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Compare Visitors Insurance

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Inbound Guest - $65,000 ($60,000 for 70+) vs Atlas Essential America Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Inbound Guest - $65,000 ($60,000 for 70+) vs Atlas Essential 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

Inbound Guest - $65,000 ($60,000 for 70+)
Fixed Coverage
Fixed Coverage
After deductible, plan pays fixed amounts for each procedure and you pay the difference.
After deductible, plan pays fixed amounts for each procedure and you pay the difference.
Atlas Essential America
Comprehensive
Comprehensive
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.
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.

Medical – Outpatient

Up to $65 per visit, 1/day, 10 visits maximum per injury/illness
Up to $65 per visit, 1/day, 10 visits maximum per injury/illness
Up to $395 ($300 for 70+) per injury/illness

No coverage if not of an emergency nature.
Up to $395 ($300 for 70+) per injury/illness

No coverage if not of an emergency nature.
Up to $125 ($250 for 70+) per period of coverage
Up to $125 ($250 for 70+) per period of coverage
Up to $465 ($480 for 70+), Additional $375 ($300 for 70+)- One CAT scan, PET scan or MRI
Up to $3,960 ($3,300 for 70+) per injury/illness
Up to $990 ($825 for 70+) per injury/illness
Up to $990 ($825 for 70+) per injury/illness
Up to $1,030 ($1,020 for 70+) per injury/illness
US Urgent Care: Deductible waived. $50 copay unless deductible is $0. Otherwise, to policy maximum.Coinsurance still applies.
US Urgent Care: Deductible waived. $50 copay unless deductible is $0. Otherwise, to policy maximum.Coinsurance still applies.
To policy maximum

Extra $200 copay if ER visit for an illness that does not result in direct hospital admission.
To policy maximum

Extra $200 copay if ER visit for an illness that does not result in direct hospital admission.
-
-
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum

Medical – Inpatient

Up to $1,565/day ($1,260 per day for 70+), 30 days maximum per injury/illness
Up to $2,285/day ($1,810 per day for 70+), 8 days maximum per injury/illness
Up to $3,960 ($3,300 for 70+) per injury/illness
Up to $990 ($825 for 70+) per injury/illness
Up to $990 ($825 for 70+) per injury/illness
Up to $65/visit, 1 per day, 30 visits maximum per injury/illness
Up to $465 ($480 for 70+) per injury/illness
Up to $1,100 ($775 for 70+) per injury/illness
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 Treatement And Services

182 days
Same as any other eligible medical expense
Hospital bed or wheelchair: Up to $1,300 ($1,200 for 70+) for rental, not to exceed purchase prices.
-
Up to $450 per injury/illness
-
Same as any other eligible medical expense
Up to $40 per visit, 1/day, 12 visits maximum per injury/illness
None
None
None
Acute onset only, for persons under age 70: Medical up to policy maximum; Medical Evacuation up to $25,000.
Acute onset only, for persons under age 70: Medical up to policy maximum; Medical Evacuation up to $25,000.
90 days
Same as any other eligible medical expense
To policy maximum
Included
To policy maximum, if covered injury/illness results in hospitalization admission.
-
-
Inpatient: To policy maximum
Outpatient: No coverage
Not covered
Not covered

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 to 180 days maximum
5 days minimum to 180 days maximum
$0
$0
Email
Postal Mail
Courier
Per Incident
$0 Up to 69
$50 Up to 69
$100 Up to 69
$200 70-99
Per Incident
$25,000 Up to 69
$40,000 70-99
$45,000 Up to 69
$60,000 70-99
$65,000 Up to 69
$85,000 Up to 69
$100,000 70-99
$120,000 Up to 69
Seven Corners
Seven Corners
Lloyds
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 maximum days for US residents. 365 days maximum for Non-US Citizens or residents whose travel doesn't include the US or US Territories.
5 days minimum up to 364 maximum days for US residents. 365 days maximum for Non-US Citizens or residents whose travel doesn't include the US or US Territories.
$0
$0
Email
Postal Mail
Courier
Per Policy Period
$0
$100
$250
$500
$1,000
$2,500
Lifetime Maximum
$10,000 80-99
$50,000 Up to 79
$100,000 Up to 79
$200,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
Tokio Marine HCC - MIS Group
Tokio Marine HCC - MIS Group
Lloyds
  • 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) - 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.
  • 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) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment. If you are a U.S. Citizen, the Home Country is always the United States. (*Excludes Liaison International)
  • 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.

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 would not be 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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