Atlas America Insurance vs Travel Medical Choice Insurance

Compare travel insurance benefits offered by Atlas America insurance and Travel Medical Choice 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.

WorldTrips vs Seven Corners visitor insurance cost comparison

Email results
Age
Spouse
Start Date
End Date
Coverage
Citizenship
Compare Travel Plans
Atlas America vs Travel Medical Choice
Atlas America
Plan Maximum
Deductible
Travel Medical Choice
Plan Maximum
Deductible
 Atlas America vs Travel Medical Choice insurance benefits
Insurance Providers
Medical Maximum Options Worldwide including US
Age 14 days to 69: $50k, $100k, $250k, $500k, $1M or $2M
Ages 70-79: $50k, $100k or $150k
Ages 80+: $10k

Worldwide excluding US
Age 14 days to 69: $50k, $100k, $250k, $500k, $1M or $2M
Ages 70-79: $50k, $100k or $150k
Ages 80+: $10k
Worldwide including US
Age 14 days to 69: $50k, $100k, $500k, $1M
Ages 70-79: $50k, $100k
80 years and older: $10k

Worldwide excluding US
Age 14 days to 64: $50k, $100k, $500k, $1M, $2M, $5M
Ages 65-79: $50M, $100K
80 years and older: $10k
Deductible Options $0, $100, $250, $500, $1k, $2.5k or $5k Worldwide including US
$0; $100; $250: $500; $1k, $5k

Worldwide excluding US
Ages 14 days to 64 years: $0; $100; $250: $500; $1k; $5k
Ages 65 to 79 years: $0; $250; $500; $1k; $5k
80 years and older: $0; $500; $1k; $5k
Coinsurance Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Coverage in USA
In PPO - The plan pays 100%.
Outside PPO - The plan pays 90% of the first $5k, then 100% to the medical maximum.
Length of Coverage Minimum : 5 days
Maximum : 364 days
Minimum: 5 days
Maximum: 364 days
Renewability Yes : Up to 364 days Yes. If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. $5 administrative fee is charged for each renewal.
 Medical Benefits
Hospital room and board Average semi-private room rate up to the maximum limit. Includes nursing service URC to medical maximum
Hospital indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). $150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible
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.
URC to medical maximum $20 copay
 Emergency Services
Emergency local ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Inside USA:$10,000
Outside USA:URC to medical maximum
 Dental
Emergency dental treatment Up to $300 (not subject to deductible or coinsurance). $500 for accident and $200 for sudden relief of pain
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions Covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions)
Worldwide Including the United States: Worldwide Including the United States(Cardiac Condition and/or Stroke):
Ages 14 days to 69 years: $50,000
Ages 70 to 79 years: $5,000
Worldwide Including the United States(Other than Cardiac Condition and/or Stroke):
Ages 14 days to 69 years: $75,000
Ages 70 to 79 years: $7,500
Worldwide Excluding the United States:
Ages 14 days to 64 years: $50,000
Ages 65 to 79 years: $10,000
 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 $6.25k lifetime max.
$250k maximum benefit any one family or group.
AD&D buy up: $25k
Under age 18: Up to $5,000 principal sum
Under age 19-80: $25,000 principal sum
$250,000 aggregate limit per total insureds on plan
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.
Under age 18: Up to $10,000 principal sum
Under age 19-80:: $50,000 principal sum
$250,000 aggregate limit per total insureds on plan
 Evacuation
Emergency medical evacuation $1M lifetime maximum, except as provided under acute onset of pre-existing condition. Up to $500k
Emergency reunion Up to $100k, maximum of 15 days (not subject to deductible or coinsurance) $200 per day, 10-day limit $100k maximum
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. Up to $50k
Return of minor children Up to $50k (not subject to deductible or coinsurance). $50k maximum limit. Not subject to deductible
Political evacuation and repatriation Up to $100k lifetime maximum (not subject to deductible or coinsurance). $10k
Natural disaster evacuation Up to $250 a day for 5 days (not subject to deductible or coinsurance). $25k maximum limit. Not subject to deductible
Trip interruption Up to $10k (not subject to deductible or coinsurance). $5k maximum limit. Not subject to deductible
Terrorism Up to $50k lifetime maximum for eligible medical expenses only. $25k maximum limit. Not subject to deductible
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.
  • Best for American Expatriates visiting the US.
  • Optional coverage for hazardous sports.
 Travel Insurance
Underwriter Lloyd's For Including USA Underwritten by Crum & Forster SPC
For Excluding USA Underwriters at Lloyd’s, London
Rating A++ (Superior) Standard & Poor’s Rating: AA- "A" (Excellent)
US Network of hospitals and doctors » US PPO Network » US PPO Network
International Network of hospitals and doctors » International PPO Network » International PPO Network
Brochure and Details

Atlas America vs Travel Medical Choice Insurance Reviews

Visiting USA can be wonderful but it involves high travel and health risks and situations like sudden sickness or accident may arise. Many of you are aware of the high health care cost for visitors to US and the expense arising from hospitalization can be traumatic without US visitor medical insurance. Many top rate insurance providers offer a wide range of visitors insurance that is available online and it is important to choose the best travel health insurance for USA. 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 vs Travel Medical Choice

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 Travel Medical Choice insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness. Atlas America insurance is administered by World Trips with AM Best Rating: A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries. Travel Medical Choice Insurance is offered by Seven Corners with AM Best Rating: "A" (Excellent) rating and has been offering excellent international health insurance since 19 years.

Factors for comparing WorldTrips and Seven Corners travel insurance

Following are some of the important factor sthat an international tourist should consider while comparing among Atlas America insurance and Travel Medical Choice insurance:

01. Compare medical maximum coverage

This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million and Travel Medical Choice insurance offers coverage up to 5 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. Atlas America insurance and Travel Medical Choice insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance and Travel Medical Choice Insurance 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%
Travel Medical Choice Visitor Insurance
  • In PPO network: The plan pays 100%
  • Out PPO network: 90% of the first $5k, then 100% to the medical 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. both Atlas America and Travel Medical Choice insurance can be renewed up to a total of 364 days.

06. Compare eligibility options

Both 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 while Travel medical choice is available for coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.

07. Pre-existing conditions coverage

Atlas America pre-existing condition travel insurance
  • Covers up to 79 years
Travel Medical Choice pre-existing condition travel insurance
  • Covers up to 79 years

Pre-existing conditions coverage comparision

Pre-Existing FAQ's Atlas America Travel Medical Choice
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
Worldwide Including the United States(Cardiac Condition and/or Stroke):
Ages 14 days to 69 years: $50k
Ages 70 to 79 years: $5k
Worldwide Including the United States(Other than Cardiac Condition and/or Stroke):
Ages 14 days to 69 years: $75k
Ages 70 to 79 years: $7,500
Worldwide Excluding the United States:
Ages 14 days to 64 years: $50k
Ages 65 to 79 years: $10k
What types of pre-conditions are covered?
  1. Acute Onset of Pre-Existing Condition
  2. Sudden and unexpected outbreak or recurrence
  1. Cardiac Condition and/or Stroke
  2. 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 For travelers traveling outside USA, 12 months pre-existing conditions are not covered prior to the start of 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 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 79
  • FEATURES
  • Eligible Plan for USA Coverage
  • Parents Eligible to be insured
  • Acute on set of Pre-existing Cover
  • 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
  • Yes
  • $0 to $250
  • "A" Excellent
  • Yes
  • Lloyds, London
  • WorldTrips
  • Buy Now
  • Travel Medical Choice
  • Yes
  • Yes
  • Yes, covers up to 79 years
  • Yes
  • $0 to $5k
  • "A" Excellent
  • Yes
  • Crum & Forster SPC
  • Seven Corners
  • Buy Now

Key Highlights

Atlas Travel Insurance vs Travel Medical Choice 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 $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.

    What is Atlas International Insurance

    Atlas International is a visitor travel medical insurance plan for coverage outside the USA. It is one of the few visitor insurance plans that waives co-insurance within the PPO network. Atlas International insurance schengen visa review is an ideal travel medical insurance for visiting Schengen countries and satisfies Schengen visa requirements.It also provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions.


    Does Atlas International offers coverage for pre-existing conditions?

    Yes.It provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions.


    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
  • Travel Medical Choice Insurance - FAQ's

    Is Seven corners a real insurance company? Is Seven Corners Legit? Is Seven Corners a good insurance company?
    Seven Corners Inc. has been offering travel insurance products since 1997. Seven Corners travel insurance is based out of Carmel, Indiana has over 200 employees and offers both domestic and international travel insurance plans . With their Travel Medical insurance and Inbound USA insurance products Seven Corners insurance provides travelers with health coverage ,safety and security for travelers away from home country and with the US. It caters to different types of travelers coming to the United States such as on B1 visa, students on F1 visa and professionals on the H1B visa. They also offer travel insurance coverage for US travelers who want trip cancellation insurance for travel insurance.

    What is the eligibility to buy Travel Medical Choice Insurance?
    Individuals and families including unmarried dependent children traveling outside of their Home Country.

    What are the benefits of Travel Medical USA travel insurance?
    Travel Medical USA insurance is short term travel health insurance designed for anyone visiting the United States. Travel Medical USA Insurance provides coverage for those who are traveling on vacation. It offers core travel insurance benefits, with coverage from as little as Five days. The benefits offered on the Travel Medical USA Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.

    What is the coverage area of Travel Medical Choice travel insurance?
    Travel Medical Choice insurance is short term travel health insurance offers coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country. Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.This plans covers coverage for covid19.

    Does Travel Medical Choice Insurance covers pre-existing conditions?
    Yes, Travel Medical Choice offers coverage for the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available and other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available and for age range of 70 to 79 years, $7,500 coverage is available for Including USA . For Excluding USA it offers Acute onset of pre-existing conditions are covered up to $50k for age under 64 years and a coverage of $10k for age of 65-79.

    How much does Travel Medical Choice insurance cost?
    The cost of the Travel Medical Choice insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

    How to use Travel Medical Choice while receiving treatment?
    When you visit a medical provider, explain to them that you have Travel Medical Choice insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so.

NEED HELP?

Contact our customer service team, we are here to help you!

(877)-340-7910 Click to send an email

Review travel medical insurance - Blogs and articles

Atlas America Insurance

The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

Read more »

Travel Medical Choice Insurance

The Travel Medical insurance is available for non U.S. Residents & Citizens while traveling outside Home Country. Travelers can get a quote among the various options they offer according to the travel requirements.

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


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!