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Atlas Travel® Insurance Comprehensive plan without sub limits

Atlas Travel® Insurance


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.

Important things you should know about Atlas Visitors Insurance

There are many different types of insurance policies that are around today, but one of the best ones you can try out is the Atlas America Visitor Insurance policy. The medical insurance policy is available to visitors in the United States, as well as all foreign tourists who are traveling to the United States for business or for leisure. There is massive demand for this travel insurance package, because it is available for new immigrants in the United States, as well as international students, and overseas travelers as well.

BENEFIT LIMIT
Deductibles $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period.
Overall Maximum Limit Age 80 or older - $10,000; Age 70 to 79 - $50,000, $100,000, or $250,000; All others - $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000.
Coinsurance – Claims Incurred in U.S. In-Network Payment
Out-of-Network Payment
Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.
Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Coinsurance – Claims Incurred Outside U.S. We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
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 Up to the overall maximum limit.
Emergency Room Copayment Claims incurred in the U.S.
You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital.
There will be no copayment for emergency room treatment of an injury.

Claims incurred outside the U.S.
No co-payment
Urgent Care Center Co-payment Claims incurred in the U.S.
For each visit, you shall be responsible for a $25 co-payment, after which coinsurance will apply.
– co-payment is waived for members with a $0 deductible
– not subject to deductible
Claims incurred outside the U.S.
Outpatient Physical Therapy and Chiropractic Care No co-payment
Up to $50 maximum per day. Must be ordered in advance by a physician. – not subject to coinsurance
All Other Eligible Medical Expenses Up to the overall maximum limit.
Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 70)
Terrorism
Up to the overall maximum limit.
Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
Up to $50,000 lifetime maximum. Eligible medical expenses only.
Emergency Dental (Acute Onset of Pain) Up to $250 – not subject to deductible or coinsurance
Emergency Eye Exam for a Covered Loss Up to $150. $50 deductible per occurrence (plan deductible is waived). – not subject to coinsurance
Emergency Medical Evacuation Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition. – not subject to deductible, coinsurance, or overall maximum limit
Return of Minor Children Up to $50,000 – not subject to deductible or coinsurance
Pet Return Up to $1,000 – not subject to deductible or coinsurance
Repatriation of Remains Up to the overall maximum limit – not subject to deductible or coinsurance
Emergency Reunion Up to $100,000, subject to a maximum of 15 days – not subject to deductible or coinsurance
Natural Disaster – Replacement Accommodations Up to $250 a day for 5 days – not subject to deductible or coinsurance
Trip Interruption Up to $10,000 – not subject to deductible or coinsurance
Travel Delay Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. – not subject to deductible or coinsurance
Lost Checked Luggage Up to $500 – not subject to deductible or coinsurance
Political Evacuation Up to $100,000 lifetime maximum – not subject to deductible or coinsurance

Accidental Death & Dismemberment (excludes loss due to common carrier accident)

$250,000 maximum benefit any one family or group.
– not subject to deductible, coinsurance, or overall maximum limit

Optional Accidental Death & Dismemberment buy-up of
$50,000 to Lifetime max. $100,000 (available to ages 18-69 only)
Ages 18 through 69
Lifetime Maximum - $50,000
Death - $50,000
Loss of 2 Limbs - $50,000
Loss of 1 Limb - $25,000

Under age 18
Lifetime Maximum - $5,000
Death - $5,000
Loss of 2 Limbs - $5,000
Loss of 1 Limb - $2,500

Ages 70 through 74
Lifetime Maximum - $12,500
Death - $12,500
Loss of 2 Limbs - $12,500
Loss of 1 Limb - $6,250

Ages 75 and older
Lifetime Maximum - $6,250
Death - $6,250
Loss of 2 Limbs - $6,250
Loss of 1 Limb - $3,125

Common Carrier Accidental Death

Ages 18 through 69 - $50,000
Under age 18 - $25,000
Ages 70 through 74 - $12,500
Ages 75 and older - $6,250
Subject to a maximum of $250,000 any one family or group.
- not subject to deductible, coinsurance, or overall maximum limit
Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses Up to $10,000 – not subject to deductible, coinsurance, or overall maximum limit
Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage. $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation.
Hospital Indemnity $100 per day of inpatient hospitalization – not subject to deductible or coinsurance
Personal Liability Up to:
$10,000 lifetime maximum
$10,000 third person injury
$10,000 third person property
$2,500 related third person property
– not subject to deductible, coinsurance, or overall maximum limit
Optional Personal Liability buy-up of $90,000 to Lifetime max. $100,000
Bedside Visit Up to $1,500 – not subject to deductible or coinsurance
Border Entry Protection Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border – not subject to deductible or coinsurance

Learning about the Atlas Travel Insurance

Imagine this scenario. You are travelling and meet an accident. You don’t speak the language of the country you are in, and neither do you have enough resources to get the necessary treatment? The thing is that while travelling, most of us don’t take into account the things that can go wrong like an accident or illness. If you are not prepared for such emergencies, not only will it ruin your trip, but also affect your health. If you want to avoid all these issues, you should read this brief guide about the Atlas Travel Insurance.

Atlas Visitors Insurance helps you out if you need medical assistance outside your home country while you are travelling. It offers access to physicians, hospitals, as well as worldwide health coverage. Atlas Insurance Offers the following medical insurance:

Why Opt for Atlas America Travel Insurance?

Travel insurance is a very important part of one’s travel preparations because it protects a person from the cost of medical care outside their country. Atlas America is a great medical plan that will cover your medical treatment, in case you need any, outside America. If you are confused whether you should opt for the plan or not, consider answering the following questions:

If the answer to any of these questions is no, you need to get Atlas Travel Insurance when travelling outside your country. One of the reasons why it is recommended is that HCC Medical Insurance Services has the expertise that is needed to handle these situations, and getting the Atlas Insurance will allow you to travel without any stress. The services offered by the HCC Medical Insurance Services offer you great customer service as well medical benefits, so it is a win-win situation for you.

When to Buy the Insurance

If you travel frequently, it is recommended that you get the Atlas Travel Insurance before your journey. If you are travelling dates are tentative, you can still go ahead and get the insurance. All you need is to drop an email at orders@hccmis.com, to change the dates of the policy coverage. Similarly, if your trip gets cancelled, you can cancel the insurance before the effective date without any cancellation penalty.

If you have to travel within a short notice and did not get a change to buy the Atlas Travel Insurance, you have the option of purchasing it at the airport, and receive confirmation within a few minutes.

Important things you should know about Atlas Visitors Insurance

There are many different types of insurance policies that are around today, but one of the best ones you can try out is the Atlas America Visitor Insurance policy. The medical insurance policy is available to visitors in the United States, as well as all foreign tourists who are traveling to the United States for business or for leisure. There is massive demand for this travel insurance package, because it is available for new immigrants in the United States, as well as international students, and overseas travelers as well. The main reason why so many people choose to get the Atlas America Visitor insurance policy is mainly because a lot of people want to protect their health, especially when they are traveling.

Atlas Travel&re® insurance has proven to be a massive hit amongst parents and people with in-laws, friends, and family that is traveling to or from America. If you don’t want to take advantage of the complete travel insurance plan, you can choose to acquire the short-term travel health insurance plan, which comes with accident and sickness coverage benefits. This plan is incredibly beneficial for all families, individuals, and groups that are traveling to the United States.

Things to keep in mind

There are also other travel insurance plans that are available on a regular basis, but none of them are quite like Atlas Visitors Insurance. It is known by many to be one of the most complete health insurance plans that are available in the industry today. There are so many people these days, who are traveling to the United States, and it is becoming important that they learn about the benefits of travel insurance when they visit the United States.

There are many companies that offer the Atlas Visitors Insurance coverage plan, so make sure that you do your research and only acquire the insurance from a reliable and trusted source. This is because you don’t want to be acquiring the insurance policy from an unreliable source, since most of the coverage in the insurance may not be what you have paid for as well.

One of the best things about Atlas Visitors Insurance is that it is available from 5 days to 364 days, and can be purchased online as well as through a paper application as well. You can also make sure that you get special deals when it comes to purchasing Atlas visitors Insurance online, and the only way you are going to be able to achieve that is if you actively do your research.

Make sure that you purchase Atlas visitors insurance every time that you travel to or from the United States, since the insurance is a benefit that will help you out in the long run. It is designed to help out travelers, who will otherwise have to face hefty sums when it comes to medical expenses. So make sure that you get to know all about Atlas visitors insurance.