas America vs Safe Travels Elite health insurance reviews
Visitors to USA must be aware of the high health care costs and the drawbacks of not buying visitors medical insurance. A small injury or sickness in the US which lead to hospitalization can result in huge medical bills. If the international tourist has bought adequate visitor medical insurance, then it would be easy to clear all the medical bills and have a hassle free trip. Without visitors insurance for USA, the traveller may get stranded with an expensive medical bill which can be traumatic. There are many visitor medical insurance available online and it is a challenge to select the best travel health insurance for USA.
Here the visitor can compare US visitor insurance cost of different travel insurance plans, in particular US travel health insurance plans like Atlas America Insurance and Safe Travels Elite insurance offer excellent coverage both for small ailments as well as more serious injuries and sickness. These travel insurance plans for USA are ideal for Older travelers and parents as they have good coverage for acute onset of pre-existing conditions. Atlas America is administered by WorldTrips. which is a cheaper visitor insurance plan form Trawick international offers fixed benefit coverage.
What are the key differences between Atlas America and Safe Travels Elite insurance plans?
| Feature | Atlas America | Safe Travels Elite |
|---|---|---|
| Monthly Cost Estimate | $78 | $44 |
| Plan Type | Comprehensive visitor insurance | Fixed benefit visitor insurance |
| Coverage Maximum | $50,000 to $2,000,000 | $25,000 to $175,000 |
| Emergency Medical Evacuation | Up to $1,000,000 | Up to $100,000 |
| Urgent Care Co-Pay | $15 per visit | $30 per visit |
| Green card holders | Eligible | Not Eligible |
| Provider Network | United Healthcare network | First Health network |
| Maternity Coverage | Not Covered | Covered |
| Plan Flexibility | 5 days to 24 months (renewable) | 5 days to 364 days (extendable up to 24 months) |
| Pre-existing conditions | Up to age 80 | Up to age 69 |
| Trip Interruption | Up to $10,000 | Not covered |
| Provider Network | United Healthcare PPO | First Health PPO |
| Plan Flexibility | Up to 364 days | Up to 364 days |
| Ideal for | Those seeking broad, flexible coverage | Budget-focused travelers, fixed payouts |
Atlas America vs Safe Travels Elite Insurance: A Quick Comparison
Atlas America Insurance
- Offers maximum coverage up to 2 million.
- Deductible options ranges from $0 to $5,000.
- Covers pre-existing condition up to 79 years.
- Renewable for up to 364 days.
- $25 cancellation fee after the effective date.
- Complications of pregnancy in the first 26 weeks of gestation.
- Eligible for Non-US Citizens traveling outside their home country.
- Covers injuries and illnesses from popular vacation sports at no extra cost.
- local_hospital
Provider Network
- dentistry
Dental Treatment
Up to $300 - ambulance
Emergency Medical Evacuation
Up to $1,000,000 lifetime maximum - medical_services
Urgent Care Clinic
$15 copay - airplanemode_inactive
Trip Interruption
Up to $10,000 - shopping_cartBuy Now
Safe Travels Elite Insurance
- Offers maximum coverage up to $175,000.
- Safe Travels Elite insurance has $0 deductible.
- Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
- The Safe Travels Elite plan can be renewable up to 364 days.
- $25 cancellation fee after the effective date.
- This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
- Covered Medically necessary repatriation 100% up to $15,000 per Policy Period
- local_hospital
Provider Network
- flight_takeoff
Political Evacuation
$500 per Policy Period - dentistry
Dental Treatment
$600 - $750 per Incident - ambulance
Emergency Medical Evacuation
$100,000 (Economy, Basic & Silver)
Unlimited (Gold & Platinum) - ambulance
Ambulance Services
$500 - $750 per Incident - shopping_cartBuy Now
What is the costs of Atlas America insurance and Safe Travels Elite insurance for different age groups?
Both Atlas America vs Safe Travels Elite provide excellent coverage for travelers visiting the US on a short-term basis. However, it's important to compare the two plans closely to determine which one best meets your specific needs.
You can compare cost for both Atlas America vs Safe Travels Elite plans.
Atlas America: For senior travelers aged 80 to 99, the cost is $528, with a maximum coverage of $10,000 and a deductible of $250.
Safe Travels Elite: For senior travelers aged 70 to 89 years, Safe Travels Elite Diamond offers maximum coverage of $50,000 and $100,000 with $100, $200 deductible.
Atlas America vs Safe Travels Elite travel insurance - FAQs
-
Does the Atlas Travel Insurance plan provide Any trip cancellation coverage?Atlas Travel does not provide reimbursement if you must cancel your trip before departure. However, it includes a Trip Interruption benefit if you end your trip early due to a covered reason. Atlas Travel insurance typically has a lower premium than most travel insurance plans because it does not include Trip Cancellation but offers higher medical coverage limits.
Who can I buy Atlas America travel insurance?Atlas America travel insurance is designed for non-U.S. citizens traveling outside their home country, including visits to the United States. It is available to individuals aged 14 days and older, with coverage duration ranging from 5 days to 364 days. The plan is suitable for tourists, business professionals, students, and families visiting the U.S.
Can visitors to the USA buy Atlas America insurance if they are already in the USA?Yes, Atlas America insurance is available for visitors who are already in the USA without current insurance coverage. It is also suitable for international students on OPT, H1B visa holders, and spouses on H4 visa status.
Does Atlas America insurance offer coverage for sports?Atlas America covers eligible injuries and illness incurred while taking part in many popular vacation sports - skiing, snowboarding, snorkelling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.
Does Atlas America offer coverage for maternity?Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.
Can I extend my medical coverage from Atlas America insurance if I want to extend my duration of stay in USA?Yes, US Visitors who had initially bought for less than 364 days can renew Atlas America insurance online up to 364 days.
Does Atlas America insurance cover pre-existing conditions?Atlas America covers acute onset of pre-existing conditions up to the age of 80 years, excluding chronic and congenital conditions. For visitors under 70 years, it covers up to the overall maximum limit. For visitors aged 70–79, it covers up to the maximum limit or $100,000, whichever is lower.
How to use Atlas America visitor medical insurance in case of emergency in the United states?Visitors can review this article on how to use Atlas America visitor medical insurance in case of emergency in the United States.
Does the Atlas America plan cover 100% outside PPO. Does it cover outside the United States and pay100% inside and outside PPO?The Atlas America plan covers 100% of the expenses outside PPO. Yes, it provides worldwide coverage including and excluding USA.
What are the US state and country restrictions to buy Atlas America Visitors Insurance plan?The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
How does Atlas America insurance offer coverage for medical expenses?Atlas America insurance offers comprehensive coverage for visitors to USA. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “First Health care network or United health care.”. When Traveling Outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Atlas America insurance pays 100% up to maximum limit. For detailed working example of how it works, you can review Atlas America insurance working example.
Does Atlas America insurance satisfy US visa requirements?As a visitor to the United States, you will need to have a visa issued in your passport to be allowed in to country. You can find out whether or not you need a US visa by reviewing the visa waiver program list of countries by the US government. The type of visa that you need will be based on the reason of your travel to the US. Atlas America insurance offered by WorldTrips works ideally for visitors to the US applying for any of these visas.
Some of the common US visas are:
-
Safe Travels Elite is a legit insurance plan?
Yes, Safe Travels Elite is a legitimate visitor medical insurance plan offered by Trawick International, underwritten by Zurich insurance Europe AG (A.M. Best “A” rating). It provides limited benefit medical coverage, emergency evacuation, trip interruption, and COVID-19-related coverage for non-U.S. citizens visiting the U.S.
Who can buy Safe Travels Elite visitor insurance?Safe Travels Elite is available to non-U.S. residents up to age 89 visiting the USA and worldwide. Green card holders can purchase it if they have a residence outside the U.S. and have not been residing in the U.S. for over 365 days before the policy starts.
Who is eligible to enrol in the Safe Travels Elite travel insurance plan by Trawick international?The Safe Travels Elite travel insurance plan by Trawick international is available for foreign residents visiting USA and worldwide and for travelers up to the age of 69 years
Why should i buy Safe Travels Elite travel insurance?You should consider buying travel insurance from Trawick's Safe Travels Elite if you are a non-U.S. resident visiting the United States and are looking for a low-cost, basic medical insurance plan that offers essential coverage during your stay.
Top Reasons to Buy Safe Travels Elite by Trawick International:
- Affordable Premiums : Fixed-benefit plan like Safe Travels Elite are typically cheaper than comprehensive plans, making them a good option for short-term visits or for travelers on a budget.
- Acute on set of pre-existing conditions: this plan covers acute on set of pre-existing conditions up to 89 years.
- Access to PPO Network : Includes First Health PPO Network for reduced costs if you visit in-network providers.
- Flexible coverage: Coverage available from 5 days to 364 days.
- Wide Eligibility & Age Range : Accepts applicants from 14 days to 89 years.
- Especially suitable for green card holders, parents, grandparents, or older visitors traveling to the U.S.
Can Green Card Holders can buy Safe Travels Elite visitor insurance?The plan is available to green card holders visiting the USA only if they have a residence outside the United States and have not been residing in the U.S. for more than 365 days prior to the policy effective date.
What are the requirements for purchasing Safe Travel elite travel insurance?The main requirements for applying for Safe Travel elite travel insurance is the travelers passport details and the travel dates. You can apply online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
Does Safe Travels Elite travel medical insurance cover pre-existing conditions?Safe Travels Elite covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70 (with a $25,000 limit for cardiac). Coverage reduces to $25,000 (cardiac $15,000) for ages 70-79, and to $15,000 for travelers aged 80+.
Are adventure sports covered in Safe Travel Elite health insurance Plan?No, the Safe Travels Elite health insurance plan does not cover adventure sports. Additionally, there is no option to add an adventure sports rider to this plan.
How do I cancel Safe Travels Elite visitor insurance from Trawick International?You can cancel your Safe Travels Elite visitor insurance from Trawick International by following these steps:
- Before the policy's effective date: You are eligible for a full refund.
- After the policy's effective date (if no claims have been submitted): You may receive a partial refund, but only for full months remaining on the policy, minus a $25 cancellation fee.
- If a claim has been submitted: The policy cannot be canceled.
- To request cancellation, send an email with your policy details. You may also need to fill out a cancellation form
Summary of America insurance and Safe Travels Elite insurance
- Atlas America is better for travelers seeking comprehensive, flexible coverage and higher limits, PPO access and especially for older visitors and those concerned about acute onset of pre-existing conditions.
- Safe Travels Elite is a good choice for those who want a lower-cost, fixed benefit plan and are comfortable with capped payouts per service. suitable for travelers who prioritize budget and are comfortable managing potential out-of-pocket expenses.