While comparing different visitors insurance plans for your upcoming trip abroad, two plans that you may come across are Patriot International Lite and Atlas International. Although these plans may seem very similar at first glance, there are some differences that should be noted before venturing into the purchasing process.
Both Patriot International Lite and Atlas International are comprehensive coverage plans, meaning they provide percentage-based coverage for most eligible travel expenses. Outside the US and Canada, both of these plans pay 100% up to the policy maximum, after the deductible is satisfied. The key differences between the two plans are highlighted in the comparison chart below to help you choose the plan that best fits your travel medical insurance needs:
- Administered by IMG
- International Coverage
- Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
- No Quarantine Indemnity benefit
- Policy maximum coverage up to $1,000,000 for those under the age of 69
- Plan pays 100% in network after the deductible
- Coverage up to the policy maximum for acute onset of pre-existing conditions under age 70
- Administered by WorldTrips
- International coverage only
- Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
- Quarantine Indemnity Benefit of $50/day for 10 days
- Policy maximum coverage up to $2,000,000 for those under the age of 65
- Plan pays 100% up to policy maximum
- Coverage up to policy maximum for acute onset of pre-existing conditions for ages 69 and under, up to $100,000 for age 70-79
COMMON EXCLUSIONS (What's not covered)
- Preventative Care (immunizations, routine medical exams)
- Terrorism coverage
- Pregnancy and maternity care