Patriot International vs. Atlas International

While comparing different visitors insurance plans for your upcoming trip abroad, two plans that you may come across are Patriot International and Atlas International. Although these plans may seem very similar at first glance, there are some differences that should be noted before venturing into the purchasing process.

Both Patriot International and Atlas International are comprehensive coverage plans, meaning they provide percentage-based coverage for most eligible travel expenses. Outside the US and Canada, both of these plans pay 100% up to the policy maximum, after the deductible is satisfied. The key differences between the two plans are highlighted in the comparison chart below to help you choose the plan that best fits your travel medical insurance needs:

Patriot International
  • Administered by IMG
  • USA and International Coverage
  • Policy maximum options of $50,000, $100,000, $500,000, or $1 million or $2 million for ages 69 and under
  • Plan pays 100% in network after the deductible

  • Acute onset of pre-existing conditions not covered

     

vs.
Atlas International
  • Administered by HCC
  • International coverage only
  • Policy maximum options of $50,000, $100,000, $250,000, $500,000, or $1,000,000 for ages 69 and under, $250,000 for age 70-79
  • Plan pays 100% up to policy maximum
  • Coverage up to policy maximum for acute onset of pre-existing conditions for ages 69 and under, up to $100,000 for age 70-79


COMMON EXCLUSIONS (What's not covered)
  • Preventative Care (immunizations, routine medical exams)
  • Accidental death and dismemberment (AD&D) coverage
  • Terrorism coverage
  • Trip interruption coverage
  • Pregnancy and maternity care

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