Atlas America vs Patriot America, TokioMarine HCC vs IMG visitor insurance comparison

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


Compare Atlas America and Patriot America plans

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Atlas America
Maximum
Deductible
Patriot America Plus
Maximum
Deductible
Pre - existing
brochure  Brochure & Details links
» Brochure
» Details
» Reviews
» Brochure
» Details
» Reviews
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.
Pre-existing  Pre-existing conditions Coverage
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 Non U.S. citizens(Patriot America Plus Plan only)
Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical):
Up to the maximum limit per period of coverage.
For U.S. citizens
Up to age 65 with primary health plan - Usual Reasonable and Customary up to plan maximum. Up to age 65 without primary health plan - $20,000 lifetime maximum. Age 65+ with or without primary health plan - $2,500 lifetime maximum.
coverage  Length of Coverage
Minimum : 5 days
Maximum : 364 days
Minimum : 5 days
Maximum : 2 years
renewal  Renewability
Yes : Up to 364 days Yes : Up to 2 years if initial purchase is 1 month
Pre-existing  Definition of Acute onset of Pre-existing Condition
Sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance.
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.
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
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.
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