Atlas America vs Atlas Premium America

Always compare visitors insurance plans like Atlas America vs Atlas Premium America Insurance, this helps you to review plan benefits to find the best visitors insurance for relatives or parents visiting the USA. Both are excellent choices, but the Atlas Premium America policy is a high-end coverage option for visitors to USA. Both plans are plans offered by the same plan administrator – WorldTrips, and are also underwritten by Lloyd’s, one of the oldest underwriters in the world. The key difference between the two plans is that the Atlas Premium America policy is a high-end offering same maximum coverage amounts as the Atlas America plan (for ages below 65 years) of up to $2 million, whereas the Atlas Premium America policy adds features and benefits for the highly discerning travelers, offering elite benefits and includes liability coverage also.

Our extensive experience and research in Atlas America vs Atlas Premium America Insurance  plans has found the following highlighted options that are top-rated and best visitor medical insurance plans with best and elite comprehensive coverage options 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 
• Atlas Premium America – High-end comprehensive plan for visiting USA and/or intl. travel outside home country, generous maximum limits with liability coverage benefits also.  COVID-19 

The key advantages of Atlas Premium America visitor insurance are the higher maximum coverage limits available especially for ages over 80 years, no coinsurance requirement after the deductible, personal liability coverage, and higher dental coverage limit. However, Atlas America visitor insurance may be a more affordable option for most travelers visiting just the U.S. Both plans are underwritten by Lloyd’s of London and administered by WorldTrips Travel Insurance. Both policies also offer similar core travel medical benefits like emergency medical evacuation, repatriation of mortal remains, coverage for terrorism, included coverage for certain hazardous adventure sports, and much more as elaborated in the summary of benefits table in the plan brochure.

Here is a comparison of the key differences between the Atlas America and Atlas Premium America travel insurance plans:

• Atlas America
  • Designed specifically for non-U.S. citizens/residents traveling to the United States
  • Covers acute onset of pre-existing conditions for ages under 80 (limited to $50,000 or $100,000 maximum for ages 65-79)
  • Maximum coverage limit options from $50,000 to $2,000,000 for ages below 65 years,  65-80 limited to $50K or $100K, and limited to $10,000 only above age 80 years.
  • Coinsurance of 80% of eligible expenses after deductible is met, up to policy maximum
  • Dental coverage for emergency treatment of acute onset of pain up to $300
• Atlas Premium America
  • Comprehensive coverage for non-U.S. citizens/residents traveling to the U.S. or internationally
  • Covers acute onset of pre-existing conditions for ages under 80 (limited to $50,000 or $100,000 maximum for ages 65-79)
  • Maximum coverage limit options from $50,000 to $2,000,000 for ages below 65 years,  65-80 limited to $50K or $100K, and limited to a higher maximum coverage amount  of $20,000 only above age 80 years.
  • No coinsurance after deductible – 100% of eligible expenses covered up to policy maximum
  • Includes personal liability coverage up to $25,000
  • Higher dental coverage limit of $1,000 for emergency treatment