Atlas America Insurance vs Liaison Travel Insurance

Compare travel insurance benefits offered by Atlas America insurance and Liaison Choice 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.


TokioMarine HCC vs Seven Corners visitor insurance comparison

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Atlas America
Plan Maximum
Deductible
Atlas Travel Insurance covers covid19 illness
Liaison Travel Plus
Plan Maximum
Deductible
COVID19 Coverage
hccmis seven corners
Brochure & Details links
Covid Coverage
Atlas America Insurance covers eligible costs related to COVID-19 Liaison Travel Plus Insurance covers usual, Reasonable, and Customary up to medical maximum or $100,000; whichever is less. Not Available
Underwriter
Atlas America Insurance Underwriter
Certain Underwriters at Lloyd's of London
Liaison Travel Plus Insurance Underwriter
Certain Underwriters at Lloyd's of London
Liaison Travel Choice Insurance Underwriter
Certain Underwriters at Lloyd's of London
Rating
Atlas America Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Liaison Travel Plus Insurance Rating
AM Best Rating: "A" (Excellent)
Liaison Travel Choice Insurance Rating
AM Best Rating: "A" (Excellent)
Eligibility
Atlas America Insurance
Non-US Citizens traveling outside their home country
Liaison Travel Plus Insurance
Individuals and families including unmarried dependent children traveling outside of their Home Country.
Liaison Travel Choice Insurance
Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.
Medical Maximum Options
Worldwide including US
All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Ages 65-79: $50,000, $100,000
Ages 80+: $10,000

Worldwide excluding US
All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Ages 65-79: $50,000, $100,000
Ages 80+: $10,000
Worldwide including US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000
Ages 65-69: $50,000, $100,000
Ages 70-74: $50,000

Worldwide excluding US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 64-74: $50,000, $100,000
Worldwide including US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000
Ages 65-69: $50,000, $100,000
Ages 70-79: $50,000
Ages 80+: $10,000

Worldwide excluding US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 65-79: $50,000, $100,000
Ages 80+: $10,000
Deductible Options
$0, $100, $250, $500, $1,000, $2,500 or $5,000 Age 14 days to 64: $0, $100, $250, $500, $1,000, $2,500, $5,000
Ages 65-74: $250, $500, $1,000, $2,500, $5,000
Age 14 days to 64: $0, $100, $250, $500, $1,000, $2,500, $5,000
Ages 65-79: $250, $500, $1,000, $2,500, $5,000
Ages 80+: $500, $1,000, $2,500, $5,000
Coinsurance
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Coverage in USA
In PPO - The plan pays 90% of the first $5,000, then 100% to the medical maximum.
Outside PPO - The plan pays 80% of the first $5,000, then 100% to the medical maximum.

Outside the United States
- The plan pays 100%.
Accidental Death and Dismemberment
$250,000 maximum benefit any one family or group. Up to $25,000 for a primary insured & travel companion
Up to $5,000 for a child.
Aggregate limit of $250,000 for total number of insureds on plan.
Up to $25,000 for a primary insured & travel companion
Up to $5,000 for a child.
Aggregate limit of $250,000 for total number of insureds on plan.
Length of Coverage
Minimum : 5 days
Maximum : 364 days
Minimum: 5 days
Maximum: 364 days
Minimum: 5 days
Maximum: 364 days
Renewability
Yes : Up to 364 days Yes. If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. $5 administrative fee is charged for each renewal.
Definition of Acute onset of Pre-existing Condition
Above age 70: $5,000.
Age 70 to 79: $30,000
Worldwide Including the United States: Age 14 days to 64: $10,000
Ages 65-74:$5,000
Worldwide Excluding the United States: Age 14 days to 64: $50,000
Ages 65-74: $10,000
Common Carrier Accidental Death
Up to $50,000 for ages 18 through 69
Up to $25,000 under age 18
Up to $12,500 for ages 70 through 74
Up to $6,250 for ages 75 and older
Maximum of $250,000 for any one family or group.
$50,000 primary insured & travel companion, $10,000 child
Aggregate limit of $250,000 for total number of insureds on plan.
$50,000 primary insured & travel companion, $10,000 child
Aggregate limit of $250,000 for total number of insureds on plan.
Local Ambulance
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Up to $10,000 Up to $10,000
Terrorism
Up to $50,000 lifetime maximum for eligible medical expenses only. $25,000 $25,000
Political evacuation
Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). $10,000 $10,000
Hospital Indemnity
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). $150 per day, 30-day limit $150 per day, 30-day limit
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.
  • Available for green card holders as long as their primary residence is outside the US.
Liaison Travel Plus Insurance Advantages:
  • Comprehensive visitors insurance.
  • Liaison Travel Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
  • Only one time deductible per period of coverage.
  • Cancellation and refund of full premium before policy start date.
  • With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
Liaison Choice Insurance Advantages:
  • Comprehensive visitors insurance.
  • Liaison Travel Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
  • Only one time deductible per period of coverage.
  • Cancellation and refund of full premium before policy start date.
  • With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
US Network of hospitals and doctors
» US PPO Network » US PPO Network
International Network of hospitals and doctors
» International PPO Network » International PPO Network

Compare Atlas America and Liaison Travel Insurance

Visiting USA can be wonderful but it involves high travel and health risks and situations like sudden sickness or accident may arise. Many of you are aware of the high health care cost for visitors to US and the expense arising from hospitalization can be traumatic without US visitor medical insurance. Many top rate insurance providers offer a wide range of visitors insurance that is available online and it is important to choose the best travel health insurance for USA. The visitors to the US should compare different travel insurance plans, in particular US travel health insurance plans like Atlas America insurance and Liaison Travel Choice insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness. These travel insurance plans for USA are ideal for Older travelers and parents as they have good coverage for acute onset of pre-existing conditions. Atlas America insurance is administered by Tokio Marine HCC Medical insurance services with AM Best Rating: A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries. Liaison Travel Choice Insurance is offered by Seven Corners with AM Best Rating: "A" (Excellent) rating and has been offering excellent international health insurance since 19 years.

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What are the factors to consider while comparing Atlas America insurance and Liaison Travel Insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America insurance and Liaison Travel Insurance:
  • Compare visitor medical insurance maximum coverage between Atlas America insurance and Liaison Travel Insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million and Liaison Travel Insurance offers coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum.
  • Compare visitors health insurance deductible options between Atlas America insurance and Liaison Travel 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 Liaison Travel Choice insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance and Liaison Travel Choice Insurance have a range of deductible option from $0 up to $5,000.
  • Compare travel medical insurance provider network for Atlas America insurance and Liaison Travel 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 Liaison Travel 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. Liaison Travel Choice Insurance has 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 Liaison Travel 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 Liaison Travel Choice Insurance can be renewed up to a total of 364 days.
  • Compare eligibility options of US visitors travel insurance for Atlas America insurance and Liaison Travel 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 Liaison Travel Insurance:
    Atlas America insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Liaison Travel Choice Insurance offers coverage of $30,000 for travelers up to 69 years and $5,000 for travelers aged 70 years & over.

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