Atlas America vs Patriot Platinum, Compare best visitor insurance USA, img vs WorldTrips

Compare Travel Plans Atlas Travel vs Patriot Platinum	Atlas America Plan Maximum Deductible Buy Now	Patriot Platinum Plan Maximum Deductible Buy Now
Atlas America vs Patriot Platinum insurance benefits
Insurance Providers help
Coinsurance help	Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.	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
Length of Coverage help	Minimum : 5 days Maximum : 364 days	5 days up to a 12 months period, until reaching a maximum of 36 continuous months
Renewability help	Yes : Up to 364 days	Yes : 5 days up to a 12 months period
Medical Benefits
Hospital room and board help	Average semi-private room rate, including nursing services.	Average semi-private room rate, including nursing services
Intensive care unit help	Up to the overall maximum limit	Up to the overall maximum limit
Hospital indemnity help	$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 help	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.	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Emergency Services
Emergency local ambulance help	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.	Up to the maximum limit. Subject to deductible and coinsurance
Hospital emergency room help	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 help	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 help	Under 80 years of age,covers up to overall maximum limit. covers up to $25K lifetime maximum (excludes chronic and congenital conditions)	Up to the maximum limit.(Insured person must be under 70 years of age) United States citizens: Age 64 and under without a primary health plan: Maximum limit: $20K Age 64 and under with a primary health plan: Maximum limit: $1M Age 65 through age 69: Maximum limit: $2.5K Non-United States citizens: Age 69 and under: Up to the period of coverage limit or $1M (whichever is lower)
Life
AD&D help	Members under age 18: Up to $5K lifetime maximum. Members age 18-69: Up to $25K lifetime maximum. Members age 70-74: Up to $12.5K lifetime maximum. Members age 75 and older: Up to $6,250 lifetime maximum. $250K maximum benefit any one family or group. Accidental death & dismemberment buy up: $25K	$50K principal sum. Not subject to deductible
Common carrier AD&D help	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 help	$1M lifetime maximum, except as provided under acute onset of pre-existing condition.	Up to the Maximum Limit
Emergency reunion help	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 help	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 help	Up to $50K (not subject to deductible or coinsurance).	$100K maximum limit. Not subject to deductible
Political evacuation and repatriation help	Up to $100K lifetime maximum (not subject to deductible or coinsurance).	$100K maximum limit. Not subject to deductible
Natural disaster evacuation help	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 help	Up to $10K (not subject to deductible or coinsurance).	$10K maximum limit. Not subject to deductible
Terrorism help	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. Urgent care benefit is covered up to $15 copay. There is an additional coverage available for adventure sports as well on this plan.	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	Lloyds, London	Sirius International Insurance Corporation
Rating help	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 Platinum Insurance Brochure » Patriot Platinum Insurance Details » Patriot Platinum Insurance Reviews

Atlas America vs Patriot Platinum Insurance Reviews

Travelling to the US can be a great experience but an unfortunate emergency like sudden illness or accidental injuries can ruin your holiday or trip. The health care cost for visitors to US is very high and the situation can be traumatic if the tourist is without US visitor medical insurance. There are many visitors medical insurance offered by top insurance providers and it is a big task to choose the best international travel insurance for USA. Visitor can compare US visitor insurance cost different travel insurance plan and select the one satisfying their requirements.

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. Patriot Platinum Insurance is ideal for high end travelers offering coverage from $2 million up to $8 million. Patriot Platinum is renewable up to 3 years.

Factors for comparing WorldTrips and IMG insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Atlas America vs Patriot Platinum 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 Platinum offers coverage up to 8 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 Platinum insurance has deductible options from $0 up to $25K.

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%

Patriot Platinum Visitor Insurance

In Network: The plan pays 100%
Out 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, Patriot Platinum insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 36 continuous months.

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 Platinum has some time restrictions in that it has to be bought within 30 days of arrival in the US.

07. Pre-existing conditions coverage

Atlas America pre-existing condition travel insurance

Covers up to 79 years

Patriot Platinum pre-existing condition travel insurance

Covers up to 70 years

Pre-existing conditions coverage comparision

Pre-Existing FAQ's	Atlas America	Patriot Platinum
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++ Standard & Poor’s : AA-
Yes
Lloyds, London
WorldTrips
Buy Now

Patriot Platinum
Yes
Yes
Yes, covers up to 70 years
Yes
Yes
$0 to $25K
"A" Excellent
Yes
Sirius
IMG
Buy Now

Key Highlights

Atlas America Insurance

This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
This plan is available to both Non-US citizens and US citizens traveling outside their home country.
The deductible options for this plan are $0, $100, $250, $500, $1K, $2.5K and $5K per Certificate period.
The policy maximum options available with this plan are $50K, $100K,250K, $500K, $1M or $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50K and $100K and for people above 80 the only option is $10K.
You will be eligible for coverage of acute onset of pre-existing conditions if you are younger than 80 and all the conditions mentioned in the brochure are met. This includes a $25K lifetime maximum for emergency medical evacuation.
Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
Trip Interruption coverage available for upto $10K not subject to deductible
Travel Delay coverage is available for upto $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
Lost checked luggage up to $1K - not subject to deductible.
Political Evacuation available up to $100K lifetime maximum not subject to deductible.
Bedside visit up to $1.5K not subject to deductible.
Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10K per member, from age 18 to 69 - $50K per member, age 70 to 74 - $25K and for age 75+ $12.5K.
Emergency Medical Evacuation is covered for $1M lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Patriot Platinum Insurance

This is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.
Plan covers acute onset of pre existing condition up to the age of 70 for up to $1M.
Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US.
This plan can provide up to $8M as policy maximum for individuals below age 70.
This plan is renewable for a period of 12 months up to the maximum of 36 continuous months.
US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum America Insurance.

Atlas America vs Patriot Platinum Travel Insurance - FAQs

Atlas America Travel Insurance - FAQ's
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:

Visitor visa or Tourist Visa

Student visa (F1 visa)

J visa (exchange scholar visa)

H1B work visa

Fiancee visa
Patriot Platinum Travel Insurance - FAQ's

What is acute onset of pre-existing condition?

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

What are the benefits of Patriot Platinum insurance?

Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum Insurance. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.

How much does Patriot Platinum cost?

The cost of Patriot Platinum insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $2M, $5M, $8M up to age 70.For people age above 70 years plan maximum is reduced o $20K.

How do I purchase Patriot Platinum insurance?

You can get the quotes and make an instant purchase of Patriot Platinum travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.

What is the coverage area of Patriot Platinum insurance?

Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.

Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

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Atlas America Insurance

Atlas America insurance is a travel medical insurance plan for visitors to the US. It is an ideal visitor medical insurance for parents visiting USA and foreign tourists to the United States..

Patriot Platinum Insurance

Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage individuals up to $8 million. Patriot Platinum International offers coverage for US citizens traveling outside US.

Atlas America Insurance vs Patriot Platinum Insurance

WorldTrips vs IMG visitor insurance cost comparison

Atlas America vs Patriot Platinum Insurance Reviews

Factors for comparing WorldTrips and IMG insurance

01. Compare medical maximum coverage

02. Compare deductible options

03. Compare provider network

04. Compare coinsurance options

05. Contrast the renewability options

06. Compare eligibility options

07. Pre-existing conditions coverage

Pre-existing conditions coverage comparision

Key Highlights

Atlas America Insurance

Patriot Platinum Insurance

Atlas America vs Patriot Platinum Travel Insurance - FAQs

Atlas America Travel Insurance - FAQ's

Patriot Platinum Travel Insurance - FAQ's

NEED HELP?

Review travel medical insurance - Blogs and articles

Atlas America Insurance

Patriot Platinum Insurance

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