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Atlas Premium International Travel Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: .

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details concisely, such as follows. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All the amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

Please use this high-level information as a guide only and do not make decisions solely based on this information. If you have any concerns, doubts or questions please call us for further details. It is not possible to represent all details of information in a concise manner; if there is any discrepancy between this information and the actual policy details, the policy details will prevail.

All the amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

General

Atlas Premium International
Comprehensive
After deductible, plan pays 100% to policy maximum.

Medical - Outpatient

To policy maximum
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.

Outside US: No copay.
To policy maximum

In US: Extra $200 copay for illness visit that does not result in hospital admission.

Outside US: No copay.
To policy maximum, 60 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Other Treatment And Services

90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
$50 per incident deductible, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum
when illness or injury results in hospitalization as inpatient
Only the complications of pregnancy, during first 26 weeks of pregnancy.
-
$50 maximum per day

Must be ordered in advance by physician.
Acute onset only.
For persons under 70: Medical up to policy maximum.
70–79: To policy maximum or $100,000 (lower amount).
Medical evacuation up to $25,000.
-

Dental

$300 - Not subject to deductible
To policy maximum

Life

Under 18: $5,000, Ages 18-69: $100,000, Ages 70-74: $12,500, Ages 75+: $6,250; maximum $250,000 per family or group.
Under 18: $10,000, Ages 18-69: $100,000, Ages 70-74: $25,000, Ages 75+: $12,500; maximum $250,000 per family or group.

Other

Included
Incidental: Per 3 month period US Residents get 15 days and Non-US Residents get 30 days
$100 per day
-
$500 per day, 5 day maximum for accommodations
$50,000 Eligible medical expenses only
Included

Plan Features

Before effective date, full refund.

After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 364 days maximum
$0
$0
Travel Delay of 12+ hours and unplanned overnight stay - $200/day, 2 days maximum.
Personal Liability: $100,000.
Crisis Response: $100,000 with $10,000 for Natural Disaster Evacuation.
Bedside Visit: $1,500.
Pet Return: $1,000.
Political Evacuation: $50,000.
Email
Postal Mail
Courier
Per Policy Period
$0
$100
$250
$500
$1,000
$2,500
$5,000
Lifetime Maximum
$20,000 80-99
$50,000 Up to 79
$100,000 Up to 79
$250,000 Up to 79
$500,000 Up to 69
$1,000,000 Up to 69
$2,000,000 Up to 69
Tokio Marine HCC - MIS Group
Lloyd's
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • Home country for IMG (Patriot products, Visitors Care) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Tokio Marine HCC - MIS Group (Atlas, VisitorSecure) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • Coverages shown are per person unless noted otherwise.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

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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New immigrant to USA?

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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Going on a vacation?

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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Are you an exchange visitor to USA?

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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Traveling to Europe?

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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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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