Atlas America vs Patriot America Plus
Atlas America runs roughly $150 for a typical trip — noticeably less than Patriot America Plus at around $215. The question is whether the savings come at the cost of coverage you'll actually use. We break down what that means for a real hospital visit.
Atlas America edges out on typical premium band and avg claim settlement, taking 3 weighted points to Patriot America Plus's 0. Patriot America Plus still has the upper hand on a couple of secondary lines, so it stays the right call when those matter more than the headline coverage.
Side-by-side: who wins what
| Feature | Atlas America | Patriot America Plus | Winner |
|---|---|---|---|
| Coverage limit | $1M | $1M | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Very large | |
| Typical premium band | ~$150 | ~$215 | Atlas America |
| Avg claim settlement | 21 days | 30 days | Atlas America |
| Age eligibility | 0-99 | 0-99 | |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $1M | |
| 24×7 support | Yes | Yes |
Where they're the same
- Both Atlas America and Patriot America Plus settle directly with US hospitals — no $50k credit card hold at admission.
- COVID-19 treatment is in scope on both — handled like any other illness, not a separate rider.
- Both WorldTrips / Atlas and IMG keep a round-the-clock claims line, not just business hours.
- Neither plan is fixed-benefit; both reimburse real charges up to the medical limit, which is what you want for an unpredictable US bill.
Acute-onset PED stops at age 80; not all chronic conditions qualify.
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
Other comparisons you might want
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More comparisons for Patriot America Plus
This comparison reflects publicly available WorldTrips / Atlas and IMG plan documents as of 2026. Sub-limits, exclusions and territorial rules can change between buy dates, so the official Atlas America and Patriot America Plus certificates are the source of truth.