Safe travels USA Comprehensive vs Atlas America vs Patriot America Plus vs Liaison Choice Comparision

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


Safe travels USA Comprehensive vs Patriot America vs Atlas America vs Liaison Choice

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Safe Travels USA Comprehensive
Plan Maximum
Deductible
Atlas America
Plan Maximum
Deductible
Patriot America Plus
Plan Maximum
Deductible
Pre-Existing
Liaison Choice
Plan Maximum
Deductible
Trawick HCCIMS IMG Seven Corners
brochure  Brochure & Details links
» Safe Travels USA Comprehensive Brochure
» Safe Travels USA Comprehensive Details
» Safe Travels USA Comprehensive Reviews
» Atlas America Insurance Brochure
» Atlas America Insurance Details
» Atlas America Insurance Reviews
» Patriot America Insurance Brochure
» Patriot America Insurance Details
» Patriot America Insurance Reviews
» Liaison Choice Insurance Brochure
» Liaison Choice Insurance Details
» Liaison Choice Insurance Reviews
file  Underwriter
Safe Travels USA Comprehensive Underwriter
GBG Insurance Limited
Atlas America Insurance Underwriter
Certain Underwriters at Lloyd's of London
Patriot America Insurance Underwriter
Sirius International Insurance Corporation
Liaison Travel Choice Insurance Underwriter
Underwritten by Certain Underwriters at Lloyd's of London
file  Rating
Safe Travels USA Comprehensive Rating
AM Best Rating: “A+”
Atlas America Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Liaison Travel Choice Insurance Rating
AM Best Rating: "A" (Excellent)
planmaximum  Plan maximum
Age 80 to 89: $50,000
Age 65 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Age 80 to 89: $50,000
Age 70 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Age 80+: $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
Worldwide including US (Patriot America)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000

Worldwide excluding US (Patriot International)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Patriot America Plus
Age 14 days to 69: $50,000, $100,000, $500,000
Ages 70-79: $50,000
Ages 80+: $10,000
Worldwide including US
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: $50,000
Ages 80+: $15,000
Worldwide excluding US
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: $50,000, $100,000
Ages 80+: $15,000
coinsurance Coinsurance
  • In-network:  Plan pays 100%
  • Out-of-network:  Plan pays 80% of eligible expenses up to $5,000, then 100%
100% of Covered Expenses up to the policy maximum
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit. Coverage in USA
In PPO - Plan pays 100%
Outside PPO - Plan will pay 80% of eligible expenses up to $5,000, then 100%
Coverage outside US: No coinsurance
Coverage in USA
  • In PPO - The plan pays 90% of the first $5,000, then 100% to the medical maximum.
  • Outside PPO - The plan pays 80% of the first $5,000, then 100% to the medical maximum.

Outside the United States
- The plan pays 100%.
Pre-existing  Pre - existing Conditions Coverage
For people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or conditions. For age below 65 years: Up to $20,000
Age 65 and above: $10,000
Subject to the choosen Deductible and Coinsurance for Covered Expenses
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)
For Patriot International plan only
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
Under 70 years of age: Up to period of coverage maximum limit.
Acute onset of pre-existing conditions coverage for age 0 to 69 years is up to $30,000 and 70 years and above is $5,000
coverage  Length of Coverage
Plan can be purchased for a minimum of 5 days up to a maximum of 1 year Plan can be purchased for a minimum of 5 days up to a maximum of 364 days Plan can be purchased for a minimum of 5 days up to a maximum of 2 years Plan can be purchased for a minimum of 5 days up to a maximum of 364 days
renewal  Renewability
Yes up to 2 years Yes up to 364 days Yes up to 2 years if initial purchase is 1 month Yes up to 364 days
Pre-existing  Definition of Acute onset of Pre-existing Condition
Regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received within the 24 month period before the Covered Person's coverage became effective under the Policy. A sudden and unexpected outbreak or recurrence of a PreExisting Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care. 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. Injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance. 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, is of short duration, is rapidly progressive, and requires urgent care.
unique  Unique Advantages
Safe Travels USA Comprehensive Advantages:
  • 80% of the first $5,000 of eligible expenses then 100% up to the policy maximum
  • Covers doctor visits, x-rays, prescriptions, hospital, surgery, ambulance
  • Emergency medical treatment of pregnancy up to $1,000
  • Mental or nervous disorders up to $2,500
  • Physiotherapy/Chiropractic $50 per visit per day up to 10 visits
  • Dental treatment - for injury or emergency alleviation of pain $250
Atlas Travel Insurance Advantages:
  • Atlas America Insurance is best for travelers on H1B/H4 visa holders or students on OPT status.
  • Adventure sports coverage is included.
  • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
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.
Liaison Travel Choice Insurance Advantages:
  • Best for American Expatriates visiting the US.
  • Optional coverage for hazardous sports.
hostpital US Network of hospitals and doctors
US PPO Network US PPO Network US PPO Network US PPO Network
hostpital International Network of hospitals and doctors
- International PPO Network International PPO Network International PPO Network

Compare Safe travels USA Comprehensive vs Patriot America vs Atlas America vs Liaison Choice

International visitors in USA can have an amazing time but an unexpected emergency like accidental injuries and sudden sickness can spoil your joyous vacation or trip. Visiting a physician or hospitalization in US is quite expensive resulting in huge medical bills. If the tourist doesn’t have adequate visitor insurance, it can very difficult to clear the expensive medical bills and might end up losing most of your life savings. There are many popular insurance providers offering a wide range of visitors medical insurance for international tourists to the US. Before buying the best visitors insurance for USA, it is advisable to compare the different US travel insurance plans like Safe travels USA Comprehensive Insurance, Atlas America insurance, Patriot America insurance and Liaison travel insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness. These visitor health insurance plans for USA are ideal for senior citizen travelers and parents as they have good coverage for acute onset of pre-existing conditions. Safe Travels USA is offered by Trawick International and has an AM Best Rating of “A+”. Atlas America insurance is administered by Tokio Marine HCC Medical insurance services with AM Best Rating: A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries. Patriot America Plus Insurance is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years. It also has AM Best Rating: A++ (Superior) rating. Liaison Travel Choice Insurance is offered by Seven Corners with AM Best Rating: "A" (Excellent) rating and has been offering excellent international health insurance since 19 years.

What are the factors to consider while comparing Safe travels USA Comprehensive Insurance, Atlas America insurance, Patriot America Insurance and Liaison Travel Choice insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Safe travels USA Comprehensive Insurance, Atlas America insurance, Patriot America insurance and Liaison Travel Choice insurance:
  • Plan Maximum coverage:
    This is the maximum coverage that the plan would offer for the medical expenses. Safe Travels USA Comprehensive Insurance and Patriot America insurance offer maximum coverage of $1 million. Atlas America insurance offers maximum coverage up to 2 million and Liaison Travel Choice insurance offers coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum. Safe Travels USA Comprehensive Insurance is available up to 89 years.
  • What is a deductible in visitors 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 America insurance and Liaison Travel Choice insurance both offer a set of deductible options for the travelers to choose from. Safe Travels USA Comprehensive insurance, Atlas America insurance and Liaison Travel Choice Insurance have a range of deductible option from $0 up to $5,000 and Patriot America insurance has deductible options from $0 up to $2,500.
  • What is a 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.
  • What is coinsurance in visitor insurance?
    This is a percentage of the bill that the travel has to pay. Atlas America plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Safe Travels USA Comprehensive insurance and 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. Liaison Travel Choice Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and within provider network it pays 90% of the first $5,000, then 100% up to medical maximum.
  • Renewability of US Travel health Insurance
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Safe Travels USA Comprehensive insurance can be renewed up to 1 years, Atlas America Insurance can be renewed for 364 days, Patriot America Insurance can be renewed up to 2 years while Liaison Travel Choice Insurance can be renewed up to a total of 364 days.
  • Eligibility for US visitors insurance
    All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas America Insurance is quite popular among 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. Patriot America has a time restrictions that it has to be bought within 30 days of arrival in the US.
  • Pre-existing conditions US visitors medical insurance coverage
    Safe Travels USA Comprehensive offers coverage for people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or condition. Atlas America insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Liaison Travel Choice Insurance offers coverage of $30,000 for travelers up to 69 years and $5,000 for travelers aged 70 years & over. Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions.

Resourceful Travel insurance information

Resources

Travel insurance resources


International travel insurance resources for travel outside your home country.


 Know more
Factors

Factors for travel insurance online

Important factors to consider while deciding on the best Travel insurance.


 Know more
comparison

Types of Travel insurance online

Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.


 Know more
Claims Procedure

Travel insurance Claims Procedure

Helping travel insurance online claims process for getting medical care in a hospital.


 Know more

Travel health insurance information

Welcome to American Visitor Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required