Atlas America vs Patriot America Plus Insurance

Compare travel insurance benefits offered by Atlas America insurance and Patriot America Plus 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.


Tokio Marine HCC vs IMG visitor insurance comparison

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Atlas America
Plan Maximum
Deductible
Atlas Travel Insurance covers covid19 illness
Patriot America Plus
Plan Maximum
Deductible
Pre - existing / COVID19 Coverage
hccmis img
Brochure & Details links
Covid Coverage
Atlas America Insurance covers eligible costs related to COVID-19 Not Available Patriot America Plus Insurance coveres up to policy maximum (contracted and treatment is provided after the policy effective date).
Underwriter
Atlas America Insurance Underwriter
Certain Underwriters at Lloyd's of London
Patriot America Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Rating
Atlas America Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Eligibility
Atlas America Insurance:
Non-US Citizens traveling outside their home country
Patriot America Insurance:
People travelling outside their home country whose destination includes the US and its territories.

Patriot America Plus:
  • Non US citizens travelling to the USA.
  • US citizens living outside USA who want to visit US.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US.
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%
Length of Coverage
Minimum : 5 days
Maximum : 364 days
Minimum : 5 days
Maximum : 2 years
Political Evacuation
Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). $10,000 maximum limit. Not subject to deductible
Renewability
Yes : Up to 364 days Yes : Up to 2 years if initial purchase is 1 month
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.
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.
  • Available for green card holders as long as their primary residence is outside the US.
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.
  • Patriot America Plus: Available for green card holders as long as their primary residence is outside the US.
US Network of hospitals and doctors
» US PPO Network » US PPO Network
International Network of hospitals and doctors
» International PPO Network » International PPO Network

Compare Patriot America vs Patriot America Plus

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Compare Patriot America Plus vs Atlas America Insurance

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 insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness. These visitors insurance plans are quite popular among international tourists to USA and are from top rated insurance providers with AM Best Rating: A++ (Superior) rating. 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. It has been offering health insurance products to customers in 130 countries. Patriot America and Patriot America Plus Insurance is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years.

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What are the factors to consider while comparing Atlas America insurance and Patriot America insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America insurance and Patriot America insurance:
  • Compare visitor medical insurance maximum coverage between Atlas America insurance and Patriot America insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 1 million and Patriot America insurance offers coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.
  • Compare visitors health insurance deductible options between Atlas America insurance and Patriot America insurance:
    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 Patriot America insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance has a range of deductible option from $0 up to $5,000 while Patriot America insurance has deductible options from $0 up to $2,500.
  • Compare travel medical insurance provider network for Atlas America insurance and Patriot America insurance:
    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 insurance and Patriot America insurance:
    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.
  • Contrast the travel health Insurance renewability options for Atlas America insurance and Patriot America insurance:
    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 Insurance can be renewed up to 2 years.
  • Compare eligibility options of US visitors travel insurance for Atlas America insurance and Patriot America insurance:
    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 insurance and Patriot America Plus insurance:
    Atlas America insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions.


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