Atlas America vs Patriot America Plus will help you decide which plan meets your medical coverage needs. Among the visitors’ insurance plans these two are quite popular, especially for parents visiting the USA.
Atlas America and Patriot America Plus offer high medical coverage limits with policy maximums as high as $1mn. Did we mention that these plans are some of the most popular comprehensive medical coverage plans for international travelers offering comprehensive benefits?
Let us compare Atlas America vs. Patriot America Plus to understand the travel insurance benefits offered by both these visitor insurance plans to help you understand the best U.S. travel medical insurance plan for your travel needs.
Both plans ideally suited for:
Both these plans are amongst some of the best visitor insurance for the USA.
For those whose parents are visiting the USA knowing details of Visitors insurance will be helpful.
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The broad details of the plans:
When it comes to travel insurance, you have the option to either go for comprehensive coverage or limited coverage. Knowing the difference between comprehensive coverage and limited coverage makes it easier to decide which type of insurance coverage to select.
It is also important to know the overall maximum limit of the plan and also understand eligible medical expenses. Do note that some plans may provide worldwide coverage and some plans limit the insurance coverage to specific countries, if your travel to the USA includes other destinations you should pay attention to this part.
A travel insurance plan will only pay for what is defined as a covered illness or defined as eligible expenses in the policy document. While each travel medical insurance plan has an overall maximum limit the coverage limits for incidents may be capped per incident.
Listed below are the policy maximum limit with the elected overall maximum limit option and the maximum limit based on age restriction with other key limits.
Please read the policy document carefully before you decide to buy a travel insurance plan. It is important to know all coverage inclusions, exclusions, limits, and restrictions. This will help you avoid any disappointment in making a claim for medical benefits or other eligible medical expenses or travel-related expenses from your visitor medical insurance.
Emergency Medical Evacuation and other emergency services like emergency local ambulance, emergency room treatment, or emergency travel arrangements can dent a hole in your pocket. Understanding the need for medical evacuation travel insurance can be useful.
Let’s look at some key emergency coverage limits of Atlas America vs. Patriot America Plus travel medical insurance plans:
A reputed travel insurance company or provider will extend emergency travel assistance and other emergency services (If included in your plan).
Both WorldTrips (Atlas America) and International Medical Group (Patriot America Plus) are international health insurance providers and have expertise in these areas. You need a trusted provider by your side when you travel outside your home country.
If you purchase travel medical insurance it is relatively easy dealing with companies that have experience and have the logistics in place to deal with emergency situations.
Atlas America is a travel health insurance plan offering comprehensive coverage to foreign citizens who want to visit the US for various purposes such as visiting family and friends, tourism, study, etc.:
Patriot America Plus is a comprehensive travel insurance plan, designed for non-U.S. residents traveling to the USA. Here are some key details about the plan:
Both these travel insurance options are excellent comprehensive coverage choices as demonstrated by their popularity. You can also explore limited coverage plans like Visitor Secure or other comprehensive coverage plans like Safe Travels USA Cost Saver or Safe Travels USA Comprehensive.
Understand the differences between comprehensive coverage and limited coverage plans to decide which one is a better alternative for you: Comprehensive Coverage vs. Limited Coverage
The following are some factors and aspects you must look out for and compare between plans as an international tourist searching for visitor medical insurance:
An Insurance Company uses a network to manage healthcare costs. When an Insured person requires medical care and is admitted to a hospital or any medical facility, that is part of the insurance provider’s PPO network, the insurance company takes care of the patient’s medical care with lower out-of-pocket payouts. Networks provided by the plans compared:
Atlas Travel Insurance: United Healthcare PPO network
Patriot Travel Insurance: United Healthcare PPO network
Both Atlas America and Patriot America Plus insurance plans provide coverage for emergency medical evacuation. Here are some details about the emergency medical evacuation coverage for each plan
Atlas America Insurance:
Patriot America Plus Insurance:
It is important to note that the specific terms and conditions of the emergency medical evacuation coverage may vary depending on the policy and the insurance provider. Visitors to the US should carefully review the details of their chosen insurance plan to understand the specific coverage limits and exclusions for emergency medical evacuation. These plans (Atlas & Patriot) provide coverage for political evacuation and repatriations to the home country.
Both these plans are very similar and offer, excellent coverage for visitors to the USA.
These two plans are offered by different plan administrators
Both these plans are underwritten by different (independent companies) policy underwriters.
The major key difference between these plans is:
It is always a good practice to compare visitors’ insurance plans like Atlas America vs. Patriot America Plus Insurance plan, to review and find the best visitors’ health insurance for your parents and relatives visiting you in the United States
Atlas America and Patriot America Plus are two different travel health insurance plans for visitors to the USA.
When comparing the Atlas America and Patriot America Plus insurance plans, it is important to consider the following factors:
Coverage for pre-existing conditions:
Atlas America Insurance offers coverage for pre-existing conditions up to the age of 80 years and has a maximum coverage of 2 million. It is also administered by WorldTrips, a reputable insurance provider.
On the other hand, Patriot America Plus Insurance provides coverage for acute onset of pre-existing conditions and has a maximum coverage of 1 million.
Ultimately, the better insurance plan depends on your specific needs and preferences. It is recommended to carefully review the terms and conditions of both plans, including coverage limits, exclusions, and any additional benefits, to determine which one aligns better with your requirements.
Here are some key differences between the two plans:
Both Atlas America and Patriot America Plus policies offer coverage for the acute onset of pre-existing conditions for travelers. Acute onset of pre-existing conditions refers to a sudden and unexpected recurrence of a pre-existing condition that requires immediate medical attention.
The coverage for pre-existing conditions under these policies is subject to certain conditions and limitations.
Atlas America Insurance covers acute onset of non-chronic pre-existing conditions up to the chosen policy maximum, If treatment is obtained within 24 hours
Atlas America Insurance also covers acute onset of pre-existing conditions up to the age of 80 years
Patriot America Plus Insurance provides coverage for the acute onset of pre-existing conditions for travelers
Atlas America provides coverage for complications of pregnancy during the first 26 weeks of gestation. However, it is important to note that this benefit applies only to complications of pregnancy and not normal childbirth.
Visitors to the US who are pregnant or planning to become pregnant should carefully review the terms and conditions of the Atlas America policy to determine if it meets their needs.
The minimum age eligible to buy Atlas America Plan is at least 14 days old
You can buy Atlas America if you are a Non-US citizen, traveling outside your home country for 12 months or less
Some of the coverage offered by Atlas America:
For a complete detail refer policy document
Some exclusions from the plan are
For a complete list of exclusions, Refer your policy document
Some travel assistance services offered are:
For complete list and details refer policy document
The following are covered, If virus is contracted after the effective date of the policy,
COVID-19 vaccination/Booster and quarantine benefits are not covered