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...Read More
|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 $150,000; All others - $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000.|
|Coinsurance - Claims incurred in the U.S.|
|In-Network Payment||Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.|
|Out-of-Network Payment||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.
|Urgent Care Center Co-payment||Claims incurred in the U.S.
For each visit, you shall be responsible for a $15 co-payment.
– 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 80)||Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower.
Under age 70: Up to the overall maximum limit.
Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
|Emergency Dental (Acute Onset of Pain)||Up to $300 – not subject to deductible
|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 $1000 – not subject to deductible|
|Lost or Stolen Passport/Travel Visa||Up to $100 – not subject to deductible|
|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 - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500
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 - $10,000
Ages 70 through 74 - $25,500
Ages 75 and older - $12,500
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:
$25,000 lifetime maximum
$25,000 third person injury
$25,000 third person property
$2,500 related third person property
– not subject to deductible or overall maximum limit
Optional Personal Liability Rider of up to $75,000 Lifetime max.
|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|