Compare Liaison Travel Choice vs Atlas Premium Travel insurance plans

These are popular visitor insurance plans for international travel. Compare price and benefits to find the best plan for your needs.


Liaison Travel Choice vs Atlas Premium Travel (Seven Corners vs Tokio Marine HCC)

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Liaison Travel Choice
Plan Maximum
Deductible
Atlas Premium America
Plan Maximum
Deductible
Seven corners Tokio Marine HCC
  Brochure & Details links
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  Details
  Reviews
  Atlas Premium Brochure
  Atlas Premium Details
  Atlas Premium Reviews
  Medical Maximum Options
Worldwide including US
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: $50,000
Ages 80+: $15,000

Worldwide excluding US
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: $50,000, $100,000
Ages 80+: $15,000
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.
  Deductible Options
$0, $100, $250, $500, $1,000, $2,500 or $5,000 $0, $100, $250, $500, $1,000, $2,500, or $5,000
  Acute Onset of Pre-existing Condition
  • Non-United States Residents in the United States
    • Acute Onset of a Pre-existing Condition up to age 69 years: $30,000
    • Up to age 70 and above: $5,000
  • United States Residents outside the United States
    • Waiver of Pre-existing Condition up to age 69 years: $50,000
    • Up to age 70 and above: $10,000
  • Emergency services & assistance limit $25,000
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
Coverage in USA
  • In PPO - The plan pays 90% of the first $5,000, then 100% to the medical maximum.
  • Outside PPO - The plan pays 80% of the first $5,000, then 100% to the medical maximum.

Coverage outside US
Plan pays 100% of eligible expenses.
Coverage in USA
  • In PPO - The Plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
  • Outside PPO - Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

Coverage outside US
The Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.

  Hospital Room and Board
Usual, Reasonable and Customary to medical maximum. Average semi-private room rate, including nursing services.
  Local Ambulance
Up to $10,000 Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient
  Hospital Indemnity
Up to $150 per night to a maximum of 30 days (per occurrence) (outside the United States & Canada). $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
  Terrorism
Up to $50,000 maximum limit. Up to $50,000 lifetime maximum, eligible medical expenses only.
  Emergency Dental (not subject to deductible or coinsurance)
Up to $200 for sudden relief of pain.
Dental Accident - Up to $5,000
Up to $300. Not subject to deductible.
  Emergency Medical Evacuation
Up to $500,000 maximum limit (in addition to medical maximum). Up to $1,000,000 lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition.
  Accidental death & dismemberment
Up to $25,000 for a primary insured & travel companion
Up to $5,000 for a child.
Aggregate limit of $250,000 for total number of insureds on plan.
Under age 18 years - Up to $5,000 lifetime maximum
18 to 69 years - Up to $100,000 lifetime maximum
70 to 74 years - Up to $12,500 lifetime maximum
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
Up to $50,000 Up to $50,000 (not subject to deductible or coinsurance).
  Repatriation of Remains
Return of Mortal Remains: $50,000
Local Burial / Cremation: $5,000
Up to the overall maximum limit (not subject to deductible or coinsurance).
  Emergency Reunion
Up to $200 per day / $50,000 maximum. Up to $150,000, subject to a maximum of 15 days (not subject to deductible or coinsurance).
  Trip Interruption
Up to $5,000 maximum limit. Up to $15,000 (not subject to deductible or coinsurance).
  Trip Delay (2 days maximum. Not subject to deductible or coinsurance)
Not Applicable Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay.
  Political Evacuation
$50,000 maximum limit Up to $150,000 lifetime maximum. (not subject to deductible or coinsurance).
  Natural Disaster
Daily Benefit: Up to $100 a day for 5 days
Natural Disaster Evacuation: Up to $50,000 maximum (not subject to deductible or coinsurance).
Replacement Accommodations: Up to $500 a day for 5 days
Natural Disaster Evacuation: Up to $10,000 maximum (not subject to deductible or coinsurance).
  Personal Liability
Up to $50,000
  • Up to $100,000 lifetime maximum
  • Up to $100,000 third person injury
  • Up to $100,000 third person property
  • Up to $2,500 related third person property

Compare Liaison Travel Choice vs Atlas Premium Travel insurance

Travelling to the US without American visitor medical insurance can be very risky. Travelling involves uncertain situations and emergencies like sudden sickness or injuries due to accidents, trip delay, loss of passport and much more… by which you can get stranded with huge medical bills and financial losses. Many of you are aware of the high health care cost for visitors to US and the expenses arising from hospitalization can be traumatic. There are top rated insurance providers who offer a wide range of visitors insurance that is available online and it is important to choose 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 Premium insurance and Liaison Travel Choice insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness. 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. Atlas Premium insurance is administered by Tokio Marine HCC Medical insurances services with AM Best Rating: A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries. Liaison Travel 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.

What are the factors to consider while comparing Atlas Travel Premium insurance and Liaison Travel Choice insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas Premium insurance and Liaison Travel Choice insurance:
  • Plan Maximum coverage:
    This is the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million and Liaison Travel Choice insurance offers coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum. Atlas Premium offers $20,000 maximum for older travelers above 80 years while Liaison Travel Choice insurance offers $15,000 maximum for older travelers above 80 years.
  • What is a deductible in visitors 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 Liaison Travel Choice insurance both offer a set of deductible options for the travelers to choose from. Atlas Premium insurance and Liaison Travel Choice Insurance have a range of deductible option from $0 up to $5,000.
  • What is a 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.
  • What is coinsurance in visitor insurance?
    This is a percentage of the bill that the travel has to pay. Atlas Premium plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Liaison Travel Choice Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and it pays 100% within provider network.
  • Renewability of US Travel health Insurance
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas Premium Insurance and Liaison Travel Choice Insurance can be renewed up to a total of 364 days.s
  • Eligibility for US visitors insurance
    Both these US visitor insurance plans offer comprehensive medical coverage to travelers outside their home country.
  • Pre-existing conditions US visitors medical insurance coverage
    Atlas Premium insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Liaison Travel Choice Insurance offers coverage of $30,000 for travelers up to 69 years and $5,000 for travelers aged 70 years & over.



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