As the cost of medical treatments is skyrocketing, health insurance has become imperative. It.Explore More
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.
- 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.
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.
- 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.
Safe Travels USA Comprehensive vs Atlas America: A Quick Comparison
|Category||Safe Travels USA Comprehensive||Atlas America|
|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||Crum and Foster||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||In Network – up to 100% Out of Network – 80% up to $5,000 Outside of US – up to 100%||100% of eligible expenses after the deductible up to the overall maximum limit.|
|Plan page||View Plan Page||View Plan Page|
|Ratings||AM Best Rating: “A+”||AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-|
|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 max for non-cardiac ($25,000 limit for cardiac) conditions for 69 years & under; covered up to $35,000 for non-cardiac ($15,000 limit for cardiac) conditions for 70 years & above.||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.
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