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
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.
- FEATURES
- Cost*
- 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
- $79
- Yes
- Yes
- Yes, covers up to 70 years
- Yes
- $0 to $5k
- "A" Excellent
- Yes
- Sirius
- IMG
- Buy Now
- Atlas Premium
- $98
- Yes
- Yes
- Covers up to 79 years
- No
- $0 to $5k
- A++ Standard & Poor’s : AA-
- Yes
- Lloyd's
- WorldTrips
- Buy Now
Patriot America Plus vs Atlas Premium Insurance: A Quick Comparison
Patriot America Plus
- Offers maximum coverage up to 1 million.
- Deductible options ranges from $0 to $2,500.
- Acute on set of pre-existing conditions covered up to 70 years.
- Renewable for up to 2 years.
- $50 cancellation fee after the effective date.
- Available for Non US residents traveling to USA.
- Adventure sports coverage is available as optional rider up to the age of 65 years.
- local_hospital
Provider Network
- medical_services
Urgent Care Clinic
Up to $300 - ambulance
Emergency Medical Evacuation
Up to $1,000,000 - pets
Pet Return
$1,000 maximum limit - shopping_cartBuy Now
Atlas Premium Insurance
- Offers maximum coverage up to 2 million.
- Deductible options ranges from $0 to $5,000.
- Covers pre-existing condition up to under 80 years.
- Not Renewable.
- $25 cancellation fee after the effective date.
- Eligible for both US and Non US citizens traveling outside their home country.
- Political Evacuation available up to $150,000.
- local_hospital
Provider Network
- dentistry
Dental Treatment
Up to $300 - ambulance
Emergency Medical Evacuation
Up to $1,000,000 lifetime maximum - medical_services
Bedside Visit
Up to $1500 - shopping_cartBuy Now
How much does Atlas Premium America vs Patriot America Plus insurance cost per month?
Both Patriot America Plus and Atlas Premium America provide excellent coverage for travelers visiting the US on a short-term basis. However, it's important to compare the two plans closely to determine which one best meets your specific needs.
You can compare cost for both Atlas Premium America and Patriot America Plus plans.
Patriot Travel Insurance vs Atlas Travel Insurance - FAQs
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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. -
Am I Eligible for an Atlas Premium Insurance Plan?If you are at least 14 days old and traveling internationally, you are eligible for coverage. You must purchase coverage for at least 5 days, though you do not have to travel all 5 days.If you are under age 65, you may select an overall maximum limit between $50,000 and $2,000,000. Applicants age 65 to 79 may choose an overall maximum limit of $50,000 or $100,000. Atlas Premium Travel insurance offers a $10,000 policy maximum to applicants over age 80.
Does the Atlas Premium Travel Insurance Plan Provide Any Trip Cancellation Coverage?Atlas Premium Travel does not provide any reimbursement if you must cancel your trip prior to departure. However, it does include a Trip Interruption benefit if you must end your trip early due to a covered reason.Note that Atlas Premium Travel medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. It also provides more medical benefits with higher coverage limits than most travel insurance plans.
Does Atlas Premium Insurance cover pre-existing conditions?Yes Atlas Premium insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 79 years.
Does Atlas Premium offer coverage for maternity?Well, Atlas Premium visitor medical insurance offers coverage for complications of pregnancy during the first 26 weeks of gestation.
Who is eligible for Atlas Premium America?The Atlas Premium America Insurance is available for Non-US Citizens visiting USA.
Who is eligible for Atlas Premium International?The Atlas Premium International Insurance is ideal for both Non US citizens and US citizens traveling outside their home country,excluding USA.
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:
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