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Ask Our Specialists
I'm looking to purchase a 2 month comprehensive medical policy which can cover for Covid 19 treatment for a healthy 55 year old family member who will be visiting from outside the US. I'm debating between the Atlas America versus Patriot America Plus plans ($1 million policy with a $2,500 deductible). Besides the extra $100 cost for the Atlas America, the other downside seems to be that you have to get medical care within 24 hours for the acute onset of a pre-existing condition. The only upside for the Atlas America plan seems to be that it covers 100% after the deductible even for out-of network. Is there any other benefit for the Atlas American plan such as fewer claim denials, etc? Thank you!
Please note that for acute onset of pre-existing conditions coverage, you need to take the treatment within the next 24 hours and that is true in all the plans including in Patriot America Plus as well as in Atlas America.
You can compare Atlas America vs Patriot America Plus side-by-side.
If you have any further questions, please feel free to call us during our regular business hours and we would be glad to help you.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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You cannot find a lower price anywhere for the same product.
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There are many advantages in purchasing from Insubuy® and no disadvantages.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
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You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
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You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
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The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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