Patriot America Plus insurance vs Atlas Premium insurance, IMG vs WorldTrips insurance

Compare Travel Plans Patriot America Plus vs Atlas Premium	Patriot America Plus Plan Maximum Deductible Pre-existing Yes No Buy Now	Atlas Premium Plan Maximum Deductible Buy Now
Patriot America Plus vs Atlas Premium Insurance Benefits
Insurance Providers
Medical Maximum Options	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	Not renewable
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	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.
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.	Under age 18: Up to $5k lifetime max. Under age 18-69: Up to $25k lifetime max. Under age 70-74: Up to $12.5k lifetime max. Under age 75 and older: Up to $6,250 lifetime maximum. $250k max benefit any one family or group. AD&D 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	"A" (Excellent)	A++ (Superior) Standard & Poor’s Rating: AA-
Brochure and Details	» Patriot America Insurance Brochure » Patriot America Insurance Details » Patriot America Insurance Reviews	» Atlas Premium Insurance Brochure » Atlas Premium Insurance Details » Atlas Premium Insurance Reviews

Patriot America Plus vs Atlas Premium Insurance Reviews

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

Patriot America Plus vs Atlas Premium Insurance

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:

01. 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.

02. 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 from $0 up to $5k.

03. 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.

04. Compare coinsurance options

Patriot America Plus Visitor 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 Visitor Insurance

The plan pays 100%

05. 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.

06. 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.

07. Acute onset of Pre-existing conditions coverage:

Patriot America Plus pre-existing condition travel insurance

Covers up to 70 years

Atlas Premium pre-existing condition travel insurance

Covers up to 79 years

Pre-existing conditions coverage comparision

Pre-Existing FAQ's	Patriot America Plus	Atlas Premium
What is the Pre-Existing Condition definition?	Should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age.	Atlas Travel and Atlas Premium provide a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 80, you may be covered for an acute onset of a pre-existing condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation. An acute onset of a pre-existing condition is a 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. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage.
What types of pre-conditions are covered?	Acute Onset of Pre-Existing Condition Sudden and unexpected outbreak or recurrence	Acute Onset of Pre-Existing Condition Sudden and unexpected outbreak or recurrence
Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions?	3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage.	No look back period
Do you need a medical report of the person with the pre-existing condition?	No	No
Will we get a document stating that we have insurance and stating that the pre-existing condition is covered?	This plan does not provide a separate document	This plan does not provide a separate document
What is pre-certification?	There is no pre-certification.	You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan.
What is the maximum age for eligibility?	Covered up to age 70	Covered uo to age 79

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

Patriot America Plus
Yes
Yes
Yes, covers up to 70 years
Yes
$0 to $5k
"A" Excellent
Yes
Sirius
IMG
Buy Now

Atlas Premium
Yes
Yes
Covers up to 79 years
No
$0 to $5k
A++ Standard & Poor’s : AA-
Yes
Lloyd's
WorldTrips
Buy Now

Key Highlights

Atlas Premium Insurance

The deductible options for this plan are $0, $100, $250, $500, $1K , $2.5K and $5K per Certificate period
The policy maximum options available with this plan are $50K, $100K ,$250K ,$500K , $1M or $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50K and $100K and for people above 80 the only option is $20K.
No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
Trip Interruption coverage available for up to $15K not subject to deductible.
Travel Delay coverage is available for up to $200 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
Lost checked luggage up to $2K - not subject to deductible.
Political Evacuation available up to $150K lifetime maximum not subject to deductible.
Bedside visit up to $1.5K not subject to deductible.
Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10K per member, from age 18 to 69 - $100K per member, age 70 to 74 - $25K and for age 75+ $12.5K
Emergency Medical Evacuation is covered for $1M lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Patriot America Plus travel Insurance

This is comprehensive travel insurance by IMG and is similar to the Patriot America with the difference in the benefit that covers acute onset of pre-existing conditions up to the age of 70
The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
Plan is renewable for up to 2 years.
Plan is suitable for Green Card holders as long as they reside outside the US.

Patriot Travel Insurance vs Atlas Travel Insurance - FAQs

Patriot America Plus Travel 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.

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 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 Premium Travel 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 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.

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 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:

Visitor visa or Tourist Visa

Student visa (F1 visa)

J visa (exchange scholar visa)

H1B work visa

Fiancee visa

NEED HELP?

Contact our customer service team, we are here to help you!

(877)-340-7910 Click to send an email

Compare other short term travel insurance 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

Review travel medical insurance plans - Blogs and articles

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.

Atlas Premium Insurance

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.

Patriot America Plus Insurance vs Atlas Premium Insurance

Patriot Travel vs Atlas Premium insurance cost comparison

Patriot America Plus vs Atlas Premium Insurance Reviews

Factors to consider while comparing IMG and WorldTrips insurance

01. Compare medical maximum coverage

02. Compare deductible options

03. Compare provider network

04. Compare coinsurance options

05. Contrast the renewability options

06. Compare eligibility options

07. Acute onset of Pre-existing conditions coverage:

Pre-existing conditions coverage comparision

Key Highlights

Atlas Premium Insurance

Patriot America Plus travel Insurance

Patriot Travel Insurance vs Atlas Travel Insurance - FAQs

Patriot America Plus Travel Insurance - FAQ's

Atlas Premium Travel Insurance - FAQ's

NEED HELP?

Compare other short term travel insurance to USA plans

Review travel medical insurance plans - Blogs and articles

Patriot Insurance Plans

Atlas Premium Insurance

Which are the best travel insurance companies in USA?

Which are the best visitors insurance companies in USA?

Useful Info

Help center

Free quotes

Plans

Company info

Disclaimer

Contact our customer service team