Atlas Group Insurance Vs. Patriot Group Insurance: A Detailed Comparison 

Traveling internationally opens doors to exciting adventures, but unexpected situations can arise. Travel medical insurance offers a safety net, mitigating financial risks associated with medical emergencies and trip disruptions. Atlas Group Insurance and Patriot Group Insurance are two prominent players in the travel insurance arena. Both offer a variety of plans, but which one suits your needs? Let us find out. 

Table of Contents: 

• Atlas Group Insurance Vs. Patriot Group Insurance 

• About Atlas Group Insurance 

• About Patriot Group Insurance 

• FAQs 

• Conclusion 

Atlas Group Insurance Vs. Patriot Group Insurance

Category	Atlas Group	Patriot Group
Plan type	Comprehensive	Comprehensive
Benefits	Covers hospitalization, urgent care, acute onset of non-chronic pre-existing conditions, emergency dental, emergency medical evacuation, repatriation of remains, AD&D, and more.	Choice of Lite, Plus or Platinum Covers hospitalization, urgent care, acute onset of non-chronic pre-existing conditions, emergency dental, emergency medical evacuation, repatriation of remains, AD&D, and more.
Underwriter	Lloyd’s	SiriusPoint
PPO	In the US, First Health Network or (if you are from the EU), United network	In the US, it follows the United Health Care PPO Network
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	Depending on the choice of plan: • Through age 64: up to $8,000,000, • Ages 65 to 69: up to $1,000,000 • Ages 70 to 79: up to $100,000 • Ages 80 and older: up to $20,000
Deductible	$0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period.	$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000 per choice of plan per Insured person, as indicated on the Declaration.
Coverage Days	5 days to 364 days (about 12 months)	5 days up to 12 months, renewable further up 2 years (Lite and Plus) or 3 years (Platinum)
Coinsurance	In-network, 100% of eligible expenses after the deductible up to the overall maximum limit.	In network, 100% of eligible expenses after the deductible up to the overall maximum limit.
Provider	World Trips	IMG Global
Brochure	View	View
Plan page	View Plan Page	View Plan Page
Ratings	A++ by A.M Best	A– (Excellent) by A.M. Best
Plan Features
Hospital room and board	Covers 100% up to the policy maximum in-network and 80% out of network. Includes, average semi-private room rate including nursing service.	Covers 100% up to the policy maximum in-network and 90% out of network. Includes average semi-private room rate, nursing service, miscellaneous and Ancillary services
Local ambulance	Usual, reasonable, and customary charges, only when covered illness or injury results in hospitalization as inpatient.	100% up to the policy maximum. Subject to deductible and coinsurance.
Intensive Care Unit	Up to the overall maximum limit	Up to the overall maximum limit
Emergency Dental	Up to $300, not subject to deductible	$300 for unexpected pain or Treatment due to an Accident. Covered up to policy maximum for a traumatic Dental Injury for treatment at a hospital due to an Accident
Emergency Eye Exam	Up to $150. $50 deductible per occurrence (plan deductible is waived).	Up to $150. $50 deductible per occurrence. Subject to coinsurance. Not applicable for treatment occurred in-network.
Acute onset of Pre-existing conditions	Covered upto the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation.	For non-US citizens, the maximum limit is $1,000,000 up to age 69 and under.
Emergency Medical Evacuations	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	Maximum Limit: $25,000. Insured Person must be under 70 years of age.
Accidental Death and Dismemberment	Under age 18 Lifetime Maximum – $5,000 Death – $5,000 Loss of 2 Limbs – $5,000 Loss of 1 Limb – $2,500 Ages 18 through 69 Lifetime Maximum – $25,000 Death – $25,000 Loss of 2 Limbs – $25,000 Loss of 1 Limb – $12,500 Ages 70 through 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	Principal Sum Maximum Limit: $50,000. Death must occur within 90 days (about 3 months) of the Accident. Accidental Death: 100% of Principal Sum Dismemberment: Sight of one eye: 50% One hand or one foot: 50% One hand and the loss of sight of one eye: 100% One foot and the loss of sight of one eye: 100% One hand and one foot: 100% Both hands or both feet: 100% Sight of both eyes: 100%
Political Evacuation	Covered up to $100,000 lifetime maximum, not subject to deductible	Covered up to 100% up to the maximum limit of $100,000.
Natural Disaster Evacuation	Replacement Accommodations- Up to $250 a day for 5 days, not subject to deductible.	Replacement Accommodations- Up to $250 a day for 5 days, not subject to deductible.
Repatriation of Remains	Equal to the elected overall maximum limit, not subject to deductible or coinsurance. This limit is for this benefit only and is not included in or subject to the overall maximum limit.	Coverage up to $100,000 maximum limit. Not subject to deductible or coinsurance.
Emergency Reunion	Covered up to $100,000, subject to a maximum of 15 days (about 2 weeks) – not subject to deductible	Maximum Limit: $100,000 • Maximum days: 15 • Meal maximum per day: $25 • Reasonable and necessary travel costs and accommodations • Approved in advance by the Company
Return of Minor Children	Covered up to $50,000, not subject to deductible	• Maximum Limit: $100,000 • Approved in advance by the Company
Trip Interruption	Covered up to $10,000, not subject to deductible	NA
Travel Delay	Covered up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days, not subject to deductible.	• The Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. If you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, nonrefundable payments or deposits that would otherwise be forfeited.
Lost Luggage	Covered up to $1,000 – not subject to deductible	$50 per item, $500 maximum limit. Not subject to deductible or co-insurance.
Border Entry Protection	Covered up to $500 if traveling on a valid B -2 visa and denied entrance at the U.S. border, not subject to deductible.	N/A
Optional Upgrades	Personal Liability Rider and Accidental Death & Dismemberment Rider	Adventure Sports Rider, Telehealth Rider, and Chaperone/Faculty Leader Replacement Rider

Atlas Group 

Atlas Group Insurance is a versatile plan designed to protect groups of all sizes traveling abroad. Whether you are a family vacationing together, a group of students embarking on a study program, or a company organizing a corporate retreat, it offers comprehensive coverage. Catering to US and non-US citizens, the plan accommodates a wide range of travelers, from young children to seniors. With flexible coverage options, it ensures that individuals with diverse needs find suitable protection. 

The plan highlights: 

• Overall maximum limit ranges from $50,000 to $2,000,000. 

• Deductible options range from $0 to $5,000 per certificate period. 

• Covers eligible medical expenses up to the maximum limit. 

• Covers Acute Onset of Pre-existing Conditions up to the overall maximum limit. 

• Covers Emergency Dental and Emergency Eye Exam. 

• Offers emergency travel benefits like Trip Interruption, Travel Delay, Lost Checked Luggage, Lost/Stolen Passport/Visa, and more. 

• Emergency Medical Evacuation up to $1,000,000 lifetime maximum. 

About the provider 

Founded in 1998, WorldTrips has been a pioneer in the travel insurance industry. As a member of the Tokio Marine HCC group, the company has leveraged its expertise to provide comprehensive travel protection to individuals, families, and groups worldwide. For over two decades, WorldTrips has been safeguarding journeys, offering a wide range of policies for diverse travel needs. Their commitment to customer satisfaction is evident in their round-the-clock emergency assistance and extensive global network. 

Patriot Group 

Patriot Group Plan is designed for US and non-US citizens for group travel outside your country of residence. Ideal for visitor groups and their dependents, international students, and study abroad groups for short-term travel insurance. The plan covers inpatient and outpatient medical insurance for visitors for illnesses and injuries. Includes hospital visits, Urgent Care visits, emergency medical evacuation, acts of terrorism, natural disasters, and more. 

The plan highlights: 

• Choice of deductibles from $0 to $2,500. 

• The maximum policy maximum ranges from $50,000  to $ 8 million depending on Lite, Plus and Platinum options. 

• Extensions options available from 24 continuous months with the Lite and Plus plans and up to 36 continuous months with the Platinum plan. 

• Coinsurance 100% up to the maximum limit in-network. 

• $25 copay for urgent care clinic and $15 copay for walk-in clinic. 

• Covers Laboratory, Radiology/X-ray, Chemotherapy/Radiation Therapy, Pre-admission Testing, Surgery, and Reconstructive Surgery up to the maximum limit. 

• Emergency Medical Evacuation up to $1,000,000. 

About the service provider 

IMG, a renowned provider of travel health insurance, offers the Patriot America Plus, Lite and Platinum plan specifically tailored for visitors to the United States and Patriot International Lite and Platinum for the international travel excluding the US. Designed to protect individuals, families, and groups, this plan provides comprehensive coverage for medical emergencies, including hospitalization, doctor visits, and prescription medications. With flexible coverage options and a focus on customer satisfaction, Patriot Group Travel ensures travelers have peace of mind during their  travel. 

FAQs 

1. Atlas Group: 

Who is eligible for Atlas Group Insurance? 

Atlas Group Insurance is designed for groups of five or more people traveling together. The policy is available to both US citizens travelling outside the US and non-US citizens visiting the United States. 

What types of groups are eligible for Atlas Group Insurance? 

The plan is suitable for various groups, including families, student groups, sports teams, corporate groups, and church groups traveling together. 

What happens if a group member needs to extend their stay? 

Depending on how the group plan is set up, the group member  renews the coverage or may need to purchase a new policy that covers only one person for the extended stay. Contact the insurance provider to discuss options and potential costs. 

Can I add or remove members from the group policy? 

Policy terms and conditions may or may not allow for adding or removing group members. Check with the insurance provider for specific guidelines and potential fees. 

What happens if a group member needs to return home early due to a medical emergency? 

Atlas Group Insurance typically covers emergency medical evacuation to the nearest qualified medical facility, not necessarily to the home.  Check the policy for specific coverage limits. 

2. Patriot Group 

Who is eligible for Patriot Group Insurance? 

Typically, groups of two or more individuals qualify for Patriot group insurance plans. The Patriot Group is available to both US and non-US citizens travelling outside their country of residence.  . 

What happens if a group member loses their luggage? 

Patriot Group Insurance plan includes lost luggage coverage subject to the following conditions.  

(1) the Insured Person must submit to the Company a copy of the Common Carrier’s claim form and other documentation as proof that the Insured Person’s Luggage was permanently lost  

(2) The Common Carrier must first reimburse the Insured Person the full amount legally required to pay for lost Checked Luggage, and proof of this reimbursement should be provided to the Company by the Insured Person. Lost Luggage benefits under this insurance will be provided only if the amount of the Insured Person’s loss suffered by Lost Luggage exceeds any reimbursement by the Common Carrier. 

In such cases, you can file a claim for reimbursement of lost or stolen belongings. 

Does Patriot Group Insurance cover pre-existing conditions? 

No,  pre-existing conditions are excluded from  Patriot Group Insurance.  The plan, however, provides  limited coverage for unexpected emergencies related to pre-existing conditions (acute onset of pre-existing conditions). Review the policy carefully. 

Can I cancel my Patriot Group Insurance policy and get a refund? 

 Full cancellation and refund will only be considered if the written request is received prior to the effective date of the coverage. 

After the effective date of the policy:  If the written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance, and a written partial refund request has been made: 

a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. 

b) If no claims have been filed with the Company, then 
(i) a cancellation fee of US $50 will be charged; and 
(ii) only full month premiums will be considered as refundable 

 Check the policy for details. 

How can I contact Patriot Group Insurance customer support? 

Once you apply for the plan, you will receive all your documents via the email you submit on the application form. These documents will provide you with all the numbers to reach Patriot Group Insurance  customer support team.  You can reach out to Customer Service for inquiries, claims, or policy-related questions. 

Conclusion 

Choosing the right group travel insurance plan is essential for a worry-free trip. By carefully considering factors like group size, activities, and budget, you can select a plan that offers adequate protection. Remember to read the policy documents thoroughly to understand coverage details, exclusions, and claims procedures. With the right insurance in place, you can focus on enjoying your group adventure without the stress of unforeseen emergencies. 

For more information, call the Visitor Guard®.