Safe Travels USA Comprehensive vs Atlas America: A Detailed Comparison 

If you are looking for a comprehensive visitor insurance plan for the U.S., you may come across two plans that look almost similar. They are Safe Travels USA Comprehensive and Atlas America. These plans are offered by Trawick International and World trips, respectively. If you need help choosing between the two, this article will compare the two plans and help you make an informed decision.

About Safe Travels USA Comprehensive Plan

Safe Travels USA Comprehensive is an affordable, comprehensive visitor insurance plan for US visitors that provides insurance for accidents, illness, emergency medical treatment, medical evacuation, repatriation of remains, trip interruption, baggage, accidental death, and dismemberment. The plan is designed for tourists traveling outside their home country or country of residence to the US and worldwide. This plan is not designed for US residents, citizens, and green card holders.  

Plan highlights: 

• The plan offers insurance for medical accidents and sickness up to $1,000,000 
• The plan includes coverage for emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, and AD&D (Accidental Death & Dismemberment). 
• COVID-19 is covered and treated as any other sickness 
• $125 doctor wellness visit benefit  
• It covers one episode for an acute onset of a pre-existing condition  
• In the network, deductible and co-insurance waived 
• Coverage from 5 days to 364 days (about 12 months)  
• It offers optional athletic sports coverage, return to home, AD&D upgrade. 

Note: The insurance plan benefits and premiums get updated from time to time.  Please review the latest benefits in the Safe Travels USA Comprehensive Plan Brochure.

About Atlas America Plan

Atlas America plan is designed for non-US residents coming to the US temporarily. It is meant for business professionals, nannies, international students, foreign tourists, exchange scholars on J visas, and more. The plan provides visitors with medical accidents and illnesses coverage for in-patient as well as out-patient visits, coverage for emergency medical treatment, political evacuation, repatriation of remains, trip interruption, baggage, accidental death, dismemberment, etc. 

Plan highlights: 

• The plan offers insurance for hospitalization, emergency room, office visits, and prescription drugs for accidents and illnesses up to $2,000,000 
• It covers emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, personal liability, and AD&D. 
• COVID-19 is covered and treated as any other sickness 
• It covers the acute onset of a non-chronic Pre-Existing Medical Condition 
• In the network, Co-insurance waived 
• The plan offers coverage for 5 days to 364 days (about 12 months) 
• $15 co-pay for Urgent Care 
• It has optional AD&D, personal liability, and crisis response coverage upgrades. 

Note: The insurance plan benefits and premiums get updated from time to time.  Please review the latest benefits in the Atlas America Plan Brochure.

Safe Travels USA Comprehensive vs Atlas America: A Quick Comparison

Category	Safe Travels USA Comprehensive	Atlas America
Plan type	Comprehensive	Comprehensive
Plan Benefits	Coverage for in-patient and out-patient medical accidents & illness up to $1 million, Evacuation, Repatriation of Remains, trip interruption, baggage, 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	Zurich Insurance Europe AG	Lloyds of London
PPO (Preferred Provider Organizations) Network	First Health 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, $250,000, $500,000, or $1,000,000 for ages under 65 years For ages 80 or older, the limit is $50,000; while for ages 65 to 79, you can choose from $50,000 or $100,000.	$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	In-network- $0 Per Policy Period Out of network -$0, $50, $100, $250, $500, $1,000, $2,500, $5,000 Per Policy Period	$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Coverage days	Coverage from 5 days to 364 days (about 12 months)	Coverage from 5 days to 364 days (about 12 months)
Co-insurance	Plan pays 100% up to policy maximum per year	100% of eligible expenses after the deductible up to the overall maximum limit.
Provider	Trawick International	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	Up to the selected policy medical maximum for semi-private room rate	Average semi-private room rate, including nursing services
Local ambulance	100%	Usual, reasonable, and customary charges when covered illness or injury results in hospitalization as an inpatient
Intensive care unit	Up to the selected policy medical maximum	Up to the overall maximum limit.
Pregnancy	Offers up to $1000 for emergency medical treatment of pregnancy.	Offers coverage for complications of pregnancy during the first 26 weeks of gestation.
Other eligible medical expenses	100% up to the policy maximum	Up to the chosen overall maximum limit.
Pre-existing condition	1 acute episode per pre-existing condition covered up to policy medical maximum for non-cardiac ($25,000 limit for cardiac) conditions for 69 years & under; Upon attaining age 70 Acute Onset of Pre-existing Condition benefits are not available.	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	100% up to $2,000,000 per Policy Period Medically necessary repatriation up to $15,000 $25,000 Maximum per Policy Period for any condition covered under Acute Onset of a Pre-existing Condition Benefit	Up to $1,000,000 lifetime maximum, except as provided under acute onset of a pre-existing condition.
Accidental Death & Dismemberment	Insured: $25,000 Principal Sum Spouse / Domestic Partner: $25,000 Principal Sum Dependent Child: $10,000 Principal Sum.	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 $250 for injury or pain to sound natural teeth	Up to $300 for Emergency Dental (Acute Onset of Pain to sound natural teeth)
Political evacuation	$25,000 per policy period	$ 100,000-lifetime maximum.
Mental/Nervous disorders	$2,500 per policy period	N/A
Natural disasters evacuation	$10,000 per policy period Up to $250 per day to a max of 5 days for Reasonable Expenses	Replacement accommodations up to $250 a day for up to 5 days
Repatriation of remains	100% up to $50,000 per Policy Period	Equal to the selected, overall maximum limit.
Emergency reunion	$15,000 per policy period	Up to $100,000, subject to a maximum of 15 days (about 2 weeks)
Return of minor children	$5,000 per policy period	Up to $50,000
Trip Interruption	$5,000 per policy period	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	Up to $75 per article; $1000 maximum	Up to $1000 for lost checked luggage
Pet return	N/A	Up to $1000
Optional upgrades	Follow Me Home/Home country Rider, adventure sports travel Coverage, 24 Hour AD&D upgrades.	AD&D, Personal Liability Coverage, Crisis Response coverage upgrades

Which insurance plan must you choose? 

Safe Travels USA Comprehensive and Atlas America are comprehensive, robust insurance plans designed to protect visitors coming to the US. Each plan has various levels of coverage and a schedule of benefits that protect you when you fall sick or injured in a foreign land. Moreover, visitors coming to the US are aware of the high healthcare costs that can be terrifying sometimes. It is a wise decision to buy an insurance policy to protect your finances. Compare the plans and choose what best fits your requirement. Or give us a call to buy a plan.