Atlas America vs Patriot America Plus

Always compare visitors insurance plans like Atlas America vs Patriot America Plus Insurance, this helps you to review plan benefits to find the best visitors health insurance for relatives or parents visiting the USA. Both are excellent coverage for visitors to USA and are very similar plans offered by two different plan administrators and also policy underwriters, which are all independent companies. The key difference between the two plans is that the Atlas America Insurance covers acute onset of pre-existing conditions up to the age of 80 years while Patriot America Plus Insurance only offers this benefit till only the age of 70 years.

Our extensive experience and research in Patriot America Plus vs Atlas America Insurance  plans has found the following highlighted options that are popular visitor medical insurance plans with best comprehensive coverage up to the plan maximum benefit selected at the time of purchase of the policy.

A summary of the differences between the Atlas America and Patriot America Plus visitor insurance plans are:

• Atlas America – Popular comprehensive plan includes acute-onset or sudden relapse of pre-existing condition coverage for ages below 80 years. For ages 65-79 years, maximum coverage choices limited to $50K or $100K USD, with pre-existing condition coverage maximum limited to $50K or $100K.  COVID-19 
• Patriot America Plus – Excellent comprehensive policy that has sudden relapse / acute-onset pre-existing condition benefits for ages below 70 years, also includes coronavirus being treated as any other included sickness, also includes injury coverage, maximum choices up to 1 million for ages below 70 years.  COVID-19 

The key differences between Atlas America and Patriot America Plus visitor insurance plans are:

1. Coverage for Acute Onset of Pre-Existing Conditions:
   • Atlas America covers acute onset of pre-existing conditions up to the policy maximum for those under age 80.
   • Patriot America Plus covers acute onset of pre-existing conditions up to the policy maximum only for those under age 70.
2. Maximum Coverage Amount Limits:
   • Atlas America offers higher maximum coverage limits of up to $2 million for those under 65, and up to $100,000 for ages 65-79.
   • Patriot America Plus has a lower maximum coverage limit of up to $1 million only, for ages below 70 years.
3. Deductible Options, a higher deductible chosen lowers premium costs for same maximum coverage amount selected.
   • Atlas America provides more deductible choices ranging from $0 to $5,000, with a very high deductible option with $5ooo.
   • Patriot America Plus has fewer deductible options from $0 to $2,500.
4. Preferred Provider Organization (PPO) Network:
   • Both plans waive the co-insurance costs if care is sought within the PPO network, this works out to a savings of up to $1000 (20% of $5000 in costs beyond chosen deductible).
   • Atlas America uses UnitedHealthcare Options PPO network for non-EU/non-US citizens, and the First Health Network for EU citizens.
   • Patriot America Plus uses the UnitedHealthcare PPO network.
5. Policy Underwriter:
   • Atlas America travel insurance is underwritten by Lloyd’s of London, one of the oldest underwriting companies in the world.
   • Patriot America Plus visitor insurance is underwritten by SiriusPoint Specialty Insurance Corporation.
6. Plan Administrator:
   • Atlas America is administered by WorldTrips Travel Insurance, a subsidiary of Tokio Marine HCC.
   • Patriot America Plus is administered by IMG (International Medical Group).