Compare Atlas America and Safe Travels USA Comprehensive visitor medical insurance plans to find the right coverage for emergencies, acute onset of pre-existing conditions, and budget-friendly protection for your USA trip.
Looking for reliable visitor medical insurance for the USA? Compare Atlas America and Safe Travels USA Comprehensive side-by-side and choose the right comprehensive plan in minutes.
| Atlas America | ||
|---|---|---|
| Insurance Providers help | ||
| Underwriter | TMHCC Insurance SPC Ltd and Houston Casualty Company | Zurich Insurance Europe AG |
| A.M. Best Rating | "A++ (Superior)" | "A (Excellent)" |
| Length of coverage help | 5 days to 364 days | 5 days to 364 days |
| Renewability help | Yes : Up to 364 days | Yes : 5 days to maximum of 1 year |
| Medical Maximum Options help |
Age 80+: $10,000 Age 65 to 79: $50,000, $100,000 All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000. |
Age 65 – 69: Up to $100,000; Age 70 – 79: Up to $50,000; Age 80+: Up to $20,000. All others: $50,000 $100,000 $250,000 $500,000 $1M |
| Deductible Options help | $0, $100, $250, $500, $1000, $2500, $5000. | $0, $50, $100, $250, $500, $1,000, $2,500, $5,000 |
| 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 |
| Intensive care unit help | Up to the overall maximum limit | Up to the overall maximum limit |
| 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 |
| 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 |
| 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 |
| Emergency Medical Treatment of Pregnancy | Not Covered | $1,000 per Policy Period |
| Dental | ||
| Emergency dental treatment help | Up to $300 (not subject to deductible or coinsurance). | $250 per Policy Period |
| Acute Onset of Pre-Existing Condition | ||
| Acute Onset of Pre-Existing Conditions help | Covers up to overall maximum limit until under age 80. Up to $25,000 lifetime maximum for Emergency Medical Evacuation. |
Covers up to the medical maximum purchased per period of coverage until under age 69 years 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 | ||
| Common carrier AD&D help | Under age 18: Up to $5,000 lifetime max. Under age 18-69: Up to $25,000 lifetime max. Under age 70-74: Up to $12,500 lifetime max. Under age 75 and older: Up to $6,250 lifetime max. $250,000 max benefit for any family or group. AD&D buy up: $25,000 |
$25,000 principal sum. |
| Evacuation | ||
| Emergency medical evacuation help | $1M lifetime maximum, except as provided under acute onset of pre-existing condition. | 100% up to $2M |
| 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 $50,000 |
| Emergency reunion help | Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance) | $15,000 |
| Return of minor children help | Up to $50,000 (not subject to deductible or coinsurance). | $5,000 |
| Political evacuation and repatriation help | Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). | $25,000 |
| Natural disaster evacuation help | Up to $250 a day for 5 days (not subject to deductible or coinsurance). | $25,000 |
| Trip interruption help | Up to $10,000 (not subject to deductible or coinsurance). | $5,000 maximum limit. Not subject to deductible |
| Brochure and Details | ||
Last Updated: 2026
| Plan | Maximum Coverage | Notes |
|---|---|---|
| Atlas America | $10,000 – $2,000,000 | Very high coverage ceilings, strong for long stays and higher-risk travelers. |
| Safe Travels USA Comprehensive | $50,000 – $1,000,000 | Solid coverage levels, more budget-oriented option |
✅ Recommendation: For maximum financial protection against major medical events, Atlas America leads with higher policy limits.
| Plan | Deductible | Notes |
|---|---|---|
| Atlas America | $0 - $5000 | Wide deductible flexibility to control premium |
| Safe Travels USA Comprehensive | $0 - $5000 | Similar flexible deductible options |
✅ Note: Both plans allow deductible customization - higher deductible lowers premium.
Both plans are comprehensive visitor insurance, meaning they pay a percentage of actual medical expenses after deductible (not fixed caps per service).
Atlas America:✅ Advantage: Atlas America generally offers simpler 100% in-network coverage after deductible, which many travelers prefer.
Neither plan covers routine or chronic treatment of pre-existing conditions. However, both plans provide limited coverage for the acute onset of pre-existing conditions, with different age eligibility.
| Plan | Acute Onset Coverage | Age Limit | Notes |
|---|---|---|---|
| Atlas America | Up to policy max (under age 80) | 79 | More generous age eligibility |
| Safe Travels USA Comprehensive | Up to policy max (cardiac sublimits may apply) | 89 | Sudden, unexpected flare-ups only |
👉 Atlas America generally allows acute onset coverage for a higher age bracket (up to 79), which can matter for older travelers.
⚠️ Acute onset means sudden, unexpected emergency — not ongoing treatment or maintenance care.
| Plan | Underwriter | AM Best Rating |
|---|---|---|
| Atlas America | TMHCC Insurance SPC Ltd and Houston Casualty Company | "A++ (Superior)" |
| Safe Travels USA Comprehensive | Zurich Insurance Europe AG | "A (Excellent)" |
Both carriers are financially strong and widely trusted in the visitor insurance market.
Here’s the decision logic based on your priorities:
✅ Often considered one of the most comprehensive and straightforward visitor insurance options.
⚠️ Strong alternative for travelers looking for comprehensive protection at competitive pricing.
Both Safe travels USA Comprehensive vs Atlas America provide excellent coverage for travelers visiting the US on a short-term basis. However, it's important to compare the two plans closely to determine which one best meets your specific needs.
You can compare the best visitor insurance for the USA: Atlas America vs Safe Travels Comprehensive.
Atlas America and Safe Travels USA Comprehensive cost per month with a $250 deductible
Source: 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.
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.
Yes, This plan offers coverage for green card holders visiting USA.
Yes. Safe Travels USA Comprehensive offers optional sports activity coverage up to $50,000 for Class 1 and Class 2 sports. Extreme sports and hockey league play are excluded.