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Patriot America Plus vs Atlas America vs Safe Travels insurance plans

Compare travel insurance benefits offered by Patriot America plus vs Safe travels USA comprehensive insurance plans vs Atlas America Insurance. 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..

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

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Patriot America Plus
Plan Maximum
Deductible
Pre-existing/Covid19
Patriot International covers Covid19
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Atlas America
Plan Maximum
Deductible
Atlas Travel Insurance covers COVID19
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Safe Travels USA Comprehensive
Plan Maximum
Deductible
Safe travel inusrance covers covid19 illness
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Insurance Providers IMG world-trips Trawick
Covid19 Coverage
Not Covered
Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
 Covered Coronavirus/COVID-19 will be treated the same as any other sickness for any sickness related losses while you are insured
Coinsurance In-network: The plan pays 100%
Out-of-network: IMG pays 80% up to $5,000, then 100%.		 Plan pays 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%
Length of Coverage 5 days up to 12 months - renewable up to 24 months Minimum : 5 days
Maximum : 364 days		 5 days to maximum of 1 year, Renewable up to 2 years
Renewability Yes : Up to 24 months Yes : Up to 364 days Yes : Up to 24 months
Deductible Options $0, $100, $250, $500, $1,000, $2,500 per insured person $0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate period $0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate period
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services. The average semi private room rate
Intensive care unit Up to the overall maximum limit Up to the overall maximum limit Three times the average semi private room rate
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). $50 per night up to a maximum of $500 per Policy Period
Urgent Care Clinic $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay 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.		 $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay
 Emergency Services
Emergency local ambulance Covered Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Covered
Hospital emergency room Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit 		Outside the U.S: No co-payment.
Inside the U.S: Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)		 Outside the U.S: No co-payment.
Inside the U.S: Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Emergency Medical Treatment of Pregnancy Not Covered Not Covered $1,000 per policy period
 Dental
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth Up to $300 (not subject to deductible or coinsurance). $250 per Policy Period
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions
Patriot America Lite: Not Covered
Under 70 years of age,with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
Under 80 years of age,covers up to overall maximum limit. covers up to $25,000 lifetime maximum (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.
 Life
AD&D $50,000 principal sum. Members under age 18: Up to $5,000 lifetime maximum.
Members age 18-69: Up to $25,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum. Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group.
Accidental death & dismemberment buy up: $25,000 		$25,000
Common carrier AD&D $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible Up to $50,000 for ages 18 through 69
Up to $10,000 under age 18
Up to $25,000 for ages 70 through 74
Up to $12,500 for ages 75 and older
Maximum of $250,000 for any one family or group.		 Not Covered
 Evacuation
Emergency medical evacuation Up to the Maximum Limit $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. 100% up to $2,000,000
Emergency reunion $100,000 maximum limit. Not subject to deductible Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance) $15,000
Return of mortal remains or cremation/burial Up to the 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. Not subject to deductible Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. 100% up to $50,000
Return of minor children $100,000 maximum limit. Not subject to deductible Up to $50,000 (not subject to deductible or coinsurance). $5,000
Political evacuation and repatriation $100,000 maximum limit. Not subject to deductible Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). $25,000
Natural disaster evacuation $25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company) Up to $250 a day for 5 days (not subject to deductible or coinsurance). $25,000 maximum limit
Trip interruption Up to $10,000 (not subject to deductible or coinsurance). Up to $10,000 (not subject to deductible or coinsurance). $5,000 (Per Policy Period does not cover lost trip cost)
Unique Advantages
Patriot Travel Insurance Advantages:
  • Optional coverage for adventure sports with purchase of the rider.
  • It is a comprehensive benefit plan.
  • Optional coverage for Enhanced AD&D rider.
  • Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
Atlas Travel Insurance 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.
Safe travels Insurance Advantages:
  • 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 Underwritten by Sirius International Insurance Corporation Underwritten by Lloyds, London. Safe Travels USA Comprehensive Insurance Underwriter
Crum and Froster SPC
Rating AM Best Rating: "A" (Excellent) AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-		 Safe Travels USA Comprehensive Rating Insurance Rating
AM Best Rating: “A+”
Brochure and Details

Patriot America Lite 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.

Here the visitor can compare US visitor insurance cost of different travel insurance plans, Patriot America Lite 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).

Factors to consider while comparing IMG vs WorldTrips vs Trawick insurance

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America Lite 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 Lite 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 Lite 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 Lite insurance both offer a set of deductible options for the travelers to choose from. Patriot America Lite 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 Lite 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 Lite 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
    Compare average cost of the USA travel insurance with covid coverage : Patriot America Lite 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.
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Atlas America vs Patriot America Plus vs Safe Travels USA Comprehensive - FAQs

  • IMG Patriot America Plus Insurance FAQs

    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.

  • IMG Atlas America Insurance FAQs

    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  Safe Travels USA Comprehensive Insurance FAQs

    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

Compare Travel health insurance USA , Visitor Insurance USA

Visitors insurance USA

IMG Patriot America Plus travel insurance

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