Atlas America insurance vs Patriot America Plus insurance vs Travel Medical insurance, IMG vs WorldTrips vs Seven Corners (2024)

Insurance Providers

Atlas America insurance vs Patriot America Plus insurance vs Travel Medical insurance, IMG vs WorldTrips vs Seven Corners (1)

Atlas America insurance vs Patriot America Plus insurance vs Travel Medical insurance, IMG vs WorldTrips vs Seven Corners (2)

Atlas America insurance vs Patriot America Plus insurance vs Travel Medical insurance, IMG vs WorldTrips vs Seven Corners (3)

Coinsurance Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.In-network: The plan pays 100%
Out-of-network: IMG pays 80% up to $5K, then 100%.In-network: The plan pays 90% of the first $5K,then 100% to the medical maximum.
Out-of-network: We pay 80% of the first $5K,then 100% to the medical maximum.Length of Coverage 5 days to 364 days5 days up to 12 months5 days to 364 daysRenewability Yes : Up to 364 days Yes : Up to 24 monthsYes: If you initially buy less than 364 days of coverage, you may buy additional time, from a minimum of 5 days to a total of 364 days. We will email you an extension (renewal) notice before your coverage expires, giving you the option to renew your plan. A $5 administrative fee is charged for each renewal.Medical BenefitsHospital room and board Average semi-private room rate, including nursing services.Average semi-private room rate, including nursing servicesURC to medical maximumIntensive care unit Up to the overall maximum limitUp to the overall maximum limitURC to medical maximumHospital indemnity $100 per day of inpatient hospitalization (not subject to deductible or coinsurance).$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible$150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductibleUrgent Care Clinic Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S. - No co-payment.$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-PayURC to medical maximum $20 copayEmergency ServicesEmergency local ambulance Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.CoveredUp to $10KHospital emergency room Outside the U.S: No co-payment.
Inside the U.S: Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limitURC to medical maximum up to $100 copayDentalEmergency dental treatment Up to $300 (not subject to deductible or coinsurance).$300 maximum limit due to accident or unexpected pain to sound natural teeth$250 maximum limit due to accident and $100 for sudden relief of painAcute Onset of Pre-Existing ConditionAcute Onset of Pre-Existing Conditions Under 80 years of age,covers up to overall maximum limit. covers up to $25K lifetime maximum (excludes chronic and congenital conditions)

Patriot America Lite: Not Covered

Under 70 years of age,with varying limits by age up to $1M. $25K maximum limit for medical evacuation.

Worldwide Including the United States:

With Cardiac Condition and/or Stroke

Ages 14 days to 64 years: $50K
Ages 65 to 74 years :$5K

Other than Cardiac Condition and/or Stroke:

Ages 14 days to 64 years: $75K
Ages 65 to 74 years :$7.5K

LifeAD&D Members under age 18: Up to $5K lifetime maximum.
Members age 18-69: Up to $25K lifetime maximum.
Members age 70-74: Up to $12.5K lifetime maximum.Members age 75 and older: Up to $6,250 lifetime maximum.
$250K maximum benefit any one family or group.
Accidental death & dismemberment buy up: $25K$50K principal sum.primary Insured or Travel Companion $25K Principal Sum
Eligible Dependent Children $5K Principal Sum
Aggregate limit of $250K for total number of insureds on the planCommon carrier AD&D Up to $50K for ages 18 through 69
Up to $10K under age 18
Up to $25K for ages 70 through 74
Up to $12.5K for ages 75 and older
Maximum of $250K for any one family or group.$25K per insured child, $100K per insured adult, $250K maximum limit per family. Not subject to deductiblePrimary Insured or Travel Companion $50K Principal Sum
Eligible Dependent Children $10K Principal Sum
Aggregate limit of $250K for total number of insureds on the planEvacuationEmergency medical evacuation $1M lifetime maximum, except as provided under acute onset of pre-existing condition.Up to the Maximum LimitUp to $500KEmergency reunion Up to $100K, maximum of 15 days (not subject to deductible or coinsurance)$100K maximum limit. Not subject to deductible$200 per day, 10-day limit $100K maximumReturn of mortal remains or cremation/burial Equal to the elected overall maximum limit - not subject to deductible or coinsurance or subject to the overall maximum limit.Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5K maximum limit for cremation or local burial at the place of death. Not subject to deductibleUp to $50KReturn of minor children Up to $50K (not subject to deductible or coinsurance).$100K maximum limit. Not subject to deductible$50K maximum limit. Not subject to deductiblePolitical evacuation and repatriation Up to $100K lifetime maximum (not subject to deductible or coinsurance).$100K maximum limit. Not subject to deductible$10KNatural disaster evacuation Up to $250 a day for 5 days (not subject to deductible or coinsurance).$25K maximum limit. Not subject to deductible (Must be approved in advance by the company)$50K maximum limit. Not subject to deductibleTrip interruption Up to $10K (not subject to deductible or coinsurance).$10K maximum limit. Not subject to deductible$5K maximum limit. Not subject to deductibleTerrorism Up to $50K lifetime maximum for eligible medical expenses only.$50K maximum limit. Not subject to deductible$25K maximum limit. Not subject to deductibleUnique Advantages

Atlas America Insurance is designed for travelers on H1B/H4 visa holders or students on OPT status.
Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.

Optional coverage for adventure sports with purchase of the rider.
It is a comprehensive benefit plan.
Optional coverage for Enhanced AD&D rider.
Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.

Comprehensive visitors insurance.
Travel Medical Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
Only one time deductible per period of coverage.
Cancellation and refund of full premium before policy start date.
With minimum $50K coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.

Travel InsuranceUS Network of hospitals and doctors» US PPO Network » US PPO Network » US PPO NetworkInternational Network of hospitals and doctors» International PPO Network » International PPO Network » International PPO NetworkUnderwriterLloyds, London.Sirius International Insurance CorporationLloyd's of LondonRating AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-AM Best Rating: "A" (Excellent)AM Best Rating: "A" (ExcellentBrochure and Details