Patriot America vs Atlas America vs Safe travels USA Comprehensive insurance plans

Compare travel insurance benefits offered by Patriot America insurance, Atlas America Insurance and Safe travels USA Comprehensive insurance plans. These three US travel insurance plans namely Patriot America Plus vs Safe travels USA Comprehensive vs Atlas America visitor insurance are comprehensive benefit visitors medical insurance plans for US travel. These plans offer best US visitors insurance coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.



Compare Patriot America Plus vs Atlas America vs Safe travels USA Comprehensive insurance

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Patriot America Plus
Plan Maximum
Deductible
Pre - existing / COVID19
Atlas America
Plan Maximum
Deductible
Atlas Travel Insurance covers covid19 illness
Safe Travels USA Comprehensive
Plan Maximum
Deductible
Covers covid19 illness
IMG HCCIMS Trawick
Brochure & Details links
Covid coverage
Not Available Patriot America Plus Insurance Coveres up to policy maximum (contracted and treatment is provided after the policy effective date). Atlas America Insurance Covers eligible costs related to COVID-19. Safe travels USA Comprehensive visitors insurance offers US Travel insurance for Covid illness.
Underwriter
Patriot America Insurance Underwriter
Sirius International Insurance Corporation
Atlas America Insurance Underwriter
Certain Underwriters at Lloyd's of London
Safe Travels USA Comprehensive Underwriter
Crum & Forster, SPC
Rating
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Atlas America Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Safe Travels USA Comprehensive Rating
AM Best Rating: “A+”
Plan maximum
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
Ages 70-79: $50,000
Ages 80+: $10,000
Age 80+: $10,000
Age 65 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Age 80 to 89: $50,000
Age 65 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Age 80 to 89: $50,000
Age 70 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Coinsurance
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: No coinsurance
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
  • In-network:  Plan pays 100%
  • Out-of-network:  Plan pays 80% of eligible expenses up to $5,000, then 100%
100% of Covered Expenses up to the policy maximum
Emergency Medical Evacuation
Up to $1,000,000 maximum limit. $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. 100% up to $2,000,000
Length of Coverage
Plan can be purchased for a minimum of 5 days up to a maximum of 2 years Plan can be purchased for a minimum of 5 days up to a maximum of 364 days Plan can be purchased for a minimum of 5 days up to a maximum of 1 year
Pre-existing conditions Coverage
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.
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)
For people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or conditions. For age below 65 years: Up to $20,000
Age 65 and above: $10,000
Subject to the choosen Deductible and Coinsurance for Covered Expenses
Repatriation of remains
$50,000 maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Overall maximum limit (not subject to deductible or coinsurance). 100% up to $1,000,000
Definition of Acute onset of Pre-existing Condition
Injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance. Sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received within the 24 month period before the Covered Person's coverage became effective under the Policy. A sudden and unexpected outbreak or recurrence of a PreExisting Condition which 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.
Unique Advantages
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.
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.
Safe Travels USA Comprehensive Advantages:
  • 80% of the first $5,000 of eligible expenses then 100% up to the policy maximum
  • Covers doctor visits, x-rays, prescriptions, hospital, surgery, ambulance
  • Emergency medical treatment of pregnancy up to $1,000
  • Mental or nervous disorders up to $2,500
  • Physiotherapy/Chiropractic $50 per visit per day up to 10 visits
  • Dental treatment - for injury or emergency alleviation of pain $250
US Network of hospitals and doctors
» US PPO Network » US PPO Network » US PPO Network

Compare Patriot America vs Atlas America vs Safe travels USA Comprehensive

Travelers coming to the USA must be cautious during the entire duration of trip. Travelling involves high amount of risks which can result in sickness or accidental injuries. Because of the rising health care cost for visitors to USA, it would be difficult to clear hospitalization or physician bills without visitors health insurance. Many insurance providers offer different visitors insurance for tourists to the US. It is important to compare the popular visitor insurance before buying adequate travel medical insurance for USA. Patriot America 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. Safe Travels USA is offered by Trawick International and has an AM Best Rating of “A+”. Atlas America insurance is administered by Tokio Marine HCC Medical insurance services. It has been offering health insurance products to customers in 130 countries. Atlas America insurance has AM Best Rating of A++ (Superior).

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What are factors to consider while comparing Patriot America insurance, Safe Travels USA insurance and Atlas America insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America Plus vs Safe Travels USA Comprehensive vs Atlas America Insurance:
  • Plan Maximum coverage:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot America insurance and Safe Travels USA Comprehensive insurance offers visitors medical coverage up to 1 million. Atlas America insurance offers maximum coverage of 2 million. The coverage may vary for older travelers with reduced plan maximum, Patriot America Insurance and Atlas America Insurance offers coverage of $10,000, Safe Travels USA Comprehensive Insurance is available up to 89 years.
  • What is a deductible in visitors 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. Safe Travels USA Comprehensive and Patriot America insurance both offer a set of deductible options for the travelers to choose from. Patriot America insurance has deductible options from $0 up to $2,500 while Safe Travels USA Comprehensive insurance and Atlas America insurance have a range of deductible option from $0 up to $5,000.
  • What is a 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.
  • What is coinsurance in visitor insurance?
    This is a percentage of the bill that the travel has to pay. Patriot America Insurance and Safe Travels USA Comprehensive have 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. Atlas America plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Renewability of US Travel health Insurance
    Sometimes the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Insurance can be renewed up to 2 years. Safe Travels USA Comprehensive Insurance can be renewed for 1 year. Atlas America Insurance can be renewed up to 364 days.
  • Eligibility for US visitors insurance
    All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
  • Pre-existing conditions US visitors medical insurance coverage
    Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions while Safe Travels USA Comprehensive offers coverage for people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or condition. Atlas America insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years.


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