Travel Medical Choice insurance vs Atlas Premium travel insurance, Compare travel insurance by Seven Corners vs worldTrips

Compare Travel Plans Travel Medical Choice vs Atlas Premium	Travel Medical Choice Plan Maximum Deductible Buy Now	Atlas Premium America Plan Maximum Deductible Buy Now
Insurance Providers
Medical Maximum Options	Worldwide including US Age 14 days to 69: $50k, $100k, $500k, $1M Ages 70-79: $50k, $100k 80 years and older: $10k Worldwide excluding US Age 14 days to 64: $50k, $100k, $500k, $1M, $2M, $5M Ages 65-79: $50M, $100K 80 years and older: $10k	Age 80 or older - $10k Age 65 to 79 - $50k, $100k All others - $50k, $100k, $250k, $500k, $1M or $2M.
Deductible Options	Worldwide including US $0; $100; $250: $500; $1k, $5k Worldwide excluding US Ages 14 days to 64 years: $0; $100; $250: $500; $1k; $5k Ages 65 to 79 years: $0; $250; $500; $1k; $5k 80 years and older: $0; $500; $1k; $5k	$0, $100, $250, $500, $1k, $2.5k, or $5k
Coinsurance	Coverage in USA In PPO - The plan pays 100%. Outside PPO - The plan pays 90% of the first $5k, then 100% to the medical maximum.	We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Length of Coverage	5 days to 364 days	5 days up to 364 days
Renewability	Up to 364 days	5 days up to 364 days
Medical Benefits
Hospital room and board	URC to medical maximum	Average semi-private room rate, including nursing services.
Intensive care unit	Up to the overall maximum limit	Up to the overall maximum limit
Urgent Care Clinic	URC to medical maximum $20 copay	$15 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay
Hospital indemnity	$150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible	$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Emergency Services
Emergency local ambulance	Inside USA:$10,000 Outside USA:URC to medical maximum	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Hospital emergency room	URC to medical maximum up to $100 copay	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)
Dental
Emergency dental treatment	$250 maximum limit due to accident and $100 for sudden relief of pain	Up to $300 (not subject to deductible or coinsurance)
Evacuation
Emergency medical evacuation	Up to $500k	Up to $1M lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition. Not subject to deductible or overall maximum limit.0
Emergency reunion	$200 per day, 10-day limit $100k maximum	Up to $150k subject to a maximum of 15 days (not subject to deductible )
Return of mortal remains or cremation/burial	Up to $50k	Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.0
Return of minor children	$50k maximum limit. Not subject to deductible	Up to $50k (not subject to deductible or coinsurance).
Political evacuation and repatriation	$10k	Up to $150k lifetime maximum (not subject to deductible )
Terrorism	$25k maximum limit. Not subject to deductible	$50k maximum limit. Not subject to deductible
Natural disaster evacuation	$25k maximum limit. Not subject to deductible	Up to $500 a day for 5 days (not subject to deductible ).
Personal liability	$50k	Up to $100k lifetime maximum Up to $100k third person injury Up to $100k third person property Up to $2.5k related third person property
Trip interruption	$5k maximum limit. Not subject to deductible	Up to $15k (not subject to deductible )
Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions	Worldwide Including the United States: Worldwide Including the United States(Cardiac Condition and/or Stroke): Ages 14 days to 69 years: $50,000 Ages 70 to 79 years: $5,000 Worldwide Including the United States(Other than Cardiac Condition and/or Stroke): Ages 14 days to 69 years: $75,000 Ages 70 to 79 years: $7,500 Worldwide Excluding the United States: Ages 14 days to 64 years: $50,000 Ages 65 to 79 years: $10,000	Covers up to overall maximum limit, under age 80.Covers emergency medical evacuation up to $25k lifetime max (excludes chronic and congenital conditions)
Life
AD&D	Primary Insured or Travel Companion $25k Principal Sum Eligible Dependent Children $5k Principal Sum Aggregate limit of $250k for total number of insureds on the plan	Under age 18: Up to $5k lifetime max. Under age 18-69: Up to $25k lifetime max. Under age 70-74: Up to $12.5k lifetime max. Under age 75 and older: Up to $6,250 lifetime max. $250k maximum benefit any one family or group. AD&D buy up: $25k
Common carrier AD&D	Primary Insured or Travel Companion $50k Principal Sum Eligible Dependent Children $10k Principal Sum Aggregate limit of $250k for total number of insureds on the plan	Up to $50k for ages 18 through 69 Up to $10k under age 18 Up to $25k for ages 70 through 74 Up to $12.5k for ages 75 and older Maximum of $250k for any one family or group.
Unique Advantages	Comprehensive visitors insurance. Only one time deductible per period of coverage. Cancellation and refund of full premium before policy start date.	It is comprehensive benefit plan 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.
Travel Insurance
Underwriter	For Including USA Underwritten by Crum & Forster SPC For Excluding USA Underwriters at Lloyd’s, London	Lloyd's
Rating	"A" (Excellent)	A++ (Superior) Standard & Poor’s Rating: AA-
Brochure and Details	» Travel Medical Choice Insurance Brochure » Travel Medical Choice Insurance Details » Travel Medical Choice Insurance Reviews	» Atlas Premium Insurance Brochure Atlas Premium Insurance Details Atlas Premium Insurance Reviews

Travel Medical Choice vs Atlas Premium insurance Reviews

Travelling to the US without American visitor medical insurance can be very risky. Travelling involves uncertain situations and emergencies like sudden sickness or injuries due to accidents, trip delay, loss of passport and much more… by which you can get stranded with huge medical bills and financial losses. Many of you are aware of the high health care cost for visitors to US and the expenses arising from hospitalization can be traumatic. There are top rated insurance providers who offer a wide range of visitors insurance that is available online and it is important to choose 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 Atlas Premium insurance and Travel Medical Choice insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness. 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. Atlas Premium insuranceis administered by WorldTrips services with AM Best Rating: A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries. Travel Medical 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.

Factors for comparing WorldTrips and Seven Corners insurance

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Atlas Premium insurance and Travel Medical Choice insurance:

01. Compare medical maximum coverage

This is the maximum coverage that the plan would offer for the medical expenses. Atlas Premium Insurance offers coverage up to 2 million while Travel Medical Choice insurance offers coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum.

02. Compare deductible options

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 Travel Medical Choice insurance both offer a set of deductible options for the travelers to choose from. Atlas Premium insurance and Travel Medical Choice Insurance have a range of deductible option from $0 up to $5k.

03. Compare 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.

04. Compare coinsurance options

Travel Medical Choice Visitor Insurance

In PPO network: 90% of the first $5k, then 100% to the medical maximum.
Out PPO network: 80% of the first $5k, then 100% to the medical maximum.

Atlas Premium Visitor insurance

Plan pays 100%

05. Contrast the renewability options

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Atlas Premium Insurance and Travel Medical Choice Insurance can be renewed up to a total of 364 days.

06. Compare eligibility options

Travel Medical Choice is available for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country while Atlas Premium is available for Non US citizens and US citizens traveling outside their home country.

07. Pre-existing conditions coverage

Travel Medical Choice pre-existing condition travel insurance

Covers up to 79 years

Atlas Premium pre-existing condition travel insurance

Covers up to 79 years

Pre-existing conditions coverage comparision

Pre-Existing FAQ's	Atlas America	Travel Medical Choice
What is a Pre-Existing Condition definition?	Worldwide Including the United States(Cardiac Condition and/or Stroke): Ages 14 days to 69 years: $50k Ages 70 to 79 years: $5k Worldwide Including the United States(Other than Cardiac Condition and/or Stroke): Ages 14 days to 69 years: $75k Ages 70 to 79 years: $7,500 Worldwide Excluding the United States: Ages 14 days to 64 years: $50k Ages 65 to 79 years: $10k	Atlas Travel and Atlas Premium provide a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 80, you may be covered for an acute onset of a **pre-existing condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation. An acute onset of a pre-existing condition is a 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. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage.
What types of pre-conditions are covered?	Cardiac Condition and/or Stroke Acute Onset of Pre-Existing Condition	Acute Onset of Pre-Existing Condition Sudden and unexpected outbreak or recurrence
Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions?	For travelers traveling outside USA, 12 months pre-existing conditions are not covered prior to the start of insurance coverage.	There is no look back period
Do you need a medical report of the person with the pre-existing condition?	No	No
Will we get a document stating that we have insurance and stating that the pre-existing condition is covered?	This plan does not provide a separate document	This plan does not provide a separate document
What is pre-certification?	There is no pre-certification.	You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan.
What is the maximum age for eligibility?	Covered up to age 79	Covered up to age 79

FEATURES
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

Travel Medical Choice
Yes
Yes
Yes, covers up to 79 years
Yes
$0 to $5k
"A" Excellent
Yes
Crum & Forster SPC
Seven Corners
Buy Now

Atlas Premium
Yes
Yes
Yes, covers up to 79 years
Yes
$0 to $5k
A++ Standard & Poor’s : AA-
Yes
Lloyd's
WorldTrips
Buy Now

Key Highlights

Travel Medical Choice Coverage including USA - Key Highlights

The plan is available for Non US residents and citizens traveling to the US or to other countries.
The length of coverage is 5 days to 364 days and the plan can be extended up to 364 days.
The age availability is 14 days to 80+years.
There are no state address restrictions for the plan that has coverage including the US.
The country address restrictions applicable are for Cuba, Gambia, Ghana, Iran, Nigeria, North Korea, Sierra Leone, Syria and Virgin Islands United States.
The destination restrictions are Antarctica, Cuba,Iran, North Korea and Syria.
The policy has a medical maximum options available $50,000, $100,000, $500,000 and $1000,000 for ages 14 days to 69 years.
For people of age 70 to 79 years, the policy maximum options are $50,000 and $100,000.
For ages 80 years and over, the policy maximum option of $10,000 is available.
The deductible options are $0,$100,$250,$500,$1000,$5000.
The co-insurance for within the US, within the PPO network, the plan pays 100% and Out of PPO network the plan pays 90% of the first $10,000 and then 100% upto the medical maximum. For outside the US, the plan pays 100%.
The Benefit period is 180 days to receive treatment from the date of an injury or illness. Initial treatment must occur within 30 days.
For the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50,000 coverage is available and for age range of 70 to 79 years, $5000 coverage is available .
For the acute onset of pre-existing condition coverage other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75,000 coverage is available and for age range of 70 to 79 years, $7,500 coverage is available .
For emergency medical evacuation and repatriation, coverage of $500,000 is available(separate from medical maximum).
Covid-19 treatment is available as URC up to medical maximum.

Travel Medical Choice Coverage excluding USA - Key Highlights

The plan is available for US residents and citizens and Non US residents and citizens traveling to other countries except the US.
The length of coverage is 5 days to 364 days and the plan can be extended up to 364 days.
The age availability is 14 days to 80+ years.
The state address restrictions include Colorado, Maryland, New York, South Dakota and Washington.
The country address restrictions applicable are for Cuba, Gambia, Ghana, Iran, Nigeria, North Korea, Sierra Leone, Syria and Virgin Islands.
The destination restrictions are Antarctica, Cuba,Iran, North Korea, Russia and Syria.
The policy has a medical maximum options available $50,000, $100,000, $500,000,$1000,000,$2000,000 and $5,000,000 for ages 14 days to 64 years.
For age range of 65 to 79 years, the policy maximum options are $50,000 and $100,000.
For ages 80 years and over, the policy maximum option of $10,000 is available.
For age range of 14 days to 64 years the deductible options are $0,$100,$250,$500,$1000,$5000.
For age range of 65 to 79 years the deductible options are $0,$250,$500,$1000,$5000.
For ages 80 years and over years the deductible options are $0; $500; $1,000; $5,000.
The plan pays 100% for co-insurance.
The Benefit period is 180 days to receive treatment from the date of an injury or illness. Initial treatment must occur within 30 days.
For the acute onset of pre-existing condition coverage for the age range of 14 days to 64 years, $50,000 coverage is available and for the age range of 65 to 79 years, $10,000 coverage is available.
For emergency medical evacuation and repatriation, coverage $500,000 is available(separate from medical maximum).
Covid will be treated same as any Illness.

Atlas Premium Insurance - Key Highlights

No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
Trip Interruption coverage available for up to $15k not subject to deductible.
Travel Delay coverage is available for up to $200 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
Lost checked luggage up to $2k - not subject to deductible.
Political Evacuation available up to $150k lifetime maximum not subject to deductible.
Bedside visit up to $1500 not subject to deductible.
Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10k per member, from age 18 to 69 - $100,000 per member, age 70 to 74 - $25k and for age 75+ $12,500.
Emergency Medical Evacuation is covered for $1000,000 lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)
79 years old turing 80 during the coverage period, Atlas Premium plan does not affect coverage as long plan is purchased at age 79.

Atlas America vs Safe Travels USA Comprehensive Insurance - FAQs

Travel Medical Choice Insurance - FAQ's

What is the eligibility to buy Travel Medical Choice Insurance?

Individuals and families including unmarried dependent children traveling outside of their Home Country.

What is the coverage area of Travel Medical Choice travel insurance?

Travel Medical Choice insurance is short term travel health insurance offers coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country. Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.This plans covers coverage for covid19.

Does Travel Medical Choice Insurance covers pre-existing conditions?

Yes, Travel Medical Choice offers coverage for the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available and other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available and for age range of 70 to 79 years, $7,500 coverage is available for Including USA . For Excluding USA it offers Acute onset of pre-existing conditions are covered up to $50k for age under 64 years and a coverage of $10k for age of 65-79.

How much does Travel Medical Choice insurance cost?

The cost of the Travel Medical Choice insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

How to use Travel Medical Choice while receiving treatment?

When you visit a medical provider, explain to them that you have Travel Medical Choice insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so.
Atlas Premium Travel Insurance - FAQ's

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.

What are the benefits of Atlas travel insurance?

Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.

The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.

What is the coverage area of WorldTrips Atlas travel insurance?

Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.

How much does WorldTrips travel insurance cost?

The cost of the Worldtrips travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

Am I Eligible for an Atlas Premium Travel 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.

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Atlas Premium Insurance

The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

Travel Medical Choice Insurance

The Travel Medical insurance products are available for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country. Travelers can get a quote among the various options they offer according to the travel requirements.

Travel Medical Choice insurance vs Atlas Premium Travel Insurance

Seven Corners vs WorldTrips visitor insurance cost comparison

Travel Medical Choice vs Atlas Premium insurance Reviews

Factors for comparing WorldTrips and Seven Corners insurance

01. Compare medical maximum coverage

02. Compare deductible options

03. Compare provider network

04. Compare coinsurance options

05. Contrast the renewability options

06. Compare eligibility options

07. Pre-existing conditions coverage

Pre-existing conditions coverage comparision

Key Highlights

Travel Medical Choice Coverage including USA - Key Highlights

Travel Medical Choice Coverage excluding USA - Key Highlights

Atlas Premium Insurance - Key Highlights

Atlas America vs Safe Travels USA Comprehensive Insurance - FAQs

Travel Medical Choice Insurance - FAQ's

Atlas Premium Travel Insurance - FAQ's

NEED HELP?

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