Patriot America vs Atlas America vs Safe travels USA Comprehensive insurance plans

Compare travel insurance benefits offered by Patriot America insurance, Atlas America Insurance and Safe travels USA Comprehensive insurance plans. These three US travel insurance plans namely Patriot America Plus vs Safe travels USA Comprehensive vs Atlas America visitor insurance are comprehensive benefit visitors medical insurance plans for US travel. These plans offer best US visitors insurance coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.


Compare Patriot America Plus vs Atlas America vs Safe travels USA insurance

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Start Date
End Date
Coverage Region
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Compare Travel Plans
Patriot America Plus
Plan Maximum
Deductible
Pre - existing / COVID19
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Atlas America
Plan Maximum
Deductible
Atlas Travel Insurance covers covid19 illness
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Safe Travels USA Comprehensive
Plan Maximum
Deductible
Covers covid19 illness
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Logos IMG WorldTrips Trawick
Covid19 Coverage Not Available Patriot America Plus Insurance Coveres up to policy maximum (contracted and treatment is provided after the policy effective date). Atlas America Insurance Covers eligible costs related to COVID-19. Safe travels USA Comprehensive visitors insurance offers US Travel insurance for Covid illness.
Plan maximum Worldwide including US (Patriot America)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000

Worldwide excluding US (Patriot International)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Patriot America Plus
Age 14 days to 69: $50,000, $100,000, $500,000
Ages 70-79: $50,000
Ages 80+: $10,000
Age 80+: $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
Age 80 to 89: $50,000
Age 65 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Age 80 to 89: $50,000
Age 70 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Coinsurance Coverage in USA
In PPO - Plan pays 100%
Outside PPO - Plan will pay 80% of eligible expenses up to $5,000, then 100%
Coverage outside US: No coinsurance
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
  • In-network:  Plan pays 100%
  • Out-of-network:  Plan pays 80% of eligible expenses up to $5,000, then 100%
100% of Covered Expenses up to the policy maximum
Emergency Medical Evacuation Up to $1,000,000 maximum limit. $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. 100% up to $2,000,000
Length of Coverage Plan can be purchased for a minimum of 5 days up to a maximum of 2 years Plan can be purchased for a minimum of 5 days up to a maximum of 364 days Plan can be purchased for a minimum of 5 days up to a maximum of 1 year
Pre-existing conditions Coverage
Patriot America: Not Covered
Patriot International
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
Patriot America Plus
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
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)
For people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or conditions. For age below 65 years: Up to $20,000
Age 65 and above: $10,000
Subject to the choosen Deductible and Coinsurance for Covered Expenses
Repatriation of remains $50,000 maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Overall maximum limit (not subject to deductible or coinsurance). 100% up to $1,000,000
Definition of Acute onset of Pre-existing Condition Injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance. Sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received within the 24 month period before the Covered Person's coverage became effective under the Policy. A sudden and unexpected outbreak or recurrence of a PreExisting Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care.
Unique Advantages
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.
  • 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.
  • 80% of the first $5,000 of eligible expenses then 100% up to the policy maximum
  • Covers doctor visits, x-rays, prescriptions, hospital, surgery, ambulance
  • Emergency medical treatment of pregnancy up to $1,000
  • Mental or nervous disorders up to $2,500
  • Physiotherapy/Chiropractic $50 per visit per day up to 10 visits
  • Dental treatment - for injury or emergency alleviation of pain $250

 Travel Insurance

US Network of hospitals and doctors » US PPO Network » US PPO Network » US PPO Network
Underwriter Patriot AmericaInsurance Underwriter
Sirius International Insurance Corporation
Atlas America Insurance Underwriter
Lloyd's
Safe Travels USA Comprehensive Underwriter
Crum & Forster, SPC
Rating Patriot AmericaInsurance Rating
AM Best Rating: "A" (Excellent)
Atlas AmericaInsurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Safe Travels USA Comprehensive Rating
AM Best Rating: “A+”
Brochure and Details

Compare Patriot America vs Atlas America vs Safe travels USA Comprehensive

Travelers coming to the USA must be cautious during the entire duration of trip. Travelling involves high amount of risks which can result in sickness or accidental injuries. Because of the rising health care cost for visitors to USA, it would be difficult to clear hospitalization or physician bills without visitors health insurance. Many insurance providers offer different visitors insurance for tourists to the US. It is important to compare the popular visitor insurance before buying adequate travel medical insurance for USA.

Patriot America Insurance is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years. It also has AM Best Rating: A++ (Superior) rating. Safe Travels USA is offered by Trawick International and has an AM Best Rating of “A+”. Atlas America insurance is administered by WorldTrips. It has been offering health insurance products to customers in 130 countries. Atlas America insurance has AM Best Rating of A++ (Superior).

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What are factors to consider while comparing Patriot America insurance, Safe Travels USA insurance and Atlas America insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America Plus vs Safe Travels USA Comprehensive vs Atlas America Insurance:
  • Plan Maximum coverage:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot America insurance and Safe Travels USA Comprehensive insurance offers visitors medical coverage up to 1 million. Atlas America insurance offers maximum coverage of 2 million. The coverage may vary for older travelers with reduced plan maximum, Patriot America Insurance and Atlas America Insurance offers coverage of $10,000, Safe Travels USA Comprehensive Insurance is available up to 89 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. Safe Travels USA Comprehensive and Patriot America insurance both offer a set of deductible options for the travelers to choose from. Patriot America insurance has deductible options from $0 up to $2,500 while Safe Travels USA Comprehensive insurance and Atlas America 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. Patriot America Insurance and Safe Travels USA Comprehensive have 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. Atlas America plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Renewability of US Travel health Insurance
    Sometimes the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Insurance can be renewed up to 2 years. Safe Travels USA Comprehensive Insurance can be renewed for 1 year. Atlas America Insurance can be renewed up to 364 days.
  • Eligibility for US visitors insurance
    All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
  • Pre-existing conditions US visitors medical insurance coverage
    Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions while Safe Travels USA Comprehensive offers coverage for people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or condition. Atlas America insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years.

Compare other popular short term visitors medical insurance plans

Safe travels USA vs Atlas America vs Patriot America - FAQs

  • trawick logo
    Safe Travels USA Comprehensive
  • IMG
    Atlas America
  • IMG
    Patriot America Plus

Trawick International offers coverage for Covid19 illness. The Safe Travels USA Comprehensive travel insurance covers Covid19 for coronavirus and will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. The eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

Trawick international is a US based full service travel insurance provider specializing in travel related coverage for tourists, students, scholars, businesses, groups, and all other global travelers. Trawick International travel Insurance offers short term visitor travel insurance for international travelers. Trawick international health insurance coverage includes travel medical coverage for tourists, students, scholars, businesses and groups. Trawick International insurance provides Travel Insurance, Trip cancellation and Student Travel Medical Insurance. Trawick International has designed the programs for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.

For Trawick International Travel insurance Policy Cancellation : If your travel insurance USA plan is cancelled you have to submit a written request to info@trawickinternational.com for cancellation and refund of your travel medical insurance premium cost.

Cancellation before effective date:
  • A full refund would be considered
Cancellation of the travel health insurance after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:
  • If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
  • If no claims have been filed with the Company, then
  • a cancellation fee of US $25 will be charged;
  • only full month premiums will be considered as refundable;
  • If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

Safe Travels USA Insurance is an affordable Covid19 travel insurance. Safe Travels USA Comprehensive by Trawick International is ideal for visitors to the USA looking for cheap travel health insurance including coverage for COVID-19/SARS-CoV-2.

The Safe Travels USA Comprehensive travel insurance plan by Trawick international is available for Non US Citizens and US residents who are traveling to the United States or anywhere outside their home country. Safe Travels USA is not available for US citizens and US permanent residents (Green card holders).

Yes, the Safe Travels USA Comprehensive plan can be renewed if initially purchased for more than Five days. There is an $5 fee for renewing the Trawick International Safe Travels USA Comprehensive plan

Atlas America insurance covid coverage is available for plans purchased after July 15, 2020. Atlas America insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19/SARS-CoV-2.

WorldTrips offers a range of international travel insurance plans specifically considered for the needs of international travelers and students. WorldTrips travel insurance products are ideal for NON US citizens traveling to the US or outside their home country, for US citizens traveling outside the US and international students studying outside their home country. The Atlas America insurance Covid covers Coronavirus and acute onset of pre-existing conditions and is very popular with international travelers.

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.

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.

Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.

Yes, US Visitors who had initially bought for less than 364 days can renew Atlas America Insurance online up to 364 days.

If you want to cancel Atlas America insurance, you must submit your cancellation request to orders@WorldTrips.com in order to receive a refund or premium. Only members who have no claims are eligible for premium refund.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:
  • Full refund of premium.
Cancellation after effective date:
  • $25 cancellation fee will be charged by the insurance company.
  • Only unused portion of the plan cost will be refunded.

Atlas America is a best travel insurance 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.

Visitors can review this article on how to use Atlas America visitor medical insurance in case of emergency in the United States.

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.

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

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

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.

Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

Yes, the Patriot America 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.

Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

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 $5,000, then 100% up to the maximum limit.
For detailed working example of how it works, you can review Patriot America Plus insurance working example.

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.

Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.

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.

Patriot America Plus Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

  • Full refund of premium.
Cancellation after effective date:
  • $50 cancellation fee will be charged by the insurance company.
  • Only full month premium will be considered for refund.

This is precisely the question that our entire website is dedicated to answering. We strive to be a one-stop shopping comparison site giving you a range of USA travel insurance options for your situation by providing several resources such as a compare visitor insurance tool, answers to frequently asked questions, resourceful blogs and answers to specific customer queries. We can get you an ideal tourist medical insurance in USA. We offer Patriot America insurance by International Medical Group (IMG) which is one of the most popular visitor insurance plans for USA that can set your mind at ease and cover you in the United States.

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Types of travel insurance

Types of travel insurance

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