Atlas America vs Patriot America Plus vs Safe Travels USA Comprehensive

Always compare visitors insurance plans like Atlas America vs Patriot America Plus Insurance vs Safe Travels USA Comprehensive Insurance, this helps you to review the respective plan benefits to find the best visitors health insurance for tourists or relatives or parents visiting the USA. These plans offer excellent coverage for visitors to USA and are very similar plans offered by there different U.S. based plan administrators which also some of the leading policy underwriters, which are all independent companies. The key difference between the three plans is that the Atlas America covers acute onset of pre-existing conditions up to the age of 80 years, Patriot America Plus Insurance only offers this benefit till only the age of 70 years, while Safe Travels USA Comprehensive offers a lowered benefit above 70 years age (limited benefit for up to age 90 years). The other key difference between the plans is that the Atlas America and Patriot America Plus Insurance use either the UnitedHealthCare or FirstHealth as the PPO networks (based on residence country), while Safe Travels USA Comprehensive Insurance use only FirstHealth PPO network.

Our extensive experience and research in Patriot America Plus vs Atlas America Insurance vs Safe Travels USA Comprehensive 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.

• 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 
• Safe Travels USA Comprehensive – Travel medical plan that covers foreign nationals (non US-citizens/residents) below 90 years age while visiting the USA, covers Acute Onset of Pre-Existing conditions up to the policy maximum below age 70 years, and offers one Well Visit use per policy period.  COVID-19 

All the three plans Atlas America, Patriot America Plus, and Safe Travels USA Comprehensive are popular visitor medical insurance plans for travelers visiting the USA.

Here’s a comparison of their key features and differences:

• Atlas America
  • Covers acute onset of pre-existing conditions for ages below 80 years
  • Maximum coverage from $50K to $2 million, for ages below 65
  • For ages 65-79, maximum coverage limited to $50K or $100K
  • Ages 80+, maximum coverage limited to only $10K
  • Deductible choices from $0 to $5,000
  • COVID-19 testing and treatment included
  • Renewable and cancellable plan for 5 days to 364 days
  • Uses UnitedHealthcare or FirstHealth PPO networks
  • Underwritten by Lloyds of London
  • Administered by WorldTrips Travel Insurance
• Patriot America Plus
  • Covers acute onset of pre-existing conditions for ages below 70 years
  • Limits acute onset benefits above age of 70.
  • Maximum coverage from $50K to $1 million
  • Deductible choices from $0 to $2,500
  • Renewable and cancellable policy
  • Buy for 5 days to 364 days, renew up to 24 months
  • COVID-19 testing and treatment included
  • Uses UnitedHealthcare Options PPO network
  • Underwritten by SiriusPoint Specialty Insurance Corp.
  • Administered by IMG (International Medical Group)
• Safe Travels USA Comprehensive
  • Covers acute onset of pre-existing conditions up to policy maximum for ages below 70 years
  • COVID-19 testing and treatment included
  • Maximum coverage from $50K to $1 million (amounts vary by age)
  • Available for 5 days to 364 days, renewable up to 2 years
  • $125 doctor wellness visit benefit allowed once
  • Uses FirstHealth PPO network
  • Underwritten by Crum & Forster Insurance (C&F )
  • Administered by Trawick International

The key differences are the age limits for acute-onset pre-existing condition coverage, PPO network usage, maximum coverage amounts, deductible options, and additional benefits like wellness visits. Atlas America covers pre-existing conditions up to age 80, while Patriot America Plus, only offer this benefit up to age 70.

Safe Travels USA Comprehensive also offers acute-onset pre-existing condition coverage up to the medical policy maximum purchased per policy period, except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000. Upon attaining age 70 Acute Onset benefits will be reduced to a maximum of $35,000, except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $15,000 only.