Safe Travels USA Comprehensive reviews vs Atlas America Insurance reviews

Compare Travel Plans Atlas America vs Safe Travels USA	Atlas America Plans vary for travelers above 65 years. Please apply separately for travelers under 64, those between 65 and 79, and those above 80 years Plan Maximum Deductible Buy Now	Safe Travels USA Comprehensive Plan Maximum Deductible Buy Now
Atlas America vs Safe Travel USA Comprehensive insurance reviews
Insurance Providers help
Coinsurance help	The plan pays 100%	The plan pays 100% up to the overall maximum limit
Length of Coverage help	Minimum : 5 days Maximum : 364 days	Minimum : 5 days Maximum : 364 days
Renewability help	Up to 364 days	5 days to maximum of 1 year
Unique Benefits	Covers complications of pregnancy in the first 26 weeks of gestation. Emergency medical evacuation coverage up to $1,000,000. It is ideal for people on OPT and H1 Visa holders.	This plan is ideal for Green card holders. Optional rider cover for Sports activity coverage, AD&D. Offers Acute onset of pre-existing coverage up to the age of 70 years.
PPO Network
Medical Benefits
Hospital room and board help	Average semi-private room rate up to the maximum limit. Includes nursing service	The average semi private room rate
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.	$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay
Intensive care unit help	Up to the overall maximum limit	Up to the overall maximum limit
Radiology / X-ray help	Up to the maximum limit	Up to the maximum limit
Physical Therapy help	Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).	Limited to $50 per visit, one visit per day and 10 visits per Policy Period.
Emergency Services
Emergency local ambulance help	URC when covered illness or injury results in hospitalization as inpatient.	Covered
Emergency Medical Treatment of Pregnancy	Not Covered	$1K per Policy Period
Hospital emergency room help	Outside the U.S: Up to the maximum limit 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)	Not covered
Dental
Emergency dental treatment help	Up to $300 (not subject to deductible or coinsurance).	$250 per Policy Period
Evacuation
Emergency medical evacuation help	$1M lifetime maximum, except as provided under acute onset of pre-existing condition.	100% up to $2M
Emergency reunion help	Up to $100K, maximum of 15 days (not subject to deductible or coinsurance)	$15K
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.	100% up to $50K
Return of minor children help	Up to $50K (not subject to deductible or coinsurance).	$5K
Political evacuation and repatriation help	Up to $100K lifetime maximum (not subject to deductible or coinsurance).	$25K
Natural disaster evacuation help	Up to $250 a day for 5 days (not subject to deductible or coinsurance).	$25K
Trip interruption help	Up to $10K (not subject to deductible or coinsurance).	$5K maximum limit. Not subject to deductible
Pre-Existing Condition
Acute Onset of Pre-Existing Conditions help	Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.	coverage up to 69 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000. Up to $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation.
Life
AD&D help	Under age 18: Up to $5K lifetime max. Under age 18-69: Up to $25K lifetime max. Under age 70-74: Up to $12.5K lifetime max. Under age 75 and older: Up to $6,250 lifetime max. $250K max benefit for any family or group. AD&D buy up: $25K	$25K principal sum.
Travel Insurance
Underwriter	Lloyd's	Zurich Insurance Europe AG Belgian branch
Rating help	A++ (Superior) Standard & Poor’s Rating: AA-	“A+”
Brochure and Details	Plan Details Brochure Reviews	Plan Details Brochure Reviews

Review of Atlas America vs Safe Travels USA Comprehensive

International travelers visiting USA must be aware of the extremely high health care cost for visitors to USA. Hospitalization with expensive medical bills can be a terrifying without visitor insurance. Many insurance providers offer different visitor medical insurance for tourists to the US. It is prudent to compare US visitor insurance before buying travel health insurance for USA.Here the visitor can compare US visitor insurance cost of Atlas America insurance and Safe Travels USA Comprehensive insurance plans by reviewing their unique Visitors medical insurance benefits.

Atlas America vs Safe Travels USA Comprehensive insurance

Atlas America Insurance is offered by WorldTrips which has been offering health insurance products to customers in 130 countries. It also has AM Best Rating: A++ (Superior) rating. Safe Travels USA Comprehensive is offered by Trawick International and has an AM Best Rating of “A+”.

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
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Atlas America
Yes
Yes
Yes, covers up to 79 years
No
Yes
$0 to $250
A++ Standard & Poor’s : AA-
Yes
Lloyds, London
WorldTrips
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Safe Travels USA
Yes
Yes
Yes, covers up to 69 years
Yes
Yes
$0 to $5k
"A" Excellent
Yes
Zurich Insurance
Trawick International
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Factors for comparing Atlas America vs Safe Travels USA insurance

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America insurance and Safe Travels USA Comprehensive insurance:

1. Policy maximum

This is the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 1 million and Safe Travels USA Insurance offers coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum. Safe Travels USA Comprehensive Insurance is available up to 89 years.

2. Deductible options

Atlas America insurance and Safe Travels USA Comprehensive insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance and Safe Travels USA Comprehensive have a range of deductible option from $0 up to $5K.

3. 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.

4. Coinsurance

Atlas America Visitor Insurance

Plan pays 100%

Safe Travels USA Comprehensive Visitor Insurance

Covers co-insurance after the deductible, 100% up to the Policy Maximum

5. Renewability

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 Safe Travels USA Comprehensive can be renewed up to 1 year.

6. Eligibility

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Safe Travels USA Comprehensive For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries while Atlas America is available for Non-US Citizens traveling outside their home country.79 years old turing 80 during the coverage period, Atlas America plan does not affect coverage as long plan is purchased at age 79.

7. Pre-existing conditions

Atlas America pre-existing condition travel insurance

Covers up to 79 years

Safe Travels USA Comprehensive pre-existing condition travel insurance

For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or cardiac conditions, which will be limited to $25K up to and including age 69, with a $25K Maximum Lifetime Limit for Emergency Medical Evacuation.

Pre-existing conditions comparison table

Pre-Existing FAQ's	Atlas America	Safe Travels USA Comprehensive
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	For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000. Upon attaining age 70 Acute Onset benefits is not available. Benefits are payable up to the maximum provided the condition or event: 1. 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; 2. occurs a minimum of 48 hours after the Effective Date of the Policy; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Any repeat/reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Acute Onset episode of a Pre-Existing Condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and onset is no longer acute, or the Covered Person is discharged from a medical facility.
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	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.	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 69

Atlas America

Travelers Age	Maximum $50K	Maximum $100K
50 - 59	$105	$130
60 - 69	$150	$150
70 - 79	$150	$150
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