Atlas America insurance vs Patriot America Plus Insurance. WorldTrips vs IMG travel insurance.

Compare Travel Plans Atlas Travel vs Patriot Travel	Atlas America Plan Maximum Deductible Buy Now	Patriot America Plus Plan Maximum Deductible Pre-existing Yes No Buy Now
Atlas America vs Patriot America Plus insurance benefits
Insurance Providers
Coinsurance	Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.	In-network: The plan pays 100% Out-of-network: IMG pays 80% up to $5k, then 100%.
Length of Coverage	5 days up to 12 months	5 days up to 12 months
Renewability	Yes : Up to 364 days	Yes : Up to 24 months
Medical Benefits
Hospital room and board	Average semi-private room rate, including nursing services.	Average semi-private room rate, including nursing services
Intensive care unit	Up to the overall maximum limit	Up to the overall maximum limit
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
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
Emergency Services
Emergency local ambulance	URC 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)	Outside the U.S: Up to the maximum limit Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Dental
Emergency dental treatment	Up to $300 (not subject to deductible or coinsurance).	$300 maximum limit due to accident or unexpected pain to sound natural teeth
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)	Patriot America Lite: Not Covered Under 70 years of age,with varying limits by age up to $1M. $25k maximum limit for 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 maximum benefit any one family or group. AD&D buy up: $25k	$50k principal sum.
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.	$25k per insured child, $100k per insured adult, $250k maximum limit per family. Not subject to deductible
Evacuation
Emergency medical evacuation	Up to $100k, maximum of 15 days (not subject to deductible or coinsurance)	Up to the Maximum Limit
Emergency reunion	Up to $100k, maximum of 15 days (not subject to deductible or coinsurance)	$100k maximum limit. Not subject to deductible
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 the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children	Up to $50k (not subject to deductible or coinsurance).	$100k maximum limit. Not subject to deductible
Political evacuation and repatriation	Up to $100k lifetime maximum (not subject to deductible or coinsurance).	$100k maximum limit. Not subject to deductible
Natural disaster evacuation	Up to $250 a day for 5 days (not subject to deductible or coinsurance).	$25k maximum limit. Not subject to deductible (Must be approved in advance by the company)
Trip interruption	Up to $10k (not subject to deductible or coinsurance).	$10k maximum limit. Not subject to deductible
Terrorism	Up to $50k lifetime maximum for eligible medical expenses only.	$50k 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.	Optional coverage for adventure sports with purchase of the rider. It is a comprehensive benefit plan. Optional coverage for Enhanced AD&D rider. Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
Travel Insurance
US Network of hospitals and doctors	» US PPO Network	» US PPO Network
International Network of hospitals and doctors	» International PPO Network	» International PPO Network
Underwriter	Lloyd's	Sirius International Insurance Corporation
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	» Patriot America Plus Insurance Brochure » Patriot America Plus Insurance Details » Patriot America Plus Insurance Reviews

Atlas America vs Patriot America Plus Insurance Reviews

Visiting USA can be a great experience but an unfortunate event like sudden sickness or accident may arise. The health care cost for tourists to US is exceptionally high and the situation can be traumatic if the visitor doesn’t have US visitor medical insurance. There are many visitors insurance available online and it is a challenge to select the best travel health insurance for USA. The visitors to the US should compare different travel insurance plans, in particular US travel health insurance plans like Atlas America insurance and Patriot America Plus insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness.

atlas america vs patriot america lite insurance

Here the visitor can compare US visitor insurance cost of Atlas America insurance and Patriot America Plus insurance plans by reviewing their unique Visitors medical insurance benefits. Atlas America insurance is administered by WorldTrips. It has been offering health insurance products to customers in 130 countries. Patriot America Lite and Patriot America Plus Insurance is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years.

Factors for comparing WorldTrips and IMG travel insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Atlas America travel insurance vs Patriot America Plus 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 Patriot America Plus offers maximum 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 has deductible options from $0 up to $5k. While Patriot America Plus insurance have a range of deductible option from $0 up to $2,500.

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%

Patriot America Plus Visitor Insurance

In Network: The plan pays 100%
Out of Network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

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 Patriot America Plus Insurance can be renewed up to 2 years.

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. Patriot America Plus Insurance US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.

07. Pre-existing conditions coverage

Atlas America pre-existing condition travel insurance

Covers up to 79 years

Patriot America Plus pre-existing condition travel insurance

Covers up to 70 years

Pre-existing conditions coverage comparision

Pre-Existing FAQ's	Atlas America	Patriot America Plus
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	Should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age.
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 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	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	Covered up to age 70

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

Patriot America Plus
Yes
Yes
Yes, covers up to 70 years
Yes
Yes
$0 to $2.5K
"A" Excellent
Yes
Sirius
IMG
Buy Now

Key Highlights