Atlas America Vs. Atlas Premium: A Detailed Comparison 

Selecting the right visitor insurance plan is essential for individuals traveling to the US. Among the popular options offered by reputable insurance providers, Atlas America and Atlas Premium stand out. In this comprehensive guide, we will have a detailed comparison of these two plans. 

Table of Contents: 

1. Atlas America- An Overview 
2. Atlas Premium- An Overview 
3. Know About the Insurance Provider 
4. Atlas America vs. Atlas Premium 
5. FAQs (Frequently Asked Questions) 
6. Conclusion 

Atlas America- An Overview 

The Atlas America plan is crafted to safeguard travelers from unforeseen medical incidents while visiting the US. Tailored for non-US citizens and residents journeying outside their home country for a brief period, it provides extensive coverage. 

This includes both in-patient and out-patient visits, medical ailments, emergency treatments, political evacuations, repatriation of remains, trip interruptions, baggage loss, accidental death and dismemberment, coverage for acts of terrorism, natural disasters, and additional benefits. 

With its comprehensive scope, Atlas America offers peace of mind to travelers, ensuring they are protected against a wide range of contingencies during their stay in the US. 

The plan highlights:  

• Policy maximum options range from $50,000 to $2,000,000 (varies by age). 
• Deductible choices vary from $0 to $5,000. 
• Covers acute onset of pre-existing conditions. 
• In-network, the plan pays 100% up to the policy maximum per year. 
• Hospital and doctor coverage extends up to the chosen policy maximum. 
• Dental emergency coverage up to $300. 
• Pregnancy complications covered up to the first 26 weeks (about 6 months). 
• Emergency medical evacuation coverage up to $100,000. 

Atlas Premium- An Overview 

The Atlas Premium Insurance Plan caters to both US and non-US Citizens aged at least 14 days (about 2 weeks) old traveling outside their home country. It is suitable for various individuals including parents and relatives visiting the USA, business professionals, nannies, international students, foreign tourists, Exchange Scholars on J visas, and more. 

This comprehensive plan offers coverage for medical accidents and illnesses, including in-patient and out-patient visits, emergency medical treatment, political evacuation, repatriation of remains, trip interruption, baggage loss, accidental death and dismemberment, acts of terrorism, natural disasters, and more. 

The plan highlights: 

• Policy maximum options range from $50,000 to $2,000,000 (varies by age). 
• Deductible choices vary from $0 to $5,000. 
• Covers acute onset of pre-existing conditions. 
• In-network, the plan pays 100% up to the policy maximum per year. 
• Hospital and doctor coverage extends up to the chosen policy maximum. 
• Dental emergency coverage up to $300. 
• Pregnancy complications covered up to the first 26 weeks (about 6 months). 
• Emergency medical evacuation coverage up to $100,000. 

WorldTrips- The Insurance Provider 

WorldTrips is established in 1998 and has been a pioneer in the insurance industry, revolutionizing the way insurance plans are accessed by offering online services. Affiliated with the Tokio Marine HCC group of companies, it has earned a reputation as a reliable provider of travel, medical, and trip cancellation insurance, serving individuals, families, groups, and businesses worldwide. 

For over two decades, WorldTrips has been committed to alleviating the impact of unforeseen medical emergencies and travel disruptions for travelers. Their comprehensive insurance plans provide access to top-notch healthcare, expert guidance, and 24/7 emergency travel assistance, ensuring a seamless experience during unexpected situations. 

Atlas America vs. Atlas Premium

Plan	Atlas America	Atlas Premium
Features:
Type	Comprehensive	Comprehensive
Underwriter	Llyod’s	Llyod’s
PPO	United HealthCare for non-US and non-EU citizens. First Health Network for EU citizens coming to the US.	United HealthCare for non-US and non-EU citizens. First Health Network for EU citizens coming to the US.
Provider	WorldTrips	WorldTrips
Policy Maximum	Age 80 or older – $10,000; Age 65 to 79 – $50,000 or $100,000; All others – $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000	Age 80 or older – $20,000; Age 65 to 79 – $50,000 or $100,000; All others – $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000.
Deductible	$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period	$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Coinsurance	100% of eligible expenses after the deductible up to the overall maximum limit.	100% of eligible expenses after the deductible up to the overall maximum limit.
Benefits:
Hospital Room and Board	Average semi-private room rate, including nursing services	Average semi-private room rate, including nursing services
ICU	Up to the overall maximum limit.	Up to the overall maximum limit.
Acute Onset of Pre-Existing Condition	Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation.	Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
Emergency Medical Evacuation	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)	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)
Repatriation of Remains	Equal to the elected overall maximum limit (not subject to deductible or coinsurance).	Equal to the elected overall maximum limit (not subject to deductible or coinsurance).
Emergency Reunion	Up to $100,000, subject to a maximum of 15 days (about 2 weeks) (not subject to deductible).	Up to $150,000, subject to a maximum of 15 days (about 2 weeks) (not subject to deductible).
Trip Interruption	Up to $10,000 (not subject to deductible)	Up to $15,000 (not subject to deductible)
Trip Delay	Up to $100 a day for up to 2 days after a 12-hour delay period requiring an unplanned overnight stay (not subject to deductible)	Up to $200 a day for up to 2 days after a 12-hour delay period requiring an unplanned overnight stay (not subject to deductible)
Lost Luggage	Up to $1000 (not subject to deductible).	Up to $2000 (not subject to deductible).
Political Evacuation	Up to $100,000 lifetime maximum (not subject to deductible).	Up to $150,000 lifetime maximum (not subject to deductible).

FAQs 

What is the difference between Atlas America and Atlas Premium plans? 

Atlas America is designed for travelers visiting the US, while Atlas Premium offers coverage for both international and US-based travelers. Atlas Premium has two options: Atlas Premium America and Atlas Premium International. 

Are there age restrictions for enrolling in Atlas America or Atlas Premium? 

No, there are no age restrictions for enrollment in either plan. 

What are the options for policy maximum for Atlas America and Atlas Premium? 

Both plans offer policy maximum options ranging from $50,000 to $2,000,000. 

Do Atlas America and Atlas Premium plans include coverage for dental emergencies? 

Yes, both plans offer coverage for dental emergencies up to a specified limit. 

Can I cancel my Atlas America or Atlas Premium plan and receive a refund? 

Yes, both plans typically allow for cancellation with a refund within a specified period from the date of purchase, provided that no claims have been filed and the cancellation request meets the policy terms. 

Conclusion 

Traveling to the US without insurance coverage can expose you to significant financial risks in the event of unexpected accidents or illnesses. Purchasing a comprehensive insurance policy is essential to protect yourself against potential medical expenses during your trip. 

Popular choices among international travelers include Atlas America and Atlas Premium insurance plans, both known for their effectiveness and reliability. If you are interested in purchasing either of these plans, do not hesitate to contact Visitor Guard®.