Atlas America vs Cover America Gold : Which is Better?

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

As seasoned or novice globetrotters, one thing we should all agree upon is that travel insurance is non-negotiable.

It’s the silent partner that has your back when things go awry.

And let’s face it, they sometimes do.

So today, we’ll delve into the depths of two popular travel insurance plans – Atlas America and Cover America Gold – to help you make an informed decision for your next adventure.


Atlas America

When we talk about reputation, Atlas America, offered by Tokio Marine HCC – MIS Group, has stood the test of time.

Born from an insurance group that has been in business for over 37 years, Atlas America offers robust travel insurance options that have made it a popular choice among travelers worldwide.

Cover America Gold

On the other side, we have Cover America Gold, a travel insurance product offered by Seven Corners.

This company, with over 25 years of experience in the travel insurance industry, has tailored its plans to suit a variety of traveler needs, thereby earning a spot in many travelers’ hearts.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Key Features

Let’s compare the key features of these plans.

Policy Maximums and Deductibles

Atlas America: Atlas America offers policy maximum options that range from $50,000 to $2,000,000 with a selection of deductible options from $0 to $5,000.

Cover America Gold: The policy maximum for Cover America Gold stands between $50,000 and $1,000,000 with a variety of deductible options that range from $0 to $2,500.


Both Atlas America and Cover America Gold offer coverage for a comprehensive list of benefits including medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment, terrorism, trip interruption, and lost luggage.

The specifics of each coverage and its limit varies depending on the chosen plan.

Pre-existing Conditions

Atlas America provides coverage for an acute onset of pre-existing conditions, while Cover America Gold offers coverage for sudden and unexpected recurrence of pre-existing conditions.

Both these plans are well-liked among travelers, although for different reasons.

Atlas America’s popularity is built on its broad coverage and high policy limits, offering a comprehensive protection that appeals to many.

Cover America Gold, on the other hand, has carved a niche for itself with its value-added services such as loss of passport and travel documents, and superior customer service.

Which Plan is Better for Travelers with Medical Conditions?

Travelers with medical conditions may find both plans suitable as both Atlas America and Cover America Gold offer coverage for acute onset or sudden recurrence of pre-existing conditions.

However, it’s crucial to read the fine print and understand the specific terms and conditions attached to each.

Price Point

The cost of the plan varies depending on various factors such as age, trip length, and chosen policy maximums and deductibles.

It’s essential to get a quote and compare the prices to see which offers better value for money.

Customer Support and Claim Process

Both providers have 24/7 customer support to assist with claims and emergencies.

The process for making a claim is straightforward for both providers, and they each offer online claim submission, which adds to the convenience.


Both Atlas America and Cover America Gold are well-rounded insurance plans offering a wide array of benefits.

They have their unique strengths, and the best plan for you depends on your individual travel needs and circumstances.

However, the ultimate decision lies in your hands.

So, weigh the options, consider your needs, and choose the plan that offers you the most peace of mind as you embark on your journey. Safe travels!

Frequently Asked Questions

Are the coverage limits the same for all ages in both Atlas America and Cover America Gold plans?

The coverage limits may vary depending on the age of the insured. Always check the policy details before purchasing.

Are there additional benefits to these plans that might sway my decision?

Yes, both plans offer additional benefits. For instance, Atlas America includes coverage for complications of pregnancy, while Cover America Gold offers value-added services such as Border Entry Protection and Natural Disaster Evacuation.

How do I make a claim if I need to use my travel insurance while abroad?

Both Atlas America and Cover America Gold offer online claim submissions. They each provide 24/7 customer service to guide you through the claims process and assist with any emergencies you may encounter.

What happens if I need to cancel my travel insurance policy?

Both insurance providers offer a review period (usually 10-14 days from the purchase date), during which you can cancel your policy for a full refund, provided you have not started your trip or filed a claim.

Can I extend my coverage if I decide to lengthen my trip?

Both Atlas America and Cover America Gold allow you to extend your coverage, given that the original policy has not expired and no claims have been made.

Check with the providers for specific terms and conditions.

Remember, the right travel insurance plan can turn a potentially disastrous situation into a minor hiccup, ensuring you enjoy your trip with peace of mind.

Be sure to review your specific needs, the policy details, and terms before deciding on the right plan for you.