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 Plus insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness.
Here the visitor can compare US visitor insurance cost of Atlas America insurance and Patriot America Plus insurance plans by reviewing their unique Visitors medical insurance benefits. Atlas America insurance is administered by WorldTrips. It has been offering health insurance products to customers in 130 countries. Patriot America Lite and Patriot America Plus Insurance is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years.
Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Atlas America travel insurance vs Patriot America Plus travel insurance:
This the maximum coverage expense that the plan would offer for the medical expenses. Atlas America offers maximum coverage up to 2 million, while Patriot America Plus offers maximum coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.
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. All of these plans offer a set of deductible options for the travelers to choose from. Atlas America insurance has deductible options from $0 up to $5k. While Patriot America Plus insurance have a range of deductible option from $0 up to $2,500.
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.
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 Plus Insurance can be renewed up to 2 years.
All 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 Plus Insurance is popular among US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
Pre-Existing FAQ's | Atlas America | Patriot America Plus |
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What is a Pre-Existing Condition definition? |
Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age. |
What types of pre-conditions are covered? |
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Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? | 2 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage | 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage |
Do you need a medical report of the person with the pre-existing condition? | No | No |
Will we get a document stating that we have insurance and stating that the pre-existing condition is covered? | This plan does not provide a separate document | This plan does not provide a separate document |
What is pre-certification? | There is no pre-certification. | You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan. |
What is the maximum age for eligibility? | Covered up to age 79 | Covered up to age 70 |
Atlas International is a visitor travel medical insurance plan for coverage outside the USA. It is one of the few visitor insurance plans that waives co-insurance within the PPO network. Atlas International insurance schengen visa review is an ideal travel medical insurance for visiting Schengen countries and satisfies Schengen visa requirements.It also provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions.
Yes.It provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions.
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The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.
Read more »Travel with one of the (IMG) Patriot travel insurance plans so that you can spend more time enjoying your international experience and less time worrying about your medical coverage.
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