Atlas America vs Safe travels USA Comprehensive visitor insurance comparison

Compare travel insurance benefits offered by Atlas America insurance and Safe travels USA Comprehensive Insurance plans. These two US travel insurance plans are comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.


Compare Atlas America and Safe Travels USA Comprehensive plans

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Atlas America
Plan Maximum
Deductible
Safe Travels USA Comprehensive
Plan Maximum
Deductible
hccmis seven corners
brochure  Brochure & Details links
» Atlas America Insurance Brochure
» Atlas America Insurance Details
» Atlas America Insurance Reviews
» Safe Travels USA Comprehensive Brochure
» Safe Travels USA Comprehensive Details
» Safe Travels USA Comprehensive Reviews
file  Underwriter
Atlas America Insurance Underwriter
Certain Underwriters at Lloyd's of London
Safe Travels USA Comprehensive Underwriter
GBG Insurance Limited
Best Rating  Rating
Atlas America Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Safe Travels USA Comprehensive Rating
AM Best Rating: “A+”
planmaximum  Plan maximum
Age 80+: $10,000
Age 70 to 79: $50,000, $100,000 or $250,000
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Age 80 to 89: $50,000
Age 65 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Age 80 to 89: $50,000
Age 70 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
coinsurance  Coinsurance
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
  • In-network:  Plan pays 100%
  • Out-of-network:  Plan pays 80% of eligible expenses up to $5,000, then 100%
100% of Covered Expenses up to the policy maximum
emergency  Emergency Medical Evacuation
$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. 100% up to $2,000,000
Pre-existing  Pre-existing Conditions Coverage
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
For people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or conditions. For age below 65 years: Up to $20,000
Age 65 and above: $10,000
Subject to the choosen Deductible and Coinsurance for Covered Expenses
repatriation  Repatriation of remains
Overall maximum limit (not subject to deductible or coinsurance). 100% up to $1,000,000
pregnancy  Maternity
Covers for complications of pregnancy during the first 26 weeks of gestation. Up to $1,000 for emergency medical treatment of pregnancy Up to $2,500 per policy period
Pre-existing  Definition of Acute onset of Pre-existing Condition
Sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received within the 24 month period before the Covered Person's coverage became effective under the Policy. A sudden and unexpected outbreak or recurrence of a PreExisting Condition which 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.
unique  Unique Advantages
Atlas Travel Insurance Advantages:
  • Atlas America Insurance is best for travelers on H1B/H4 visa holders or students on OPT status.
  • Adventure sports coverage is included.
  • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
Safe Travels USA Comprehensive Advantages:
  • 80% of the first $5,000 of eligible expenses then 100% up to the policy maximum
  • Covers doctor visits, x-rays, prescriptions, hospital, surgery, ambulance
  • Emergency medical treatment of pregnancy up to $1,000
  • Mental or nervous disorders up to $2,500
  • Physiotherapy/Chiropractic $50 per visit per day up to 10 visits
  • Dental treatment - for injury or emergency alleviation of pain $250
  • Satisfies Schengen Visa Insurance Requirements when purchased with a $0 Deductible.
  • Optional coverage for hazardous sports.
  • Covers basic lost baggage up to $1,000
hostpital  US Network of hospitals and doctors
US PPO Network US PPO Network

Atlas America Insurance vs Safe Travels USA Insurance

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

What are the factors to consider while comparing Atlas America insurance and 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 insurance:
  • Compare visitor medical insurance maximum coverage between Atlas America insurance and Safe Travels USA insurance:
    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 1 million. The coverage may vary for older travelers with reduced plan maximum. Safe Travels USA Comprehensive Insurance is available up to 89 years.
  • Compare visitors health insurance deductible options between Atlas America insurance and Safe Travels USA insurance:
    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. 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 $5,000.
  • Compare travel medical insurance provider network for Atlas America insurance and Safe Travels USA insurance:
    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.
  • Compare travel insurance coinsurance options for Atlas America insurance and Safe Travels USA insurance:
    This is a percentage of the bill that the travel has to pay. Atlas America plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Safe Travels USA Comprehensive have certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and it pays 100% within provider network.
  • Contrast the travel health Insurance renewability options for Atlas America insurance and Safe Travels USA insurance:
    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 years.
  • Compare eligibility options of US visitors travel insurance for Atlas America insurance and Safe Travels USA insurance:
    Both 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.
  • Compare visitors insurance Pre-existing conditions coverage for Atlas America insurance and Safe Travels USA insurance:
    Atlas America Insurance offers coverage for acute onset of pre-existing conditions up to the age of 79. Safe Travels USA Comprehensive offers coverage for people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or condition.
Compare  Compare other popular short term visitors medical insurance plans
  Atlas America vs Patriot America Plus      Atlas America vs Liaison Choice      Patriot America vs Liaison Choice      Patriot America vs Safe travels USA      Atlas America vs Safe travels USA

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