Atlas America Insurance vs Liaison Choice Insurance

These are two popular visitor insurance plans for international travel. Compare price and benefits to find the best 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
Liaison Choice
Plan Maximum
Deductible
hccmis seven corners
brochure  Brochure & Details links
» Atlas America Insurance Brochure
» Atlas America Insurance Details
»Atlas America Insurance Reviews
» Liaison Choice Insurance Brochure
» Liaison Choice Insurance Details
» Liaison Choice Insurance Reviews
file  Underwriter
Atlas Travel Insurance Underwriter
Certain Underwriters at Lloyd's of London
Liaison Travel Choice Insurance Underwriter
Certain Underwriters at Lloyd's of London
Best Rating  Rating
Atlas Travel Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Liaison Travel Choice Insurance Rating
AM Best Rating: "A" (Excellent)
coverage  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 $250,000
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 $250,000
Ages 80+: $10,000
Worldwide including US
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: $50,000
Ages 80+: $15,000

Worldwide excluding US
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: $50,000, $100,000
Ages 80+: $15,000
coverage  Deductible Options
$0, $100, $250, $500, $1,000, $2,500 or $5,000 $0, $100, $250, $500, $1,000, $2,500, $5,000
coinsurance  Coinsurance
Coverage in USA Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
Coverage outside US
Plan will pay 100% of eligible expenses up to the plan maximum.
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%.
Dismemberment  Accidental Death and Dismemberment
$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
coverage  Length of Coverage
Minimum : 5 days
Maximum : 364 days
Minimum: 5 days
Maximum: 364 days
renewal  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.
Pre-existing  Definition of Acute onset of Pre-existing Condition
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)
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, is of short duration, is rapidly progressive, and requires urgent care.
accident  Common Carrier Accidental Death
Up to $50,000 for ages 18 through 69
Up to $10,000 under age 18
Up to $25,000 for ages 70 through 74
Up to $12,500 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
accident  Local Ambulance
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Up to $10,000
accident  Terrorism
Up to $50,000 lifetime maximum for eligible medical expenses only. Up to $50,000
Political evacuation  Political evacuation
Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). $10,000
hostpital  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  Unique Advantages
Atlas America Insurance Advantages:
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.
Liaison Travel Choice Insurance Advantages:
Best for American Expatriates visiting the US. Optional coverage for hazardous sports.
hostpital  US Network of hospitals and doctors
» US PPO Network » US PPO Network
hostpital  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.

AVI customer service

NEED HELP? Contact Us
We are here to help you!

  +1-(877)-340-7910

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:
  • Plan Maximum coverage:
    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.
  • What is a deductible in visitors 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.
  • What is a 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.
  • What is coinsurance in visitor 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.
  • Renewability of US Travel health 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.
  • Eligibility for US visitors 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.
  • Pre-existing conditions US visitors medical insurance coverage
    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.


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

Resourceful visitors medical insurance information

Resources

Visitor insurance resources

International travel insurance resources for travel emergency while outside your home country.


 Know more
Factors

Factors for travel insurance

Important factors to consider while deciding on the best visitors medical insurance.


 Know more
comparison

Types of visitor insurance

Understanding different types of US visitor health insurance options, fixed benefits vs comprehensive coverage.


 Know more
Claims Procedure

Claims Procedure

Helping travelers with the insurance claims process for getting medical care in a hospital.


 Know more

Travel health insurance information

Welcome to American Visitor Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required