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 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
- 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
- Safe Travels USA
- Yes
- Yes
- Yes, covers up to 69 years
- Yes
- Yes
- $0 to $5k
- "A" Excellent
- Yes
- Zurich Insurance
- Trawick International
- Buy Now
Factors for comparing Atlas America vs Safe Travels USA Comprehensive
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%
- 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
- 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.
Atlas America vs Safe Travels USA Comprehensive cost per month
Atlas America
| Travelers Age | Maximum $50K | Maximum $100K |
|---|---|---|
| 50 - 59 | $127 | $156 |
| 60 - 64 | $172 | $219 |
| 65 - 69 | $200 | $250 |
| 70 - 79 | $344 | $429 |
| Buy now shopping_cart | ||
Safe Travels USA Comprehensive
| Travelers Age | Maximum $50K | Maximum $100K |
|---|---|---|
| 50 - 59 | $143 | $181 |
| 60 - 64 | $167 | $219 |
| 65 - 69 | $191 | $245 |
| 70 - 79 | $285 | $455 |
| Buy now shopping_cart | ||
Key Highlights
Atlas America vs Safe Travels USA Comprehensive Insurance - FAQs
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How much does Atlas america travel insurance cost?The Worldtrips Atlas America insurance for visitors cost will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.
Is Atlas America a good travel insurance?Yes, Atlas America is a good travel insurance plan for visitors to the US. It offers comprehensive coverage for travel insurance needs, including medical emergencies, trip cancellations, and baggage loss.
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.
What is the pre-existing condition lookback period for Atlas America insurance?Yes, there is a 2-year look-back period for pre-existing conditions.
Who owns Atlas America Insurance?Atlas America Insurance is offered by WorldTrips, a US-based insurance company and a subsidiary of Tokio Marine HCC, a global insurance group headquartered in Japan. Tokio Marine HCC specializes in travel and international medical insurance, providing comprehensive coverage for travelers.
How to file claim for Atlas America visitor insurance?To file a claim, complete the cliams form and submit it with the necessary proof of claim, such as itemized bills and payment receipts. You can either submit the form and supporting documents online or download the form and mail it along with the proof of claim to the address provided on the form.
Download Atlas America claims form »
What are the benefits of purchasing Atlas America insurance from American Visitor Insurance?Atlas America insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days.
The benefits offered on the Atlas America Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, pre-existing conditions, evacuation,trip interruption repatriation, emergency reunion and other related benefits.
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 pay 100% 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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What is Safe Travels USA Comprehensive?Safe Travels USA Comprehensive is a visitors insurance plan for Non-us citizens visiting USA. It is available for travelers up to 89 years and can be purchased for durations ranging from 5 days to 364 days, with options for renewal. Plan offers extensive medical coverage, including up to $1 million for accidents and illnesses, emergency medical evacuation, repatriation of remains, and coverage for acute onset of pre-existing conditions. Safe Travels USA Comprehensive operates within the First Health PPO network, allowing for reduced out-of-pocket expenses when using in-network providers.
What is the advantage of buying Safe Travels USA Comprehensive plan?- Safe Travels USA Comprehensive is a visitor insurance plan for non-U.S. citizens visiting the USA
- Plan provides coverage up to $1,000,000 in medical expenses for accidents and illnesses
- Travelers can purchase coverage for a minimum of 5 days up to a maximum of 364 days, with options for extensions
- Includes limited coverage for the acute onset of pre-existing conditions
- Plan treats COVID-19 as any other illness, providing coverage for related medical expenses.
Is Trawick international a good insurance company?Trawick international is a US based full service travel insurance provider specializing in travel related coverage for tourists, students, scholars, businesses, groups, and all other global travelers. Trawick International travel Insurance offers short term visitor travel insurance for international travelers. Trawick international health insurance coverage includes travel medical coverage for tourists, students, scholars, businesses and groups.
Trawick International insurance provides Travel Insurance, Trip cancellation and Student Travel Medical Insurance. Trawick International has designed the programs for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.
Who is eligible to enrol in the Safe Travels USA Comprehensive travel insurance plan by Trawick international ?The Safe Travels USA Comprehensive travel insurance plan by Trawick international is available for Non US Citizens and US residents who are traveling to the United States or anywhere outside their home country. Safe Travels USA is not available for US citizens and US permanent residents (Green card holders).
Can a traveler extend or renew the Trawick international Safe Travels USA Comprehensive plan?Yes, the Safe Travels USA Comprehensive plan can be renewed if initially purchased for more than Five days. There is an $5 fee for renewing the Trawick International Safe Travels USA Comprehensive plan
What is the coverage area of Trawick international travel insurance?Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.
What are the requirements for purchasing Trawick international insurance?The main requirements for applying for Trawick international insurance is the travelers passport details and the travel dates. You can apply for Trawick international insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
How much does Safe Travels USA Comprehensive cost per month in USA?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 $50k, $100k,$250K, $500k, $1M depending on the age of traveler.
Can Green Card Holders buy Safe Travels Insurance?Yes, This plan offers coverage for green card holders visiting USA.
Does Safe Travels USA Comprehensive insurance covers sports?Yes. Safe Travels USA Comprehensive covers sports activity up to $50K which is an optional rider. It provides coverage while performing, practicing, or participating in Class 1 or Class 2 Sports only. Extreme Sports are excluded. Hockey League play is excluded.
- Class 1: Archery, tennis, swimming, cross country, track, volleyball, and golf.
- Class 2: Ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football except division 1, gymnastics, hockey no league play, karate, lacrosse, polo, rowing, rugby, soccer, & softball.
- Extreme Sports: Sports means any high-risk non-team sport or recreation activity that is dangerous and if performed optimally, even by the highly skilled, risks loss of life or limb.
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