For travelers looking to ensure comprehensive coverage while abroad, choosing between Atlas America and Safe Travels USA is no easy task. Both provide worldwide coverage with an array of packages, varying in terms of coverage and cost.
To make the decision easier, this article provides a detailed comparison of the two policies side-by-side. We’ll review what’s included in each one, as well as how they stack up when it comes to medical coverage, duration, customer service, and more.
Two of the most popular travel insurance plans for tourists visiting the US are Safe Travels USA Comprehensive and Atlas America.
Safe Travels USA Comprehensive provides emergency services for non-US residents visiting the US. It offers coverage for Covid-19 as any other illness, with visitors insurance available from a minimum of 5 days up to a maximum of 1 year and is renewable.
Coverage for acute onset of pre-existing conditions is included and a coverage of $25,000 is available for any covered condition.
This plan also includes generous policy limits for cancellations, End Supplier Failure, travel delays, lost passports, stolen baggage, emergency medical assistance and more.
Atlas America is a comprehensive visitors health insurance for non-US citizens traveling outside their home country when their travel includes the US. It covers 100% of the expenses outside PPO and provides worldwide coverage including and excluding USA.
It also offers coverage for eligible injuries and illness incurred while taking part in many popular vacation sports – skiing, snowboarding, snorkelling, water skiing, and others – at no additional cost.
Atlas America also offers coverage for complications of pregnancy during the first 26 weeks of gestation. Visitors aged up to 70 years can get coverage up to the overall maximum limit, while visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100,000, whichever is lower.
Both Safe Travels USA Comprehensive and Atlas America offer excellent coverage for tourists visiting the US on a short visit. However, it is important to compare the two plans carefully to determine which one best suits your needs.
Two of the most popular plans are Atlas America and Safe Travels USA Comprehensive. Both plans offer coverage for visitors to the United States, but there are some key differences between them.
Atlas America offers coverage for acute onset of pre-existing conditions up to the age of 80 years, with coverage up to the overall maximum limit for visitors aged up to 70 years, and coverage up to the overall maximum limit or $100,000, whichever is lower, for visitors aged between 70 and 79 years.
It also covers eligible injuries and illnesses incurred while taking part in many popular vacation sports, such as skiing, snowboarding, snorkelling, and water skiing.
However, it does not cover chronic and congenital conditions, routine physicals, or vision (eyeglasses, etc.).
Safe Travels USA Comprehensive, on the other hand, offers coverage for pre-existing conditions, including chronic and congenital conditions, up to the age of 85 years.
It also covers routine physicals and vision (eyeglasses, etc.), as well as eligible injuries and illnesses incurred while taking part in many popular vacation sports.
Both plans offer worldwide coverage, including and excluding the United States, and both provide coverage for Covid-19 illness.
However, the benefits are the same regardless of the policy maximum for Atlas America, whereas for Safe Travels USA Comprehensive, the benefits vary depending on the policy maximum.
In conclusion, both Atlas America and Safe Travels USA Comprehensive are good options for visitors to the United States, but it is important to consider the differences between them before making a decision.
Summary
When it comes to choosing the best travel insurance for a trip, there are many factors to consider. Two of the most popular travel insurance plans are Safe Travels USA Comprehensive and Atlas America travel insurance.
Both plans offer comprehensive coverage for medical accidents, illness, emergency medical treatment, political evacuation, repatriation of remains, trip interruption, baggage, accidental death, and dismemberment.
Atlas America is a comprehensive plan, meaning that only a percentage of your total policy is applied to your cost per incident. This gives for better coverage with minimal premium.
For most visitors over the age of 70, the policy maximum is a generous amount of coverage in comparison to many other insurance plans. It is underwritten by Lloyd’s, rated A “Excellent” by A.M. Best.
It also offers coverage for acute onset of pre-existing conditions up to the age of 80 years, excluding chronic and congenital conditions.
Safe Travels USA Comprehensive is underwritten by Crum and Forster SPC, and is rated A “Excellent” by A.M. best. It pays 80% in eligible medical expenses if you visit an out of network provider, and you pay 20%; after $5,000, then it pays 100%. It also offers trip protection insurance products for US residents.
When it comes to making a final recommendation, both plans offer excellent coverage and benefits. However, Atlas America is a more comprehensive plan with higher policy limits and coverage for pre-existing conditions.
Therefore, Atlas America travel insurance is the better option for those looking for comprehensive coverage.
