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Atlas Group Travel Insurance
The Atlas Group Travel Series now automatically includes many new benefits, services and features that make it the best option for student groups, missionary organizations and corporations who travel
internationally. The policy now includes a benefit to be used in case of Natural Disasters and improved coverage of Incidental Trips Home. This innovative product also includes coverage for Acts
of Terrorism and Complications of Pregnancy. Non-US citizens traveling outside of the US will benefit from our updated rating structure. State of the art travel and emergency medical assistance services
are part of every Atlas Group Travel Series plan. All of this with the same astonishing service you have come to expect from HCC Medical Insurance Services (HCCMIS), the leader in international travel
Is My Group Eligible for the Atlas Group Travel Series?
If your group consists of a minimum of five travelers who are at least 14 days old traveling internationally for at least 5 days, your group is eligible. If your group members are under age 70, you may select the Overall Maximum Limit, ranging from $50,000 to $1,000,000. The Overall Maximum Limit for members age 70 to 79 is $50,000. The Overall Maximum Limit for members age 80 and older is $10,000. The minimum coverage period is 5 days and the maximum coverage period is 12 months. The same Overall Maximum Limit must be purchased for every member of your group under the age of 70. The same Deductible must be purchased for every member of your group.
When Does Coverage Become Effective and When Does it End?
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 the member departs from his or her Home Country or 12:01am US Eastern Standard Time on the date you request on your Application. 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 the member’s arrival upon return to their Home Country (unless the member has started a Benefit Period or is eligible for Home Country Coverage).
Does the Atlas Group Travel Series Provide any Home Country Coverage?
Yes. Under certain circumstances, the Atlas Group Travel Series will provide limited Home Country Coverage
Incidental Home Country 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.
Benefit Period Medical Coverage – If a member started a Benefit Period while this insurance was in effect, the member is covered for Medical expenses only for the duration of the Benefit Period, regardless of whether the member is at home or abroad. A Benefit Period begins on the first date the member receives a diagnosis or treatment of a covered Illness or Injury while outside his or her Home Country and lasts for 180 days.
End of Trip Home Country Medical Coverage – If your group is covered under the Atlas Group Travel Series and members are outside of their Home Countries 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 for the group.
Home Country Defined - If you are a US citizen, your
Home Country is the United States, regardless of the location of your
Principal Residence. If you are not a US citizen, your Home Country is
the country where you principally reside and receive regular mail.
Which Plan Should I Purchase?
All US citizens should purchase Atlas Group International, which provides coverage for outside of the United States. Non-US citizens traveling outside of the US should purchase Atlas Group International. Non-US citizen traveling to the United States should purchase Atlas Group America.