Patriot America Plus vs. Atlas America Insurance

While the Patriot America Plus and Atlas America visitors insurance plans have certain similarities, each plan has its own key characteristics that may better fit your insurance needs depending on a number of factors. These plans are an excellent choice for international travelers who are visiting the U.S. Both Patriot America Plus and Atlas America are comprehensive insurance coverage plans, which means that they are percentage-based policies. In percentage-based policies, the insurance company will reimburse a certain percentage of the covered expenses, up to a specified limit or maximum.

Patriot America Plus and Atlas America are two insurance plans that provide coverage for acute onset of pre-existing conditions for travelers. To gain a better understanding of the distinctions between Patriot America Plus and Atlas America, please refer to the informative comparison chart provided below.

Patriot America Plus
  • Administered by IMG
  • Up to 2 years of coverage
  • Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
  • Available for U.S citizens living abroad and visiting the U.S for a short trip
  • Acute onset of pre-existing conditions coverage up to the maximum limit for travelers under age 70
  • Pays 100% within PPO network after deductible
  • Covers $300 for acute, unexpected dental pain


vs.
Atlas America
  • Administered by WorldTrips
  • Up to 364 days of coverage
  • Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
  • Covers up to the policy maximum for an acute onset of a pre-existing condition for those under the age of 80
  • Pays 100% after the deductible is satisfied in or out of network
  • 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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