IMG Patriot America Plus vs WorldTrips Atlas America
The two most popular visitor insurance plans in the US, compared side-by-side on coverage, cost, network, and pre-existing conditions.
IMG Patriot America Plus and WorldTrips Atlas America are the two most-compared visitor insurance plans on the US market. Both cover acute onset of pre-existing conditions up to the full policy maximum for travelers under age 70. For seniors aged 70+, the plans diverge sharply: Atlas America covers up to $100,000 for ages 70–79, while Patriot America Plus provides no pre-existing coverage at age 70+. Both use the same PPO networks with over a million US providers. This guide breaks down every key difference so you can choose with confidence.
Plan Overview
- Parents visiting the USA with pre-existing conditions
- Travelers who want UHC network access
- Stays of 1–12 months
- Travelers prioritizing broad pre-existing coverage
- One of the strongest acute-onset pre-existing condition benefits
- Access to the massive UHC network — fewer surprise bills
- Coverage up to age 99 with no age-based exclusions
- COVID-19 treated like any other illness
- Wide deductible range lets you control premium cost
- No full trip cancellation coverage (return travel only, not pre-departure cancellation)
- Maternity not covered
- Pre-existing benefit is acute onset only — not ongoing management
- Travelers who want the highest medical coverage limit ($2M)
- Visitors needing baggage coverage included
- Parents visiting the USA with pre-existing conditions
- Travelers over 70 (age 80+ pre-existing limit applies)
- Highest coverage limit in the category — up to $2,000,000
- Baggage/personal effects included at no extra cost
- Same strong UHC/First Health network
- More deductible options including $5,000 for very low premiums
- COVID-19 covered as standard illness
- Slightly higher premium than comparable IMG plans
- Pre-existing benefit reduces to $100,000 at age 70–79; excluded entirely at 80+
Side-by-Side Comparison
Choose Patriot America Plus if you want the UHC network specifically, have a tight budget, or are insuring a traveler under age 70 where both plans offer equivalent pre-existing coverage.
Choose Atlas America if you want the highest coverage limit ($2M), need baggage coverage included, want more deductible flexibility, or are insuring a traveler aged 70–79 (Atlas provides $100,000 pre-existing coverage; Patriot Plus provides none at 70+).
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