Atlas America vs Patriot America: A Comparison

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

In a world rife with unforeseen contingencies, travel insurance plans have emerged as a crucial part of our international travel itineraries.

They provide a safety net that can save you from significant financial strain that can result from accidents, illnesses, or other mishaps during your travels.

Today, we’ll be looking at two of the most popular travel insurance plans: Atlas America and Patriot America.

Both are designed by reputable insurers with rich histories, but they differ in several key aspects that could influence your purchasing decision.

This article aims to provide an in-depth comparison between these two plans, from their history to their best features, to why travelers like or dislike them.

Parent Company History

Let’s compare the two parent companies.

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.

Atlas America

Atlas America’s plan is offered by Tokio Marine HCC – MIS Group, an industry leader with an international presence.

Established in 1979, the company enjoys an excellent reputation in the insurance field, backed by a robust financial rating of “AA- (Very Strong)” from Standard & Poor’s and “A++ (Superior)” from A.M. Best Company.

Patriot America

On the other hand, Patriot America is a product of IMG (International Medical Group), a renowned global insurance provider that has been delivering world-class coverage solutions since 1989.

IMG holds an A (Excellent) rating from A.M. Best Company, reflecting its financial strength and stability.

Coverage Comparison

Both plans offer excellent coverage options, but there are some differences that travelers need to be aware of. Let’s delve deeper:

FeatureAtlas AmericaPatriot America
Maximum policy limit$50,000 to $2,000,000$50,000 to $1,000,000
Deductible$0 to $5,000$0 to $2,500
Pre-existing condition coverageYes, for acute onsetYes, for acute onset
Trip interruptionUp to $10,000Up to $10,000
Lost luggageUp to $1,000Up to $500
Emergency medical evacuationUp to $1,000,000Up to $1,000,000
Repatriation of remainsUp to $50,000Up to $50,000

(Note: These values are general, always check the specific policy wording for exact coverages and exclusions)

Best Features

Atlas America

Atlas America’s plan shines with its flexibility in policy limits, offering a wide range from $50,000 to $2,000,000. This range allows travelers to choose the coverage that best fits their needs and budget.

The plan also boasts an impressive lost luggage coverage up to $1,000, which is double that of Patriot America.

Patriot America

Patriot America, while having a slightly lower policy limit, makes up for this with its customer service and broad network of providers.

Furthermore, it maintains competitive coverage in many areas, such as trip interruption and emergency medical evacuation, matching the Atlas America plan.

What Travelers Say

Atlas America

Travelers often appreciate the extensive coverage provided by Atlas America, and its flexibility is highly valued among diverse groups of travelers.

However, some users have reported issues with the claims process, indicating that it can be time-consuming.

Patriot America

Patriot America receives accolades for its customer service, with many travelers noting the helpfulness of the customer service team.

The lower coverage limit for lost luggage and a slightly less flexible range of policy limits are commonly cited drawbacks.

Given their different strengths, both plans have a significant fan base among travelers. The decision often comes down to individual travel needs and the specifics of the trip.

Atlas America, with its higher policy limits, tends to be favored by those looking for more comprehensive coverage.

On the other hand, the excellent customer service and wide provider network of Patriot America make it a popular choice for those who value support and flexibility.

Which Plan is Better for Travelers with Medical Conditions?

If you’re a traveler with a pre-existing medical condition, it’s crucial to check the fine print of any travel insurance policy. Both Atlas America and Patriot America provide coverage for acute onset of pre-existing conditions, but the specifics can vary.

Atlas America may offer a higher policy limit for certain medical conditions, making it a preferred choice for some.

However, Patriot America’s broader network might mean easier access to a wide range of medical facilities, which can be vital for travelers with health concerns.


While both Atlas America and Patriot America are strong contenders in the travel insurance market, the final decision rests upon your individual needs, circumstances, and preferences.

If you’re a traveler who values extensive coverage and higher policy limits, Atlas America might be the right choice for you.

Its robust coverage options and the flexibility to adjust your policy limit according to your needs provide an additional layer of security and peace of mind.

However, if a responsive customer service team and a broad network of providers are your priority, you might find Patriot America to be a better fit.

Despite the lower policy limit for lost luggage, the quality of service and support offered by IMG are strong selling points for many travelers.

When deciding between the two, it’s crucial to remember that insurance is a highly personalized product.

It’s essential to understand your requirements, assess the risks you may face during your travels, and choose a plan that best mitigates those risks.

Frequently Asked Questions

Q1: Can I upgrade my coverage after the purchase with either of the plans?

Yes, both Atlas America and Patriot America allow for upgrades after the initial purchase, but conditions apply. Always check with the provider for specific details.

Q2: Are these plans renewable?

Both plans are renewable. However, the terms and conditions for renewal may differ. It’s advisable to check the specific renewal policies of each plan before purchase.

Q3: Do these plans cover COVID-19 related expenses?

As of now, both Atlas America and Patriot America cover COVID-19 related expenses, similar to any other new illness under their policies. However, policy details may change, so always verify this with the insurance company at the time of purchase.

Q4: Is the customer service available 24/7 for both plans?

Yes, both Atlas America and Patriot America provide 24/7 customer service.

In conclusion, both Atlas America and Patriot America provide solid insurance options that cater to a wide range of travelers.

Taking the time to compare their features and understand your needs will ensure you find the coverage that best suits your travel itinerary. Happy and safe travels!