Visitors Care Insurance vs Atlas Essential Insurance Reviews
International travelers visiting USA must be aware of the extremely high health care cost for visitors to USA. Hospitalization with expensive medical bills can be a terrifying without visitor insurance. Many insurance providers offer different visitor medical insurance for tourists to the US. It is prudent to compare US visitor insurance before buying travel health insurance for USA. Here the visitor can compare US visitor insurance cost of Atlas Essential insurance and Visitors care insurance plans by reviewing their unique Visitors medical insurance benefits.
There are many affordable visitor health insurance plans available from top rated insurance providers. Visitors Care 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. Atlas Essential is offered by WorldTrips which has been offering health insurance products to customers in 130 countries. It also has AM Best Rating: A++ (Superior) rating.
- FEATURES
- Cost*
- Coverage in USA?
- Parents/Seniors are eligible?
- Covers Acute onset of Pre-existing?
- Renewable and Cancellable?
- Deductible Choice
- A.M. Best Rating
- Covid coverage
- Underwriter
- Provider
- Buy now
- Visitors Care
- $33
- Yes
- Yes
- Yes, covers up to 70 years
- Yes
- $0 to $100
- A(Excellent)
- Yes
- SiriusPoint
- IMG
- Buy Now
- Atlas Essential
- $58
- Yes
- Yes
- Not Covered
- Yes
- $0 to $5000
- A++ Standard & Poor’s: AA-
- Yes
- Lloyd's
- WorldTrips
- Buy Now
*Cost for 45 years traveler; $50,000 maximum coverage; $250 deductible.
Visitors Care vs Atlas Essential Insurance: A Quick Comparison
Visitors Care Insurance
- Offers maximum coverage up to $100,000.
- Deductible options ranges from $0 to $100.
- Acute onset of pre-existing condition covered up to policy maximum
- Coverage available from 5 days to 364 days, renewable up to 2 years
- $50 cancellation fee after the effective date and the refund will be prorated based on the remaining coverage period. Full refund of premium before the effective date.
- Temporary fixed coverage health insurance for non-U.S. residents visiting the USA
- local_hospital
Urgent Care Clinic
$60 max per visit/10 visits max - dentistry
Dental Treatment
Up to $550 max per period of coverage - ambulance
Emergency Medical Evacuation and Repatriation
Up to $50,000 - stethoscope
Physician visits
$60 max per visit, 30 max visits - shopping_cartBuy Now
Atlas Essential Insurance
- Offers maximum coverage up to 1 million.
- Deductible options ranges from $0 to $5,000.
- The plan doesn't cover pre-existing condition.
- Renewable for up to 364 days.
- $25 cancellation fee after the effective date.
- Fewer benefits and lower coverage limits in exchange for a lower premium.
- 79 years old turing 80 during the coverage period, Atlas Essential plan does not affect coverage as long plan is purchased at age 79.
- local_hospital
Provider Network
- ward
Intensive care unit
Up to the overall maximum limit. - ambulance
Emergency Medical Evacuation
Up to $500,000 lifetime maximum - medical_services
Hospital room and board
Average semi-private room rate with nursing services - shopping_cartBuy Now
How much does Visitors Care vs Atlas Essential cost per month?
Both Visitors Care vs Atlas Essential provide excellent coverage for travelers visiting the US on a short-term basis. However, it's important to compare the two plans closely to determine which one best meets your specific needs.
You can compare cost for both Visitors Care vs Atlas Essential plans.
Visitors care vs Atlas Essential Travel Insurance - FAQs
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How does Visitors Care insurance work?
Visitors Care medical insurance for travel to usa offers coverage for medical expenses. Visitors Care Insurance has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan’s maximum coverage. The visitor when seeking treatment at a hospital, needs to pay the chosen deductible first, then the plan will start paying specific limits for the every medical expenses.
For detailed working example of how it works, you can IMG Visitors Care insurance reviews working example
How can a visitor use Visitors Care insurance in case of emergency in USA?
Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.
Does visitors care insurance cover pre-existing conditions?
Visitors Care health insurance provides coverage for acute onset of pre-existing conditions for people below 70 years of age. This means that if you have a sudden and unexpected recurrence of a pre-existing condition that is life-threatening or requires immediate medical attention, you may be covered up to the maximum limit of your plan. However, this coverage does not apply to chronic or congenital conditions, or conditions that gradually become worse over time.
Does IMG Visitors care insurance covers trip cancellation?
No, Visitors Care American visitor insurance does not cover trip cancellation insurance. It offers fixed benefits for various medical expenses, such as hospitalization, surgery, physician visits, and prescriptions. It also includes coverage for emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental trip. However, it does not cover any expenses related to trip cancellation, trip interruption, loss of passport, or baggage loss.
If you are looking for a travel insurance plan that covers trip cancellation, you may have to consider other options from IMG such as Travel SE, Travel LX or Travel Lite. These plans offer comprehensive coverage for trip cancellation, trip interruption, emergency medical care, and optional coverage for cancel for any reason.
Do I need to use a network provider to get treatment under Visitors Care health insurance?
No, you do not need to use a network provider to get treatment under Visitors Care health insurance. However, you may save money and reduce your out-of-pocket expenses if you use a provider in the First Health Network, which is one of the largest networks of hospitals and doctors in the U.S.
Find Provider Network »
How can I buy IMG visitors care online?
- Complete your online application. If applying as a family, you may include yourself, your spouse, and your dependents on one application.
- Receive a fulfillment kit that includes an identification card, declaration of insurance, and a Certificate of Insurance outlining the details of the plan. Welcome to the IMG family!
Can I cancel Visitors Care insurance?
Yes, Visitors Care insurance can be canceled, but the eligibility for a refund depends on the terms of the policy and the time of cancellation.
- Before effective date: Full refund of premium is available.
- After effective date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
What are the exclusions of Visitors Care insurance?
Some of the exclusions of Visitors Care insurance are:
- War, military action, terrorism, and related consequences.
- Pre-existing conditions, defined as a medical or health condition (whether physical or mental, regardless of the cause of the condition) that existed before the policy effective date.
- Preventative care, such as routine physical examinations and immunizations.
- Vision care, such as eye examinations, eyeglasses, contact lenses, or eye surgery.
- Dental care, except for dental injury or emergency dental treatment due to an accident.
- Maternity care, abortion, birth control, or infertility treatment.
- Mental health disorders, substance abuse, or suicide attempts.
- Sports and recreational activities that are hazardous or extreme.
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Does Atlas Essential Insurance cover pre-existing conditions?
No. Atlas Essential insurance does not cover pre-existing conditions.
How much does Atlas Essential America cost per month in USA?The cost of Atlas Essential America visitor medical insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit, the co-insurance and the deductible.
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k, $500k, $1M depending on the age of traveler.
Who is eligible for Atlas Essential America travel insurance?The Atlas Essential America Insurance is available for Non-US Citizens visiting USA.
Who is eligible for Atlas Essential International travel insurance?The Atlas Essential International Insurance is ideal for both Non US citizens and US citizens traveling outside their home country,excluding USA.
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?TAtlas 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.
How do I purchase Atlas Travel Medical Insurance?You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas Essential Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.
What are the requirements for applying for Atlas Travel Insurance?The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
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.
Why should I buy travel insurance from WorldTrips insurance?For anyone coming to the United States, you will need to have a visa issued in your passport to be allowed in to country unless you are a citizen of a country which is part of the US visa waiver program. The list of countries under the Visa waiver program are provided here. The category of visa that you need to apply for is dependent on the reason of your visit to the US. Atlas Premium insurance is very popular with visitors applying for any of these visas to the United States. Some of the Common US visas are :
Does Atlas Essential Insurance cover covid illness?WorldTrips Covid19 travel insurance by Atlas Essential 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.
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Review travel medical insurance - Blogs and articles
Visitors Care plan
Visitors Care Insurance is an affordable fixed benefit American visitors medical insurance plan for international travelers visiting United States of America. When you have parents, in laws, other family members or friends visiting the USA, It is a great insurance plan for their stay in America.
Read more »Atlas Essential plan
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.
Read more »