| Insurance Providers |
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| Covid coverage |
| Safe Travels USA Comprehensive Insurance covers covid expenses and treated as any other sickness |
Atlas America Insurance Covers eligible costs related to covid. |
Not Available
Patriot America Plus Insurance Coveres up to policy maximum (contracted and treatment is provided after the policy effective date). |
Travel Medical Choice Insurance covers usual, Reasonable, and Customary up to medical maximum or $100,000; whichever is less. |
| Eligibility |
- Foreign residents visiting USA and worldwide
- Travelers up to the age of 89 years
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Non-US Citizens traveling outside their home country |
Patriot America Lite Insurance:
People travelling outside their home country whose destination includes the US and its territories.
Patriot America Plus:
- Non US citizens travelling to the USA.
- US citizens living outside USA who want to visit US.
- Green Card Holders in the US are eligible as long as their primary residence is outside the US.
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Travel Medical Choice Insurance
Available for Non US residents and citizens traveling to the US.
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| Medical Benefits |
| Hospital room and board help |
| Average semi-private room rate, including nursing services. |
Average semi-private room rate, including nursing services. |
Average semi-private room rate, including nursing services. |
Average semi-private room rate, including nursing services. |
| Intensive care unit help |
| Three times the average semi private room rate |
Up to the overall maximum limit. |
Up to the overall maximum limit. |
Up to the overall maximum limit. |
| Hospital indemnity help |
| $50 per night up to a maximum of $500 per Policy Period |
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
$150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible |
| Urgent Care Clinic help |
| $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay |
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. |
$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay |
URC to medical maximum $30 copay |
| Emergency Services |
| Emergency local ambulance help |
| Covered |
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
Covered |
Up to $10,000 |
| Hospital emergency room help |
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) |
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) |
Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
URC to medical maximum up to $100 copay |
| Dental |
| Emergency dental treatment help |
| $250 per Policy Period |
$300 maximum limit due to accident or unexpected pain to sound natural teeth |
$300 maximum limit due to accident or unexpected pain to sound natural teeth |
$250 maximum limit due to accident and $100 for sudden relief of pain |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions help |
| 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. |
Covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions) |
Patriot America Lite: Not Covered
Under 70 years of age,with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
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Worldwide Including the United States:
With Cardiac Condition and/or Stroke:
- Ages 14 days to 64 years: $50K
- Ages 65 to 74 years :$5K
Other than Cardiac Condition and/or Stroke:
- Ages 14 days to 64 years: $75K
- Ages 65 to 74 years :$7.5K
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| Life |
| AD&D help |
| $25,000 |
Members under age 18: Up to $5,000 lifetime maximum.
Members age 18-69: Up to $25,000 lifetime maximum.
Members age 70-74: Up to $12,500 lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250,000 maximum benefit any one family or group.
Accidental death & dismemberment buy up: $25,000 |
$50,000 principal sum. |
primary Insured or Travel Companion $25,000 Principal Sum
Eligible Dependent Children $5,000 Principal Sum
Aggregate limit of $250,000 for total number of insureds on the plan |
| Common carrier AD&D help |
| Not Covered |
Up to $50,000 for ages 18 through 69
Up to $10,000 under age 18
Up to $25,000 for ages 70 through 74
Up to $12,500 for ages 75 and older
Maximum of $250,000 for any one family or group. |
$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible |
Primary Insured or Travel Companion $50,000 Principal Sum
Eligible Dependent Children $10,000 Principal Sum
Aggregate limit of $250,000 for total number of insureds on the plan |
| Evacuation |
| Emergency medical evacuation help |
| 100% up to $2,000,000 |
$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition |
Up to the Maximum Limit |
Up to $500,000 |
| Emergency reunion help |
| $15,000 |
Up to $100,000, maximum of 15 days (not subject to deductible or coinsurance) |
$100,000 maximum limit. Not subject to deductible |
$200 per day, 10-day limit $100,000 maximum |
| Return of mortal remains or cremation/burial help |
| 100% up to $50,000 |
Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. |
Up to the 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 |
Up to $50,000 |
| Return of minor children help |
| $5,000 |
Up to $50,000 (not subject to deductible or coinsurance). |
$100,000 maximum limit. Not subject to deductible |
$50,000 maximum limit. Not subject to deductible |
| Political evacuation and repatriation help |
| Up to $100,000 lifetime maximum (not subject to deductible or coinsurance) |
Up to $100,000 lifetime maximum (not subject to deductible or coinsurance) |
$100,000 maximum limit. Not subject to deductible |
$10,000 |
| Natural disaster evacuation help |
| $25,000 |
Up to $250 a day for 5 days (not subject to deductible or coinsurance) |
$25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company) |
$50,000 maximum limit. Not subject to deductible |
| Trip interruption help |
| $5,000 (Per Policy Period does not cover lost trip cost) |
Up to $10,000 (not subject to deductible or coinsurance) |
$10,000 maximum limit. Not subject to deductible |
$5,000 maximum limit. Not subject to deductible |
| Unique Advantages |
Safe travels Insurance 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
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Atlas Travel Insurance Advantages:
- Atlas America Insurance is designed for travelers on H1B/H4 visa holders or students on OPT status.
- Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
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Patriot Travel Insurance Advantages:
- Optional coverage for adventure sports with purchase of the rider.
- It is a comprehensive benefit plan.
- Optional coverage for Enhanced AD&D rider.
- Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
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Travel Medical Choice Insurance Advantages:
- Comprehensive visitors insurance.
- Travel Medical Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
- Only one time deductible per period of coverage.
- Cancellation and refund of full premium before policy start date.
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| Travel Insurance |
| US Network of hospitals and doctors |
| » US PPO Network |
» US PPO Network |
» US PPO Network |
» US PPO Network |
| Underwriter |
| Zurich Insurance Europe AG Belgian branch |
Lloyd's |
Underwritten by Sirius International Insurance Corporation |
Underwritten by Crum and Froster SPC |
| Rating |
| AM Best Rating: “A+” |
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA- |
AM Best Rating: "A" (Excellent) |
AM Best Rating: "A" (Excellent) |
| Brochure and Details |
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