Patriot America vs. Atlas America Insurance

In your search to buy visitors insurance, you may have come across two similar travel medical insurance plans: Patriot America and Atlas America. Both of these travel insurance policies are ideal for anyone traveling to the USA or other foreign countries, but it's important to understand the difference between Patriot America and Atlas America insurance plans before you buy.

Patriot America insurance and Atlas America insurance are both comprehensive insurance plans, which pay for 80% of the first $5,000 in medical expenses and 100% thereafter up to the policy maximum. Each travel insurance policy also has a PPO network . For more details about the differences between Patriot America and Atlas America insurance, refer to the comparison chart below.

Patriot America
  • Administered by IMG
  • Up to 2 years of coverage
  • No coverage for acute onset of pre-existing conditions

  • 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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