Atlas America Insurance vs Liaison Choice 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.

WorldTrips vs Seven Corners visitor insurance comparison

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Compare Travel Plans Atlas Travel
versus
 Liaison Travel 
Atlas America
Plan Maximum
Deductible
Atlas Travel Insurance covers covid19 illness
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Liaison Travel Plus
Plan Maximum
Deductible
COVID19 Coverage
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Insurance Providers world-trips Seven-corners
Covid19 Coverage Covered Seven corners Liaison coronavirus travel insurance offers coverage for overseas medical expenses arising from Covid19 infection while the travellers are outside their home country. The Covid19 treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and Any mutation or variation of SARS-CoV-2 Not Available
Medical Maximum Options Worldwide including US
Age 14 days to 69: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Ages 70-79: $50,000, $100,000 or $150,000
Ages 80+: $10,000

Worldwide excluding US
Age 14 days to 69: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Ages 70-79: $50,000, $100,000 or $150,000
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 $0, $100, $250, $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%.
Length of Coverage 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.
Acute onset of Pre-existing Condition Covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions)
Worldwide Including the United States:
  • Ages 14 days to 64 years: $10,000
  • Ages 65 to 74 years :$5,000
Worldwide Excluding the United States:
  • Ages 14 days to 64 years: $50,000
  • Ages 65 to 74 years :$10,000
Local Ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Up to $10,000
Terrorism Up to $50,000 lifetime maximum for eligible medical expenses only. Up to $25,000
Political evacuation Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). $10,000
Hospital Indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). $150/night to a maximum of 30 days per occurrence, while traveling outside the U.S. & Canada.
Unique Advantages
Atlas Travel Insurance Advantages:
  • Atlas America Insurance is designed for travelers on H1B/H4 visa holders or students on OPT status.
  • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
Liaison Travel Plus Insurance Advantages:
  • Best for American Expatriates visiting the US.
  • Optional coverage for hazardous sports.
Liaison Travel Choice Insurance Advantages:
  • Best for American Expatriates visiting the US.
  • Optional coverage for hazardous sports.

 Accident death and dismemberment

Common Carrier $250,000 maximum benefit any one family or group. $25,000 primary insured & travel companion; $5,000 child
Aggregate limit of $250,000 for total number of insureds on plan
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

 Travel Insurance

Underwriter Atlas Travel Insurance Underwriter
Lloyd's
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 Travel 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)
US Network of hospitals and doctors » US PPO Network » US PPO Network
International Network of hospitals and doctors » International PPO Network » International PPO Network
Brochure and Details

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 World Trips 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 Choice 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 Choice insurance:
  • Compare visitor medical insurance maximum coverage between Atlas America insurance and Liaison Choice 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 Choice 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 Choice 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 Choice 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 Choice 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 Choice 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 Choice 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 Choice 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.

Atlas America vs Liaison Travel Choice Insurance - FAQs

  • worldtrips
    Atlas America insurance
  • Seven -corners
    Liaison Travel Choice

Atlas America insurance covid coverage is available for plans purchased after July 15, 2020. Atlas America insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19/SARS-CoV-2.

WorldTrips offers a range of international travel insurance plans specifically considered for the needs of international travelers and students. WorldTrips travel insurance products are ideal for NON US citizens traveling to the US or outside their home country, for US citizens traveling outside the US and international students studying outside their home country. The Atlas America insurance Covid covers Coronavirus and acute onset of pre-existing conditions and is very popular with international travelers.

Yes, Atlas America insurance is a good option for visitors to US who have been here for some time and do not have a current insurance coverage. It is also an excellent plan for international students who are on the OPT status, H1B visa holders and for Spouses of H1B visa holders on the H4 visa status.

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.

Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.

Yes, US Visitors who had initially bought for less than 364 days can renew Atlas America Insurance online up to 364 days.

If you want to cancel Atlas America insurance, you must submit your cancellation request to orders@world-trips.com in order to receive a refund or premium. Only members who have no claims are eligible for premium refund.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:
  • Full refund of premium.
Cancellation after effective date:
  • $25 cancellation fee will be charged by the insurance company.
  • Only unused portion of the plan cost will be refunded.

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 $100,000, whichever is lower.

Visitors can review this article on how to use Atlas America visitor medical insurance in case of emergency in the United States.

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.

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 :
  1. Visitor visa or Tourist Visa
  2. Student visa (F1 visa)
  3. J visa (exchange scholar visa)
  4. H1B work visa
  5. Fiancee visa

Please refer to the Liaison Travel Choice ID cards provided by SevenCorners at the time of enrolment which will have all the necessary information for reimbursement.

When you visit a medical provider, explain to them that you have Liaison Travel Choice insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so.

Yes, Liaison Travel Choice insurance is available up to a total of 364 days. Travelers who had initially bought for less than 364 days and wish to extend their coverage can renew Liaison Travel Choice insurance online up to 364 days.

If your travel plan is changed and want to cancel Liaison Travel Choice insurance, you have to submit a written request to cancel@sevencorners.com for cancellation and refund of your premium. The subject of the email must contain the first name and last name of the policy holder. While the body of the email must contain the name of the policy holder, birth date, certificate number and date of cancellation. If you have filed claims for reimbursement, your premium is non refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

  • Full refund of premium.
Cancellation after effective date:
  • A cancellation fee will be charged will be charged by the insurance company.
  • Unused portion of the plan cost will be refunded.

Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not an Acute Onset of a Pre-Existing Condition. A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) if, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage.

Liaison Travel Choice offers coverage for acute onset of pre-existing conditions for Non US Visitors to USA. Travelers aged up to 69 years can avail coverage up to $30,000. $5,000 coverage for visitors above 70 years for acute onset of pre-existing conditions.
Waiver of Pre-existing Condition for United States Residents outside the United States: The plan pays up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months prior to your coverage. US Travelers aged up to 69 years can avail coverage up to $50,000. $10,000 coverage for travelers above 70 years for acute onset of pre-existing conditions.

Travelers can review this article on how to use Liaison Travel Choice visitor medical insurance in case of emergency in the United States.

Liaison Travel Choice insurance offers comprehensive coverage. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO, Multiplan, PHCS out of Area”. When Traveling Outside the United States, you need to visit Wellabroad.com to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Liaison Travel Choice insurance pays 90% of the first $5,000, then 100% up to maximum limit. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Liaison Travel insurance would pay 80% of the first $5,000, then 100% up to maximum limit. For coverage outside US, the plan pays 100% of the eligible expenses. For detailed working example of how it works, you can review Liaison Travel Choice insurance working example.

Yes, Liaison Travel Choice insurance satisfies Schengen visa insurance requirements, it has a $50,000 coverage and $0 deductible option for travelers visiting Schengen countries. After buying the plan, to download the Schengen visa letter for Liaison Travel Choice insurance, please refer the payment confirmation email that provides you a link "View Coverage Letter" under Summary of Benefits.

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