Atlas America Insurance vs Patriot America Insurance

These are two popular US visitor insurance plans for international travel. Compare price and benefits of Atlas America Insurance and Patriot America Insurance to find the best plan for your needs.

Tokio Marine HCC vs IMG visitor insurance comparison

Start Date
End Date
Coverage Region
Atlas America
Plan Maximum
Patriot America Plus
Plan Maximum
Pre - existing
hccmis img
brochure  Brochure & Details links
» Atlas America Insurance Brochure
» Atlas America Insurance Details
» Atlas America Insurance Reviews
» Patriot America Insurance Brochure
» Patriot America Insurance Details
» Patriot America Insurance Reviews
file  Underwriter
Atlas Travel Insurance Underwriter
Certain Underwriters at Lloyd's of London
Patriot America Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Best Rating  Rating
Atlas Travel Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
coinsurance  Coinsurance
Coverage in USA
In PPO - Coinsurance will be waived.
Outside PPO - Plan will pay 80% of the next $5,000 of eligible expenses, then 100% to the plan maximum.

Coverage outside US
Plan will pay 100% of eligible expenses up to the plan maximum.
Coverage in USA
In PPO - Plan will pay 90% of eligible expenses up to $5,000, then 100%.
Outside PPO - Plan will pay 80% of eligible expenses up to $5,000, then 100%

Coverage outside US
Plan will pay 100% of eligible expenses up to the plan maximum.
coverage  Length of Coverage
Minimum : 5 days
Maximum : 364 days
Minimum : 5 days
Maximum : 2 years
Political evacuation  Political Evacuation
Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). $100,000 maximum limit. Not subject to deductible
renewal  Renewability
Yes : Up to 364 days Yes : Up to 2 years if initial purchase is 1 month
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:
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for up to age 65.
Patriot America Plus plan only:
  • Covers up to maximum limit, under the age of 70 years.
unique  Unique Advantages
Advantages of Atlas America Insurance
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.
Advantages of Patriot America Insurance
Optional coverage for adventure sports with purchase of the rider.
Renewable up to 2 years.
Ideal for US citizens and expats residing outside and visiting USA.
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 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 Tokio Marine HCC Medical insurance services. 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:
  • Plan Maximum coverage:
    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.
  • 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 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.
  • 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. 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.
  • 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 Patriot America Insurance can be renewed up to 2 years.
  • 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. Patriot America has a time restrictions that it has to be bought within 30 days of arrival in the US.
  • 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 Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions.

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Claims Procedure

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

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