Tokio Marine HCC

Compare Atlas Travel Insurance vs Atlas Premium Travel Insurance

Compare travel insurance benefits offered by Atlas America Insurance and Atlas Premium Travel 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.


Atlas Travel vs Atlas Premium (Tokio Marine HCC)

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Atlas America
Plan Maximum
Deductible
Atlas Premium America
Plan Maximum
Deductible
brochure  Brochure & Details links
» Atlas America Insurance Brochure
» Atlas America Insurance Details
» Atlas America Insurance Reviews
» Atlas Premium Insurance Brochure
» Atlas Premium Insurance Details
» Atlas Premium Insurance Reviews
file  Underwriter
Atlas America Insurance Underwriter
Underwritten by Lloyds, London
Atlas Premium Insurance Underwriter
Underwritten by Lloyds, London
Best Rating  Rating
Atlas America Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Atlas Premium Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
coverage  Medical Maximum Options
Age 80 or older - $10,000; Age 70 to 79 - $50,000, $100,000, or $250,000; All others - $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000. Age 80 or older - $20,000; Age 70 to 79 - $50,000, $100,000, or $250,000; All others - $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000.
coverage  Deductible Options
$0, $100, $250, $500, $1,000, $2,500 or $5,000 $0, $100, $250, $500, $1,000, $2,500, or $5,000
brochure  Acute Onset of Pre-existing Condition
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
coinsurance  Coinsurance
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.
Hospital Room and Board  Hospital Room and Board
Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services.
accident  Local Ambulance
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient
Hospital Indemnity  Hospital Indemnity
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
accident  Terrorism
Up to $50,000 lifetime maximum for eligible medical expenses only. Up to $50,000 lifetime maximum, eligible medical expenses only.
Emergency Dental  Emergency Dental (acute onset of pain)
Up to $300 (not subject to deductible or coinsurance). Up to $300 (not subject to deductible or coinsurance).
Emergency Medical evacuation  Emergency Medical Evacuation
$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. Up to $1,000,000 lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition.
Not subject to deductible or overall maximum limit
Return of Minor Children  Accidental death & dismemberment
Under age 18 years - Up to $5,000; 18 to 69 years - Up to $50,000; 70 to 74 years - Up to $12,500; 75 and older - Up to $6,250 lifetime maximum; $250,000 maximum benefit any one family or group(not subject to deductible or coinsurance). Under age 18 years - Up to $5,000; 18 to 69 years - Up to $100,000; 70 to 74 years - Up to $12,500; 75 and older - Up to $6,250 lifetime maximum; $250,000 maximum benefit any one family or group (Excludes loss due to common carrier accident)
Return of Minor Children  Return of Minor Children
Up to $50,000 (not subject to deductible or coinsurance). Up to $50,000 (not subject to deductible or coinsurance).
Repatriation of Remains  Repatriation of Remains
Up to the overall maximum limit (not subject to deductible or coinsurance). Up to the overall maximum limit (not subject to deductible or coinsurance).
Emergency Reunion  Emergency Reunion
Up to $100,000, subject to a maximum of 15 days (not subject to deductible or coinsurance). Up to $150,000, subject to a maximum of 15 days (not subject to deductible or coinsurance).
Trip Interruption  Trip Interruption
Up to $10,000 (not subject to deductible or coinsurance) Up to $15,000 (not subject to deductible or coinsurance)
Trip Delay  Trip Delay
Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance). Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay(2 days maximum. Not subject to deductible or coinsurance).
Political evacuation  Political Evacuation
Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). Up to $150,000 lifetime maximum. (not subject to deductible or coinsurance).
Natural disaster  Natural Disaster - Replacement Accommodations
Up to $250 a day for 5 days (not subject to deductible or coinsurance). Up to $500 a day for 5 days (not subject to deductible or coinsurance).
personal liability  Optional Personal Liability Rider
Up to $75,000 lifetime maximum - not subject to deductible or overall maximum limit. -
unique  Unique Advantages
Atlas Travel Insurance Advantages:
  • Atlas America Insurance is best for travelers on H1B/H4 visa holders or students on OPT status.
  • Adventure sports coverage is included.
  • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
Atlas Premium Insurance Advantages:
  • Atlas Premium provides coverage with higher benefit limits.
  • It is ideal for shorter trip or you are seeking more extensive coverage as you travel abroad.

Compare Atlas America Insurance and Atlas Premium Insurance

International travel involves high risks and uncertainties. A sudden mishap like sickness or accidental injuries which results in hospitalization can lead to a big financial loss. Travel risks include trip interruption, trip delay, trip cancellation, loss of baggage, loss of passport, emergency evacuation and more. In destinations like the US where the health care is sophisticated and extremely high. The travelers to the US must buy good and adequate Visitor medical insurance which would cover most of the expenses. TokioMarine HCC medical insurance services offer Atlas travel insurance which is quite popular among International tourists to USA. TokioMarine HCCMIS Atlas Travel Insurance ratings by AM Best Rating is A++ (Superior).

Atlas America Insurance and Atlas Premium Insurance are the two best visitors insurance for USA. Atlas Premium insurance offers high end coverage for travelers looking for extensive coverage.
Atlas Premium insurance offers higher plan maximum of $20,000 visitor insurance for older travelers above 89 years while Atlas America offers coverage of $10,000 for seniors overs 80 years.
Atlas premium also offers better coverage of Accidental death and dismemberment lifetime maximum of $100,000, personal liability lifetime maximum of $100,000 and Crisis response of $100,000 per certificate period.

What are the factors to consider while comparing Atlas America Insurance and Atlas Premium Insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas America Insurance and Atlas Premium Insurance:
  • Compare visitor medical insurance maximum coverage between Atlas America Insurance and Atlas Premium Insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million and Atlas Premium Insurance offers coverage up to 2 million. Atlas Premium offers $20,000 maximum for older travelers above 80 years while Atlas America Insurance offers $10,000 maximum for older travelers above 80 years.
  • Compare visitors health insurance deductible options between Atlas America Insurance and Atlas Premium Insurance:
    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 Atlas Premium Insurance both offer a set of deductible options for the travelers to choose from. Atlas America insurance and Atlas Premium Insurance Insurance have a range of deductible option from $0 up to $5,000.
  • Compare travel medical insurance provider network for Atlas America Insurance and Atlas Premium Insurance:
    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.
  • Compare travel insurance coinsurance options for Atlas America Insurance and Atlas Premium Insurance:
    This is a percentage of the bill that the travel has to pay. Atlas America and Atlas Premium plans pays 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Contrast the travel health Insurance renewability options for Atlas America Insurance and Atlas Premium Insurance:
    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 Atlas Premium Insurance also can be renewed up to a total of 364 days.
  • Compare eligibility options of US visitors travel insurance for Atlas America Insurance and Atlas Premium Insurance:
    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.
  • Compare visitors insurance Pre-existing conditions coverage for Atlas America Insurance and Atlas Premium Insurance:
    Atlas America Insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Atlas Premium Insurance also offers coverage for acute onset of pre-existing conditions up to the age of 79 years.


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