Atlas America vs Diplomat Long Term Reviews
International visitors in USA can have an amazing time but an unexpected emergency like accidental injuries and sudden sickness can spoil your joyous vacation or trip. Visiting a physician or hospitalization in US is quite expensive resulting in huge medical bills. If the tourist doesn’t have adequate visitor insurance, it can very difficult to clear the expensive medical bills and might end up losing most of your life savings. There are many popular insurance providers offering a wide range of visitors medical insurance for international tourists to the US.
Before buying the best visitors insurance for USA, it is advisable to compare the different US travel insurance plans like Atlas America and Diplomat Longterm. Atlas America insurance are quite popular among Non-US Citizens traveling outside their home country, is administered by WorldTrips Insurance and have the AM Best Rating of A++ (Superior). It has been offering health insurance products to customers in 130. Diplomat Longterm insurance is designed for anyone travelling outside their home country for a long period of time. It can be bought for a minimum of 3 months and up to 12 months. This plan can be renewed up to a maximum of 36 consecutive months.
Factors for comparing WorldTrips and Global Underwriters insurance
Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Atlas America vs Diplomat Long Term 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 Diplomat Long Term offers 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 and Diplomat Long Term insurance has deductible options from $0 up to $5K.
03. Compare provider network
This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . 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%
- In PPO network: Plan pays 80% up to $5K of eligible costs.
- Out PPO network: Then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness.
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 Diplomat Long Term insurance can be renewed up to 3 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. Diplomat Long Term Non US citizens and Non-US residents while visiting the United States,this plan is available to the US citizens visiting US on business trips and vacation while living abroad. There is a requirement for a valid international address.
07. Pre-existing conditions coverage
Atlas America pre-existing condition travel insurance- Covers up to 79 years
- Covers sudded recurrence of a pre-existing conditions up to $20,000; ($2,500 for age 65 and older)
Pre-existing conditions coverage comparision
| Pre-Existing FAQ's | Atlas America | Diplomat Long Term |
|---|---|---|
| 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:
|
Covers Unexpected Recurrence of a Pre-Existing Condition up to Limited coverage under Your Medical Expense Benefit is provided for Medical Expenses that result from a sudden and unforeseen recurrence of a Pre-existing Condition. |
| What types of pre-conditions are covered? |
|
|
| 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 | There is no look back period |
| 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 | Up to $20,000; ($2,500 for age 65 and older) |
- 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++ Standard & Poor’s : AA-
- Yes
- Lloyds, London
- WorldTrips
- Buy Now
- Diplomat Long Term
- Yes
- Yes
- Yes
- No
- Yes
- $0 to $5k
- "A" Excellent
- Yes
- C&F Cayman SPC
- Global Underwriters
- Buy Now
Key Highlights
Atlas America Insurance vs Diplomat Long Term Insurance - FAQs
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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 $100K, 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.
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:
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Is Global Underwriters a reliable insurance company?
Global Underwriters insurance is a leader in underwriting and administration of international health care systems for travelers. With over 50 years of involvement and expertise in the travel insurance industry Global Underwriters offer travel medical insurance for individuals traveling on business, vacationing or migrating to a foreign country.
Global Underwriters insurance has specially curated travel insurance plans to offer world-class service for International Accident & Sickness Medical coverage.
Is Global Underwriters insurance a legit company?Global underwriters insurance reviews indicate that it has left its presence in the travel insurance industry for several years. The international medical insurances are designed to cater to the medical risks for US and Non US Citizens who travel overseas for various reasons.
Global Underwriters reviews indicate that along with their comprehensive international accident & sickness medical insurance plans, they also offer special risk insurance products like Defense Base Act, Kidnap & Ransom and business travel accident coverage.
What is the cost of Global Underwriters travel insurance?The Global Underwriters travel insurance cost will depend on the age of the traveler, the type of coverage and the length of the journey. Typically, travel health insurance policies can start even as low as $1 per day but is much higher for older travelers.
What is the eligibilty to buy Global Underwriters insurance?To be eligible for Global Underwriters insurance coverage, you must not be a citizen of the host country you are traveling to.
Why should I buy travel insurance from Global Underwriters?Global Underwriters insurance has many years of expertise and offers exceptional service to its customers worldwide. Global Underwriters has a plan for all international travelers. The Claims processing, underwriting division are committed to provide good insurance solutions for travellers.
How do I purchase Global Underwriters Insurance?You can purchase Global Underwriters Insurance on American Visitor Insurance at buy Diplomat Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Global underwriters travel health insurance from licensed insurance agents.
What is the difference between the Global Underwriters insurance plans?The different types of travel insurance plans offered by Global Underwriters have different coverage options and benefits. For example, the Diplomat Long Term plan provides coverage for non-U.S. citizens traveling to the United States, while the Diplomat International plan provides coverage for U.S. citizens traveling outside of the United States. The Diplomat Long term is useful for longer stays beyond 90 days.
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