Atlas Travel Series:
Foreign Visitors Health Insurance Coverage for Short-term or Long-term Holiday Travel, up to 12 Months
Short-Term & Long-Term Holiday Travel Health Insurance Coverage for Foreign Visitors
The Atlas Travel Series, an industry-leading international travel medical insurance plan, includes many benefits, services and features that make it a viable option for individuals and families who travel overseas. This innovative holiday travel insurance product includes coverage for Inpatient and Outpatient Medical Expenses, Acts of Terrorism, Political Evacuation, Complications of Pregnancy and more. Non-US citizens and foreign visitors who plan holiday travel outside of the US will benefit from quality visitors medical insurance as well as emergency medical assistance services, which are part of every Atlas Travel insurance plan. In addition, Atlas Travel international insurance allows you to extend and/or renew your coverage for up to 36 months. These features are accompanied by the same astonishing service you have come to expect from HCC Medical Insurance Services (HCCMIS), a leader in international travel medical insurance.
To help meet foreign visitors' medical insurance needs, we offer two international travel health insurance plans for holiday travel abroad: Atlas America insurance and Atlas International insurance. While the travel health insurance coverage is the same for these two plans, the eligibility requirements are quite different:
Key Difference Between Atlas America &
Atlas International Travel Insurance Coverage |
| |
Atlas America Insurance |
Atlas International Insurance |
| Eligibility | Only non-US citizens or residents who are at least 14 days old and whose travel includes the United States | US citizens or residents and non-US citizens who are at least 14 days old and whose travel does not include the United States, Puerto Rico or the US Virgin Islands |
Looking for an annual travel insurance plan allowing for multi-trip travel insurance coverage for business trips? The Atlas Professional plan may be right for you.
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FAQs and Definitions for Atlas Travel: Atlas America Insurance & Atlas International Insurance
Am I Eligible for an Atlas Travel Insurance Plan?
When Does Coverage Become Effective and When Does it End When I Purchase an Atlas Travel Insurance Plan?
Does the Atlas Travel International Plan Provide Any Home Country Coverage?
Which Travel Plan Should I Purchase, Atlas America or Atlas International?
What is Covered with an Atlas Travel Insurance Plan?
How do I Extend or Renew My Atlas Travel Insurance Coverage?
How Do I Cancel My Atlas Travel Insurance Coverage?
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Get More Frequently Asked Questions & Definitions
Atlas Travel Insurance Coverage: Plan Benefits, Limitations, Exclusions and Optional Benefits
| Atlas Travel Insurance Schedule of Benefits and Limits |
| Benefit |
Limit¹ |
| Deductibles: |
$0, $100, $250, $500, $1,000 or $2,500 per Certificate Period |
| Coinsurance – Claims incurred in US or Canada: |
For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider |
| Coinsurance – Claims incurred outside US or Canada: |
For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit |
| Hospital Room and Board: |
Average Semi-private room rate, including nursing services |
| Local Ambulance: |
Usual, Reasonable and Customary charges |
| Hospital Indemnity: |
$100 per day (not subject to Deductible or Coinsurance) |
| Intensive Care Unit: |
Usual, Reasonable and Customary charges |
| Outpatient Treatment: |
Usual, Reasonable and Customary charges |
| Acute Onset of Pre-existing Condition: |
$25,000 Lifetime Limit for Emergency Medical Evacuation
$15,000 Lifetime Limit for Eligible Medical Expenses
(Only available to Members under age 70) |
| Physical Therapy: |
$50 Maximum per visit |
| All Other Eligible Medical Expenses: |
Usual, Reasonable and Customary charges |
| Emergency Dental: |
Acute Onset of Pain - $100 limit per Certificate Period (not subject to Deductible or Coinsurance)
Accident - Overall Maximum Limit |
| Emergency Medical Evacuation: |
$500,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance) |
| Emergency Reunion: |
$15,000 limit per Certificate Period (not subject to Deductible or Coinsurance) |
| Return of Minor Children: |
$5,000 limit per Certificate Period (not subject to Deductible or Coinsurance) |
| Political Evacuation: |
$10,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance) |
| Terrorism: |
$50,000 Maximum Lifetime Limit, Eligible Medical Expenses only |
|
Accidental Death and Dismemberment: |
Members age 18 or older:
Lifetime Maximum – $25,000
Death – $25,000
Loss of 2 Limbs – $25,000
Loss of 1 Limb – $12,500
Benefits reduce 50% at age 70 and and additional 50% at age 75
Members under age 18:
Lifetime Maximum – $5,000
Death – $5,000
Loss of 2 Limbs – $5,000
Loss of 1 Limb – $2,500
(Not subject to Deductible or Coinsurance, excludes loss due to Common Carrier Accident. $250,000 Maximum Benefit for any one family.) |
| Common Carrier Accidental Death: |
Members age 18 or older: $50,000 per Member
Members under age 18: $25,000 per Member
(Not subject to Deductible or Coinsurance. Subject to a Maximum of $250,000 for any one family.) |
| Repatriation of Remains: |
Overall Maximum Limit (not subject to Deductible or Coinsurance) |
| Natural Disaster Benefit: |
Maximum $100 a day for 5 days (not subject to Deductible or Coinsurance) |
| Trip Interruption: |
$5,000 limit per Certificate Period |
| Lost Checked Luggage: |
$250 limit per Certificate Period (not subject to Deductible or Coinsurance) |
| Hospital Pre-certification Penalty: |
50% of Eligible Medical Expenses |
| Optional Sports Rider: |
Overall Maximum Limit |
| Maximum per Injury / Illness: |
Age 80 or older: $10,000
Age 70 to 79: $50,000
All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000 |
Overall Maximum Limit per Certificate Period:
(includes all benefits except Accidental Death and Dismemberment, Emergency Medical Evacuation and Common Carrier Accidental Death) |
Age 80 or older: $10,000
Age 70 to 79: $50,000
All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000 |
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Atlas America Insurance and Atlas International Insurance Plan Exclusions:
The following charges, treatments, surgeries, medications, conditions and circumstances are excluded from the Atlas Travel Series Plan2:
- Pre-existing Conditions – Charges resulting directly or indirectly from any Pre-existing Condition are excluded from this insurance. If you are under age 70, you are covered for Medical and Emergency Evacuation charges resulting from an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule of Benefits and Limits. A Pre-existing Condition is any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused an ordinarily prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the Certificate Effective Date. For the purposes of the Complications of Pregnancy coverage offered hereunder, Pregnancy will not be included within the definition of a Pre-existing Condition. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence
- Treatment for or related to any congenital condition
- Routine prenatal care, childbirth, care of newborns, post-natal care, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof
- False labor, edema, prolonged labor, prescribed rest during the period of Pregnancy, morning sickness and conditions of comparable severity associated with management of a difficult Pregnancy, and not constituting a medically distinct Complication of Pregnancy, and all charges related to Pregnancy after the 26th week of Pregnancy
- Mental Health Disorders or Substance Abuse
- Charges which are not Incurred during the Certificate Period or the applicable Benefit Period, and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or the applicable Benefit Period
- Charges for treatment of any condition when the purpose of departing the Home Country was to obtain treatment in the destination country/countries
- Charges for use of Emergency Room within the US for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness
- Not Medically Necessary and administered or ordered by a Physician
- Provided at no cost, by a family member, or by a person who ordinarily resides with you, or which are attributable to or recoverable from any other party including government-sponsored plans
- Charges which exceed Usual, Reasonable and Customary
- Investigational, Experimental or for Research Purposes
- While confined primarily to receive Custodial Care, Educational or Rehabilitative care
- Venereal Disease, and treatment of individuals who are HIV+ or have AIDS or ARC
- Treatment by a Chiropractor
- Treatment for acne, other acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of sebaceous glands, hypertrophic and atrophic conditions of skin, nevus
- Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental Treatment necessary to replace sound natural teeth lost or damaged in an Accident covered hereunder or for the relief of acute, spontaneous and unexpected onset of pain
- Eyeglasses, vision exams, contact lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy, orthoptics or visual eye training or eye surgery (including cataract surgery and radial keratotomy) or for any examination or fitting related to these devices or procedures
- Injury resulting from participation in the following activities: Amateur Athletics, Contact Sports, and professional sports or athletic activities. Non-contact and non-organized/non-sanctioned amateur sports or athletic activities engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes are not excluded except the following which are excluded: Mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher. Aviation, except when traveling solely as a passenger in a commercial aircraft. Hang gliding, sky diving, parachuting or bungee jumping; Snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); Racing by any animal or motorized vehicle; and spelunking; and sub-aqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters; jet skiing; and any other sport or activity which is undertaken for thrill seeking and exposes you to abnormal risk of injury.
- Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse
- Willfully self-inflicted Injury or Illness and immunizations and Routine Physical Exams
- The Deductible, Coinsurance and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the limits set forth in the Schedule of Benefits and Limits
- Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder
- Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Repatriation of Remains, Emergency Reunion, Return of Minor Children, Natural Disaster and Trip Interruption sections of this insurance
- Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s)
- Organ or tissue transplants or related services
- Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof
- Treatment of all forms of cancer/neoplasm
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Optional Benefits to Add to the Atlas Travel Insurance Plan: Extreme Sports Coverage
Planning an exciting adventure sports vacation during your travel overseas? Perhaps something a little lighter, like a cruise? Are you planning to take a few of the excursions while on the cruise? There are a few activities not included in the basic Atlas Travel insurance plan coverage.
- amateur athletics, contact sports, professional sports or athletic activities
- mountaineering
- aviation (except when traveling solely as a passenger in a commercial aircraft)
- hang gliding, sky diving, parachuting or bungee jumping
- snow skiing or snowboarding when skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body
- racing by any animal or motorized vehicle
- spelunking
- sub-aqua pursuits involving underwater breathing apparatus without PADI/NAUI certification, an accompanying certified instructor and/or at depths of more than 10 feet
- jet skiing
Foreign visitors, enjoy your holiday travel with all its fun-filled days. Add the Optional Sports Rider to either the Atlas America insurance plan or Atlas International insurance plan and get moving! The Optional Sports Rider does not provide coverage for any activity undertaken for wage, reward, or profit. The Accidental Death & Dismemberment coverage is also deleted with respect to accidents occurring while the Member is participating in any sport or athletic activity.
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How to Apply for the Atlas America or Atlas International Insurance Plan
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HCCMIS's Client Zone and World Service Center for Atlas Insurance Members
Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, HCCMIS is ready to respond. Frequently, these and other issues can be addressed with a short visit to Client Zone. Client Zone is an online account management and resource tool.
Want to know how to extend or renew your coverage?
Want to know how to cancel your coverage?
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If you prefer to speak to one of our professional representatives, you may contact our World Service Center by calling toll-free at (800) 605-2282 from various countries around the world or by calling collect at (317) 262-2132. Our World Service Center can provide you with service in many different languages.
Let's not forget all the complimentary Travel Assistance Services that come with all of our international short term health insurance plans:
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* The claims examples provided above are based on actual international health insurance claims handled by HCCMIS. Coverage for similar international health insurance claims is not to be inferred from the above examples, as all claims are determined to be eligible/ineligible based on the applicable international health insurance policy and the facts and circumstances of each claim.
¹ Unless indicated otherwise, all benefits are subject to the Deductible and Coinsurance, and are per Certificate Period.
² This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact HCC Medical Insurance Services, LLC.
International Travel Medical Insurance - HCC Medical
