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Atlas International & Atlas America

Whether you travel for business or pleasure, international travel involves risk. You may arrive at your destination to find that your luggage with personal items has disappeared. A personal emergency may necessitate your early return to your Home Country. A medical emergency may require hospitalization or even air evacuation. In most cases, your existing insurance will not provide adequate protection for these and other risks. Without appropriate travel insurance, you may be exposed to significant financial liability. HCC Medical Insurance Services has designed The Atlas Series to take the risks out of international travel, so you can have an enjoyable and productive trip.

What's New in the Atlas Series?

• Acute onset of pre-existing medical condition coverage has been increased from $15,000 to $20,000.
• Acute onset of dental pain coverage has been increased to a maximum of $250 per certificate period.
• Maximum certificate period has been reduced to 364 days.
• Atlas America is now available for individuals up to age 79.
• Coverage for sports previously only available under the Sports Rider including SCUBA and mountaineering above 4,500 meters are now included in all policies at no additional cost!

Coverage under Atlas Travel may be extended up to 364 days. After 364 days of continuous coverage, Atlas International holders may renew their coverage, after which the deductible and coinsurance will need to be re-satisfied. A new plan must be purchased after 36 months of coverage under Atlas International and after 12 months of coverage under Atlas America. Extensions and renewals may be completed through Client Zone The features are accompanied by the same astonishing service you have come to expect from HCC Medical Insurance Services, the leader in international travel medical insurance.  You can view the description of benefits or the schedule of benefits for further details.

Am I Eligible for the Atlas Series?

If you are traveling outside of your Home Country and are at least 14 days old, you are eligible for coverage. If you are under age 70, you may select your Overall Maximum Limit, ranging from $50,000 to $1,000,000. If you are age 70 to 79, the Overall Maximum Limit available is $50,000. If you are age 80 or older, the Overall Maximum Limit available is $10,000. The minimum coverage period is 5 days and the maximum initial coverage period is 12 months.

When Does Coverage Become Effective and When Does It End?

Your coverage becomes effective on the latest of: the moment we receive your Application and correct premium (if Application and payment is made online or by fax), 12:01am US Eastern Standard Time on the date we receive your Application and payment (if Application and payment is made by mail), the moment you depart from your Home Country, or 12:01am US Eastern Standard Time on the date you request on your Application. Your coverage will end on the earliest of: 12:01am US Eastern Standard Time on the last day of the period for which you have paid a premium, 12:01am US Eastern Standard Time on the date requested on your Application, or the moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage).

Does The Atlas Series Provide Any Home Country Coverage?

Yes. Under certain circumstances, the Atlas Series will provide limited Home Country Coverage.

Incidental Home Country Medical Coverage - For every 3 months of coverage purchased, the Atlas Series provides US citizens up to 15 days of incidental coverage for trips to your Home Country. Incidental visit time must be used within the three-month period earned, and the member must continue his or her international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.

Which Plan Should I Purchase?

All US citizens should purchase Atlas International, which provides coverage for outside of the United States. Non-US citizens traveling outside of the US should purchase Atlas International. Non-US citizens traveling to the United States should purchase Atlas America.

What is Covered?

All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and Limits)

HCC Medical Insurance Services (HCCMIS)
Headquartered in Indianapolis, Indiana, HCCMIS is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. Our international claims specialists, medical professionals and service representatives are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of more than $8.6 billion, shareholders’ equity in excess of $2.7 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.

Lloyd's, the largest and oldest insurance market in the world, is the insurer of the Atlas Series travel medical insurance plan . Rated A (Excellent) by AM Best Company and A (Strong) by Standard and Poor's, Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market.