Atlas America vs Patriot America Plus vs Liaison Choice travel insurance comparison

These are popular visitor insurance plans for international travel. Compare price and benefits to find the best plan for your needs.


Atlas America vs Patriot America Plus vs Liaison Choice

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Atlas America
Maximum
Deductible
Patriot America Plus
Maximum
Deductible
Pre - existing
Liaison Choice
Maximum
Deductible
hccmis IMG seven corners
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coverage  Medical Maximum Options
Worldwide including US (Atlas America)
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 (Atlas International)
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 (Patriot America)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000

Worldwide excluding US (Patriot International)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Patriot America Plus
Age 14 days to 69: $50,000, $100,000, $500,000
Ages 70-79: $50,000
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 or $2,500 $0, $100, $250, $500, $1,000, $2,500, $5,000
coinsurance  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 - Plan pays 100%
Outside PPO - Plan will pay 80% of eligible expenses up to $5,000, then 100%
Coverage outside US: No coinsurance
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
  • Members under age 18: Up to $5,000 lifetime maximum.
  • Members age 18-69: Up to $50,000 lifetime maximum.
  • Members age 70-74: Up to $12,500 lifetime maximum.
  • Members age 75 and older: Up to $6,250 lifetime maximum.
  • $250,000 maximum benefit any one family or group.
$25,000 principal sum. $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 years later can be renewed maximum up to 2 years
Minimum: 5 days
Maximum: 364 days
renewal  Renewability
Yes . Up to 2 additional years
Provided there is no break in coverage. It can be purchased initially for 5 day minimum and up to a maximum of 364 days
Yes. Up to 2 years if initial purchase is 1 month 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  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)
For Patriot International plan only
For US Citizens
  • Up to age 65 with primary health plan: Up to maximum limit.
  • Up to age 65 witout primary health plan: $20,000 certificate period.
  • Age 65 to age 70: $2,500 certificate period.
For Non US citizens
  • Up to age 70 years: Up to maximum limit or $500,000 whichever is less
Under 70 years of age: Up to period of coverage maximum limit.
Up to age 0 to 69: $30,000
Up to age 70 years and above: $5,000
accident  Common Carrier Accidental Death
  • Members under age 18: Up to $25,000
  • Members age 18-69: Up to $50,000
  • Members age 70-74: Up to $12,500
  • Members age 75 and older: Up to $6,250
  • $250,000 maximum benefit any one family or group.
$50,000 per insured person and $250,000 maximum limit per lifetime and per family. $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 medical maximum Up to $10,000
accident  Terrorism
Up to $50,000 lifetime maximum for eligible medical expenses only. Up to $50,000 maximum limit. Not subject to deductible. Up to $50,000
Political evacuation  Political Evacuation
Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). $10,000 maximum limit. Not subject to deductible. $50,000
hostpital  Hospital Indemnity
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). Up to $100 per overnight up to a maximum of 10 overnights. $150/night to a maximum of 30 days per occurrence, while traveling outside the U.S. & Canada.
unique  Unique Advantages
  • Child 9 years and below is FREE with a paying adult
  • 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.
Optional coverage for adventure sports with purchase of the rider Optional coverage for Enhanced AD&D rider
  • 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 » US PPO Network
hostpital  International Network of hospitals and doctors
» International PPO Network » International PPO Network » International PPO Network
file  Underwriter
Lloyds, London and is rated "A" (Excellent) by A.M. Best. Sirius International Insurance Corporation and is rated "A" (Excellent) by A.M. Best. Certain Underwriters at Lloyd's of London and is rated "A" (Excellent) by A.M. Best.

Compare  Compare other 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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