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Atlas Premium Insurance vs Diplomat America Insurance - Compare and buy

Compare travel insurance benefits offered by Atlas Premium insurance, Diplomat America Insurance plans. These two US visitor insurance Diplomat America vs Atlas Premium 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 Global Underwriters visitor insurance cost calculator

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Atlas Premium vs Diplomat America
Atlas Premium
Plan Maximum
Deductible
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Diplomat America
Plan Maximum
Deductible
Minimum Enrollment is 15 Days
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Insurance Providers help
Medical Maximum Options help Age 80 or older: $10,000
Age 65 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, $1M or $2M.		 Plan A: $50,000
Plan B: $100,000
Plan C: $250,000
Plan D: $500,000
Plan E: $1,000,000
Persons age 60-64 are eligible for plan A, B, and C; Persons age 65-69 are eligible for plans A and B; Persons age 70 – 79 are eligible for plan A; Persons age 80+ are eligible for a maximum benefit of $20,000.
Deductible Options help $0, $100, $250, $500, $1000, $5000 $0, $50, $100, $250, $500, $1000, $2,500, $5000
Coinsurance help Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. The plan pays 80% up to $5K of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit as a result of an Illness is available
Length of Coverage help 5 days to 364 days 15 days to 365 days
Renewability help Yes : Up to 364 days Not Renewable
 Medical Benefits
Hospital room and board help Average semi-private room rate, including nursing services. Covered
Intensive care unit help Up to the overall maximum limit $500,000
Hospital indemnity help $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). Covered
Urgent Care Clinic help Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S. - No co-payment.		 Covered
 Emergency Services
Emergency local ambulance help Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Covered
Hospital emergency room help Outside the U.S: No co-payment.
Inside the U.S: Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)		 Covered
 Dental
Emergency dental treatment help Up to $300 (not subject to deductible or coinsurance). Accident: Usual & Customary Expense; Palliative: $100
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions help Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions) 24 Months prior to the start date of coverage
 Life
AD&D help Members under age 18: Up to $5000 lifetime maximum.
Members age 18-69: Up to $25,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum. Members age 75 and older: Up to $6,250 lifetime maximum.
$250K maximum benefit any one family or group.
Accidental death & dismemberment buy up: $25,000		 $25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits
Common carrier AD&D help Up to $50,000 for ages 18 through 69
Up to $10,000 under age 18
Up to $25,000 for ages 70 through 74
Up to $12,500 for ages 75 and older
Maximum of $250,000 for any one family or group.		 Covered
 Evacuation
Emergency medical evacuation help $1,000 lifetime maximum, except as provided under acute onset of pre-existing condition. Covered up to $500,000
Emergency reunion help Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance) Covered up to $50,000
Return of mortal remains or cremation/burial help Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. Covered up to $50,000
Return of minor children help Up to $50K (not subject to deductible or coinsurance). Covered up to $50,000
Political evacuation and repatriation help Up to $100K lifetime maximum (not subject to deductible or coinsurance). Covered up to $50,000
Natural disaster evacuation help Up to $250 a day for 5 days (not subject to deductible or coinsurance). Covered up to $50K
Trip interruption help Up to $10,000 (not subject to deductible or coinsurance). Covered up to $5,000
Terrorism help Up to $50,000 lifetime maximum for eligible medical expenses only. Covered
Unique Advantages
  • The Atlas Premium plan is ideal for shorter trips or individuals looking for extensive coverage travelling overseas.
  • It is also best suited for family who need first-class coverage for children and the parents.
  • Atlas Premium travel insurance provides exceptional, quality coverage for travelers interested in the best travel medical insurance with high benefit limits.
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
  • It is a comprehensive coverage plan.
  • College volleyball players and other sports players can buy Diplomat America plan with the College sports rider.
  • $20K coverage for 80+ travelers - best coverage.
 Travel Insurance
Underwriter Underwritten by Lloyds, London Underwritten by C&F Cayman SPC for and on behalf of ITI SP
Rating help AM Best Rating: A++ (Superior) Standard & Poor's Rating: AA- AM Best Rating: "A" (Excellent)
Brochure and Details

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.

Atlas Premium insurance vs Diplomat America insurance

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.

  • FEATURES
  • Cost*
  • Coverage in USA?
  • Are Parents/Seniors are eligible?
  • Are OPT students eligible?
  • Covers Acute onset of Pre-existing?
  • Eligible for Green card holders?
  • Renewable and Cancellable?
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Atlas Premium
  • $98
  • Yes
  • Yes
  • No
  • Yes, covers up to 79 years
  • No
  • No
  • $0 to $5000
  • A++ Standard & Poor’s: AA-
  • Yes
  • Lloyd's
  • WorldTrips
  • Buy Now
  • Diplomat America
  • $125
  • Yes
  • Yes
  • Yes
  • 24 months waiting period
  • Yes
  • Yes
  • $0 to $5000
  • "A" Excellent
  • Yes
  • C&F Cayman SPC
  • Global Underwriters
  • Buy Now
*Cost for 45 years traveler; $50,000 maximum coverage; $250 deductible.

Atlas Premium America vs Diplomat America Insurance: A Quick Comparison

Atlas Premium Insurance

  • Offers maximum coverage up to 2 million.
  • Deductible options ranges from $0 to $5,000.
  • Covers pre-existing condition up to under 80 years.
  • Not Renewable.
  • $25 cancellation fee after the effective date.
  • Eligible for both US and Non US citizens traveling outside their home country.
  • Political Evacuation available up to $150,000.
assignmentPLAN DETAILS picture_as_pdfBROCHURE descriptionREVIEWS
  • local_hospital

    Provider Network
    United Healthcare Provider Network

  • dentistry

    Dental Treatment
    Up to $300

  • ambulance

    Emergency Medical Evacuation
    Up to $1,000,000 lifetime maximum

  • medical_services

    Bedside Visit
    Up to $1500

  • shopping_cartBuy Now

Diplomat America insurance

  • Offers maximum coverage up to 1 million.
  • Deductible options ranges from $0 to $5,000.
  • Covers pre-existing conditions after 24 Months of waiting period.
  • Not Renewable.
  • $25 cancellation fee before the effective date. After the effective date premium is considered fully earned and non-refundable.
  • Eligible for both US and Non US citizens traveling outside their home country.
  • This plan is for Non US citizens and Non US residents visiting the US.
assignmentPLAN DETAILS picture_as_pdfBROCHURE descriptionDESCRIPTION
  • local_hospital

    Emergency Medical Reunion
    Up to $50,000

  • dentistry

    Dental Treatment
    Accident: Usual & Customary Expense Palliative: $100

  • ambulance

    Emergency Medical Evacuation
    Up to $250,000

  • airplanemode_inactive

    Trip Interruption
    Up to $5,000

  • shopping_cartBuy Now

How much does Atlas Premium and Diplomat America cost per month?

Both Atlas Premium vs Diplomat America provide excellent coverage for travelers visiting the US on a short-term basis. However, it's important to compare the two plans closely to determine which one best meets your specific needs.

You can compare cost for both Atlas Premium and Diplomat America plans.

Atlas Premium insurance
Travelers Age Maximum $50K Maximum $100K
18 - 29 $57 $71
30 - 39 $68 $91
40 - 49 $88 $109
50 - 59 $148 $181
60 - 64 $200 $255
65 - 69 $233 $291
70 - 79 $401 $501

Diplomat America insurance
Age of traveler Maximum 50,000 Maximum $100,000
18 - 29 $63 $74
30 - 39 $83 $99
40 - 49 $125 $144
50 - 59 $182 $222
60 - 64 $229 $281
65 - 69 $261 $336
70 - 79 $353 N/A

Atlas Premium Insurance vs Diplomat America Insurance - FAQs

  • Atlas Premium Insurance - FAQ's

    Am I Eligible for an Atlas Premium Insurance Plan?
    If you are at least 14 days old and traveling internationally, you are eligible for coverage. You must purchase coverage for at least 5 days, though you do not have to travel all 5 days.If you are under age 65, you may select an overall maximum limit between $50,000 and $2,000,000. Applicants age 65 to 79 may choose an overall maximum limit of $50,000 or $100,000. Atlas Premium Travel insurance offers a $10,000 policy maximum to applicants over age 80.
    Does the Atlas Premium Travel Insurance Plan Provide Any Trip Cancellation Coverage?
    Atlas Premium Travel does not provide any reimbursement if you must cancel your trip prior to departure. However, it does include a Trip Interruption benefit if you must end your trip early due to a covered reason.Note that Atlas Premium Travel medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. It also provides more medical benefits with higher coverage limits than most travel insurance plans.
    Does Atlas Premium Insurance cover pre-existing conditions?

    Yes Atlas Premium insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 79 years.

    Does Atlas Premium offer coverage for maternity?
    Well, Atlas Premium visitor medical insurance offers coverage for complications of pregnancy during the first 26 weeks of gestation.
    Who is eligible for Atlas Premium America?
    The Atlas Premium America Insurance is available for Non-US Citizens visiting USA.
    Who is eligible for Atlas Premium International?
    The Atlas Premium International Insurance is ideal for both Non US citizens and US citizens traveling outside their home country,excluding USA.
    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.

    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.

    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.

    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 :

    1. Visitor visa or Tourist Visa
    2. International Student visa (F1 visa)
    3. J visa (exchange scholar visa)
    4. H1B work visa
    5. Fiancee visa

  • Diplomat America insurance - FAQ's

    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.

    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.

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Review travel medical insurance - Blogs and articles

Atlas Premium plan

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.

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Diplomat America Plan

Diplomat America comprehensive visitor insurance is a popular plan among Non US citizens visiting US and for US citizens residing abroad making short visits to the US. Also has adventure sports coverage.

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