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Compare Travel Medical Plus vs Atlas Premium

Compare Travel Medical Plus vs Atlas Premium Travel insurance

Compare travel insurance benefits offered by Travel Medical Plus 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.

How much does visitor health insurance USA cost?

Seven Corners vs WorldTrips visitor insurance cost comparison

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Compare Travel Plans Atlas Travel versu Travel Medical	Travel Medical Plus Plan Maximum Deductible Covers Covid19 illness Buy Now	Atlas Premium America Plan Maximum Deductible Covers Covid19 illness Buy Now
Insurance Providers
Medical Maximum Options	Worldwide including US Age 14 days to 69: $50k, $100k, $500k, $1M Ages 70-79: $50k, $100k Age 80 or older: $10k Worldwide excluding US Age 14 days to 64: $50k, $100k, $500k, $1M, $2M, $5M Ages 65-74: $50k, $100k	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 Age 14 days to 64: $0; $100; $250; $500; $1k; $5k Ages 65-74: $0; $250; $500; $1k; $5k	$0, $100, $250, $500, $1k, $2.5k, or $5k
Coinsurance	Inside the United States In ppo network: The plan pays 90% of the first $5k, then 100% to the medical maximum. Out of ppo network: The plan pays 80% of the first $5k, then 100% to the medical maximum. Outside the United States:The plan pays 100%	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	Minimum: 5 days Maximum: 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	Up to $10k	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	$50k 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: Ages 14 days to 69 years: $50k Ages 70 to 79 years :$5k Worldwide Excluding the United States: Ages 14 days to 64 years: $50k Ages 65 to 74 years :$10k	Covers up to overall maximum limit, under age 80.Covers emergency medical evacuation up to $25k lifetime maximum (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	Members under age 18: Up to $5k lifetime maximum. Members age 18-69: Up to $25k lifetime maximum. Members age 70-74: Up to $12.5k lifetime maximum. Members age 75 and older: Up to $6,250 lifetime maximum. $250k maximum benefit any one family or group. Accidental death & dismemberment 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. Travel Medical Plus 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. With minimum $50k coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.	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	AM Best Rating: "A" (Excellent)	AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-
Brochure and Details	» Travel Medical Plus Insurance Brochure » Travel Medical Plus Insurance Details » Travel Medical Plus Insurance Reviews	» Atlas Premium Insurance Brochure Atlas Premium Insurance Details Atlas Premium Insurance Reviews

Compare Travel Medical Plus vs Atlas Premium insurance

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 Plus 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 Plus 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 to consider while 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 Plus insurance:

Compare medical maximum coverage:

This is the maximum coverage that the plan would offer for the medical expenses. Atlas America insurance offers maximum coverage up to 2 million and Travel Medical Plus insurance offers coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum. Atlas Premium offers $20k maximum for older travelers above 80 years while Travel Medical Plus insurance offers $15k maximum for older travelers above 80 years.

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

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.

Compare coinsurance options:

Atlas America insurance

plan pays 100%

Travel Medical Plus Insurance

In PPO network:
Out PPO network:

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 Plus Insurance can be renewed up to a total of 364 days.

Compare eligibility options:

Both these US visitor insurance plans offer comprehensive medical coverage to travelers outside their home country.

Acute onset of Pre-existing conditions coverage:

Atlas Premium insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Travel Medical Plus Insurance offers acute onset of pre-existing conditions up to 79 years.

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

Atlas Premium
Yes
Yes
Up to $25k
Yes
$0 to $5k
AM Best Rating: A++
Yes
Lloyd's
WorldTrips
Buy Now

Travel Medical Plus
Yes
Yes
Yes, covers up to 70 years
Yes
$0 to $5k
"A" Excellent
Yes
Crum & Forster SPC
Seven Corners
Buy Now

Atlas Premium Insurance - Key Highlights

The deductible options for this plan are $0, $100, $250, $500, $1k , $2.5k and $5k per Certificate period
The policy maximum options available with this plan are $50k, $100k ,$250k ,$500k , $1M or $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50k and $100k and for people above 80 the only option is $20k.
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 $1.5k 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 - $100k per member, age 70 to 74 - $25k and for age 75+ $12.5k.
Emergency Medical Evacuation is covered for $1M lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

Travel Medical Plus 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 $50k, $100k, $500k and $1M for ages 14 days to 69 years.
For people of age 70 to 79 years, the policy maximum options are $50k and $100k.
For ages 80 years and over, the policy maximum option of $10k is available.
The deductible options are $0,$100,$250,$500,$1k,$5k.
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 $10k and then 100% upto the medical maximum. For outside the US, the plan pays 100%.
The Benefit period is 180 days.
For the acute onset of pre-existing condition coverage, there is a waiting period of 7 days anf 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.
For emergency medical evacuation and repatriation, coverage of $500k is available(separate from medical maximum).
Covid-19 treatment is available as URC up to medical maximum.

Travel Medical Plus 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 74 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 $50k, $100k, $500k,$1M,$2M and $5M for ages 14 days to 64 years.
For age range of 65 to 74 years, the policy maximum options are $50k and $100k.
For age range of 14 days to 64 years the deductible options are $0,$100,$250,$500,$1k,$5k.
For age range of 65 to 74 years the deductible options are $0,$250,$500,$1k,$5k.
The plan pays 100% for co-insurance.
The Benefit period is 180 days.
For the acute onset of pre-existing condition coverage, there is a waiting period of 3 days and for the age range of 14 days to 64 years, $50k coverage is available and for the age range of 65 to 74 years, $10k coverage is available.
For emergency medical evacuation and repatriation, coverage $500k is available(separate from medical maximum).
Covid-19 treatment is available as URC up to medical maximum for ages 14 days to 64 years and $100k is available for ages 65 to 74 years.

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Travel Medical Plus vs Atlas Premium Insurance - FAQs

Travel Medical Plus Insurance - FAQ's

Is Seven Corners a real insurance company? Is Seven Corners Legit? Is Seven Corners a good insurance company?

Seven Corners Inc. has been offering travel insurance products since 1997. Seven Corners travel insurance is based out of Carmel, Indiana has over 200 employees and offers both domestic and international travel insurance plans . With their Travel Medical insurance and Inbound USA insurance products Seven Corners insurance provides travelers with health coverage ,safety and security for travelers away from home country and with the US. It caters to different types of travelers coming to the United States such as on B1 visa, students on F1 visa and professionals on the H1B visa. They also offer travel insurance coverage for US travelers who want trip cancellation insurance for travel insurance.

Does Travel Medical Plus plan cover COVID-19?

Yes. See the schedule of benefits and benefit highlights in this brochure for details. Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.

What is the eligibility to buy Travel Medical Plus Insurance?

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

Is there coverage for Covid-19 illness in WorldTrips travel insurance?

WorldTrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. 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.

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.

What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?

WorldTrips covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority. Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.

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 cover covid illness?

worldTrips Covid19 travel insurance by Atlas Premium travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
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:

Visitor visa or Tourist Visa

Student visa (F1 visa)

J visa (exchange scholar visa)

H1B work visa

Fiancee visa

Compare Travel health insurance USA

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Atlas Insurance plans

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 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.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!

Compare Travel Medical Plus vs Atlas Premium Travel insurance

How much does visitor health insurance USA cost?

Seven Corners vs WorldTrips visitor insurance cost comparison

Compare Travel Medical Plus vs Atlas Premium insurance

Factors to consider while comparing WorldTrips and Seven Corners insurance

Compare medical maximum coverage:

Compare deductible options:

Compare provider network:

Compare coinsurance options:

Contrast the renewability options:

Compare eligibility options:

Acute onset of Pre-existing conditions coverage:

Atlas Premium Insurance - Key Highlights

Travel Medical Plus Coverage including USA - Key Highlights

Travel Medical Plus Coverage excluding USA - Key Highlights

Compare other popular short term travel health insurance cost to USA plans

Travel Medical Plus vs Atlas Premium Insurance - FAQs

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