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Compare Visitors Insurance

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Atlas Essential America vs Patriot GoTravel America Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Atlas Essential America vs Patriot GoTravel America Insurance

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.

Following is the high level comparison of various international medical insurance plans. Please use this comparison as a guide only and do not make any decisions solely based on this comparison. 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 in concise comparison such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.

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 Essential America
Within PPO network: After deductible, plan pays 75% up to policy maximum.

Outside PPO network: After deductible, plan pays Usual, Reasonable and Customary to policy maximum.
Patriot GoTravel America
In U.S./Canada: After deductible, plan pays 90% (80% outside network) up to $5,000 then 100% to policy maximum.

Outside U.S./Canada: After deductible, covered at 100% up to policy maximum.

Medical - Outpatient

75% to policy maximum
75% to policy maximum
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies.
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies.
To policy maximum

In US: Extra $200 copay for illness visit that does not result in hospital admission.
Inpatient: To policy maximum.
Outpatient: No coverage
Inpatient: To policy maximum.
Outpatient: No coverage
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum

Extra $250 copay if ER visit for an illness that does not result in direct hospital admission.
To policy maximum, 90 day supply per prescription.
To policy maximum, 90 day supply per prescription.
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
Same as any other eligible medical expense
To policy maximum
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
Same as any other eligible medical expense
To policy maximum

Medical - Other Treatment And Services

90 days
Same as any other eligible medical expense
Hospital bed or wheelchair: Rental, up to purchase prices.
-
Recreational: Included
To policy maximum, if covered injury/illness results in hospitalization admission.
-
-
Inpatient: To policy maximum
Outpatient: No coverage
-
-
6 months
Same as any other eligible medical expense
Hospital bed or wheelchair: Rental, up to purchase prices.
-
Optional
To policy maximum
-
-
To policy maximum
Sudden and Unexpected Reoccurrence: Up to age 64 $50,000; 65+ $2,500.
Sudden and Unexpected Reoccurrence: Up to age 64 $50,000; 65+ $2,500.

Life

-
-
$25,000
$50,000; Maximum $250,000 per family.

Other

Included
For every parent insured, one child under age 10 years is free. Maximum 2 children.
For every parent insured, one child under age 10 years is free. Maximum 2 children.
Incidental: Per 3 month period US Residents get 15 days and Non-US Residents get 30 days
-
-
-
$50,000
Included
Included
-
-
Incidental: 14 days after 30 days continuous coverage
$100 per night
$500
$100 per day, 5 day maximum
$50,000
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
-
Email
Postal Mail
Courier
Per Policy Period
$0
$100
$250
$500
$1,000
$2,500
$5,000
Lifetime Maximum
$10,000 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
Tokio Marine HCC - MIS Group
Tokio Marine HCC - MIS Group
Lloyd's
Lloyd's
Before effective date, full refund.

After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 2 years maximum
$0
$0
-
Email
Postal Mail
Courier
Annual
$0
$100
$250
$500
$1,000
$2,500
Lifetime Maximum
$10,000 80-120
$50,000 Up to 79
$100,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
International Medical Group (IMG)
International Medical Group (IMG)
Sirius International
Sirius International
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).
  • 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.
  • Home country for Seven Corners (Inbound products, Liaison products) - 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, home country is the country where you principally reside and receive regular mail.
  • Green Cover - Benefits shown here are for Part A and Part B purchased together; if only one part (either A or B) is purchased, then benefits will differ from those shown here.
  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).
  • Coverages shown are per person unless noted otherwise.

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Why purchase insurance from Insubuy®?

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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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