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Atlas America vs Patriot Platinum

Compare travel insurance benefits offered by Atlas America insurance, Patriot Platinum Insurance plans. These two US visitor insurance Patriot Platinum vs Atlas America 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.

How much does visitor health insurance USA cost?

WorldTrips vs IMG visitor insurance cost comparison

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Atlas Travel
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  Patriot Platinum
Atlas America
Plan Maximum
Deductible
Covers covid19 illness
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Patriot Platinum
Plan Maximum
Deductible
Patriot Platinum offers coverage for Covid19
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Insurance Providers
Covid19 Coverage Covered
Not Covered
Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
Coinsurance Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. In-network: The plan pays 100%
Out-of-network: The plan pays 80% of eligible expenses up to $5K, then 100% up to the Maximum Limit
Length of Coverage Minimum : 5 days
Maximum : 364 days		 5 days up to a 12 months period, until reaching a maximum of 36 continuous months
Renewability Yes : Up to 364 days Yes : 5 days up to a 12 months period
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services
Intensive care unit Up to the overall maximum limit Up to the overall maximum limit
Hospital indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Urgent Care Clinic 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.		 $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
 Emergency Services
Emergency local ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. Up to the maximum limit. Subject to deductible and coinsurance
Hospital emergency room 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)		 Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
 Dental
Emergency dental treatment Up to $300 (not subject to deductible or coinsurance). $300 maximum limit due to accident or unexpected pain to sound natural teeth
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions Under 80 years of age,covers up to overall maximum limit. covers up to $25K lifetime maximum (excludes chronic and congenital conditions)
Up to the maximum limit.(Insured person must be under 70 years of age)
United States citizens:
Age 64 and under without a primary health plan: Maximum limit: $20K
Age 64 and under with a primary health plan: Maximum limit: $1M
Age 65 through age 69: Maximum limit: $2.5K
Non-United States citizens:
Age 69 and under: Up to the period of coverage limit or $1M (whichever is lower)
 Life
AD&D 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 		$50K principal sum. Not subject to deductible
Common carrier AD&D 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.		 $25K per insured child, $100K per insured adult, $250K maximum limit per family. Not subject to deductible
 Evacuation
Emergency medical evacuation $1M lifetime maximum, except as provided under acute onset of pre-existing condition. Up to the Maximum Limit
Emergency reunion Up to $100K, maximum of 15 days (not subject to deductible or coinsurance) $100K maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit. Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5K maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children Up to $50K (not subject to deductible or coinsurance). $100K maximum limit. Not subject to deductible
Political evacuation and repatriation Up to $100K lifetime maximum (not subject to deductible or coinsurance). $100K maximum limit. Not subject to deductible
Natural disaster evacuation Up to $250 a day for 5 days (not subject to deductible or coinsurance). $25K maximum limit. Not subject to deductible (Must be approved in advance by the company)
Trip interruption Up to $10K (not subject to deductible or coinsurance). $10K maximum limit. Not subject to deductible
Terrorism Up to $50K lifetime maximum for eligible medical expenses only. $50K maximum limit. Not subject to deductible
Unique Advantages
  • Atlas America 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.
  • Optional coverage for adventure sports with purchase of the rider.
  • It is a comprehensive benefit plan.
  • Optional coverage for Enhanced AD&D rider.
  • Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
 Travel Insurance
US Network of hospitals and doctors » US PPO Network » US PPO Network
International Network of hospitals and doctors » International PPO Network » International PPO Network
Underwriter Underwritten by Lloyds, London Underwritten by Sirius International Insurance Corporation
Rating AM Best Rating: A++ (Superior) Standard & Poor's Rating: AA- AM Best Rating: "A" (Excellent)
Brochure and Details
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Compare Patriot Platinum vs Atlas America Insurance

Travelling to the US can be a great experience but an unfortunate emergency like sudden illness or accidental injuries can ruin your holiday or trip. The health care cost for visitors to US is very high and the situation can be traumatic if the tourist is without US visitor medical insurance. There are many visitors medical insurance offered by top insurance providers and it is a big task to choose the best international travel insurance for USA.

Visitor can compare US visitor insurance cost different travel insurance plan and select the one satisfying their requirements.

Atlas America insurance are quite popular among Non-US Citizens traveling outside their home country, is administered by WorldTrips Insurance and have the AM Best Rating of A++ (Superior). It has been offering health insurance products to customers in 130. Patriot Platinum Insurance is ideal for high end travelers offering coverage from $2 million up to $8 million. Patriot Platinum is renewable up to 3 years.

Factors for comparing WorldTrips vs IMG travel insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Atlas America vs Patriot Platinum travel insurance:

Compare medical maximum coverage:

This the maximum coverage expense that the plan would offer for the medical expenses. Atlas America offers maximum coverage up to 2 million, while Patriot Platinum offers coverage up to 8 million. The coverage may vary for older travelers with reduced plan maximum.

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. All of these plans offer a set of deductible options for the travelers to choose from. Atlas America insurance and Patriot Platinum insurance has deductible options from $0 up to $25K.

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.

Compare coinsurance options:

This is a percentage of the bill that the travel has to pay. Atlas America plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Patriot Platinum Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5K, then 100% and it pays 100% within provider 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 America insurance can be renewed for 364 days, Patriot Platinum insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 36 continuous months.

Compare eligibility options:

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas America 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. Patriot Platinum has some time restrictions in that it has to be bought within 30 days of arrival in the US.

Acute onset of Pre-existing conditions coverage:

Atlas America insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years while Patriot Platinum Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions.

Average cost of the plans:

Patriot Platinum Insurance and Atlas America Insurance

  • 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 America
  • Yes
  • Yes
  • Yes, covers up to 80 years
  • Yes
  • $0 to $250
  • "A" Excellent
  • Yes
  • Lloyds, London.
  • WorldTrips
  • Buy Now
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Atlas America vs Patriot Platinum - FAQs

  • 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.

    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.

    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:

  • Patriot Platinum Insurance - FAQ's

    What is acute onset of pre-existing condition?

    Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

    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.

    Does Patriot Platinum insurance cover Covid? Does Patriot Platinum insurance cover Coronavirus?

    Patriot Platinum covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot Platinum insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

    What are the benefits of Patriot Platinum insurance?

    Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum Insurance. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.

    How much does Patriot Platinum cost?

    The cost of Patriot Platinum insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit 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 $2M, $5M, $8M up to age 70.For people age above 70 years plan maximum is reduced o $20K.

    How do I purchase Patriot Platinum insurance?

    You can get the quotes and make an instant purchase of Patriot Platinum travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.

    What is the coverage area of Patriot Platinum insurance?

    Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.

    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.

    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.

Compare Travel health insurance USA

Review WorldTrips Atlas America Online

Compare WorldTrips travel insurance of Atlas America for specific benefit limits for different covered medical expenses... Click here to read more »

IMG Patriot Platinum travel insurance

We also offer IMG Patriot Platinum international travel insurance plans and can compare and buy online... Click here to read more »

Atlas America Insurance forum

Forum about Atlas Travel Insurance Policy Discussions, Atlas Travel Insurance for H4 visa holders... Click here to read more »

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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.

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Patriot insurance plans

Travel with one of the (IMG) Patriot travel insurance plans so that you can spend more time enjoying your international experience and less time worrying about your medical coverage.

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Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!

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