Compare Travel Plans
Atlas Travel versus
Patriot Travel
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Atlas Travel Insurance covers covid19 illness
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Patriot America Plus
Covid19/Pre-existing Condition
Patriot International offers coverage for Covid19
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Insurance Providers |
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Covid19 Coverage |
Covered |
Not Covered
Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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Coinsurance |
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. |
In-network: IMG pays 100% Out-of-network: IMG pays 80% up to $5,000, then 100%. |
Length of Coverage |
Minimum : 5 days Maximum : 364 days |
Minimum : 5 days Maximum : 2 years |
Medical Benefits |
Hospital room and board |
Average semi-private room rate up to the maximum limit. Includes nursing service |
The average semi private room rate |
Intensive care unit |
Up to the overall maximum limit |
Up to the overall maximum limit |
Hospital indemnity |
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
Urgent Care Clinic |
Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S. - No co-payment. |
$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay |
Emergency Services |
Emergency local ambulance |
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
Covered |
Hospital emergency room |
Outside the U.S: No co-payment.
Inside the U.S: Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury) |
Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
Dental |
Emergency dental treatment |
Up to $300 (not subject to deductible or coinsurance). |
$300 maximum limit due to accident or unexpected pain to sound natural teeth |
Acute Onset of Pre-Existing Condition |
Acute Onset of Pre-Existing Conditions |
Under 80 years of age,covers up to overall maximum limit. covers up to $25,000 lifetime maximum (excludes chronic and congenital conditions) |
Patriot America Lite: Not Covered
Under 70 years of age,with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
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Life |
AD&D |
Members under age 18: Up to $5,000 lifetime maximum. Members age 18-69: Up to $25,000 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. Accidental death & dismemberment buy up: $25,000 |
$50,000 principal sum. |
Common carrier AD&D |
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. |
$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible |
Evacuation |
Emergency medical evacuation |
$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. |
Up to the Maximum Limit |
Emergency reunion |
Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance) |
$100,000 maximum limit. Not subject to deductible |
Return of mortal remains or cremation/burial |
Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. |
Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible |
Return of minor children |
Up to $50,000 (not subject to deductible or coinsurance). |
$100,000 maximum limit. Not subject to deductible |
Political evacuation and repatriation |
Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). |
$100,000 maximum limit. Not subject to deductible |
Natural disaster evacuation |
Up to $250 a day for 5 days (not subject to deductible or coinsurance). |
$25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company) |
Trip interruption |
Up to $10,000 (not subject to deductible or coinsurance). |
$10,000 maximum limit. Not subject to deductible |
Terrorism |
Up to $50,000 lifetime maximum for eligible medical expenses only. |
$50,000 maximum limit. Not subject to deductible |
Renewability |
Yes : Up to 364 days |
Yes : Up to 2 years if initial purchase is 1 month |
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.
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Patriot Travel Insurance Advantages:
- Optional coverage for adventure sports with purchase of the rider.
- It is a comprehensive benefit plan.
- Optional coverage for Enhanced AD&D rider.
- Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
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Travel Insurance |
US Network of hospitals and doctors |
» US PPO Network |
» US PPO Network |
International Network of hospitals and doctors |
» International PPO Network |
» International PPO Network |
Underwriter |
Atlas Travel Insurance Underwriter
Lloyd's |
Patriot Travel Insurance Underwriter
Underwritten by Sirius International Insurance Corporation |
Rating |
Atlas Travel Insurance Rating
AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA- |
Patriot Travel Insurance Rating
AM Best Rating: "A" (Excellent) |
Brochure and Details |
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