Compare Patriot Travel vs Atlas Premium travel insurance plans

These are popular visitor insurance plans for international travel. Compare price and benefits to find the best plan for your needs.


Patriot Travel vs Atlas Premium Travel

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Patriot America
Maximum
Deductible
Atlas Premium America
Maximum
Deductible
brochure  Brochure & Details links
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  Details
  Reviews
  Atlas Premium Brochure
  Atlas Premium Details
  Atlas Premium Reviews
coverage  Medical Maximum Options
Age 80 or older - $10,000
Age 70 to 79 - $50,000
All others - $50,000, $100,000, $500,000, $1,000,000.
Age 80 or older - $10,000
Age 70 to 79 - $50,000, $100,000, or $250,000
All others - $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000.
coverage  Deductible Options
$0, $100, $250, $500, $1,000 or $2,500 $0, $100, $250, $500, $1,000, $2,500, or $5,000
brochure  Acute Onset of Pre-existing Condition
For Patriot International plan only (excludes chronic and congenital conditions)
  • For US Citizens
    • Up to age 65 with primary health plan: Up to maximum limit.
    • Up to age 65 witout primary health plan: $20,000 certificate period.
    • Age 65 to age 70: $2,500 certificate period.
  • For Non US citizens
    • Up to age 70 years: Up to maximum limit or $500,000 whichever is less
  • Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation
    • Up to $25,000 maximum limit for up to age 65.
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
coinsurance  Coinsurance
Coverage in USA
  • In PPO - Plan pays 100% of eligible expenses.
  • Outside PPO - Plan pays 80% of eligible expenses up to $5,000, then 100% .

Coverage outside US
Plan pays 100% of eligible expenses.
Coverage in USA
  • In PPO - Plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
  • Outside PPO - Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

Coverage outside US
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.

Hospital Room and Board  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.
accident  Local Ambulance
Up to maximum limit. Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient
Hospital Indemnity  Hospital Indemnity
Up to $100 per overnight up to a maximum of 10 overnights (not subject to deductible or coinsurance). $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
accident  Terrorism
Up to $50,000 maximum limit. Up to $50,000 lifetime maximum, eligible medical expenses only.
Emergency Dental  Emergency Dental (not subject to deductible or coinsurance)
$300 maximum limit due to accident or unexpected pain to sound natural teeth.
Traumatic Dental Injury - Up to the period of coverage maximum limit. (Treatment at a hospital due to an accident)
Up to $250 for acute onset of pain.
Emergency Medical evacuation  Emergency Medical Evacuation
$1,000,000 maximum limit. Not subject to deductible. Must be approved in advance and coordinated by the company. Average semi-private room rate, including nursing services.
Return of Minor Children  Accidental death & dismemberment
$25,000 principal sum. Under age 18 years - Up to $5,000; 18 to 69 years - Up to $100,000; 70 to 74 years - Up to $12,500; 75 and older - Up to $6,250 lifetime maximum
$250,000 maximum benefit any one family or group (Excludes loss due to common carrier accident)
Return of Minor Children  Return of Minor Children
Up to $50,000 (not subject to deductible or coinsurance). Up to $50,000 (not subject to deductible or coinsurance).
Repatriation of Remains  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.(not subject to deductible or coinsurance). Up to the overall maximum limit (not subject to deductible or coinsurance).
Emergency Reunion  Emergency Reunion
$50,000 maximum limit. Must be approved in advance and coordinated by the company. Up to $150,000, subject to a maximum of 15 days (not subject to deductible or coinsurance).
Trip Interruption  Trip Interruption
Up to $5,000 maximum limit (not subject to deductible or coinsurance). Up to $15,000 (not subject to deductible or coinsurance).
Trip Delay  Trip Delay (2 days maximum. Not subject to deductible or coinsurance)
Not Applicable Up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay.
Political evacuation  Political Evacuation
$10,000 maximum limit (not subject to deductible or coinsurance). Up to $150,000 lifetime maximum. (not subject to deductible or coinsurance).
Natural disaster  Natural Disaster - Replacement Accommodations
Up to $250 per day and maximum limit of five days for accommodations. (not subject to deductible or coinsurance). Up to $500 a day for 5 days (not subject to deductible or coinsurance).
personal liability  Personal Liability
  • Injury to third person: $100 per injury deductible
  • Damage to third person's property: $100 per damage deductible
  • Up to $100,000 lifetime maximum
  • Up to $100,000 third person injury
  • Up to $100,000 third person property
  • Up to $2,500 related third person property

restrictions  Compare other plans
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