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.
Factors for comparing IMG vs WorldTrips travel insurance
Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Visitors Care insurance and Atlas Essential insurance:
01. Compare medical maximum coverage
This the maximum coverage that the plan would offer for the medical expenses. Visitors Care insurance offers coverage up to $100K while Atlas Essential insurance offers maximum coverage up to 2 million.
02. Compare deductible options
This is the initial amount the traveler needs to pay before the insurance actually start paying. Higher deductible have less premium than a plan with lower deductible. Visitors Care offer the deductible options of $0, $50 and $100. while Atlas Essential insurance has a range of deductible option from $0 up to $5K.
03. Compare provider network
This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . 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. Contrast the renewability options
Sometimes the travel plans may change and a US visitor may be required to extend their period of stay. Visitors Care Insurance can be renewed up to a total of 2 years while Atlas Essential Insurance can be renewed for 364 days.
05. Compare eligibility options
Visitors Care health insurance is available for non US citizens travelling outside their home country while Atlas Essential Insurance is a popular US visitor insurance plan that offers comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas Essential 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.
06. Pre-existing conditions coverage
Visitors Care Acute on set of pre-existing condition travel insurance- Covers up to 70 years.
- Not Available
Pre-existing conditions coverage comparision
| Pre-Existing FAQ's | Visitors Care | Atlas Essential |
|---|---|---|
| What is a Pre-Existing Condition definition? |
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. |
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? |
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| Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? | There is no look back period | 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? | Not Available | Covered up to age 70. |
- 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
- Visitors Care
- Yes
- Yes
- Yes, covers up to 70 years
- Yes
- $0 to $100
- A(Excellent)
- Yes
- SiriusPoint
- IMG
- Buy Now
- Atlas Essential
- Yes
- Yes
- Not Covered
- Yes
- $0 to $k
- A++ Standard & Poor’s: AA-
- Yes
- Lloyd's
- WorldTrips
- Buy Now
Key Highlights
Visitors care vs Atlas Essential Travel Insurance - FAQs
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Is IMG a good insurance company?
IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.
How does Visitors Care insurance work?Visitors Care insurance offers fixed benefit 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 review Visitors Care insurance working example
How can a visitor use Visitors Care insurance in case of emergency in USA?International Medical Group (IMG) offers the Patriot America Plus insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.
Can US citizens buy Visitors Care insurance?Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.
Which is the most affordable plan offered by International medical group?Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.
What is the visitors insurance coverage plan?A visitors travel insurance coverage plan provides coverage for travelers outside their home country for both long and short trips as opposed to domestic health insurance which cover offers protection for the insured within their home country .The visitors travel insurance offers protection both for medical and travel accidents and illness while on an international trip. The insured receive medical care and assistance for unexpected medical and travel events while travelling overseas.
Visitor health insurance coverage is available for all categories of the travelers like for vacationers, business men, Students, short visits and annual multi-trips depending on the duration of the stay and the visa type of the traveler.
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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.
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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.
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