Compare Atlas America vs Safe Travels USA Comprehensive Insurance 2026
Traveling to the USA? Compare Atlas America and Safe Travels USA Comprehensive visitor insurance plans and get a free quote in minutes
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Top Picks for 2026
Safe Travels USA Comprehensive Reviews vs Atlas America Insurance Reviews
Compare two top-rated visitor insurance plans side by side and pick the one that fits your trip perfectly.
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Best Overall Value
- Safe Travels USA Comprehensive offers broader eligibility, making it a strong choice for seniors, Green Card holders, and travelers looking for reliable coverage at lower premiums. It also includes benefits like pregnancy coverage and flexible plan options.
- Atlas America on the other hand, is ideal for travelers under 70 who want higher medical coverage (up to $2 million), strong in-network cost coverage (100% after deductible), and added benefits such as coverage for recreational sports and complications of pregnancy up to 26 weeks.
Trawick International
$63 / month*
Underwritten by Zurich Insurance Europe AG Belgian branch
shield Up to $1,000,000 coverage
tune Deductible $0 – $5,000
star Eligible for ages up to 89 years
favorite Acute onset pre-existing up to age 89
monitor_heart Includes coverage for cardiac conditions
card_membership Eligible for Green Card holders
flight_takeoff Emergency pregnancy coverage $1,000
pregnant_woman Direct billing through First Health Care
shield Up to $2,000,000 coverage
tune Deductible $0 – $5,000
star Eligible for ages up to 99 years
favorite Acute onset pre-existing up to age 79
flight_takeoffComplications of pregnancy up to 26 weeks
family_restroom Border entry protection up to $500
cancel Direct billing through First Health Care
family_restroom Covers injuries and illnesses from eligible vacation sports.
* Sample pricing for a 25-year-old traveler, $50K coverage, $0 deductible.
Detailed Breakdown
Safe Travels USA Comprehensive vs Atlas America Insurance Comparisons
Every major benefit, side by side. Check the coverage that matters most to you.
| Benefit / Feature | Safe Travels USA Comprehensive Trawick International | Atlas America WorldTrips |
|---|---|---|
| Plan Overview | ||
| Pre-existing (Acute Onset) Age Limit | Up to age 89 star Better | Up to age 79 only |
| Green Card Holders Eligible | check_circle Yes | cancel No |
| Renewable | Yes | Yes |
| AM Best Rating | A (Excellent) | A++ (Superior) |
| PPO Network | First Health Care PPO | United Healthcare Network |
| Coverage Limits | ||
| Medical Maximum Options | $50,000, $100,000, $250,000, $500,000, $1,000,000 | $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000 |
| Deductible Options | $0, $50, $100, $250, $500, $1,000, $2,500, $5,000 | $0, $100, $250, $500, $1,000, $2,500,$5,000 |
| Coinsurance After Deductible | The plan pay 100% of eligible expenses after the deductible up to the overall maximum limit | The plan pay 100% of eligible expenses after the deductible up to the overall maximum limit |
| Medical & Emergency Benefits | ||
| Hospital Room & Board | check_circle Covered | check_circle Covered |
| Intensive Care Unit (ICU) | Up to overall maximum | Up to overall maximum |
| Emergency Medical Evacuation | Up to $1M | Up to $1M |
| Emergency Reunion | Up to $15,000 | Up to $100,000 star Better |
| Specific Condition Coverage | ||
| Acute Onset of Pre-Existing Conditions | Covers 100% of the policy maximum under age 70, up to $35,000 for ages 70–79, and up to $20,000 for ages 80+. | Up to the policy maximum under age 80. |
| Pregnancy Complications | Up to $1,000/period star Better | covered |
| Optional Benefits | ||
| Border Entry Protection | Not Covered | Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border |
| Emergency Dental Treatment | Up to $250 | Up to $300 |
| Bed Visit | No Covered | Up to $1500 (routine checkup) |
| Brochure and Details | ||
How to Decide
Which Should You Choose: Safe Travels USA Comprehensive or Atlas America Insurance?
Acute Onset of Pre-Existing Conditions Detail
Both Safe Travels USA Comprehensive and Atlas America provide coverage for the sudden onset of pre-existing medical conditions, but with different limits based on age:
| Plan | Acute Onset of Pre-Existing Conditions Coverage |
|---|---|
| Safe Travels USA Comprehensive | Covered up to 100% of the policy maximum for ages up to 69. Ages 70–79: up to $35,000. Age 80+: up to $20,000. Applies only to sudden, unexpected conditions during the trip that require immediate medical attention. Clear age-specific sub-limits make it predictable for travelers of all ages. |
| Atlas America | Covered up to the overall policy maximum for ages under 80. |
Which Plan Covers Emergency Medical Treatment of Pregnancy Coverage Better?
| Plan | Emergency Medical Treatment of Pregnancy Coverage |
|---|---|
| Safe Travels USA Comprehensive | Covered up to $1,000 per policy period for sudden and unforeseen pregnancy complications. Routine prenatal care is not covered. |
| Atlas America | Covered for complications of pregnancy only (first 26 weeks). Routine pregnancy, childbirth, and newborn care are NOT covered. |
Which Plan Covers Sports & Activities Better?
| Plan | Sports Coverage |
|---|---|
| Safe Travels USA Comprehensive | Sports coverage is optional. Covers up to $50,000 for injuries while participating in listed sports only. Coverage depends on the selected class: Class 1: Archery, tennis, swimming, track, volleyball, golf, etc. Class 2: Includes baseball, basketball, soccer, gymnastics, rugby, and more |
| Atlas America | Includes coverage for eligible injuries and illnesses from vacation sports as part of the base plan. Ideal for travelers who plan to participate in recreational activities during their trip. Optional upgrade available for hazardous/extreme sports. |
Coinsurance & Benefit Structure
Both plans are Comprehensive visitor medical insurance plans. After the deductible is met, eligible medical expenses are covered based on the coinsurance structure until the policy maximum is reached.
- Safe Travels USA Comprehensive : 100% coverage of eligible expenses up to the policy maximum after the deductible.
- Atlas America : We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
2026 Rates
How much does Safe Travels USA Comprehensive vs Atlas America Insurance cost per month?
Both Safe Travels USA Comprehensive and Atlas America offer strong visitor medical insurance for travelers visiting the United States. The monthly cost of these plans varies based on the traveler’s age, coverage limit, and deductible.
Safe Travels USA Comprehensive plans start at around $50 per month, while Atlas America plans start at about $59 per monthIn general, s for younger travelers with a $50,000 coverage limit. As the traveler’s age and coverage amount increase, the premium will also increase.
The table below provides an estimated monthly premium comparison for different age groups and coverage limits to help you choose the best plan for your needs.
| Age Group | Plan | $50K | $100K | $250K |
|---|---|---|---|---|
| 18 – 29 | Safe Travels USA Comprehensive | $50 | $64 | $77 |
| Atlas America | $50 | $63 | $69 | |
| 30 – 39 | Safe Travels USA Comprehensive | $68 | $94 | $110 |
| Atlas America | $60 | $81 | $94 | |
| 40 – 49 | Safe Travels USA Comprehensive | $90 | $113 | $131 |
| Atlas America | $78 | $96 | $108 | |
| 50 – 59 | Safe Travels USA Comprehensive | $148 | $187 | $235 |
| Atlas America | $131 | $161 | $200 | |
| 60 – 64 | Safe Travels USA Comprehensive | $172 | $226 | $298 |
| Atlas America | $177 | $225 | $301 | |
| 65 – 69 Senior | Safe Travels USA Comprehensive | $197 | $253 | N/A |
| Atlas America | $206 | $258 | N/A |
Green = Lower Price for That Tier
Prices with $250 deductible · American Visitor Insurance® · 2026
Help Me Choose
Which Plan Should You Buy?
Both Safe Travels USA Comprehensive and Atlas America are excellent visitor medical insurance options for travel to the USA. The right plan depends on your situation use this quick guide to decide in seconds
check_circle Choose Safe Travels USA Comprehensive if…
elderlyYou or your parents are age 70 or older - only plan covering acute onset pre-existing up to age 89
card_membershipYou hold a US Green Card and need coverage visiting the USA from abroad
pregnant_womanYou're a pregnant traveler needing emergency pregnancy complication coverage ($1,000)
attach_moneyYou want a lower monthly premium - generally $10 - $65 cheaper depending on age
medical_servicesYou prefer the First Health Care PPO network
check_circle Choose Atlas America if…
personTraveler is under age 70 and wants straightforward visitor medical coverage
sports_gymnasticsYou want higher medical coverage (up to $2 million) with 100% after deductible
favorite You want coverage for eligible sports injuries up to $50,000
family_restroomUnder age 79 and want Acute Onset of Pre-Existing Conditions covered up to the full policy maximum
local_hospitalYou want coverage for complications of pregnancy (up to 26 weeks, limited benefit up to $500)
local_hospitalYou need a large Emergency Reunion benefit ($100,000 vs $15,000 for Safe Travels)
Common Questions
Safe Travels USA Comprehensive vs Atlas America - FAQ's
Safe Travels USA Comprehensive is generally better for seniors because it allows coverage up to age 89 (with reduced benefits). Atlas America covers travelers only up to age 80, and benefits reduce after age 70.
Both plans cover hospital expenses in the U.S., but:
- Atlas America: Uses UnitedHealthcare PPO network and pays 100% after deductible in-network
- Safe Travels USA Comprehensive: Uses First Health PPO network and follows coinsurance (80% then 100%)
Both plans may cover limited sports, but:
- Atlas America: Requires Hazardous Sports Rider for extreme activities
- Safe Travels USA Comprehensive: Covers listed sports with exclusions for extreme activities
Atlas America: Better for younger parents (under 70) due to higher coverage limits
Safe Travels USA Comprehensive: Better for older parents (70+) due to extended eligibility
Safe Travels USA Comprehensive: Better for older parents (70+) due to extended eligibility
Atlas America - Uses UnitedHealthcare PPO network with direct billing and 100% coverage after deductible (in-network)
Safe Travels USA Comprehensive - Uses First Health PPO network with coinsurance-based structure
Safe Travels USA Comprehensive - Uses First Health PPO network with coinsurance-based structure
Atlas America - Better for travelers who want higher protection during long stays
Safe Travels USA Comprehensive - Better for budget-conscious long-term visitors
Safe Travels USA Comprehensive - Better for budget-conscious long-term visitors
Yes. Both Safe Travels USA Comprehensive and Atlas America are renewable up to one year of total coverage. Extensions are typically done before the current policy expires and may require a new application depending on circumstances.