Compare Patriot Travel vs Atlas Premium Travel Insurance plans

Compare travel insurance benefits offered by Patriot America Plus Insurance and 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.


Patriot Travel Insurance vs Atlas Premium Travel Insurance

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Patriot America Plus
Plan Maximum
Deductible
Pre - existing
Atlas Premium America
Plan Maximum
Deductible
brochure  Brochure & Details links
  Patriot America Insurance Brochure
  Patriot America Insurance Details
  Patriot America Insurance Reviews
  Atlas Premium Insurance Brochure
  Atlas Premium Insurance Details
  Atlas Premium Insurance Reviews
file  Underwriter
Patriot America Insurance Underwriter
Sirius International Insurance Corporation
Atlas Premium Insurance Underwriter
Certain Underwriters at Lloyd's of London
Best Rating  Rating
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Atlas Premium Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
coverage  Medical Maximum Options
Age 80 or older - $20,000
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
Patriot America: Not Covered
Patriot International
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
Patriot America Plus
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
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.

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
$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).
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 $300 for acute onset of pain.
Emergency Medical evacuation  Emergency Medical Evacuation
Up to the maximum limit. Not subject to deductible Up to $1,000,000 lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition.
Return of Minor Children  Accidental death & dismemberment
$50,000 principal sum. Not subject to deductible. 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
$100,000 maximum limit. Not subject to deductible Up to $50,000 (not subject to deductible or coinsurance).
Emergency Reunion  Emergency Reunion
$100,000 maximum limit. Not subject to deductible Up to $150,000, subject to a maximum of 15 days (not subject to deductible or coinsurance).
Trip Interruption  Trip Interruption
$10,000 maximum limit. Not subject to deductible Up to $15,000 (not subject to deductible or coinsurance).
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
$25,000 maximum limit. Not subject to deductible. 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
unique  Unique Advantages
Patriot Travel Insurance Advantages:
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.
Atlas Premium Insurance Advantages:
  • Atlas Premium provides coverage with higher benefit limits.
  • It is ideal for shorter trip or you are seeking more extensive coverage as you travel abroad.

Patriot America Insurance 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. The visitors to the US should compare different travel insurance plans, in particular US travel health insurance plans like Patriot America 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 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 Tokio Marine HCC Medical insurance services. It has been offering health insurance products to customers in 130 countries.

What are factors to consider while comparing Patriot America insurance and Atlas Premium insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America insurance and Atlas Premium insurance:
  • Compare visitor medical insurance maximum coverage between Patriot America insurance and Atlas Premium insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot America 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 Insurance offers coverage of $10,000 and Atlas Premium Insurance offers coverage of $250,000 for older travelers of 70 to 79 years and $20,000 for seniors citizens above 80 years.
  • Compare visitors health insurance deductible options between Patriot America insurance and Atlas Premium 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. Atlas Premium insurance and Patriot America insurance both offer a set of deductible options for the travelers to choose from. Patriot America insurance has deductible options from $0 up to $2,500 while Atlas Premium insurance has a range of deductible option from $0 up to $5,000.
  • Compare travel medical insurance provider network for Patriot America insurance and Atlas Premium insurance:
    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 travel insurance coinsurance options for Patriot America insurance and Atlas Premium insurance:
    This is a percentage of the bill that the travel has to pay. Patriot America Insurance has 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 Premium Insurance plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Contrast the travel health Insurance renewability options for Patriot America insurance and Atlas Premium insurance:
    Sometimes the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Insurance can be renewed up to 2 years. Atlas Premium Insurance can be renewed for 364 days.
  • Compare eligibility options of US visitors travel insurance for Patriot America insurance and Atlas Premium insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America 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.
  • Compare visitors insurance Pre-existing conditions coverage for Patriot America Plus insurance and Atlas Premium insurance:
    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 $100,000, whichever is lower, travelers under age 70: Up to the overall maximum limit.
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