Diplomat America vs Atlas Premium Insurance Reviews
Travelling to the US without American visitor medical insurance can be very risky. Travelling involves uncertain situations and emergencies like sudden sickness or injuries due to accidents, trip delay, loss of passport and much more… by which you can get stranded with huge medical bills and financial losses. Many of you are aware of the high health care cost for visitors to US and the expenses arising from hospitalization can be traumatic. There are top rated insurance providers who offer a wide range of visitors insurance that is available online and it is important to choose the best travel health insurance for USA.
Here the visitor can compare US visitor insurance cost of different travel insurance plans, in particular US travel health insurance plans like Atlas Premium insurance and Diplomat America insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness. 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 Premium insurance is administered by WorldTrips services with AM Best Rating: A++ (Superior) rating. Diplomat America insurance is designed for Non US residents travelling to the USA. It is quite popular among US citizens residing outside USA and visiting the US for a short period of time. It can be purchased for 15 days up to a maximum of 365 days.
Factors for comparing WorldTrips and Global Underwriters insurance
Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Atlas Premium vs Diplomat America travel insurance:
01. Compare medical maximum coverage
This the maximum coverage expense that the plan would offer for the medical expenses. Atlas Premium offers maximum coverage up to 2 million, while Diplomat America offers coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.
02. Compare deductible options
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 Premium insurance have a range of deductible option from $0 up to $5K and Diplomat America insurance has deductible options from $0 up to $5K.
03. Compare provider network
This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . 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.
04. Compare coinsurance options
Atlas Premium America Visitor Insurance- Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
- The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
05. Contrast the renewability options
Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas Premium insurance can be renewed for 364 days, Diplomat America plan cannot be renewable.
06. Compare eligibility options
All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas Premium plan is a comprehensive plan that provides worldwide coverage including or excluding the US. Diplomat America Non US citizens and Non-US residents while visiting the United States,this plan is available to the US citizens visiting US on business trips and vacation while living abroad. There is a requirement for a valid international address.
07. Pre-existing conditions coverage
Atlas Premium pre-existing condition travel insurance- Covers up to 80 years
- 24 months waiting period
Pre-existing conditions coverage comparision
| Pre-Existing | Atlas Premium | Diplomat America |
|---|---|---|
| What is a Pre-Existing Condition definition? |
Atlas Travel and Atlas Premium provide a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 80, you may be covered for an acute onset of a pre-existing condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation. An acute onset of a pre-existing condition is a 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. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage. |
The waiting period in travel insurance is the time period which the customer has to wait for some or all coverage benefits come into effect. It is the time period from the start of the policy when the traveler does not have the specific benefit coverage even though the policy is active and the premium has been paid for. |
| 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? | No look back period | 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 | 24 months waiting period |
- FEATURES
- Eligible Plan for USA Coverage
- Parents Eligible to be insured
- Acute on set of Pre-existing Cover
- Eligible for Green card holders
- Renewable and Cancellable
- Deductible Choice
- A.M. Best Rating
- Covid coverage
- Underwriter
- Provider
- Buy now
- Atlas Premium
- Yes
- Yes
- Yes, covers up to 79 years
- No
- No
- $0 to $5k
- A++ Standard & Poor’s: AA-
- Yes
- Lloyd's
- WorldTrips
- Buy Now
- Diplomat America
- Yes
- Yes
- 24 months waiting period
- Yes
- Yes
- $0 to $5K
- "A" Excellent
- Yes
- C&F Cayman SPC
- Global Underwriters
- Buy Now
Key Highlights
Atlas Premium Insurance vs Diplomat America Insurance - FAQs
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Is WorldTrips travel insurance a reliable insurance company? Is WorldTrips insurance a good insurance company?
WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas. This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.
What are the benefits of Atlas travel insurance?Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.
The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.
What is the coverage area of WorldTrips Atlas travel insurance?Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.
How much does WorldTrips travel insurance cost?The cost of the Worldtrips travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers
How do I purchase Atlas Travel Medical Insurance?You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas America Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.
What are the requirements for applying for Atlas Travel Insurance?The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
Is WorldTrips insurance a legit company?WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.
Can I buy travel insurance from Worldtrips?WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.
Why should I buy travel insurance from WorldTrips insurance?WorldTrips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.
Why should I buy travel insurance from WorldTrips insurance?For anyone coming to the United States, you will need to have a visa issued in your passport to be allowed in to country unless you are a citizen of a country which is part of the US visa waiver program. The list of countries under Visa waiver program are provided here. The category of visa that you need to apply for is dependent on the reason of your visit to the US. Atlas Premium insurance is very popular with visitors applying for any of these visas to the United States. Some of the Common US visas are :
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Is Global Underwriters a reliable insurance company?
Global Underwriters insurance is a leader in underwriting and administration of international health care systems for travelers. With over 50 years of involvement and expertise in the travel insurance industry Global Underwriters offer travel medical insurance for individuals traveling on business, vacationing or migrating to a foreign country. Global Underwriters insurance has specially curated travel insurance plans to offer world-class service for International Accident & Sickness Medical coverage.
What is Diplomat America Insurance?Diplomat America is an accident and Sickness medical coverage available for Non-U.S. residents traveling to the USA.. This valuable travel protection is ideal for students, business and leisure travelers, study abroad, international exchange students, tourists, holiday travelers and church or missionary travellers and US citizens visiting USA.
Does Diplomat America Insurance cover pre-existing conditions?Yes. Diplomat America covers pre-existing conditions after 24 months of waiting period.
Does Diplomat America insurance covers sports?Yes. Diplomat America covers Athletic & Hazardous Activity sports.
Why should I buy travel insurance from Global Underwriters?Global Underwriters insurance has many years of expertise and offers exceptional service to its customers worldwide. Global Underwriters has a plan for all international travelers. The Claims processing, underwriting division are committed to provide good insurance solutions for travellers.
How do I purchase Global Underwriters Insurance?You can purchase Global Underwriters Insurance on American Visitor Insurance at buy Diplomat Insurance . You can also call them at(877)-340-7910 to get more information on how to apply for Global underwriters travel health insurance from licensed insurance agents.
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