Atlas America Insurance vs Safe Travels USA Comprehensive Insurance

Compare travel insurance benefits offered by Atlas America vs Safe Travels USA Comprehensive Insurance plans. These two US travel insurance plans are comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.

Atlas America vs Safe Travels USA Comprehensive cost comparison

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Atlas Travel vs Safe Travels USA
Atlas America
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Safe Travels USA Comprehensive
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 Atlas America vs Safe Travel USA Comprehensive insurance benefits
Insurance Providers
Coinsurance The plan pays 100% The plan pays 100% up to the overall maximum limit
Length of Coverage Minimum : 5 days
Maximum : 364 days
Minimum : 5 days
Maximum : 364 days
Renewability Yes : Up to 364 days Yes : 5 days to maximum of 1 year
 Medical Benefits
Hospital room and board Average semi-private room rate up to the maximum limit. Includes nursing service The average semi private room rate
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.
$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay
Intensive care unit Up to the overall maximum limit Up to the overall maximum limit
Radiology / X-ray Up to the maximum limit Up to the maximum limit
Physical Therapy Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance). Limited to $50 per visit, one visit per day and 10 visits per Policy Period.
 Emergency Services
Emergency local ambulance URC when covered illness or injury results in hospitalization as inpatient. Covered
Emergency Medical Treatment of Pregnancy Not Covered $1K per Policy Period
Hospital emergency room Outside the U.S: Up to the maximum limit
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)
Not covered
 Dental
Emergency dental treatment Up to $300 (not subject to deductible or coinsurance). $250 per Policy Period
 Evacuation
Emergency medical evacuation $1M lifetime maximum, except as provided under acute onset of pre-existing condition. 100% up to $2M
Emergency reunion Up to $100K, maximum of 15 days (not subject to deductible or coinsurance) $15K
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. 100% up to $50K
Return of minor children Up to $50K (not subject to deductible or coinsurance). $5K
Political evacuation and repatriation Up to $100K lifetime maximum (not subject to deductible or coinsurance). $25K
Natural disaster evacuation Up to $250 a day for 5 days (not subject to deductible or coinsurance). $25K
Trip interruption Up to $10K (not subject to deductible or coinsurance). $5K maximum limit. Not subject to deductible
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit.
(excludes chronic and congenital conditions)
For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or cardiac conditions, which will be limited to $25K up to and including age 69, with a $25K Maximum Lifetime Limit for Emergency Medical Evacuation.
 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 max benefit for any family or group.
AD&D buy up: $25K
$25K principal sum.
Unique Advantages
  • Atlas Travel 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.
  • It is a comprehensive plan.
  • Acute onset of pre-existing conditions is included
  • Co-insurance after the deductible, 100% up to the Policy Maximum.
 Travel Insurance
US Network of hospitals and doctors » US PPO Network » US PPO Network
Underwriter Lloyd's Crum and Froster SPC
Rating A++ (Superior) Standard & Poor’s Rating: AA- “A+”
Brochure and Details

Atlas America vs Safe Travels USA Comprehensive Reviews

International travelers visiting USA must be aware of the extremely high health care cost for visitors to USA. Hospitalization with expensive medical bills can be a terrifying without visitor insurance. Many insurance providers offer different visitor medical insurance for tourists to the US. It is prudent to compare US visitor insurance before buying travel health insurance for USA.Here the visitor can compare US visitor insurance cost of Atlas America insurance and Safe Travels USA Comprehensive insurance plans by reviewing their unique Visitors medical insurance benefits.

Atlas America vs Safe Travels USA Comprehensive insurance

Atlas America Insurance is offered by WorldTrips which has been offering health insurance products to customers in 130 countries. It also has AM Best Rating: A++ (Superior) rating. Safe Travels USA Comprehensive is offered by Trawick International and has an AM Best Rating of “A+”.

Factors for comparing WorldTrips and Trawick International insurance

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America insurance and Safe Travels USA Comprehensive insurance:

01. Compare medical maximum coverage

This is the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 1 million and Safe Travels USA Insurance offers coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum. Safe Travels USA Comprehensive Insurance is available up to 89 years.

02. Compare deductible options

Atlas America insurance and Safe Travels USA Comprehensive insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance and Safe Travels USA Comprehensive have a range of deductible option from $0 up to $5K.

03. Compare provider network

It is a network of health care providers. Insurance companies form these in order to control the costs of health care. 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%
Safe Travels USA Comprehensive Visitor Insurance
  • Covers co-insurance after the deductible, 100% up to the Policy Maximum

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 while Safe Travels USA Comprehensive can be renewed up to 1 year.

06. Compare eligibility options

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Safe Travels USA Comprehensive For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries while Atlas America is available for Non-US Citizens traveling outside their home country.79 years old turing 80 during the coverage period, Atlas America plan does not affect coverage as long plan is purchased at age 79.

07. Pre-existing conditions coverage

Atlas America pre-existing condition travel insurance
  • Covers up to 79 years
Safe Travels USA Comprehensive pre-existing condition travel insurance
  • For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or cardiac conditions, which will be limited to $25K up to and including age 69, with a $25K Maximum Lifetime Limit for Emergency Medical Evacuation.

Pre-existing conditions coverage comparision

Pre-Existing FAQ's Atlas America Safe Travels USA Comprehensive
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:

  1. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition.
  2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.
  3. You must be under eighty (80) years of age;
  4. 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;
  5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
  6. You must be traveling outside your home country

For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000. Upon attaining age 70 Acute Onset benefits is not available. Benefits are payable up to the maximum provided the condition or event: 1. 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; 2. occurs a minimum of 48 hours after the Effective Date of the Policy; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.


Any repeat/reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Acute Onset episode of a Pre-Existing Condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and onset is no longer acute, or the Covered Person is discharged from a medical facility.

What types of pre-conditions are covered?
  1. Acute Onset of Pre-Existing Condition
  2. Sudden and unexpected outbreak or recurrence
  1. Acute Onset of Pre-Existing Condition
  2. Sudden and unexpected outbreak or recurrence
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 There is no look back period
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 requirements under Atlas America plan. 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 Covered up to age 69
  • 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
  • Safe Travels USA
  • Yes
  • Yes
  • Yes, covers up to 69 years
  • Yes
  • Yes
  • $0 to $5k
  • "A" Excellent
  • Yes
  • Crum & Forster SPC
  • Trawick International
  • Buy Now

Key Highlights

Atlas America vs Safe Travels USA Comprehensive Insurance - FAQs

  • Atlas America Travel Insurance - FAQ's

    Is WorldTrips travel insurance a reliable insurance company? Is WorldTrips insurance a good insurance company?
    WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas. This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

    Is WorldTrips insurance a legit company?
    WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.

    Can I buy travel insurance from WorldTrips?
    WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

    Why should I buy travel insurance from WorldTrips insurance?
    World trips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.

    Can visitors to USA buy Atlas America insurance who are already in USA for quite some time?
    Yes, Atlas America insurance is a good option for visitors to US who have been here for some time and do not have a current insurance coverage. It is also an excellent plan for international students who are on the OPT status, H1B visa holders and for Spouses of H1B visa holders on the 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 is a best travel insurance pre existing conditions Insurance that offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It excludes coverage for chronic and congenital conditions. For visitors aged up to 70 years, it offers coverage up to overall maximum limit. Visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100K, 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:
    1. Visitor visa or Tourist Visa
    2. Student visa (F1 visa)
    3. J visa (exchange scholar visa)
    4. H1B work visa
    5. Fiancee visa
  • Safe Travels USA Travel Insurance - FAQ's

    What is the advantage of buying Safe Travels USA Comprehensive plan?
    Safe Travels USA Comprehensive Insurance is an affordable travel insurance. Safe Travels USA Comprehensive by Trawick International is ideal for visitors to the USA Comprehensive looking for cheap travel health insurance including coverage for SARS-CoV-2.

    Is Trawick international a good insurance company?
    Trawick international is a US based full service travel insurance provider specializing in travel related coverage for tourists, students, scholars, businesses, groups, and all other global travelers. Trawick International travel Insurance offers short term visitor travel insurance for international travelers. Trawick international health insurance coverage includes travel medical coverage for tourists, students, scholars, businesses and groups. Trawick International insurance provides Travel Insurance, Trip cancellation and Student Travel Medical Insurance. Trawick International has designed the programs for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.

    Who is eligible to enrol in the Safe Travels USA Comprehensive travel insurance plan by Trawick international ?
    The Safe Travels USA Comprehensive travel insurance plan by Trawick international is available for Non US Citizens and US residents who are traveling to the United States or anywhere outside their home country. Safe Travels USA is not available for US citizens and US permanent residents (Green card holders).

    Can a traveler extend or renew the Trawick international Safe Travels USA Comprehensive plan?
    Yes, the Safe Travels USA Comprehensive plan can be renewed if initially purchased for more than Five days. There is an $5 fee for renewing the Trawick International Safe Travels USA Comprehensive plan

    What is the coverage area of Trawick international travel insurance?
    Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.

    What are the requirements for purchasing Trawick international insurance?
    The main requirements for applying for Trawick international insurance is the travelers passport details and the travel dates. You can apply for Trawick international insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

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Review travel medical insurance - Blogs and articles

Atlas America Insurance

Atlas America insurance is a travel medical insurance plan for visitors to the US. It is an ideal visitor medical insurance for parents visiting USA and foreign tourists to the United States..

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Safe Travels USA Comprehensive

Safe Travels USA Comprehensive offers excellent medical coverage. This includes coverage for acute onset of pre-existing conditions, emergency medical evacuation, repatriation and security evacuation benefits.

Read more »

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers


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