Atlas America Insurance vs Patriot America Plus Insurance vs Liaison Choice Travel Insurance

Compare travel insurance benefits offered by Atlas America insurance, Patriot America Plus Insurance and Liaison Choice travel Insurance plans. These three 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.


Tokio Marine HCC vs IMG vs SevenCorners visitor insurance comparisons

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Atlas America
Plan Maximum
Deductible
Patriot America Plus
Plan Maximum
Deductible
Pre - existing
Liaison Travel Plus
Plan Maximum
Deductible
COVID19 Coverage
hccmis IMG seven corners
Brochure & Details links
Underwriter
Atlas America Insurance Underwriter
Certain Underwriters at Lloyd's of London
Patriot America Insurance Underwriter
Sirius International Insurance Corporation
Liaison Travel Plus Insurance Underwriter
Certain Underwriters at Lloyd's of London
Liaison Travel Choice Insurance Underwriter
Certain Underwriters at Lloyd's of London
Rating
Atlas America Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Liaison Travel Plus Insurance Rating
AM Best Rating: "A" (Excellent)
Liaison Travel Choice Insurance Rating
AM Best Rating: "A" (Excellent)
Medical Maximum Options
Worldwide including US (Atlas America)
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Ages 65-79: $50,000, $100,000
Ages 80+: $10,000

Worldwide excluding US (Atlas International)
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Ages 65-79: $50,000, $100,000
Ages 80+: $10,000
Worldwide including US (Patriot America)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000

Worldwide excluding US (Patriot International)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Patriot America Plus
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Worldwide including US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000
Ages 65-69: $50,000, $100,000
Ages 70-74: $50,000

Worldwide excluding US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 64-74: $50,000, $100,000
Worldwide including US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000
Ages 65-69: $50,000, $100,000
Ages 70-79: $50,000
Ages 80+: $10,000

Worldwide excluding US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 65-79: $50,000, $100,000
Ages 80+: $10,000
Deductible Options
$0, $100, $250, $500, $1,000, $2,500 or $5,000 $0, $100, $250, $500, $1,000 or $2,500 Age 14 days to 64: $0, $100, $250, $500, $1,000, $2,500, $5,000
Ages 65-74: $250, $500, $1,000, $2,500, $5,000
Age 14 days to 64: $0, $100, $250, $500, $1,000, $2,500, $5,000
Ages 65-79: $250, $500, $1,000, $2,500, $5,000
Ages 80+: $500, $1,000, $2,500, $5,000
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 - Plan pays 100%
Outside PPO - Plan will pay 80% of eligible expenses up to $5,000, then 100%
Coverage outside US: Plan pays 100%
Coverage in USA
In PPO - The plan pays 90% of the first $5,000, then 100% to the medical maximum.
Outside PPO - The plan pays 80% of the first $5,000, then 100% to the medical maximum.

Outside the United States - The plan pays 100%.
Accidental Death and Dismemberment
  • Members under age 18: Up to $5,000 lifetime maximum.
  • Members age 18-69: Up to $25,000 lifetime maximum.
  • Members age 70-74: Up to $12,500 lifetime maximum.
  • Members age 75 and older: Up to $6,250 lifetime maximum.
  • $250,000 maximum benefit any one family or group.
$50,000 principal sum. Not subject to deductible. Up to $25,000 for a primary insured & travel companion
Up to $5,000 for a child.
Aggregate limit of $250,000 for total number of insureds on plan.
Up to $25,000 for a primary insured & travel companion
Up to $5,000 for a child.
Aggregate limit of $250,000 for total number of insureds on plan.
Length of Coverage
Minimum: 5 days
Maximum: 364 days
Minimum: 5 days
Maximum: 364 years later can be renewed maximum up to 2 years
Minimum: 5 days
Maximum: 364 days
Minimum: 5 days
Maximum: 364 days
Renewability
Yes. Up to 365 days
Provided there is no break in coverage. It can be purchased initially for 5 day minimum and up to a maximum of 364 days
Yes. Up to 2 years if initial purchase is 1 month 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.
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.
Acute onset of Pre-existing Condition
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
Patriot America: Not Covered
Patriot International
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
Patriot America Plus
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
Worldwide Including the United States: Age 14 days to 64: $10,000
Ages 65-74:$5,000
Worldwide Excluding the United States: Age 14 days to 64: $50,000
Ages 65-74: $10,000
Common Carrier Accidental Death
  • Members under age 18: Up to $10,000
  • Members age 18-69: Up to $50,000
  • Members age 70-74: Up to $25,000
  • Members age 75 and older: Up to $12,500
  • $250,000 maximum benefit any one family or group.
$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible $50,000 primary insured & travel companion, $10,000 child
Aggregate limit of $250,000 for total number of insureds on plan.
$50,000 primary insured & travel companion, $10,000 child
Aggregate limit of $250,000 for total number of insureds on plan.
Local Ambulance
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Up to medical maximum Up to $10,000 Up to $10,000
Terrorism
Up to $50,000 lifetime maximum for eligible medical expenses only. Up to $50,000 maximum limit. Not subject to deductible. $25,000 $25,000
Political Evacuation
Up to $10,000 lifetime maximum (not subject to deductible or coinsurance). $100,000 maximum limit. Not subject to deductible $10,000 $10,000
Hospital Indemnity
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $150 per day, 30-day limit $150 per day, 30-day limit
Unique Advantages
Atlas Travel Insurance Advantages:
  • Atlas America Insurance is best for travelers on H1B/H4 visa holders or students on OPT status.
  • Adventure sports coverage is included.
  • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
Patriot Travel Insurance Advantages:
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.
Liaison Travel Plus Insurance Advantages:
  • Comprehensive visitors insurance.
  • Liaison Travel Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
  • Only one time deductible per period of coverage.
  • Cancellation and refund of full premium before policy start date.
  • With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
Liaison Choice Insurance Advantages:
  • Comprehensive visitors insurance.
  • Liaison Travel Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
  • Only one time deductible per period of coverage.
  • Cancellation and refund of full premium before policy start date.
  • With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
US Network of hospitals and doctors
» US PPO Network » US PPO Network » US PPO Network
International Network of hospitals and doctors
» International PPO Network » International PPO Network » International PPO Network

Compare Atlas America Insurance, Patriot America and Liaison Travel Insurance

International Tourists visiting USA must be aware of certain travel and health risks involved when they are outside their home country. The domestic health insurance would not offer coverage outside their home country. While visiting US can be a great experience, a sudden or an unfortunate situation like hospitalization can be traumatic if the tourists doesn’t possess good US visitor medical insurance. There are many comprehensive US medical insurance plans offered by some of the best insurance providers. It is a challenge to select the best Visitor Medical Insurance that satisfies your needs. Here the visitor can compare Atlas America insurance, Patriot America Insurance and Liaison Travel Choice Insurance by reviewing their unique Visitors medical insurance benefits. 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 insurance is administered by Tokio Marine HCC Medical insurance services services with AM Best Rating: A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries. Patriot America Plus Insurance is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years. It also has AM Best Rating: A++ (Superior) rating. Liaison Travel 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.

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What are the factors to consider while comparing Atlas America insurance, Patriot America Insurance and Liaison Travel Choice insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America insurance, Patriot America insurance and Liaison Travel Choice insurance:
  • Compare visitor medical insurance maximum coverage between Atlas America, Patriot America and Liaison Choice:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million, Patriot America insurance offers coverage up to 1 million and Liaison Travel Choice insurance offers coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum.
  • Compare visitors health insurance deductible options between Atlas America, Patriot America and Liaison Choice:
    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 Liaison Travel Choice insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance and Liaison Travel Choice Insurance have a range of deductible option from $0 up to $5,000 and Patriot America insurance has deductible options from $0 up to $2,500.
  • Compare travel medical insurance provider network for Atlas America, Patriot America and Liaison Choice:
    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.
  • Compare travel insurance coinsurance options for Atlas America, Patriot America and Liaison Choice:
    This is a percentage of the bill that the travel has to pay. Atlas America plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Patriot America Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and it pays 100% within provider network. Liaison Travel Choice Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and within provider network it pays 90% of the first $5,000, then 100% up to medical maximum.
  • Contrast the travel health Insurance renewability options for Atlas America, Patriot America and Liaison Choice:
    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, Patriot America Insurance can be renewed up to 2 years while Liaison Travel Choice Insurance can be renewed up to a total of 364 days.
  • Compare eligibility options of US visitors travel insurance for Atlas America, Patriot America and Liaison Choice:
    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. Patriot America has a time restrictions that it has to be bought within 30 days of arrival in the US.
  • Compare visitors insurance Pre-existing conditions coverage for Atlas America, Patriot America Plus and Liaison Choice:
    Atlas America insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Liaison Travel Choice Insurance offers coverage of $30,000 for travelers up to 69 years and $5,000 for travelers aged 70 years & over. Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions.

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