Insurance Providers | | | |
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 days | 5 days up to 12 months | 5 days to 364 days |
Renewability | Yes : Up to 364 days | Yes : Up to 24 months | Yes: 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 Benefits |
Hospital room and board | Average semi-private room rate, including nursing services. | Average semi-private room rate, including nursing services | URC to medical maximum |
Intensive care unit | Up to the overall maximum limit | Up to the overall maximum limit | URC to medical maximum |
Hospital 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 deductible |
Urgent 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-Pay | URC to medical maximum $20 copay |
Emergency Services |
Emergency local ambulance | Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. | Covered | Up to $10K |
Hospital 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 limit | URC to medical maximum up to $100 copay |
Dental |
Emergency 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 pain |
Acute Onset of Pre-Existing Condition |
Acute 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
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Life |
AD&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 plan |
Common 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 deductible | Primary Insured or Travel Companion $50K Principal Sum Eligible Dependent Children $10K Principal Sum Aggregate limit of $250K for total number of insureds on the plan |
Evacuation |
Emergency medical evacuation | $1M lifetime maximum, except as provided under acute onset of pre-existing condition. | Up to the Maximum Limit | Up to $500K |
Emergency 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 maximum |
Return 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 deductible | Up to $50K |
Return 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 deductible |
Political evacuation and repatriation | Up to $100K lifetime maximum (not subject to deductible or coinsurance). | $100K maximum limit. Not subject to deductible | $10K |
Natural 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 deductible |
Trip interruption | Up to $10K (not subject to deductible or coinsurance). | $10K maximum limit. Not subject to deductible | $5K maximum limit. Not subject to deductible |
Terrorism | Up to $50K lifetime maximum for eligible medical expenses only. | $50K maximum limit. Not subject to deductible | $25K maximum limit. Not subject to deductible |
Unique 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.
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Travel Insurance |
US Network of hospitals and doctors | » US PPO Network | » US PPO Network | » US PPO Network |
International Network of hospitals and doctors | » International PPO Network | » International PPO Network | » International PPO Network |
Underwriter | Lloyds, London. | Sirius International Insurance Corporation | Lloyd's of London |
Rating | AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA- | AM Best Rating: "A" (Excellent) | AM Best Rating: "A" (Excellent |
Brochure and Details | | | |