Patriot Platinum International vs. Atlas International

When planning a trip abroad and shopping for visitors insurance, two plans that may strike your interest are Patriot Platinum International and Atlas International and when compared side by side, they may seem very similar. Despite their similarities, there are however many differences that are important to take note of in making your decision.

Patriot Platinum International and Atlas International are both comprehensive coverage plans that pay 100% up to the policy maximum, after the deductible is satisfied. The key differences between the two plans are featured in the comparison chart below to help you choose the plan that best fits your travel medical insurance needs:

Patriot Platinum International
  • Administered by IMG
  • USA and international coverage
  • Up to 36 months of coverage
  • Policy maximum options of $1,000,000, $5,000,000, or $8,000,000 for ages 69 and under
  • Acute onset of pre-existing conditions coverage up to $20,000 for travelers under the age of 65


vs.
Atlas International
  • Administered by HCC
  • International coverage only
  • Up to 12 months of coverage
  • Policy maximum options of $50,000, $100,000, $250,000, $500,000, $1 million or $2 million for ages 69 and under, $250,000 for age 70-79
  • Acute onset of pre-existing conditions coverage up to $2,000,000 for travelers under age 69 and $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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