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Atlas America vs Patriot America Plus Insurance: A Detailed Comparison
Evacuation Travel broadens horizons, creates memories, and allows us to experience the world’s wonders..
Explore More If you are traveling to the US, you must buy a health insurance plan that can protect you during your stay. The reason behind buying an insurance plan is to save your finances in a foreign land, especially when you fall sick or get injured. Traveling to the US without a travel medical insurance plan can lead to different financial troubles. Plans like Atlas America and Patriot America Plus are popular among visitors coming to the US. Read on to learn more details about these plans.
Atlas America vs Patriot America Plus Insurance
| Category | Patriot America Plus | Atlas America |
|---|---|---|
| Plan type | Comprehensive | Comprehensive |
| Plan Benefits | Coverage for hospitalization, emergency room, office visits, prescription drugs, accidents, and illnesses up to $1 million, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, personal liability, and AD&D. | Coverage for hospitalization. Emergency Room, Office Visits and Prescription Drugs for accidents and illnesses up to $2,000,000, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, personal liability, and AD&D. |
| Underwriter | Sirius Specialty Insurance Corporation | Lloyds of London |
| PPO (Preferred Provider Organizations) Network | United HealthCare PPO network | United HealthCare for non-US and non-EU citizens. First Health Network for EU citizens coming to the US. |
| Policy maximum | $50,000, $100,000, $500,000, and $1 million. ($10,000 for above 80 years) | $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 for ages under 65 years. For ages 80 or older the limit is $10,000; while for ages 65 to 79 you can choose from $50,000 or $100,000. |
| Deductible | $0, $100, $250, $500, $1,000 or $2,500. | $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period |
| Coverage days | Coverage from 5 days to 12 months and then can be renewed up to 2 years for continuous coverage. | Coverage from 5 days to 364 days (about 12 months) |
| Co-insurance | In Network- up to 100% Out of Network- 80% up to 5000, and then 100% | 100% of eligible expenses after the deductible up to the overall maximum limit. |
| Provider | IMG (International Medical Group) | Worldtrips |
| Brochure | View | View |
| Plan page | View Plan Page | View Plan Page |
| Ratings | AM Best Rating: A- | AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA- |
| Plan features: | ||
| Hospital room and board | Average semi-private room rate, including nursing services | Average semi-private room rate, including nursing services |
| Local ambulance | Up to the maximum limit. Subject to deductible and coinsurance. | Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as inpatient |
| Intensive care unit | Up to the maximum limit. | Up to the overall maximum limit. |
| Pregnancy | N/A | Offers coverage for complications of pregnancy during the first 26 weeks of gestation. |
| Other eligible medical expenses | Up to the chosen overall maximum limit | Up to the chosen overall maximum limit. |
| Pre-existing condition | Covered up to the chosen policy maximum when treatment is obtained within 24 hours for acute onset of nonchronic pre-existing conditions under 70 years. | For ages under 80 years, the plan provides benefits for a non-chronic acute onset of a pre-existing condition up to the overall chosen maximum limit. |
| Emergency medical evacuation | Up to $1million | Up to $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. |
| Accidental Death & Dismemberment | $50,000 principal sum. (Death must occur within 90 days (about 3 months) of the accident) | Ages 18-69 Lifetime Maximum- $25,000 Death – $25,000 Loss of 2 Limbs – $25,000 Loss of 1 Limb – $12,500 Under 18 Lifetime Maximum – $5,000 Death – $5,000 Loss of 2 Limbs – $5,000 Loss of 1 Limb – $2,500 Ages 70-74 Lifetime Maximum – $12,500 Death – $12,500 Loss of 2 Limbs – $12,500 Loss of 1 Limb – $6,250 Ages 75 and older Lifetime Maximum – $6,250 Death – $6,250 Loss of 2 Limbs – $6,250 Loss of 1 Limb – $3,125 |
| Dental treatment | Up to $300 for Emergency Dental (Acute Onset of Pain to sound natural teeth). | Up to $300 for Emergency Dental (Acute Onset of Pain to sound natural teeth) |
| Political evacuation | $100,000 maximum limit. (Must be approved in advance by the company). | $100,000 lifetime maximum. |
| Mental/Nervous disorders | N/A | N/A |
| Natural disasters evacuation | $25,000 maximum limit. (Must be approved in advance by the company). | Replacement accommodations up to $250 a day for up to 5 days |
| Repatriation of remains | 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. (Must be approved in advance by the company). | Up to the selected overall maximum limit. |
| Emergency reunion | $100,000 maximum limit. (Must be approved in advance by the company). | Up to $100,000, subject to a maximum of 15 days (about 2 weeks) |
| Return of minor children | $100,000 maximum limit. (Must be approved in advance by the company) | Up to $50,000 |
| Trip Interruption | Up to 10,000 | Up to $10,000 |
| Trip delay | N/A | Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. |
| Lost luggage | $50 per item, $500 maximum limit. | Up to $1000 for lost checked luggage |
| Pet return | Up to $1000 maximum limit. For a pet cat/dog traveling with an insured person | Up to $1000 |
| Optional upgrades | Adventure Sports, Enhanced AD&D Rider, Evacuation Plus Rider, and Chaperone/Faculty Leader Replacement Rider | AD&D, Personal Liability Coverage, Crisis Response coverage upgrades |
Atlas America
If you are a non-US resident coming to the US for a temporary visit, Atlas America is for you. The policy is designed for business professionals, nannies, international students, foreign tourists, exchange scholars on J visas, and more. The plan provides coverage for medical treatment for accidents and illnesses for in-patient as well as out-patient visits, medical and political evacuation, repatriation of remains, trip interruption, baggage, accidental death, dismemberment, etc.
The plan highlights:
- Atlas America offers coverage for hospitalization, emergency room, office visits, prescription drugs, and medical expenses for accidents and illnesses up to $2,000,000.
- It covers emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, etc.
- COVID-19 is covered and treated as any other sickness.
- It covers the acute onset of a non-chronic pre-existing condition.
- Co-insurance is waived in-network.
- The plan offers coverage for 5 days to 364 days (about 12 months)
- $15 co-pay for Urgent Care
- It has optional AD&D (Accidental Death & Dismemberment), personal liability, and crisis response coverage upgrade.
About the service provider
WorldTrips was established in 1998 and is a member of the Tokio Marine HCC group of companies. This is the first insurance company to make its plans and services available online for individuals, groups, families, and companies worldwide. It provides a wide range of travel, medical, and trip cancellation insurance policies catered to different travelers’ needs. The company has been operating for over twenty years and boasts of offering travel medical insurance to over 130 countries and trip protection benefits to US residents. It also offers the right guidance and 24/7 emergency travel assistance during unexpected events.
Patriot America Plus
Are you a non-US resident and need medical insurance in the US? If yes, you can opt for Patriot America Plus. The policy is designed for parents, family, or friends visiting the US from their home country. It provides comprehensive and affordable visitor medical insurance that offers benefits such as hospitalization, prescription drugs, and urgent care visits. If you are looking for a plan that can cover you during a business or leisure trip, this policy is for you. Also, you get various maximum limits and deductible options.
The plan highlights:
- Coverage for medical illnesses and injuries for in-patient and out-patient treatment, hospitalization, ER (Emergency Room), doctor visits, and prescription drugs.
- The plan offers extra benefits like the acute onset of a non-chronic pre-existing condition, AD&D, Trip Interruption, Repatriation, Evacuation, and more.
- $25 copay for urgent care and $15 copay for the walk-in clinic.
- Co-insurance waived in-network.
- COVID-19 is covered as any other illness for travelers to the US.
- Coverage for non-chronic Acute Onset of Pre-Existing Conditions for people under 70 years.
- Follows the United HealthCare PPO Network.
- Customizable coverage to meet your needs with the Enhanced AD&D Rider, Evacuation Plus Rider, and Chaperone/Faculty Leader Replacement Rider.
- The plan is available for individuals 14 days (about 2 weeks) to 99 years.
- The plan can be bought for at least 5 days and up to 12 months initially and then renewed further up to a maximum of two years.
About the service provider
International Medical Group (IMG) provides travelers with the Patriot Travel Series plan. Though it offers several plans for US visitors, Patriot America Plus is the most popular one. The company offers adequate coverage that you need while visiting the US for leisure, business, and entertainment purposes. Tourists, students, overseas relatives, seniors, and adventure seekers can buy these plans and protect themselves from unforeseen illness or injury. IMG is a wonderful choice for short-term medical insurance, and the plans can be renewed for up to 24 to 36 continuous months. However, to qualify, you must be at least 14 days old.
Atlas America- FAQs
You are eligible for coverage if you are at least 14 days (about two weeks) old. You can choose between $50,000 to $2 million as your maximum limit if you are under 65. If you are 80 or older, you may get an overall maximum limit of up to $10,000. You can buy the plan from 5 days to 364 days (about 12 months).
If you are a non-US citizen traveling outside your home country for 12 months or less, you can buy Atlas America.
- Inpatient and outpatient charges are made by the hospital.
- Physician, radiologist, surgeon, anesthesiologist, and other medical specialists’ charges.
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
- Charges for prescription drugs for a covered injury or illness; not the replacement of lost or expired drugs.
- Charges of emergency local ambulance.
- Charges of dental treatment or surgery to restore or replace sound teeth that are lost or broken in an accident.
Check the brochure to know in detail.
Some travel assistance services that you can expect are medical referrals, assistance with prescription drug replacement, emergency travel arrangements, lost passport or travel documents assistance, embassy and consulate referrals, translation, and interpretation services, locate lost baggage, emergency travel and itinerary changes, etc.
Pre-existing conditions, pregnancy, childbirth, infertility, congenital condition, mental health disorders, venereal diseases, dental or vision treatment, acts of terrorism and war, and more are excluded from the plan. To know in detail, check the brochure.
Patriot America Plus- FAQs
While in the U.S, after the deductible is satisfied within the United Healthcare PPO network, the plan pays 100% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan pays 80% of the first $5,000 of eligible medical expenses then 100% thereafter. If you go to an Urgent Care, there is a copayment of $25 and no deductible.
Medical treatment and services related to COVID-19 and emergency medical evacuation for COVID-19 treatment can be covered if the virus is contracted after the effective date of the policy. Also, testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date. COVID-19 vaccination/booster and quarantine benefit are not covered.
You can sign-in to your account using the policy ID and date of birth of the primary policyholder. Find the plan you want to cancel and click cancel. Fill out the required fields and complete cancellation or simply send an email Allow 7-10 business days for processing and refund. The premium amount will be refunded the same way it was paid. If payment was made using a credit card, the refund will go to the same card.
If cancelled before the effective date, a $0 cancellation fee is applicable. You can get a full refund if the cancellation is done before the coverage begins, or done before the policy starts, If cancelled after the effective date, a $50 cancellation fee is applicable. A prorated refund is possible for the remaining full months if no claims have been filed.
To get reimbursed for covered medical expenses, you must file a claim. Send the completed claims form, copies of your passport, medical bills, and receipts to the insurance company. The claims department will review the claim, which can take anywhere from several weeks to a few months. If your claim is approved, you will be reimbursed for the eligible amount but if it is denied, you will have the option to appeal.
Conclusion
Traveling to the US without an insurance plan can lead to several financial struggles in the event of an unexpected mishap. So, buying a robust policy can save you eventually if you fall sick or get injured during a trip. Atlas America and Patriot America Plus are effective policies and are popular among international travelers. If you want to buy any of the above, contact Visitor Guard®.
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