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Atlas America vs Patriot America – which Travel Insurance Plan is better?

Compare travel insurance benefits offered by Atlas America insurance and Patriot America Plus Insurance These two plans are comprehensive benefit visitor insurance plans for US 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.

Atlas America vs Patriot America Plus insurance cost calculator

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Atlas Travel vs Patriot Travel
Atlas America
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Patriot America Plus
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 Patriot America Plus vs Atlas America Insurance benefits
Insurance Providers help
Coinsurance help 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 help 5 days up to 12 months 5 days up to 12 months
Renewability help Yes : Up to 364 days Yes : Up to 24 months
 Medical Benefits
Hospital room and board help Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services
Intensive care unit help Up to the overall maximum limit Up to the overall maximum limit
Hospital indemnity help $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 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.		 $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay
 Emergency Services
Emergency local ambulance help URC 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)		 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 help 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 help 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 help Under age 18: Up to $5k lifetime max.
Under age 18-69: Up to $25k lifetime max.
Under age 70-74: Up to $12.5k lifetime max.
Under age 75 and older: Up to $6,250 lifetime max.
$250k maximum benefit any one family or group.
AD&D buy up: $25k		 $50k 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.		 $25k per insured child, $100k per insured adult, $250k maximum limit per family. Not subject to deductible
 Evacuation
Emergency medical evacuation help Up to $100k, maximum of 15 days (not subject to deductible or coinsurance) Up to the Maximum Limit
Emergency reunion help 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 help 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 help Up to $50k (not subject to deductible or coinsurance). $100k maximum limit. Not subject to deductible
Political evacuation and repatriation help Up to $100k lifetime maximum (not subject to deductible or coinsurance). $100k maximum limit. Not subject to deductible
Natural disaster evacuation help 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 help Up to $10k (not subject to deductible or coinsurance). $10k maximum limit. Not subject to deductible
Terrorism help 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 help A++ (Superior)
Standard & Poor’s Rating: AA-		 "A" (Excellent)
Brochure and Details

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.

atlas america vs patriot america lite insurance

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?
  • Policy Maximum
  • Deductible Options
  • A.M. Best Rating
  • Underwriter
  • Insurance company
  • Buy now
  • Atlas America
  • $78
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes, covers up to 79 years
  • No
  • Yes
  • $50,000 to $2,000,000
  • $0 to $250
  • "A" Excellent
  • Lloyds, London
  • WorldTrips
  • Buy Now
  • Patriot America Plus
  • $79
  • Yes
  • Yes
  • Yes
  • No
  • Yes, covers up to 70 years
  • Yes
  • Yes
  • $50,000 to $1,000,000
  • $0 to $2,500
  • "A" Excellent
  • Sirius
  • IMG
  • Buy Now
*Cost for 45 years traveler; $50,000 maximum coverage; $250 deductible.

What should you look out for when deciding between Atlas America vs Patriot America Plus insurance?

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:

1. Policy maximum

  • Atlas America offers maximum coverage up to 2 million.
  • Patriot America Plus offers maximum coverage up to 1 million.
  • The coverage may vary for older travelers with reduced plan maximum.

2. Deductible options

  • Higher deductible have less premium than a plan with lower deductible.
  • Atlas America insurance has deductible options from $0 up to $5k.
  • Patriot America Plus insurance have a range of deductible option from $0 up to $2,500.

3. Provider network

It is a network of health care providers. Insurance companies form these in order to control the costs of health care. 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.

4. Coinsurance

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

5. Renewability

  • Atlas America insurance can be renewed for 364 days.
  • Patriot America Plus Insurance can be renewed up to 2 years.

6. Eligibility

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 is popular among 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.

7. Pre-existing conditions

Atlas America pre-existing condition travel insurance
  • Covers up to 79 years
Patriot America Plus pre-existing condition travel insurance
  • Covers up to 70 years

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
Travelers Age Maximum $50K Maximum $100K
40 - 49 $78 $96
50 - 59 $131 $161
60 - 64 $177 $226
65 - 69 $206 $258
70 - 79 $356 $444
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Patriot America Plus
Travelers Age Maximum $50K Maximum $100K
40 - 49 $79 $99
50 - 59 $130 $163
60 - 64 $151 $198
65 - 69 $173 $222
70 - 79 $234 N/A
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Key Highlights

Atlas America vs Patriot America Plus Travel Insurance - FAQs

  • Atlas America Travel Insurance - FAQ's

    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 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 America Travel Insurance - FAQ's

    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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Review travel medical insurance - Blogs and articles

Atlas America 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.

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Patriot America Plus Insurance

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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Which are the best travel 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.

Which are the best visitors insurance companies in USA?

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