Compare Atlas America vs Safe Travels Elite Insurance

Compare travel insurance benefits offered by Atlas America insurance, Safe Travels Elite Insurance plans. These US visitor insurance Safe Travels Elite is fixed benefit visitor insurance and Atlas America is a comprehensive benefit visitor insurance plan 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 Trawick International visitor insurance cost comparison

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Atlas Travel
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  Safe Travels Elite
Atlas America
Plan Maximum
Deductible
Covers covid19 illness
Safe Travels Elite
Plan Maximum
Deductible
Covers covid19 illness
Insurance Providers
Covid19 Coverage Covered Covered
Coinsurance Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. Not Available
Length of Coverage Minimum : 5 days
Maximum : 364 days
5 days to 365 days
Renewability Yes : Up to 364 days Yes : 5 days to 364 days
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services.
Economy: Up to $1.4k/day, 30 day maximum
Basic: Up to $2k/day, 30 day maximum
Silver: Up to $2k/day, 30 day maximum
Gold: Up to $2k/day, 30 day maximum
Platinum: Up to $3k/day, 30 day max
Diamond: $1.5k per day to a maximum of 30 days
Diamond Plus: $1.5k per day to a maximum of 30 days
Intensive care unit Up to the overall maximum limit
Economy: Additional $2.1k/ day, 10 day maximum
Basic: Additional $2.5k/ day, 8 day maximum
Silver: Additional $2.5k/ day, 8 day maximum
Gold: Additional $3k/ day, 8 day maximum
Platinum: Additional $4.5k/ day, 10 day maximum
Diamond: $2.3k per day to a maximum of 8 days
Diamond Plus: $2.3k per day to a maximum of 8 days
Hospital indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). Not Available
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.
Economy: Limited to $55 per visit, one visit per dayand 30 visits per Policy Period
Basic: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Silver: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Gold: Limited to $100 per visit, one visit per day and 30 visits per Policy Period
Platinum: Limited to $130 per visit, one visit per day and 30 visits per Policy Period
Diamond: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Diamond Plus: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
 Emergency Services
Emergency local ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Economy: $500 per Inciden
Basic: $650 per Incident
Silver: $650 per Incident
Gold: $650 per Incident
Platinum: $750 per Incident
Diamond: $650 per Incident
Diamond Plus: $650 per Incident
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)
Economy: $350 per Incident
Basic: $500 per Incident
Silver: $500 per Incident
Gold: $600 per Incident
Platinum: $800 per Incident
Diamond: $500 per Incident
Diamond Plus: $500 per Incident
 Dental
Emergency dental treatment Up to $300 (not subject to deductible or coinsurance).
Economy: $600 per Inciden
Basic: $750 per Incident
Silver: $750 per Incident
Gold: $750 per Incident
Platinum: $750 per Incident
Diamond: $750 per Incident
Diamond Plus: $750 per Incident
 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)
Economy: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Basic: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Silver: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Gold: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Platinum: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Diamond: For ages 70-79, up to $25k. For ages 80 and above, up to $15k /Coverage related to Cardiac Conditions or Stroke are limited to $15k
Diamond Plus: For ages 70-79, up to $25k. For ages 80 and above, up to $15k /Coverage related to Cardiac Conditions or Stroke are limited to $15,00
 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
Economy: $5k Principal Sum
Basic: $5k Principal Sum
Silver: $7.5k Principal Sum
Gold: $7.5k Principal Sum
Platinum: $10k Principal Sum
Diamond: $5k Principal Sum
Diamond Plus: $5k Principal Sum
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.
Economy: $25k Principal Sum
Basic: $25k Principal Sum
Silver: $35k Principal Sum
Gold: $35k Principal Sum
Platinum: $35k Principal Sum
Diamond: Not Available
Diamond Plus: Not Available
 Evacuation
Emergency medical evacuation $100k lifetime maximum, except as provided under acute onset of pre-existing condition.
Economy: $100k per Policy Period
Basic: $100k per Policy Period
Silver: $100k per Policy Period
Gold: Unlimited
Platinum: Unlimited
Diamond: $50k per Policy Period and $25k/Lifetime Maximum for Acute Onset over age of 80
Diamond Plus: $50k per Policy Period and $25k/Lifetime Maximum for Acute Onset over age of 80
Emergency reunion Up to $100k maximum of 15 days (not subject to deductible or coinsurance) Not Available
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.
Economy: $7.5k per Policy Period
Basic: $7.5k per Policy Period
Silver: $10k per Policy Period
Gold: $20k per Policy Period
Platinum: $25k per Policy Period
Diamond: $7.5k per Policy Period
Diamond Plus: $7.5k per Policy Period
Return of minor children Up to $50k (not subject to deductible or coinsurance).
Economy: $2.1k per day to a maximum of 10 days
Basic: $2.5k per day to a maximum of 8 days
Silver: $2.5k per day to a maximum of 8 days
Gold: $2.5k per day to a maximum of 8 days
Platinum: $4.5k per day to a maximum of 8 days
Diamond: $2.3k per day to a maximum of 8 days
Diamond Plus: $2.3k per day to a maximum of 8 days
Political evacuation and repatriation Up to $100k lifetime maximum (not subject to deductible or coinsurance).
Economy: $500 per Policy Period
Basic: $500 per Policy Period
Silver: $500 per Policy Period
Gold: $500 per Policy Period
Platinum: $500 per Policy Period
Diamond: $500 per Policy Period
Diamond Plus: $500 per Policy Period
Natural disaster evacuation Up to $250 a day for 5 days (not subject to deductible or coinsurance).
Economy: $5k per Policy Period
Basic: $5k per Policy Period
Silver: $7.5k per Policy Period
Gold: $7.5k per Policy Period
Platinum: $10k per Policy Period
Diamond: $5k per Policy Period
Diamond Plus: $5k per Policy Period
Trip interruption Up to $10k (not subject to deductible or coinsurance). Not Available
Terrorism Up to $50k lifetime maximum for eligible medical expenses only. Not Available
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.
  • It is a fixed benefit plan.
  • Acute onset of pre existing condition is covered up to 89 years.
  • Good provider network.
  • This elite plan has a $0 deductible.
 Travel Insurance
Underwriter Underwritten by Lloyds, London Underwritten by Crum & Forster, SPC
Rating AM Best Rating: A++ (Superior) Standard & Poor's Rating: AA- AM Best Rating: “A (Excellent)”
Brochure and Details
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Compare Safe Travels Elite vs Atlas America Insurance

Visitors to USA must be aware of the high health care costs and the drawbacks of not buying visitors medical insurance. A small injury or sickness in the US which lead to hospitalization can result in huge medical bills. If the international tourist has bought adequate visitor medical insurance, then it would be easy to clear all the medical bills and have a hassle free trip. Without visitors insurance for USA, the traveller may get stranded with an expensive medical bill which can be traumatic.

There are many visitor medical 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 Atlas America Insurance and Safe Travels Elite insurance offer excellent 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 America is administered by WorldTrips. which is a cheaper visitor insurance plan form Trawick international offers fixed benefit coverage.

Factors for comparing WorldTrips vs Trawick International travel insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Atlas America Safe travels elite visitors 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 Safe Travels Elite offers coverage up to $175k. 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 has a range of deductible option from $0 up to $5k while Safe Travels Elite insurance has $0 deductible option up to age 69 years and $100 and $200 are available for age up to 89 years.

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.

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, Safe Travels Elite insurance can be extended for a minimum of 5 days to 364 days.

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. Safe Travels Elite 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 Safe Travels Elite Insurance offers coverage up to the age of 89 years for acute onset of pre-existing conditions.

Average cost of the plans:

Safe Travels Elite 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
  • Safe Travels Elite
  • Yes
  • Yes
  • Yes, covers up to 89 years
  • Yes
  • $0
  • "A" Excellent
  • Yes
  • Crum & Forster SPC
  • Trawick International
  • 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 Safe Travels Elite - 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 $1M, 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:

  • Safe Travels Elite Insurance - FAQ's

    Is Trawick International insurance a legit company?

    Trawick International insurance reviews indicate that for 24 years now, Trawick insurance has been offering high-quality and affordable travel insurance products to meet all categories of clients who travel outside of their home country. Trawick International reviews show that it has designed their products for those traveling to the USA, individuals traveling abroad, US Citizens traveling within the USA and non-US citizens traveling overseas but not visiting the USA.


    Is Trawick International a good insurance company? Is Trawick International a reliable insurance company?

    Trawick International insurance is one of the most renowned US travel insurance company that was established in 1998. Trawick international offers a variety of International travel insurance, trip cancellation, Trip interruption and student insurance plans. Trawick insurance has been awarded with the highest honors from Forbes Advisor to be ranked first to be the Best Travel Insurance Companies. Trawick international insurance offers plans to meet diverse requirements with a premium to meet any budget.

    The travel insurance covers offered by Trawick International are perfect for employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips and vacationers. Travelers can customize Trawick insurance plans to cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay and lost baggage. They have a good worldwide network of physicians, hospitals and pharmacies that are very well recognized.


    Why should I buy travel insurance from Trawick International?

    Trawick insurance offers worldwide coverage on medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance and several products aimed mainly for travelers to the USA, individuals traveling abroad, US Citizens for domestic travelers within the USA and non US citizens traveling overseas outside of their home country except USA.


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

    Yes, Trawick international covid insurance is offered as short term comprehensive travel health insurance for covid as any other illness to international visitors to the USA and for US citizens traveling outside of the US borders. The Trawick Covid insurance coverage is given irrespective of the variant contracted.


    What is the coverage area of Trawick international travel insurance?

    Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.


    How much does Trawick international travel insurance cost?

    The cost of the Trawick international insurance will vary depending on the age of the traveler, the type of coverage and the duration of travel. Typically, travel health insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers and those seeking coverage for pre-existing conditions.


    How do I purchase Trawick international travel medical Insurance?

    You can purchase Trawick international insurance on American Visitor Insurance at buy Safe Travels Elite. you can also call them at (877)-340-7910 to get more information on how to apply for Trawick international travel health insurance from licensed insurance agents.


    Does Trawick International Safe Travels Elite Insurance cover covid? Does Safe Travels Elite Insurance cover coronavirus?

    Trawick International offers coverage for Covid19 illness. The Safe Travels Elite travel insurance covers Covid19 for coronavirus and will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. The eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.


    What is the advantage of buying Safe Travels Elite?

    Safe Travels Elite Insurance is an affordable Covid19 travel insurance. Safe Travels Elite Insurance Covid19 travel insurance by Trawick International for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.


    Who is eligible to enrol in the Safe Travels Elite travel insurance plan by Trawick international?

    The Safe Travels Elite travel insurance plan by Trawick international is available for foreign residents visiting USA and worldwide and for travelers up to the age of 89 years.

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 »

Trawick Safe Travels USA plans

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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.

Safe Travel insurance plans

Safe Travels Elite offers Scheduled Benefits accident and sickness medical coverage, is a fixed benefit , cheap US visitor medical insurance plan. The plan is available to foreign travelers coming to the US.

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
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