Compare Liaison Travel Choice vs Atlas Premium Travel insurance plans

Compare travel insurance benefits offered by Liaison Travel Choice 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.


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

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Liaison Travel Plus
Plan Maximum
Deductible
COVID19 Coverage
Atlas Premium America
Plan Maximum
Deductible
Atlas Travel Insurance covers covid19 illness
Seven corners Tokio Marine HCC
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Coronavirus coverage
Patriot America Plus Insurance covers usual, Reasonable, and Customary up to medical maximum or $100,000; whichever is less. Not Available Atlas Premium Insurance covers eligible costs related to COVID-19.
Underwriter
Liaison Travel Plus Insurance Underwriter
Certain Underwriters at Lloyd's of London
Liaison Travel Choice Insurance Underwriter
Certain Underwriters at Lloyd's of London
Atlas Premium Insurance Underwriter
Certain Underwriters at Lloyd's of London
Rating
Liaison Travel Plus Insurance Rating
AM Best Rating: "A" (Excellent)
Liaison Travel Choice Insurance Rating
AM Best Rating: "A" (Excellent)
Atlas Premium Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Medical Maximum Options
Worldwide including US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000
Ages 65-69: $50,000, $100,000
Ages 70-74: $50,000

Worldwide excluding US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 64-74: $50,000, $100,000
Worldwide including US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000
Ages 65-69: $50,000, $100,000
Ages 70-79: $50,000
Ages 80+: $10,000

Worldwide excluding US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 65-79: $50,000, $100,000
Ages 80+: $10,000
Age 80 or older - $10,000
Age 65 to 79 - $50,000, $100,000
All others - $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000.
Deductible Options
Age 14 days to 64: $0, $100, $250, $500, $1,000, $2,500, $5,000
Ages 65-74: $250, $500, $1,000, $2,500, $5,000
Age 14 days to 64: $0, $100, $250, $500, $1,000, $2,500, $5,000
Ages 65-79: $250, $500, $1,000, $2,500, $5,000
Ages 80+: $500, $1,000, $2,500, $5,000
$0, $100, $250, $500, $1,000, $2,500, or $5,000
Acute Onset of Pre-existing Condition
Worldwide Including the United States: Age 14 days to 64: $10,000
Ages 65-74:$5,000
Worldwide Excluding the United States: Age 14 days to 64: $50,000
Ages 65-74: $10,000
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
Inside the United States: In ppo network: The plan pays 90% of the first $5,000, then 100% to the medical maximum.
Out of ppo network: The plan pays 80% of the first $5,000, then 100% to the medical maximum.
Outside the United States:The plan pays 100%
Inside the United States: In ppo network: The plan pays 90% of the first $5,000, then 100% to the medical maximum.
Out of ppo network: The plan pays 80% of the first $5,000, then 100% to the medical maximum.
Outside the United States:The plan pays 100%
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
URC to medical maximum URC to medical maximum Average semi-private room rate, including nursing services.
Local Ambulance
Up to $10,000 Up to $10,000 Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient
Hospital Indemnity
$150 per day, 30-day limit $150 per day, 30-day limit $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Terrorism
$25,000 $25,000 Up to $50,000 lifetime maximum, eligible medical expenses only.
Emergency Dental
Dental — Sudden Relief of Pain: $200
Dental Emergency — Accident: $500
Dental — Sudden Relief of Pain: $200
Dental Emergency — Accident: $500
Up to $300. Not subject to deductible.
Emergency Medical Evacuation
$500,000 $500,000 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.
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
$50,000 $50,000 Up to $50,000 (not subject to deductible or coinsurance).
Repatriation of Remains
$50,000 $50,000 Up to the overall maximum limit (not subject to deductible or coinsurance).
Emergency Reunion
$200 per day, 10-day limit $50,000 maximum $200 per day, 10-day limit $50,000 maximum Up to $150,000, subject to a maximum of 15 days (not subject to deductible or coinsurance).
Trip Interruption
$5,000 $5,000 Up to $15,000 (not subject to deductible or coinsurance).
Trip Delay
$100 per day, 2-day limit per occurrence $100 per day, 2-day limit per occurrence 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
$10,000 $10,000 Up to $150,000 lifetime maximum. (not subject to deductible or coinsurance).
Natural Disaster
$50,000 $50,000 Replacement Accommodations: Up to $500 a day for 5 days
Natural Disaster Evacuation: Up to $10,000 maximum (not subject to deductible or coinsurance)
Unique Advantages
Liaison Travel Plus Insurance Advantages:
  • Comprehensive visitors insurance.
  • Liaison Travel Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
  • Only one time deductible per period of coverage.
  • Cancellation and refund of full premium before policy start date.
  • With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
Liaison Choice Insurance Advantages:
  • Comprehensive visitors insurance.
  • Liaison Travel Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
  • Only one time deductible per period of coverage.
  • Cancellation and refund of full premium before policy start date.
  • With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
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.
Personal Liability
$50,000 $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 insuranceis administered by Tokio Marine HCC Medical insurance 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.

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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:
  • Compare visitor medical insurance maximum coverage between Liaison Travel Choice vs Atlas Premium Travel insurance:
    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.
  • Compare visitors health insurance deductible options between Liaison Travel Choice vs Atlas Premium Travel 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.
  • Compare travel medical insurance provider network for Liaison Travel Choice vs Atlas Premium Travel 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 Liaison Travel Choice vs Atlas Premium Travel 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.
  • Contrast the travel health Insurance renewability options for Liaison Travel Choice vs Atlas Premium Travel 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
  • Compare eligibility options of US visitors travel insurance for Liaison Travel Choice vs Atlas Premium Travel insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to travelers outside their home country.
  • Compare visitors insurance Pre-existing conditions coverage for Liaison Travel Choice vs Atlas Premium Travel insurance:
    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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