Compare Visitors Insurance

There was a problem, please make the requested changes and submit again:

  • {{ error.message }}

Patriot America Lite vs Atlas Premium America Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Patriot America Lite vs Atlas Premium 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 prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

All 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.

The information below is a quick comparison of the plans you selected to compare. The quick comparison is comprised of coverages considered important and popular by our customers. You can use the quick comparison to easily narrow your plan search to plans deemed suitable for your needs.

This information should be used as a guide only, you should not make decisions solely using this information. If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

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

All 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.

The information below is a detailed comparison of the plans you have chosen to compare. The detailed comparison is an aid to help you familiarize yourself with plan coverages. The detailed comparison is not inclusive of all the coverages or details included in a plan. Do not make a decision based on this information alone.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

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

All 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

Patriot America Lite
After deductible, plan pays 100% (80% up to $5,000 outside the network, then 100%) to policy maximum.
Atlas Premium America
After deductible, plan pays 100% to policy maximum.

Medical - Outpatient

To policy maximum
Optional
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible. US-Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies.
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible. US-Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies.
To policy maximum In US: Extra $250 deductible for illness visit that does not result in hospital admission.
To policy maximum In US: Extra $250 deductible for illness visit that does not result in hospital admission.
To policy maximum or $250,000 maximum limit, whichever is lower; 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
Included
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
To policy maximum In US: Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum In US: Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 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
To policy maximum
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
To policy maximum
To policy maximum

Medical - Other Treatment And Services

-
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair
$50 per incident deductible, $150 maximum (plan deductible waived)
Optional: Adventure Sports, available for ages under 65.
To policy maximum for illness that results in hospitalization as inpatient or for injury.
-
-
To policy maximum Must be ordered in advance by physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
-
-
Excluded
Excluded
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 copay, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum when illness or injury results in hospitalization as inpatient.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$50 maximum per day
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
Acute onset only, for persons under 80: Medical up to policy maximum. Medical Evacuation up to $25,000.
Acute onset only, for persons under 80: Medical up to policy maximum. Medical Evacuation up to $25,000.
Included
Included

Dental

$300
To policy maximum
$300 - Not subject to deductible
$300 - Not subject to deductible

Travel

-
$10,000
-
-
$50 per item, $500 maximum
$100,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
-
-
-
-
-
$15,000
12+ hours: $200/day; 2 days maximum
Primary
12+ hours: $200/day; 2 days maximum
Primary
$50 per item, $2,000 maximum
$50,000
$150,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100
$100
$500
$500

Life

$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family.
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: 14 days after 30 days continuous coverage
$250 per night, maximum of 10 nights. Not available in U.S.
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included
Included
30 days per every 3-month period.
$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 $50 cancellation fee as long as no claims have been filed since the effective date.
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
Personal Liability: $25,000 Bedside Visit $1,500 Political Evacuation and Repatriation: $100,000 Pet Return: $1,000 Optional: Cell phone coverage Optional: Teladoc coverage
Email
Annual
$0 Up to 110
$100 Up to 110
$250 Up to 110
$500 Up to 110
$1,000 Up to 110
$2,500 Up to 110
Lifetime Maximum
$10,000 80-110
$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)
SiriusPoint Specialty Insurance Corporation
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.
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 12 months maximum
$0
$0
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: $150,000
Email
Postal Mail
Courier
Per Policy Period
$0 Up to 99
$100 Up to 99
$250 Up to 99
$500 Up to 99
$1,000 Up to 99
$2,500 Up to 99
$5,000 Up to 99
Lifetime Maximum
$20,000 80-99
$50,000 Up to 79
$100,000 Up to 79
$250,000 Up to 64
$500,000 Up to 64
$1,000,000 Up to 64
$2,000,000 Up to 64
WorldTrips
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.
  • The dash (-) in the fields above means Not Applicable (N/A).
  • Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Azimuth Risk Solutions (Beacon 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, 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.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).

Did you know?

Prices are regulated by law.

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

Learn More

Why buy insurance from Insubuy?

Same Price. Better Service.®

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

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

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

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More