Visitors Protect vs Atlas America - Which travel insurance plan is better?

Compare travel insurance benefits offered by Visitors Protect insurance, Atlas America Insurance plans. These two US visitor insurance Atlas America vs Visitors Protect are comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions and Covid19 illness. Compare price and benefits to find the best US travel medical insurance plan for your needs.

IMG vs WorldTrips visitor insurance cost calculator

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Spouse
Start Date
End Date
Coverage
Citizenship
Compare Travel Plans
Visitors Protect vs Atlas Travel
Visitors Protect
Plan Maximum
Deductible
  Buy Now  
Atlas America
Plan Maximum
Deductible
Insurance Providers help
Medical Maximum Options help $50,000, $100,000, $250,000 Age 80+: $10,000
Age 65 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000.
Deductible Options help $250, $500, $1,000, $2,500, $5,000 $0, $100, $250, $500, $1000, $2500, $5000
Coinsurance help In Network: The plan pays 75% of the cost for eligible expenses
Out Network: The plan pays 60% in addition to the deductible.
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
Length of Coverage help 90 days up to 12 months. Minimum : 5 days
Maximum : 364 days
Renewability help Yes 364 Days
 Medical Benefits
Hospital room and board help Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services
Intensive care unit help
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
Up to the overall maximum limit.
Urgent Care Clinic help
In Network: $25 copay, 100% up to Policy Maximum
Out Network: $50 copay, 100% up to Policy Maximum
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.
 Emergency Services
Emergency local ambulance help
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Hospital emergency room help
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
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 help Up to $300(Unexpected pain or treatment due to an accident) Up to $300 (not subject to deductible or coinsurance)
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions help
In Network: Maximum limit through age 69: $25,000
Out Network: Maximum limit ages 70 and older: $20,000
Covers up to overall maximum limit, under age 80.Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
 Life
Accidental death & dismemberment help $25K principal sum, Not subject to deductible 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
 Evacuation
Emergency medical evacuation help
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
$1M lifetime maximum, except as provided under acute onset of pre-existing condition.
Emergency reunion help $100K maximum limit. Not subject to deductible Up to $100K, maximum of 15 days (not subject to deductible or coinsurance)
Return of mortal remains or cremation/burial help $25,000 maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.
Local Burial or Cremation Up to $5000 lifetime maximum Up to $5000 lifetime maximum
Return of minor children help $100,000 maximum limit. Not subject to deductible Up to $50,000 (not subject to deductible or coinsurance).
Natural disaster evacuation help Not Available Up to $250 a day for 5 days (not subject to deductible or coinsurance).
Unique Advantages
  • It is a comprehensive benefit insurance plan.
  • The plan is available for individuals traveling outside their country.
  • Limited pre-existing condition coverage.
  • It is a comprehensive plan.
  • AAtlas Travel 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.
 Travel Insurance
Underwriter SiriusPoint Specialty Insurance Corporation Lloyd's
Rating help AM Rating : A- A++ (Superior) Standard & Poor’s Rating: AA-
Brochure and Details

Compare Visitors Protect Insurance vs Atlas America Insurance

Visiting USA can be a great experience but an unfortunate event like sudden sickness or accident may arise. The health care cost for tourists to US is exceptionally high and the situation can be traumatic if the visitor doesn’t have US visitor medical insurance.There are many visitors insurance available online and it is a challenge to select 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 Visitors Protect insurance and Atlas America insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sicknes.

Best ways to travel abroad

These visitors insurance plans are quite popular among international tourists to USA and are from top rated insurance providers. Visitors Protect insurance is administered by International Medical Group (IMG) with AM Best Rating: "A-". It has been offering health insurance products to customers in 130 countries. Atlas America 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?
  • Eligible for OPT students?
  • Eligible for H1 B Visa holders?
  • Covers Acute onset of Pre-existing?
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Visitors Protect
  • $449
  • Yes
  • Yes
  • No
  • No
  • Yes, covers up to 99 years
  • Yes
  • $250 to $5000
  • A-
  • Yes
  • SiriusPoint
  • IMG
  • Buy Now
  • Atlas America
  • $78
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes, covers up to 80 years
  • Yes
  • $0 to $5000
  • "A" Excellent
  • Yes
  • Lloyds, London
  • WorldTrips
  • Buy Now

*Visitors Protect cost for 45 years traveler; $500,000 maximum coverage; $250 deductible.

*Atlas America cost for 45 years traveler; $50,000 maximum coverage; $250 deductible.

How much does TAtlas America Insurance vs Visitors Protect insurance cost per month?

Both Atlas America Insurance vs Visitors Protect 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 Atlas America Insurance vs Visitors Protect.

Visitors Protect

Travelers Age Maximum $500K Maximum $1M
40 - 49 $449 $562
50 - 59 $668 $835
60 - 69 $954 $1195
70 - 79 $2295 N/A
Age 80 and above $2947 N/A

Atlas America

Travelers Age Maximum $50K Maximum $100K
40 - 49 $78 $96
50 - 59 $131 $161
60 - 64 $177 $226
65 - 69 $206 $258
70 - 79 $356 $444

Visitors Protect vs Atlas America Insurance - FAQs

  • Visitors Protect Insurance - FAQ's

    How does Visitors Protect insurance work?

    Visitors Protect Insurance is an affordable comprehensive benefit American visitors medical insurance plan provides coverage for international visitors traveling from their home country to the U.S., Canada, and Mexico. This plan covers pre-existing conditions.. Purchase must be done before departing the country of residence if your destination is the U.S.


    How to buy Visitors Protect travel medical insurance?

    Customers can buy Visitors Protect insurance on American Visitor Insurance by completing the online application. You can get coverage for primary, spouse and your children(dependents) on one application. After completing the online application you can to pay using your Credit Card and once the transaction is completed successfully, you will receive a confirmation email from IMG with the identification card, declaration of insurance and Certificate of insurance outlining the details of the plan.


    Is IMG travel insurance legit? Is IMG a real insurance company?

    International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.


    How can a visitor use Visitors Protect insurance in case of emergency in USA?

    Travelers can review this article on how to use Visitors Protect insurance in case of emergency in USA.


    How can I buy IMG visitors care online?
    1. Complete your online application. If applying as a family, you may include yourself, your spouse, and your dependents on one application.
    2. 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!

    Which is the most affordable plan offered by International medical group?

    Visitors Protect is a comprehensive benefit plans and most affordable plan by IMG. This plan has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.


    Does Visitors Protect insurance covers Pre-existing conditions?

    Yes. Visitor Protect travel medical insurance covers temporary medical coverage with pre-existing conditions up to 99 years with deductible of $1,500 per injury or illness. For ages up to 69 years this plan covers up to $25,000 and for ages 70 and above it covers up to $20,000.


    Does IMG travel insurance cover Covid?

    Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates./p>


    Does IMG sell Cancel for Any Reason Insurance?

    Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.


    What does IMG insurance stand for?

    International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.


    Is IMG a good travel insurance company?

    International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

  • WorldTrips Atlas America 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.


    How much does Atlas america travel insurance cost?
    The Worldtrips Atlas America insurance for visitors cost 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.

    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 visitors to USA buy Atlas America insurance who are already in USA for quite some time?

    Yes, Atlas America insurance is a good option for visitors to US who have been here for some time and do not have a current insurance coverage. It is also an excellent plan for international students who are on the OPT status, H1B visa holders and for Spouses of H1B visa holders on the H4 visa status.


    Does Atlas America insurance offer coverage for sports?

    Atlas America covers eligible injuries and illness incurred while taking part in many popular vacation sports - skiing, snowboarding, snorkelling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.


    Does Atlas America offer coverage for maternity?

    Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.


    Can I extend my medical coverage from Atlas America insurance if I want to extend my duration of stay in USA?

    Yes, US Visitors who had initially bought for less than 364 days can renew Atlas America insurance online up to 364 days.


    Does Atlas America insurance cover pre-existing conditions?

    Atlas America is a best travel insurance pre existing conditions Insurance that offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It excludes coverage for chronic and congenital conditions. For visitors aged up to 70 years, it offers coverage up to overall maximum limit. Visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100K, whichever is lower.


    How to use Atlas America visitor medical insurance in case of emergency in the United states?

    Visitors can review this article on how to use Atlas America visitor medical insurance in case of emergency in the United States.


    Does the Atlas America plan cover 100% outside PPO. Does it cover outside the United States and pay100% inside and outside PPO?

    The Atlas America plan covers 100% of the expenses outside PPO. Yes, it provides worldwide coverage including and excluding USA.


    What are the US state and country restrictions to buy Atlas America Visitors Insurance plan?

    The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.


    How does Atlas America insurance offer coverage for medical expenses?

    Atlas America insurance offers comprehensive coverage for visitors to USA. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “First Health care network or United health care.”. When Traveling Outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Atlas America insurance pays 100% up to maximum limit. For detailed working example of how it works, you can review Atlas America insurance working example.


    Does Atlas America 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:

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Review travel medical insurance plans - Blogs and articles

Visitors Protect Insurance

IMG Visitors Protect insurance plan is designed specifically for individuals and families traveling from their home country to the U.S., Canada, and Mexico. This temporary medical insurance includes coverage for pre-existing conditions up to 99 years.

Read more

Atlas America Insurance

Atlas America insurance is a travel medical insurance plan for visitors to the US. It is an ideal visitor medical insurance for parents visiting USA and foreign tourists to the United States.

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Which are the best travel insurance companies in USA?

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.

Which are the best visitors insurance companies in USA?

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