Patriot America Plus vs. Atlas America Insurance

Patriot America Plus and Atlas America visitors insurance plans have certain similarities, but both plans are not for everyone. Patriot America Plus and Atlas America are both comprehensive coverage plans, which means they are percentage-based policies. Both of these plans are good for international travelers who are non-US citizens visiting the US or other foreign countries.

Patriot America Plus and Atlas America have PPO networks and offer acute onset of pre-existing conditions coverage for travelers under the age of 70. They are both available for travelers over the age of 80, although the policy maximum for these travelers is low. For more details about the difference between Patriot America Plus and Atlas America, refer to the comparison chart below.

Patriot America Plus
  • Administered by IMG
  • Up to 2 years of coverage
  • Covers up to $500,000 for acute onset of pre-existing conditions coverage for travelers under the age of 70
  • Pays 90% of the first $5,000 within PPO network
  • Covers $100 for acute, unexpected dental pain


vs.
Atlas America
  • Administered by HCC MIS
  • Up to 364 days of coverage
  • Covers up to $1,000,000 for acute onset of pre-existing conditions for travelers under the age of 70
  • Pays 100% within PPO network with direct billing after the deductible is satisfied
  • Covers $250 for acute, unexpected dental pain


COMMON EXCLUSIONS (What's not covered)
  • Preventative care (immunizations, routine medical exams)
  • Injuries incurred from certain extreme sports and hazardous activities
  • Pregnancy and maternity care
  • Treatment for mental health disorders
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