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Atlas America Insurance vs Patriot America Plus Insurance

Compare travel insurance benefits offered by Atlas America insurance and Patriot America Plus Insurance plans. These two US travel insurance plans 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.

How much does visitor health insurance USA cost?

Compare Atlas america insurance vs patriot america plus cost

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  Atlas Travel Insurance   
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 Patriot Travel Insurance 
Atlas America
Plan Maximum
Deductible
Covers Covid19 illness
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Patriot America Plus
Plan Maximum
Deductible
Covid19/Pre-existing
Covers covid19 illness
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Insurance Providers
Coinsurance Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. In-network: The plan pays 100%
Out-of-network: IMG pays 80% up to $5k, then 100%.
Length of Coverage Minimum : 5 days
Maximum : 364 days		 5 days up to 12 months
Renewability Yes : Up to 364 days Yes : Up to 24 months
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services
Intensive care unit Up to the overall maximum limit Up to the overall maximum limit
Hospital indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Urgent Care Clinic 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.		 $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay
 Emergency Services
Emergency local ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Covered
Hospital emergency room 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)		 Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
 Dental
Emergency dental treatment Up to $300 (not subject to deductible or coinsurance). $300 maximum limit due to accident or unexpected pain to sound natural teeth
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions Under 80 years of age,covers up to overall maximum limit. covers up to $25k lifetime maximum (excludes chronic and congenital conditions)
Patriot America Lite: Not Covered
Under 70 years of age,with varying limits by age up to $1M. $25k maximum limit for medical evacuation.
 Life
AD&D 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		 $50k principal sum.
Common carrier AD&D 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.		 $25k per insured child, $100k per insured adult, $250k maximum limit per family. Not subject to deductible
 Evacuation
Emergency medical evacuation Up to $100k, maximum of 15 days (not subject to deductible or coinsurance) Up to the Maximum Limit
Emergency reunion Up to $100k, maximum of 15 days (not subject to deductible or coinsurance) $100k maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children Up to $50k (not subject to deductible or coinsurance). $100k maximum limit. Not subject to deductible
Political evacuation and repatriation Up to $100k lifetime maximum (not subject to deductible or coinsurance). $100k maximum limit. Not subject to deductible
Natural disaster evacuation Up to $250 a day for 5 days (not subject to deductible or coinsurance). $25k maximum limit. Not subject to deductible (Must be approved in advance by the company)
Trip interruption Up to $10k (not subject to deductible or coinsurance). $10k maximum limit. Not subject to deductible
Terrorism Up to $50k lifetime maximum for eligible medical expenses only. $50k maximum limit. Not subject to deductible
Unique Advantages
  • Atlas America Insurance is designed for travelers on H1B/H4 visa holders or students on OPT status.
  • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
  • Optional coverage for adventure sports with purchase of the rider.
  • It is a comprehensive benefit plan.
  • Optional coverage for Enhanced AD&D rider.
  • Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
 Travel Insurance
US Network of hospitals and doctors » US PPO Network » US PPO Network
International Network of hospitals and doctors » International PPO Network » International PPO Network
Underwriter Lloyd's Sirius International Insurance Corporation
Rating A++ (Superior)
Standard & Poor’s Rating: AA-		 "A" (Excellent)
Brochure and Details
Best ways to travel abroad

Patriot America Plus Insurance vs Atlas America Insurance

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.

Factors for comparing Atlas America and Patriot America Plus reviews

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Atlas America travel insurance vs Patriot America Plus travel insurance:

Compare medical maximum coverage:

This the maximum coverage expense that the plan would offer for the medical expenses. Atlas America offers maximum coverage up to 2 million, while Patriot America Plus offers maximum coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.

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 America insurance has deductible options from $0 up to $5k. While Patriot America Plus insurance have a range of deductible option from $0 up to $250

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.

Compare coinsurance options:

Atlas America insurance

  • plan pays 100%
Patriot America Plus insurance
  • In PPO Network:
    • The plan pays 100%
  • Out of PPO Network:
    • The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

Contrast the renewability options:

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas America insurance can be renewed for 364 days, While Patriot America Plus Insurance can be renewed up to 2 years

Compare eligibility options:

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas America insurance is quite popular among h1b/ h4 visa holders and students on opt status as it has not limitation on buying insurance if they are already in the US for quite some time. Patriot America Plus Insurance US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.

Acute onset of Pre-existing conditions coverage:

Atlas America insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions.

  • FEATURES
  • Eligible Plan for USA Coverage
  • Parents Eligible to be insured
  • Acute on set of Pre-existing Cover
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Atlas America
  • Yes
  • Yes
  • Yes, covers up to 80 years
  • Yes
  • $0 to $250
  • "A" Excellent
  • Yes
  • Lloyds, London.
  • WorldTrips
  • Buy Now
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Atlas vs Patriot Travel Insurance - FAQs

  • Atlas America 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.
    Is there coverage for Covid-19 illness in WorldTrips travel insurance?
    WorldTrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. 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.
    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.
    What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?
    WorldTrips covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority. Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.
    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 is a best travel insurance 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.
    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 Insurance

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

  • Patriot Travel Insurance - FAQ's

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    What are the benefits of Patriot International Lite insurance?

    Patriot International Lite Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories.

    Patriot International Lite insurance provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan can be renewable up to 2 years.

    What is the coverage area of Patriot International Lite insurance?

    Patriot International Lite provides people outside their home country whose destination excludes the United States or its territories.

    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.

    Does Patriot America Plus insurance cover Covid ? Does Patriot America Plus insurance cover Coronavirus?

    Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

    Can I buy Patriot America Plus insurance after my arrival in the US?

    Yes, the Patriot America 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 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.

    How does Patriot America Lite insurance provider offer coverage for medical expenses?

    Patriot America Lite insurance works 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”, after the deductible amount, Patriot America Lite 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 Lite 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 Lite insurance working example

    Can US citizens buy Patriot America Lite insurance?

    Patriot America Lite Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Lite 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.

    Does IMG travel insurance cover Covid?

    Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

    How can one use Patriot America Lite visitor medical insurance in case of emergency in USA?

    Travelers can review this article on how to use Patriot America Lite visitor medical insurance in case of emergency in USA.

    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.

Compare Travel health insurance USA

Review WorldTrips Atlas America Online

Compare WorldTrips travel insurance of Atlas America for specific benefit limits for different covered medical expenses.

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IMG Patriot America Plus travel insurance

We also offer IMG Patriot America Plus international travel insurance plans and can compare and buy online.

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Atlas America Insurance forum

Forum about Atlas Travel Insurance Policy Discussions, Atlas Travel Insurance for H4 visa holders.

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Review travel medical insurance plans - Blogs and articles

Atlas Insurance plans

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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Patriot insurance plans

Travel with one of the (IMG) Patriot travel insurance plans so that you can spend more time enjoying your international experience and less time worrying about your medical coverage.

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US visitors insurance providers

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.

US visitors insurance providers


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