| Insurance Providers |
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| Covid19 Coverage |
Not Covered
Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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Atlas Premium Insurance covers eligible costs related to COVID-19 |
| Eligibility |
People travelling outside their home country whose destination includes the US and its territories.
People outside their home country whose destination excludes the United States or its territories.
| Atlas Premium Insurance
Non-US Citizens traveling outside their home country. |
| Medical Maximum Options |
Worldwide including US (Patriot America Lite)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Age 14 days to 69: $$50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000 |
Age 80 or older - $20,000
Age 65 to 79 - $50,000, $100,000
All others - $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000. |
| Acute Onset of Pre-existing Condition |
Patriot America Lite: Not Covered
Covers up to maximum limit, under the age of 70 years.
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Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions) |
| Coinsurance? |
Coverage in USA
In PPO - Plan pays 100% of eligible expenses.
Outside PPO - Plan pays 80% of eligible expenses up to $5,000, then 100% .
Coverage outside US
Plan pays 100% of eligible expenses.
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Coverage in USA
In PPO - Plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Outside PPO - Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Coverage outside US
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
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| Medical Benefits |
| Hospital room and board |
Average semi-private room rate up to the maximum limit. Includes nursing service |
Average semi-private room rate, including nursing services. |
| Intensive care unit |
Up to the overall maximum limit |
Up to the overall maximum limit |
| Urgent Care Clinic |
$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
$15 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay |
| Outpatient physical therapy and chiropractic care |
Up to the maximum limit |
Up to $50 maximum per day. Must be ordered in advance by a physician (not subject to deductible or coinsurance). |
| Hospital indemnity |
$250 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
| Emergency Services |
| Emergency local ambulance |
Up to the maximum limit |
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
| Hospital emergency room |
Outside the U.S: No co-payment.
Inside the U.S: Up to $250 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: 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 |
$300 maximum limit due to accident or unexpected pain to sound natural teeth |
Up to $300 (not subject to deductible or coinsurance).d |
| Evacuation |
| Emergency medical evacuation |
Up to the maximum limit. Not subject to deductible |
Up to $1,000,000 lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition. Not subject to deductible or overall maximum limit.0 |
| Emergency reunion |
$100,000 maximum limit. Not subject to deductible |
Up to $150,000 subject to a maximum of 15 days (not subject to deductible ) |
| Return of mortal remains or cremation/burial |
Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible |
Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.0 |
| Return of minor children |
$100,000 maximum limit. Not subject to deductible |
Up to $50,000 (not subject to deductible or coinsurance). |
| Political evacuation and repatriation |
$100,000 maximum limit. Not subject to deductible |
Up to $150,000 lifetime maximum (not subject to deductible ) |
| Natural disaster evacuation |
$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s propertyle |
Up to $100,000 lifetime maximum
Up to $100,000 third person injury
Up to $100,000 third person property
Up to $2,500 related third person property |
| Terrorism |
Up to $50,000 lifetime maximum for eligible medical expenses only. |
$50,000 maximum limit. Not subject to deductible |
| Natural disaster evacuation |
$25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company) |
Up to $500 a day for 5 days (not subject to deductible ). |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
Patriot America Lite: Not Covered
Under 70 years of age,with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
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Covers up to overall maximum limit, under age 80.Covers emergency medical evacuation up to $25,000 lifetime maximum (excludes chronic and congenital conditions)
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| Life |
| AD&D |
$50,000 principal sum. |
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 |
| Common carrier AD&D |
$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible |
Up to $50,000 for ages 18 through 69
Up to $10,000 under age 18
Up to $25,000 for ages 70 through 74
Up to $12,500 for ages 75 and older
Maximum of $250,000 for any one family or group. |
| Travel Insurance |
| Underwriter |
Patriot Travel Insurance Underwriter
Sirius International Insurance Corporation |
Atlas Premium Travel Insurance Insurance Underwriter Lloyd's |
| Rating |
Patriot Travel Insurance Rating
AM Best Rating: "A" (Excellent) |
Atlas Premium Travel Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA- |
| Brochure and Details |
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Best Travel insurance for Covid - Know more
