Atlas America insurance vs Travel Medical Choice insurance. World Trips vs Seven Corners travel insurance

Compare Travel Plans Atlas America vs Travel Medical Choice	Atlas America Plan Maximum Deductible Buy Now	Travel Medical Choice Plan Maximum Deductible Buy Now
Atlas America vs Travel Medical Choice insurance benefits
Insurance Providers help
Medical Maximum Options help	Worldwide including US Age 14 days to 69: $50k, $100k, $250k, $500k, $1M or $2M Ages 70-79: $50k, $100k or $150k Ages 80+: $10k Worldwide excluding US Age 14 days to 69: $50k, $100k, $250k, $500k, $1M or $2M Ages 70-79: $50k, $100k or $150k Ages 80+: $10k	Age 14 days to 69: $50k, $100k, $500k, $1M Ages 70-79: $50k, $100k 80 years and older: $10k
Deductible Options help	$0, $100, $250, $500, $1k, $2.5k or $5k	$0; $100; $250: $500; $1k, $5k
Coinsurance help	Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.	Coverage in USA In PPO - The plan pays 100%. Outside PPO - The plan pays 90% of the first $5k, then 100% to the medical maximum.
Length of Coverage help	Minimum : 5 days Maximum : 364 days	Minimum: 5 days Maximum: 364 days
Renewability help	Yes : Up to 364 days	Yes. If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. $5 administrative fee is charged for each renewal.
Medical Benefits
Hospital room and board help	Average semi-private room rate up to the maximum limit. Includes nursing service	URC to medical maximum
Hospital indemnity help	$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).	$150 per overnight inpatient confinement, maximum limit of 30 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.	URC to medical maximum $20 copay
Emergency Services
Emergency local ambulance help	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.	$10,000
Dental
Emergency dental treatment help	Up to $300 (not subject to deductible or coinsurance).	$500 for accident and $200 for sudden relief of pain
Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions help	Covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions)	With Cardiac Condition and/or Stroke: Ages 14 days to 69 years: $50,000 Ages 70 to 79 years: $5,000 Other than Cardiac Condition and/or Stroke: Ages 14 days to 69 years: $75,000 Ages 70 to 79 years: $7,500
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 $6.25k lifetime max. $250k maximum benefit any one family or group. AD&D buy up: $25k	Under age 18: Up to $5,000 principal sum Under age 19-80: $25,000 principal sum $250,000 aggregate limit per total insureds on plan
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.	Under age 18: Up to $10,000 principal sum Under age 19-80:: $50,000 principal sum $250,000 aggregate limit per total insureds on plan
Evacuation
Emergency medical evacuation help	$1M lifetime maximum, except as provided under acute onset of pre-existing condition.	Up to $500k
Emergency reunion help	Up to $100k, maximum of 15 days (not subject to deductible or coinsurance)	$200 per day, 10-day limit $100k maximum
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 $50k
Return of minor children help	Up to $50k (not subject to deductible or coinsurance).	$50k maximum limit. Not subject to deductible
Political evacuation and repatriation help	Up to $100k lifetime maximum (not subject to deductible or coinsurance).	$10k
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
Trip interruption help	Up to $10k (not subject to deductible or coinsurance).	$5k maximum limit. Not subject to deductible
Terrorism help	Up to $50k lifetime maximum for eligible medical expenses only.	$25k 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.	Best for American Expatriates visiting the US. Optional coverage for hazardous sports.
Travel Insurance
Underwriter	Lloyd's	For Including USA Underwritten by Crum & Forster SPC For Excluding USA Underwriters at Lloyd’s, London
Rating help	A++ (Superior) Standard & Poor’s Rating: AA-	"A" (Excellent)
US Network of hospitals and doctors	» US PPO Network	» US PPO Network
International Network of hospitals and doctors	» International PPO Network	» International PPO Network
Brochure and Details	» Atlas America Brochure » Atlas America Details » Atlas America Reviews	» Travel Medical Choice Brochure » Travel Medical Choice Details » Travel Medical Choice Reviews

Atlas America vs Travel Medical Choice Insurance Reviews

Visiting USA can be wonderful but it involves high travel and health risks and situations like sudden sickness or accident may arise. Many of you are aware of the high health care cost for visitors to US and the expense arising from hospitalization can be traumatic without US visitor medical insurance. Many top rate insurance providers offer a wide range of visitors insurance that is available online and it is important to choose the best travel health insurance for USA. 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.

Here the visitor can compare US visitor insurance cost of different travel insurance plans, in particular US travel health insurance plans like Atlas America insurance and Travel Medical Choice insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness. Atlas America insurance is administered by World Trips with AM Best Rating: A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries. Travel Medical Choice Insurance is offered by Seven Corners with AM Best Rating: "A" (Excellent) rating and has been offering excellent international health insurance since 19 years.

Factors for comparing WorldTrips and Seven Corners travel insurance

Following are some of the important factor sthat an international tourist should consider while comparing among Atlas America insurance and Travel Medical Choice insurance:

01. Compare medical maximum coverage

This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million and Travel Medical Choice insurance offers coverage up to 1 million. 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. Atlas America insurance and Travel Medical Choice insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance and Travel Medical Choice Insurance have a range of deductible option from $0 up to $5k.

03. Compare 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.

04. Compare coinsurance options

Atlas America Visitor insurance

Plan pays 100%

Travel Medical Choice Visitor Insurance

In PPO network: The plan pays 100%
Out PPO network: 90% of the first $5k, then 100% to the medical maximum.

05. Contrast the renewability options

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. both Atlas America and Travel Medical Choice insurance can be renewed up to a total of 364 days.

06. Compare eligibility options

Both 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 while Travel medical choice is available for coverage for non-U.S. Residents and non-U.S. Citizens travelling to USA.

07. Pre-existing conditions coverage

Atlas America pre-existing condition travel insurance

Covers up to 79 years

Travel Medical Choice pre-existing condition travel insurance

Covers up to 79 years

Pre-existing conditions coverage comparision

Pre-Existing FAQ's	Atlas America	Travel Medical Choice
What is a Pre-Existing Condition definition?	Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met: The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence. You must be under eighty (80) years of age; You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; You must be traveling outside your home country	With Cardiac Condition and/or Stroke: Ages 14 days to 69 years: $50k Ages 70 to 79 years: $5k Other than Cardiac Condition and/or Stroke: Ages 14 days to 69 years: $75k Ages 70 to 79 years: $7,500
What types of pre-conditions are covered?	Acute Onset of Pre-Existing Condition Sudden and unexpected outbreak or recurrence	Cardiac Condition and/or Stroke 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?	2 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage	For travelers traveling outside USA, 12 months pre-existing conditions are not covered prior to the start of insurance coverage
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 79	Covered up to age 79

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 79 years
Yes
$0 to $250
"A" Excellent
Yes
Lloyds, London
WorldTrips
Buy Now

Travel Medical Choice
Yes
Yes
Yes, covers up to 79 years
Yes
$0 to $5k
"A" Excellent
Yes
Crum & Forster SPC
Seven Corners
Buy Now

Key Highlights