Atlas America Insurance vs Patriot America Plus Insurance

Compare travel insurance benefits offered by Atlas America insurance and Patriot America Plus 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 IMG visitor insurance comparison

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Compare Travel Plans
Atlas Travel
versus
  Patriot Travel 
Atlas America
Plan Maximum
Deductible
Atlas Travel Insurance covers covid19 illness
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Patriot America Plus
Plan Maximum
Deductible
Pre-existing / COVID19 Coverage
Patriot International offers coverage for Covid19
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Insurance Providers world-trips IMG
Covid19 Coverage Covered
Not covered
Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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
Political Evacuation Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). $100,000 maximum limit. Not subject to deductible
Emergency Reunion Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance).
$100,000 maximum limit. Not subject to deductible
$50,000 maximum limit
Renewability Yes : Up to 364 days Yes : Up to 2 years if initial purchase is 1 month
Acute onset of Pre-existing Condition Covers up to overall maximum limit, under age 80.
Patriot America: Not Covered
Covers up to maximum limit, under the age of 70 years.
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.
Patriot Travel Insurance Advantages:
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.

 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

Compare Atlas America and Patriot America Insurance

Visiting USA can be a great experience but an unfortunate event like sudden sickness or accident may arise. The health care cost for tourists to US is exceptionally high and the situation can be traumatic if the visitor doesn’t have US visitor medical insurance. There are many visitors insurance available online and it is a challenge to select 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 Patriot America insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness.

These visitors insurance plans are quite popular among international tourists to USA and are from top rated insurance providers with AM Best Rating: A++ (Superior) rating. 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 WorldTrips. It has been offering health insurance products to customers in 130 countries. Patriot America and Patriot America Plus Insurance is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years.

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What are the factors to consider while comparing Atlas America insurance and Patriot America insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America insurance and Patriot America insurance:
  • Compare visitor medical insurance maximum coverage between Atlas America insurance and Patriot America insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 1 million and Patriot America insurance offers coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.
  • Compare visitors health insurance deductible options between Atlas America insurance and Patriot America 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 Patriot America insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance has a range of deductible option from $0 up to $5,000 while Patriot America insurance has deductible options from $0 up to $2,500.
  • Compare travel medical insurance provider network for Atlas America insurance and Patriot America 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 Patriot America 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. Patriot America 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 Patriot America 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 Patriot America Insurance can be renewed up to 2 years.
  • Compare eligibility options of US visitors travel insurance for Atlas America insurance and Patriot America 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. Patriot America has a time restrictions that it has to be bought within 30 days of arrival in the US.
  • Compare visitors insurance Pre-existing conditions coverage for Atlas America insurance and Patriot America Plus insurance:
    Atlas America insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions.

Atlas America vs Patriot America plus insurance - FAQs

  • worldtrips bord-rad
    Atlas America insurance
  • IMG bord-rad
    Patriot America Plus insurance

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 Insurance offers a range of international travel insurance plans specifically considered for the needs of international travelers and students. WorldTrips 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 Insurance works ideally for visitors to the US applying for any of these visas.

Some of the common US visas are :

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.

Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

Patriot America Plus insurance works well for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, then after the deductible amount, Patriot America Plus insurance pays 100% of the eligible expenses. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Plus insurance would pay 80% of eligible expenses up to $5,000, then 100% up to the maximum limit.
For detailed working example of how it works, you can review Patriot America Plus insurance working example.

Patriot America Plus Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Plus insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.

Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.

Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.

Patriot America Plus Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, 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:
  • $50 cancellation fee will be charged by the insurance company.
  • Only full month premium will be considered for refund.

This is precisely the question that our entire website is dedicated to answering. We strive to be a one-stop shopping comparison site giving you a range of USA travel insurance options for your situation by providing several resources such as a compare visitor insurance tool, answers to frequently asked questions, resourceful blogs and answers to specific customer queries. We can get you an ideal tourist medical insurance in USA. We offer Patriot America insurance by International Medical Group (IMG) which is one of the most popular visitor insurance plans for USA that can set your mind at ease and cover you in the United States.

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Review WorldTrips Atlas America Online

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