International Travel Insurance > HCC Medical Insurance Services
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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
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
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.
End of Trip Home Country Medical
Coverage - If you are covered under the Atlas Series and outside of your
Home Country continuously (except for covered Incidental Trips as described
above) for six (6) months or more you may purchase an additional 30 days of
End of Trip Home Country Medical Coverage.
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
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.