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Atlas International® Comprehensive plan with 100% coverage

US citizens traveling outside the home country


For international travel, Atlas Travel® Insurance provides customizable coverage for travelers looking to cover specific needs while abroad.

International travel can represent financial risk. The benefits of many standard medical insurance policies do not apply beyond the borders of your home country. An Atlas Travel® Insurance plan can be the difference between a trip ruined by unexpected illness or injury, versus a trip with access to quality care and financial help if the unexpected strikes.

HCC has developed two Atlas Travel® plans that offer a complete package of international benefits available 24 hours a day. Atlas America® provides coverage for non-U.S. citizens traveling outside their home country while Atlas International® provides coverage for US citizens traveling outside their home country.

Atlas Travel® quality benefits Acute Onset of Pre-Existing Conditions

Atlas Travel® provides a limited benefit up to the medical coverage maximum lifetime for eligible medical expenses. If you are younger than 70,you may be covered for an acute onset of a pre - EX condition. This also includes a $25,000 lifetime maximum for emergency medical evacuation. An acute onset of a pre-existing condition is a sudden and unexpected outbreak...

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BENEFIT LIMIT
Deductibles $0, $100, $250, $500, $1,000 or $2,500 per certificate period
Overall Maximum Limit Per Certificate Period Age 80 or older - $10,000; Age 70 to 79 - $50,000, $100,000; All others - $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000.
Coinsurance – Claims incurred in U.S. 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.
Coinsurance – Claims incurred outside U.S. 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, when covered illness or injury results in hospitalization as inpatient
Intensive Care Unit Usual, reasonable and customary charges
Emergency Room Copayment In addition to coinsurance, the member shall be responsible for a $200 copayment for each use of emergency room for an illness unless the member is admitted to the hospital. There will be no copayment for emergency room treatment of an injury.
Urgent Care Center For each visit, the member shall be responsible for a $50 co-payment, after which coinsurance will apply. Not subject to deductible. Co-payment waived if $0 deductible elected.
Hospital Indemnity(in addition to medical expenses) $100 per day of inpatient hospitalization (not subject to deductible or coinsurance)
Physical Therapy and Chiropractic Care $50 maximum per day. Must be ordered in advance by a physician.
All Other Eligible Medical Expenses Usual, reasonable and customary charges
Acute Onset of Preexisting Condition (only available to members under age 70) $100,000 lifetime maximum for eligible medical expenses for overall maximum limits of $100,000, $200,000, $500,000 or $1,000,000; otherwise $50,000. $25,000 lifetime maximum for emergency medical evacuation
Emergency Dental (acute onset of pain) $250 limit per certificate period (not subject to deductible or coinsurance)
Emergency Medical Evacuation $1,000,000 lifetime maximum, except as provided under acute onset of preexisting condition (not subject to deductible or coinsurance)
Return of Minor Children $50,000 per certificate period (not subject to deductible or coinsurance) Repatriation of Remains Overall maximum limit (not subject to deductible or coinsurance)
Pet Return Up to $1,000 to return a traveling pet home if member is hospitalized
Repatriation of Remains Overall maximum limit (not subject to deductible or coinsurance)
Emergency Reunion $50,000 limit per certificate period, subject to a maximum of 15 days (not subject to deductible or coinsurance)
Natural Disaster – Replacement Accommodations Maximum $100 a day for 5 days (not subject to deductible or coinsurance)
Trip Interruption $5,000 limit per certificate period (not subject to deductible or coinsurance)
Trip Delay $100 for a 12-hour delay requiring an unplanned overnight stay (2 days maximum).
Lost Checked Luggage $500 limit per certificate period (not subject to deductible or coinsurance)
Political Evacuation $10,000 lifetime maximum (not subject to deductible or coinsurance)
Terrorism $50,000 maximum lifetime limit, eligible medical expenses only
Accidental Death and Dismemberment (excludes loss due to common carrier accident; $250,000 maximum benefit per any one family or group) Not subject to deductible or coinsurance
Members up to age 18 Lifetime max. - $5,000; Death - $5,000; Loss of 2 limbs - $5,000; Loss of 1 limb - $2,500
Members under age 18 through 69 Lifetime max. - $50,000; Death - $50,000; Loss of 2 limbs - $50,000; Loss of 1 limb - $25,000 Optional Accidental Death & Dismemberment buy-up of $50,000 to Lifetime max. $100,000
Members under age 70 through 74 Lifetime max. - $12,500; Death - $12,500; Loss of 2 limbs - $12,500; Loss of 1 limb - $6,250
Members under age 75 and older Lifetime max. - $6,250; Death - $6,250; Loss of 2 limbs - $6,250; Loss of 1 limb - $3,125
Common Carrier Accidental Death ($250,000 maximum benefit per any one family or group) Not subject to deductible or coinsurance Up to age 18 - $25,000 per member; Age 18 through 69 - $50,000 per member; Age 70 to 74 - $12,500 per member; Age 75 and older - $6,250
Crisis Response $10,000 limit per certificate period; Includes access to Unity Crisis Group services. Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage. $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation.
Personal Liability $10,000 lifetime maximum. Optional Personal Liability buy-up of $90,000 to Lifetime max. $100,000
Bedside Visit $1,500 (economy ticket for family member to visit if member admitted to ICU).