Atlas Premium Insurance vs Safe Travels Elite Insurance

Compare travel insurance benefits offered by Atlas Premium insurance, Safe Travels Elite Insurance plans. These US visitor insurance Safe Travels Elite is fixed benefit visitor insurance and Atlas Premium is a comprehensive benefit visitor insurance plan for international travel which offer coverage for acute onset of pre-existing conditions and Covid19 illness. Compare price and benefits to find the best US travel medical insurance plan for your needs.

WorldTrips vs Trawick International visitor insurance cost comparison

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Atlas Premium vs Safe Travels Elite
Atlas Premium
Plan Maximum
Deductible
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Safe Travels Elite
Plan Maximum
Deductible
Insurance Providers help
Coinsurance help Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Not Available
Length of Coverage help Minimum : 5 days
Maximum : 364 days
5 days to 365 days
Renewability help Yes : Up to 364 days Yes : 5 days to 364 days
 Medical Benefits
Hospital room and board help Average semi-private room rate, including nursing services.
Economy: Up to $1,400/day, 30 day maximum
Basic: Up to $2K/day, 30 day maximum
Silver: Up to $2K/day, 30 day maximum
Gold: Up to $2K/day, 30 day maximum
Platinum: Up to $3K/day, 30 day max
Diamond: $1.5K per day to a maximum of 30 days
Diamond Plus: $1.5K per day to a maximum of 30 days
Intensive care unit help Up to the overall maximum limit
Economy: Additional $2,100/ day, 10 day maximum
Basic: Additional $2.5K/ day, 8 day maximum
Silver: Additional $2.5K/ day, 8 day maximum
Gold: Additional $3K/ day, 8 day maximum
Platinum: Additional $4.5K/ day, 10 day maximum
Diamond: $2,300 per day to a maximum of 8 days
Diamond Plus: $2,300 per day to a maximum of 8 days
Hospital indemnity help $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). Not Available
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.
Economy: Limited to $55 per visit, one visit per dayand 30 visits per Policy Period
Basic: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Silver: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Gold: Limited to $100 per visit, one visit per day and 30 visits per Policy Period
Platinum: Limited to $130 per visit, one visit per day and 30 visits per Policy Period
Diamond: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Diamond Plus: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
 Emergency Services
Emergency local ambulance help Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Economy: $500 per Inciden
Basic: $650 per Incident
Silver: $650 per Incident
Gold: $650 per Incident
Platinum: $750 per Incident
Diamond: $650 per Incident
Diamond Plus: $650 per Incident
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)
Economy: $350 per Incident
Basic: $500 per Incident
Silver: $500 per Incident
Gold: $600 per Incident
Platinum: $800 per Incident
Diamond: $500 per Incident
Diamond Plus: $500 per Incident
 Dental
Emergency dental treatment help Up to $300 (not subject to deductible or coinsurance).
Economy: $600 per Inciden
Basic: $750 per Incident
Silver: $750 per Incident
Gold: $750 per Incident
Platinum: $750 per Incident
Diamond: $750 per Incident
Diamond Plus: $750 per Incident
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions help Covers up to overall maximum limit, under age 80.Up to $25K lifetime maximum for Emergency Medical Evacuation.(excludes chronic and congenital conditions)
Economy: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25K
Basic: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25K
Silver: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25K
Gold: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25K
Platinum: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25K
Diamond: For ages 70-79, up to $25K. For ages 80 and above, up to $15K /Coverage related to Cardiac Conditions or Stroke are limited to $15K
Diamond Plus: For ages 70-79, up to $25K. For ages 80 and above, up to $15K /Coverage related to Cardiac Conditions or Stroke are limited to $15,00
 Life
AD&D help Members under age 18: Up to $5K lifetime maximum.
Members age 18-69: Up to $25K lifetime maximum.
Members age 70-74: Up to $12.5K 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: $25K
Economy: $5K Principal Sum
Basic: $5K Principal Sum
Silver: $7.5K Principal Sum
Gold: $7.5K Principal Sum
Platinum: $10K Principal Sum
Diamond: $5K Principal Sum
Diamond Plus: $5K Principal Sum
Common carrier AD&D help Up to $50K for ages 18 through 69
Up to $10K under age 18
Up to $25K for ages 70 through 74
Up to $12.5K for ages 75 and older
Maximum of $250K for any one family or group.
Economy: $25K Principal Sum
Basic: $25K Principal Sum
Silver: $35K Principal Sum
Gold: $35K Principal Sum
Platinum: $35K Principal Sum
Diamond: Not Available
Diamond Plus: Not Available
 Evacuation
Emergency medical evacuation help $1M lifetime maximum, except as provided under acute onset of pre-existing condition.
Economy: $100K per Policy Period
Basic: $100K per Policy Period
Silver: $100K per Policy Period
Gold: Unlimited
Platinum: Unlimited
Diamond: $50K per Policy Period and $25K/Lifetime Maximum for Acute Onset over age of 80
Diamond Plus: $50K per Policy Period and $25K/Lifetime Maximum for Acute Onset over age of 80
Emergency reunion help Up to $100K, maximum of 15 days (not subject to deductible or coinsurance) Not Available
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.
Economy: $7.5K per Policy Period
Basic: $7.5K per Policy Period
Silver: $10K per Policy Period
Gold: $20K per Policy Period
Platinum: $25K per Policy Period
Diamond: $7.5K per Policy Period
Diamond Plus: $7.5K per Policy Period
Return of minor children help Up to $50K (not subject to deductible or coinsurance).
Economy: $2,100 per day to a maximum of 10 days
Basic: $2.5K per day to a maximum of 8 days
Silver: $2.5K per day to a maximum of 8 days
Gold: $2.5K per day to a maximum of 8 days
Platinum: $4.5K per day to a maximum of 8 days
Diamond: $2,300 per day to a maximum of 8 days
Diamond Plus: $2,300 per day to a maximum of 8 days
Political evacuation and repatriation help Up to $100K lifetime maximum (not subject to deductible or coinsurance).
Economy: $500 per Policy Period
Basic: $500 per Policy Period
Silver: $500 per Policy Period
Gold: $500 per Policy Period
Platinum: $500 per Policy Period
Diamond: $500 per Policy Period
Diamond Plus: $500 per Policy Period
Natural disaster evacuation help Up to $250 a day for 5 days (not subject to deductible or coinsurance).
Economy: $5K per Policy Period
Basic: $5K per Policy Period
Silver: $7.5K per Policy Period
Gold: $7.5K per Policy Period
Platinum: $10K per Policy Period
Diamond: $5K per Policy Period
Diamond Plus: $5K per Policy Period
Trip interruption help Up to $10K (not subject to deductible or coinsurance). Not Available
Terrorism help Up to $50K lifetime maximum for eligible medical expenses only. Not Available
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.
  • It is a fixed benefit plan.
  • Acute onset of pre existing condition is covered up to 89 years.
  • Good provider network.
  • This elite plan has a $0 deductible.
 Travel Insurance
Underwriter Lloyds, London Zurich Insurance Europe AG Belgian branch
Rating help A++ (Superior) Standard & Poor's Rating: AA- “A (Excellent)”
Brochure and Details

Atlas Premium vs Safe Travels Elite Insurance Reviews

International tourists visiting USA must be aware of the rising health care cost for visitors to USA. Hospitalization with huge medical bills can be a nightmare without visitors health insurance. Many insurance providers offer different visitors insurance for tourists to the US. It is important to compare the popular visitor insurance before buying adequate travel medical insurance for USA.Here the visitor can compare US visitor insurance cost of Atlas Premium insurance and Safe Travels Elite insurance plans by reviewing their unique Visitors medical insurance benefits.

Atlas Premium vs Safe Travels Elite Insurance

Atlas premium Insurance is offered by WorldTrips with AM Best Rating: A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries.. It also has AM Best Rating: A++ (Superior) rating. Safe Travels Elite is offered by Trawick International and has an AM Best Rating of “A+”.

Factors for comparing WorldTrips and Trawick International insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Atlas Premium Safe travels elite visitors 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 Safe Travels Elite offers coverage up to $175K. 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 while Safe Travels Elite insurance has $0 deductible option up to age 69 years and $100 and $200 are available for age up to 89 years.

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 Visitor Insurance
  • Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
Safe Travels Elite Visitor Insurance
  • Coinsurance is not available

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, Safe Travels Elite insurance can be extended for a minimum of 5 days to 364 days.

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. Safe Travels Elite has some time restrictions in that it has to be bought within 30 days of arrival in the US.

07. Pre-existing conditions coverage

Atlas Premium pre-existing condition travel insurance
  • Covers up to 80 years
Safe Travels Elite pre-existing condition travel insurance
  • Covers up to 89 years

Pre-existing conditions coverage comparision

Pre-Existing FAQ's Atlas Premium Safe Travels Elite
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.

Benefits are payable for an Acute Onset of a Pre-Existing
Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event:
1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care;
2. occurs a minimum of 48 hours after the Effective Date of the Policy
3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

What types of pre-conditions are covered?
  1. Acute Onset of Pre-Existing Condition
  1. Acute Onset of Pre-Existing Condition
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 No look back period
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 80 Covered up to age 79
  • 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
  • Safe Travels Elite
  • Yes
  • Yes
  • Covers up to 79 years
  • Yes
  • Yes
  • $0
  • “A (Excellent)”
  • Yes
  • Zurich Insurance
  • Trawick International
  • Buy Now

Key Highlights

Atlas Premium vs Safe Travels Elite Travel Insurance - FAQs

  • Atlas Premium Insurance - FAQ's

    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 :

    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
  • Safe Travels Elite Insurance - FAQ's

    What are the different Trawick international insurance plans?

    Trawick International provides numerous insurance options for all types of travelers, including tourists, students studying abroad, business people and corporates, families and groups of travelers . Some of the different Trawick International Insurance plans are:


    What is the coverage area of Trawick international travel insurance?

    Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.


    How much does Trawick international travel insurance cost?

    The cost of the Trawick international insurance will vary depending on the age of the traveler, the type of coverage and the duration of travel. Typically, travel health insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers and those seeking coverage for pre-existing conditions.


    How do I purchase Trawick international travel medical Insurance?

    You can purchase Trawick international insurance on American Visitor Insurance at buy Safe Travels Elite. you can also call them at (877)-340-7910 to get more information on how to apply for Trawick international travel health insurance from licensed insurance agents.


    What are the requirements for purchasing Trawick international insurance?

    The main requirements for applying for Trawick international insurance is the travelers passport details and the travel dates. You can apply for Trawick international insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.


    How do I cancel a Safe Travels Elite Insurance from Trawick International?

    For Trawick International Travel insurance Policy Cancellation : If your travel insurance USA plan is cancelled you have to submit a written request to info@trawickinternational.com for cancellation and refund of your travel medical insurance premium cost.

    Cancellation before effective date:

    • A full refund would be considered

    Cancellation of the travel health insurance after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

    • If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
    • If no claims have been filed with the Company, then
      • a cancellation fee of US $25 will be charged;
      • only full month premiums will be considered as refundable;
    • If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

    What is the advantage of buying Safe Travels Elite?

    Safe Travels Elite Insurance is an affordable Covid19 travel insurance. Safe Travels Elite Insurance Covid19 travel insurance by Trawick International for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.


    Who is eligible to enrol in the Safe Travels Elite travel insurance plan by Trawick international?

    The Safe Travels Elite travel insurance plan by Trawick international is available for foreign residents visiting USA and worldwide and for travelers up to the age of 69 years


    Is there a Cancel for any reason insurance cover with Trawick International travel insurance?

    Cancel for any reason can be included at an additional cost with the Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans by Trawick International.


    Is Trawick International insurance a legit company?

    Trawick International insurance reviews indicate that for 24 years now, Trawick insurance has been offering high-quality and affordable travel insurance products to meet all categories of clients who travel outside of their home country. Trawick International reviews show that it has designed their products for those traveling to the USA, individuals traveling abroad, US Citizens traveling within the USA and non-US citizens traveling overseas but not visiting the USA.


    Can I purchase travel insurance from Trawick International?

    Trawick insurance is a leading travel insurance provider of USA and international travel insurance. Trawick insurance has been a reputed legitimate company for several years. Trawick International insurance is currently offering travel medical insurance worldwide.


    What cover does Trawick International offer in Covid travel insurance? Does Trawick covid insurance have Quarantine coverage for US travelers?

    Trawick International covid insurance is offered to cover coronavirus illness just like any other illness in their Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans. Trawick covid insurance coverage for quarantine related or accommodations due to a covered Trip Delay and an optional upgrade can also be included at an additional cost. The quarantine order should be based on the positive Covid-19 test report. Trawick international covid insurance quarantine coverage is not available in the home country.


    Why should I buy travel insurance from Trawick International?

    Trawick insurance offers worldwide coverage on medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance and several products aimed mainly for travelers to the USA, individuals traveling abroad, US Citizens for domestic travelers within the USA and non US citizens traveling overseas outside of their home country except USA.

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Review travel medical insurance - Blogs and articles

Atlas Premium Insurance

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 »

Safe Travel Elite Insurance

Safe Travels Elite offers Scheduled Benefits accident and sickness medical coverage, is a fixed benefit , cheap US visitor medical insurance plan. The plan is available to foreign travelers coming to the US.

Read more »

List of best visitors insurance companies in USA

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

List of best visitors insurance companies in USA

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