Review of Patriot America Plus vs Atlas America
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.
- FEATURES
- Cost*
- Coverage in USA?
- Parents/Seniors are eligible?
- Eligible for OPT students?
- Eligible for H1 B Visa holders?
- Covers Acute onset of Pre-existing?
- Eligible for Green card holders?
- Renewable and Cancellable?
- A.M. Best Rating
- Underwriter
- Insurance company
- Buy now
- Atlas America
- $78
- Yes
- Yes
- Yes
- Yes
- Yes, covers up to 79 years
- No
- Yes
- "A" Excellent
- Lloyds, London
- WorldTrips
- Buy Now
- Patriot America Plus
- $79
- Yes
- Yes
- Yes
- No
- Yes, covers up to 70 years
- Yes
- Yes
- "A" Excellent
- Sirius
- IMG
- Buy Now
Atlas America vs Patriot America Plus Insurance: A Quick Comparison
Atlas America Insurance
- Offers maximum coverage up to 2 million.
- Deductible options ranges from $0 to $5,000.
- Covers pre-existing condition up to 79 years.
- Renewable for up to 364 days.
- $25 cancellation fee after the effective date.
- Complications of pregnancy in the first 26 weeks of gestation.
- Eligible for Non-US Citizens traveling outside their home country.
- Covers injuries and illnesses from popular vacation sports at no extra cost.
- local_hospital
Provider Network
- dentistry
Dental Treatment
Up to $300 - ambulance
Emergency Medical Evacuation
Up to $1,000,000 lifetime maximum - medical_services
Urgent Care Clinic
$15 copay - airplanemode_inactive
Trip Interruption
Up to $10,000 - shopping_cartBuy Now
Patriot America Plus Insurance
- Offers maximum coverage up to 1 million.
- Deductible options ranges from $0 to $2,500.
- Acute on set of pre-existing conditions covered up to 70 years.
- Renewable for up to 2 years.
- $50 cancellation fee after the effective date.
- Available for Non US residents traveling to USA.
- Adventure sports coverage is available as optional rider up to the age of 65 years.
- local_hospital
Provider Network
- medical_services
Urgent Care Clinic
Up to $300 - ambulance
Emergency Medical Evacuation
Up to $1,000,000 - pets
Pet Return
$1,000 maximum limit - shopping_cartBuy Now
How much does Atlas America vs Patriot America Plus insurance cost per month?
Both Patriot America Plus and Atlas 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 America and Patriot America Plus plans.
Atlas America vs Patriot America Plus Travel Insurance - FAQs
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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.
How much does Atlas america travel insurance cost?The Worldtrips Atlas America insurance for visitors cost 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.
Why should I buy travel insurance from WorldTrips insurance?World trips 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.
Can visitors to USA buy Atlas America insurance who are already in USA for quite some time?Yes, Atlas America insurance is a good option for visitors to US who have been here for some time and do not have a current insurance coverage. It is also an excellent plan for international students who are on the OPT status, H1B visa holders and for Spouses of H1B visa holders on the H4 visa status.
Does Atlas America insurance offer coverage for sports?Atlas America covers eligible injuries and illness incurred while taking part in many popular vacation sports - skiing, snowboarding, snorkelling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.
Does Atlas America offer coverage for maternity?Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.
Can I extend my medical coverage from Atlas America insurance if I want to extend my duration of stay in USA?Yes, US Visitors who had initially bought for less than 364 days can renew Atlas America insurance online up to 364 days.
Does Atlas America insurance cover pre-existing conditions?Atlas America pre existing conditions insurance that offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It excludes coverage for chronic and congenital conditions. For visitors aged up to 70 years, it offers coverage up to overall maximum limit. Visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100,000, whichever is lower.
How to use Atlas America visitor medical insurance in case of emergency in the United states?Visitors can review this article on how to use Atlas America visitor medical insurance in case of emergency in the United States.
Is Atlas America insurance available for extended-stay foreign visitors to the United States?If you’ve been in the U.S. for some time without insurance, Atlas America is an excellent option. It’s especially beneficial for OPT-eligible international students, H1B visa holders, and H4-eligible spouses of H1B workers.
Does the Atlas America plan cover 100% outside PPO. Does it cover outside the United States and pay100% inside and outside PPO?The Atlas America plan covers 100% of the expenses outside PPO. Yes, it provides worldwide coverage including and excluding USA.
What are the US state and country restrictions to buy Atlas America Visitors Insurance plan?The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
What is Atlas International InsuranceAtlas 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.
Does Atlas International offers coverage for pre-existing 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.
How does Atlas America insurance offer coverage for medical expenses?Atlas America insurance offers comprehensive coverage for visitors to USA. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “First Health care network or United health care.”. When Traveling Outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Atlas America insurance pays 100% up to maximum limit. For detailed working example of how it works, you can review Atlas America insurance working example.
Does Atlas America insurance satisfy US visa requirements?As a visitor to the United States, you will need to have a visa issued in your passport to be allowed in to country. You can find out whether or not you need a US visa by reviewing the visa waiver program list of countries by the US government. The type of visa that you need will be based on the reason of your travel to the US. Atlas America insurance offered by WorldTrips works ideally for visitors to the US applying for any of these visas.
Some of the common US visas are:
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What is acute onset of pre-existing condition?Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
Is IMG travel insurance legit? Is IMG a real insurance company?International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.
Can I buy Patriot America Plus insurance after my arrival in the US?Yes, the Patriot America Plus insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.
Does Patriot America Plus Insurance cover pre-existing conditions?Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
How does Patriot America Plus insurance offer coverage for medical expenses?Patriot America Plus insurance works well for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, then after the deductible amount, Patriot America Plus insurance pays 100% of the eligible expenses. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Plus insurance would pay 80% of eligible expenses up to $5K, then 100% up to the maximum limit.
For detailed working example of how it works, you can review Patriot America Plus insurance working example.
Can US citizens buy Patriot America Plus insurance?Patriot America Plus Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Plus insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.
How can one use Patriot America Plus visitor medical insurance in case of emergency in USA?Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.
I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Plus insurance?Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.
Does IMG sell Cancel for Any Reason Insurance?Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
What does IMG insurance stand for?International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.
Is IMG a good travel insurance company?International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
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