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Patriot America Plus insurance vs Atlas Premium Insurance

Compare travel insurance benefits offered by Patriot America Plus vs 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.

How much does visitor health insurance USA cost?

Patriot Travel vs Atlas Premium insurance cost comparison

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Patriot Travel
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Atlas Premium
Patriot America Plus
Plan Maximum
Deductible
Covid19/Pre-existing
Patriot International offers coverage for Covid19
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Atlas Premium
Plan Maximum
Deductible
Covers covid19 illness
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Insurance Providers
Medical Maximum Options Worldwide including US (Patriot America Lite)
Age 14 days to 69: $50k, $100k, $500k, $1M
Ages 70-79: $50k
Ages 80+: $10k Age 14 days to 69: $$50k, $100k, $500k, $1M
Ages 70-79: $50k
Ages 80+: $10k		 Age 80 or older - $20k
Age 65 to 79 - $50k, $100k
All others - $50k, $100k, $250k, $500k, $1M or $2M.
Coinsurance
In PPO - Plan pays 100% of eligible expenses.
Out PPO - Plan pays 80% of eligible expenses up to $5k, then 100%.
In PPO - Plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out PPO - Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Length of Coverage 5 days up to 12 months 5 days up to 12 months
Renewability Yes : Up to 364 days Yes : Up to 24 months
 Medical Benefits
Hospital room and board Average semi-private room rate up to the maximum limit. Includes nursing service Average semi-private room rate, including nursing services.
Intensive care unit Up to the overall maximum limit Up to the overall maximum limit
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible $15 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay
Outpatient physical therapy and chiropractic care Up to the maximum limit Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance).
Hospital indemnity $250 per day of inpatient hospitalization (not subject to deductible or coinsurance). $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
 Emergency Services
Emergency local ambulance Up to the maximum limit Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Hospital emergency room Outside the U.S: No co-payment.
Inside the U.S: Up to $250 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)
 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).d
 Evacuation
Emergency medical evacuation Up to the maximum limit. Not subject to deductible Up to $1M lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition. Not subject to deductible or overall maximum limit.0
Emergency reunion $100k maximum limit. Not subject to deductible Up to $150k subject to a maximum of 15 days (not subject to deductible )
Return of mortal remains or cremation/burial Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k 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.0
Return of minor children $100k maximum limit. Not subject to deductible Up to $50k (not subject to deductible or coinsurance).
Political evacuation and repatriation $100k maximum limit. Not subject to deductible Up to $150k lifetime maximum (not subject to deductible )
Natural disaster evacuation $25k combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s propertyle Up to $100k lifetime maximum
Up to $100k third person injury
Up to $100k third person property
Up to $2.5k related third person property
Terrorism Up to $50k lifetime maximum for eligible medical expenses only. $50k maximum limit. Not subject to deductible
Natural disaster evacuation $25k maximum limit. Not subject to deductible (Must be approved in advance by the company) Up to $500 a day for 5 days (not subject to deductible ).
 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 $1M. $25k maximum limit for medical evacuation.
Covers up to overall maximum limit, under age 80.Covers emergency medical evacuation up to $25k lifetime maximum (excludes chronic and congenital conditions)
 Life
AD&D $50k principal sum. Members under age 18: Up to $5k lifetime maximum.
Members age 18-69: Up to $25k lifetime maximum.
Members age 70-74: Up to $12.5k lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250k maximum benefit any one family or group.
Accidental death & dismemberment buy up: $25k
Common carrier AD&D $25k per insured child, $100k per insured adult, $250k maximum limit per family. Not subject to deductible Up to $50k for ages 18 through 69
Up to $10k under age 18
Up to $25k for ages 70 through 74
Up to $12.5k for ages 75 and older
Maximum of $250k for any one family or group.
 Travel Insurance
Underwriter Sirius International Insurance Corporation Lloyd's
Rating AM Best Rating: "A" (Excellent) AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Brochure and Details
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Compare Patriot America Plus vs Atlas Premium Insurance

International tourists must aware of the high health care cost for visitors to the US. Medical treatment is very refined and drastically high for US tourists and without visitors insurance, it can be traumatic to settle the medical bills. Major risks includes sudden illness or injuries due to accident which can result in hospitalization or even visiting the physician which will not cost less than $100.

There are many visitor medical insurance available online and it is a challenge to select the best travel health insurance for USA. Here the visitor can compare US visitor insurance cost of different travel insurance plans, in particular US travel health insurance plans like Patriot America Plus Insurance and Atlas premium insurance offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness. These visitors insurance plans are quite popular among international tourists to USA and are from top rated insurance providers with AM Best Rating: A++ (Superior) rating. 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.

Patriot America Lite and Patriot America Plus Insurance is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years. Atlas Premium insurance is administered by WorldTrips. It has been offering health insurance products to customers in 130 countries.

Factors to consider while comparing IMG and WorldTrips insurance?

Following are some of the insurance aspects that an international tourist needs to focus on Atlas America insurance reviews and comparing among Patriot America Plus insurance and Atlas Premium insurance:

Compare medical maximum coverage:

This the maximum coverage that the plan would offer for the medical expenses. Patriot America Plus insurance offers maximum coverage up to 1 million and Atlas Premium insurance offers high end visitors medical coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum, Patriot America Plus Insurance offers coverage of $10k and Atlas Premium Insurance offers coverage of $250k for older travelers of 70 to 79 years and $20k for seniors citizens above 80 years.

Compare deductible options:

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 Premium insurance and Patriot America Plus insurance both offer a set of deductible options for the travelers to choose from. Patriot America Plus insurance has deductible options from $0 up to $2.5k while Atlas Premium insurance has a range of deductible option from $0 up to $5k.

Compare 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.

Compare coinsurance options:

Patriot America Plus insurance
  • In PPO network:
    • The plan pays 100%
  • Out PPO network:
    • The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
Atlas Premium Insurance
  • plan pays 100%

Contrast the renewability options:

Sometimes the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Plus Insurance can be renewed up to 2 years. Atlas Premium Insurance can be renewed for 364 days.

Compare eligibility options:

Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America Plus has a time restrictions that it has to be bought within 30 days of arrival in the US. Atlas Premium Insurance is quite popular among Older or senior citizens visitors to USA, 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.

Acute onset of Pre-existing conditions coverage:

Compare average cost of the USA travel insurance with covid coverage : Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions while Atlas Premium Insurance offers coverage for travelers aged 70 to 79 years: Up to the overall maximum limit or $100k, whichever is lower, travelers under age 70: Up to the overall maximum limit.

  • FEATURES
  • Eligible Plan for USA Coverage
  • Parents Eligible to be insured
  • Acute on set of Pre-existing Cover
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Atlas Premium
  • Yes
  • Yes
  • Covers up to overall maximum limit
  • NO
  • $0 to $5k
  • AM Best Rating: A++
  • Yes
  • Lloyd's
  • WorldTrips
  • Buy Now

Compare other popular short term travel health insurance cost to USA plans

Atlas America vs Patriot America Plus Atlas America vs Travel Medical Patriot America Plus vs Safe travels
Patriot Travel vs Travel Medical Atlas America vs Safe travels
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Patriot America Plus vs Atlas Premium Insurance - FAQs

  • Patriot America Plus Insurance - FAQ's

    What is acute onset of pre-existing condition?
    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.
    Is IMG travel insurance legit? Is IMG a real insurance company?
    International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.
    Does Patriot America Plus insurance cover Covid ? Does Patriot America Plus insurance cover Coronavirus?
    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.
    Can I buy Patriot America Plus insurance after my arrival in the US?
    Yes, the Patriot America Plus 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.
    Does Patriot America Plus Insurance cover pre-existing conditions?
    Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
    How does Patriot America Plus insurance offer coverage for medical expenses?
    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 $5K, then 100% up to the maximum limit.
    For detailed working example of how it works, you can review Patriot America Plus insurance working example.
    Can US citizens buy Patriot America Plus insurance?
    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.
    How can one use Patriot America Plus visitor medical insurance in case of emergency in USA?
    Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.
    I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Plus insurance?
    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.
    Does IMG travel insurance cover Covid?
    Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.
    Does IMG sell Cancel for Any Reason Insurance?
    Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
    What does IMG insurance stand for?
    International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.
    Is IMG a good travel insurance company?
    International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

  • Atlas America Insurance - FAQ's

    Is WorldTrips travel insurance a reliable insurance company? Is WorldTrips insurance a good insurance company?
    WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas. This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.
    Is there coverage for Covid-19 illness in WorldTrips travel insurance?
    WorldTrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.
    Is WorldTrips insurance a legit company?
    WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.
    Can I buy travel insurance from WorldTrips?
    WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.
    What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?
    WorldTrips covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority. Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.
    Why should I buy travel insurance from WorldTrips insurance?
    World trips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.
    Does Atlas Premium Insurance cover covid illness?
    worldTrips Covid19 travel insurance by Atlas Premium travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
    Does Atlas Premium insurance satisfy US visa requirements?
    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

What does visitors medical insurance cover?

A visitors health insurance plan covers:

  • Any new sickness or injury that occurs during the trip after the start of the policy.
  • Accidents or illness occurred during the trip
  • Medical emergencies and medical evacuation
  • Cover for hospital treatment ,doctor expenses and prescribed drugs
  • Some plans cover acute onset of pre-existing conditions
  • Dental emergencies (again offered by some insurance plans)

Compare Travel health insurance USA

Review WorldTrips Atlas Travel Insurance Online

Compare WorldTrips travel insurance of Atlas Travel Insurance for specific benefit limits for different covered medical expenses.

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IMG Patriot Platinum travel insurance

We also offer IMG Patriot Platinum international travel insurance plans and can compare and buy online.

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IMG Older travelers Insurance Plans

IMG Travel medical insurance coverage for older travelers visiting America, Get free quotes for visitor health insurance designed for Seniors traveling outside the home country.

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Atlas Insurance plans

The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

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Patriot insurance plans

Travel with one of the (IMG) Patriot travel insurance plans so that you can spend more time enjoying your international experience and less time worrying about your medical coverage.

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Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers