Visitors Insurance, Travel Health Insurance USA

Atlas Premium^™ Insurance

For the travel elite, Atlas Premium^™ travel insurance provides exceptional, quality coverage as you travel abroad.

Perfect for:

Individuals with health concerns
Total care for long-term travelers
Travelers interested in an elite package, with higher coverage limits.
Travelers looking for $2M Policy max and $250,000 AD&D

Why do I need travel medical insurance?

International travel can represent financial risk. The benefits of many standard medical insurance policies do not apply beyond the borders of your home country. A travel medical 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. Compare all Atlas Travel medical insurance plans.

Benefits¹	Details
Overall Maximum Limit	Age 80 or older $20,000. 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
Maximum per Injury / Illness	Age 80 or older $20,000. 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
	$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Coinsurance	We will pay 100% of eligible expenses, after the deductible, 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
Intensive Care Unit	Up to the overall maximum limit
Local Ambulance	Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.
Emergency Room Co-payment	Claims incurred in 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 co-payment for emergency room treatment of an injury. Claims incurred outside the U.S No co-payment
Urgent Care/Walk-in Clinic	Claims incurred in 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. No co-payment
Outpatient Physical Therapy and Chiropractic Care	Up to $50 maximum per day. Must be ordered in advance by a physician. - not subject to coinsurance
Emergency Dental (Acute Onset of Pain)	Up to $300 - 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
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 $25,000 lifetime maximum for Emergency Medical Evacuation
Terrorism	Up to $50,000 lifetime maximum, eligible medical expenses only.
All Other Eligible Medical Expenses	Up to the overall maximum limit
Benefits²	Details
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
Repatriation of Remains	Up to the overall maximum limit - not subject to deductible or coinsurance
Local Burial or Cremation	Up to $5,000 lifetime maximum - not subject to deductible or coinsurance
Crisis Response - Ransom, Personal Belongings, Crisis Response Fees and Expenses, and Natural Disaster Evacuation	Up to $100,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation - not subject to deductible, coinsurance, or overall maximum limit.
Emergency Reunion	Up to $150,000, subject to a maximum of 15 days - not subject to deductible or coinsurance
Bedside Visit	Up to $1,500 - not subject to deductible or coinsurance
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
Political Evacuation	Up to $150,000 lifetime maximum - not subject to deductible or coinsurance
Trip Interruption	Up to $15,000 - not subject to deductible or coinsurance
Accidental Death & Dismemberment (excludes loss due to Common Carrier Accident)
Ages 18 through 69	Lifetime Maximum - $100,000 Death - $100,000 Loss of 2 Limbs - $100,000 Loss of 1 Limb - $50,000
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 $250,000 maximum benefit any one family or group. - not subject to deductible, coinsurance, or overall maximum limit
Common Carrier Accidental Death
Ages 18 through 69	$100,000
Under age 18	$10,000
Ages 70 through 74	$25,000
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
Lost Passport	Up to $100 - not subject to deductible or coinsurance
Lost Checked Luggage	Up to $2,000 - not subject to deductible or coinsurance
Travel Delay	Up to $200 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
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
Natural Disaster - Replacement Accommodations	Up to $500 a day for 5 days - not subject to deductible or coinsurance
Hospital Indemnity	$100 per day of inpatient hospitalization - not subject to deductible or coinsurance.
Personal Liability	Up to: $100,000 lifetime maximum $100,000 third person injury $100,000 third person property $2,500 related third person property - not subject to deductible, coinsurance, or overall maximum limit

Certain types of medical expenses are excluded from coverage under Atlas Premium insurance.. Some exclusions are listed here. Refer the Description of Coverage for the complete list of exclusions.

Pre-existing conditions — charges resulting directly or indirectly from any pre-existing condition, as herein defined, are excluded from this insurance unless it is a sudden and unexpected outbreak or recurrence that is of short duration and requires urgent care. Under Atlas Travel, no coverage is available for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of coverage.
Routine medical examinations
Routine pre-natal care, pregnancy, child birth, and post-natal care
Medical expenses for injury or illness resulting from participation in extreme sports (see Description of Coverage for full list of excluded sports).

Does Atlas Travel provide any coverage while I am in my home country?
Atlas Travel does offer medical expense coverage in your home country in the following situations: Benefit Period –Atlas Travel will cover eligible medical expenses in the member’s home country for 90 days after the beginning of treatment so long as the related illness or injury began while the certificate was still in effect and treatment began while the member was outside their home country. Incidental Home Country Coverage – For U.S. citizens, medical expenses are only covered during incidental trips home totaling no more than 15 days per three-month period of coverage. 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. Medical expenses for non-U.S. citizens will be covered up to a maximum of 30 days for any three-month period. Medical expenses incurred in your home country will not be covered if your purpose for returning to your home country is to obtain treatment of an illness or injury that began while traveling.
Will Atlas Travel cover me on trips of a year or longer?
For non-U.S. citizens or residents whose travel does not include the U.S. or U.S. territories, the maximum coverage duration is 365 days. Additionally, coverage may be renewed up to 2 additional coverage periods. Coverage renewal requires satisfaction of a new deductible and coinsurance. Renewals may be filed through the Client Zone. For all other travelers, the maximum duration is 364 days, and coverage is not renewable.
How do I cancel my Atlas Travel coverage?
You may submit a written cancellation request to HCCMIS prior to the effective date of coverage for a full refund. If HCCMIS receives the cancellation request following the effective date of coverage, only the unused portion of premium will be refunded. A $25 cancellation fee will apply.
Will Atlas Travel cover multiple trips?
No. Atlas Travel coverage is purchased for a duration you specify and applies to a single trip only. For coverage that applies to multiple trips, our Atlas MultiTrip™ product may work for you.
Are there any countries not covered in my Atlas Travel plan?
Yes. Certain travel restrictions declared by the U.S. State Department, the Centers for Disease Control and Prevention (CDC), and certain OFAC sanctions, affect Atlas Travel coverage.
Who is eligible for an Atlas Travel insurance plan?
Anyone who is at least 14 days old and traveling internationally is eligible for coverage. . Policies must cover a minimum of five days; however, travel is not required for all five days. Applicants under age 70 may select an overall maximum limit ranging from $50,000 to $1,000,000. The overall maximum limit for members age 70 - 79 is $100,000, and the overall maximum limit for members over age 80 is $10,000 ($20,000 under Atlas Premium).
If I purchase an Atlas Travel Insurance plan, when does coverage become effective, and when does it end?
Your Atlas Travel insurance 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 on the date we receive your application and payment (if application and payment are made by mail) the moment you depart from your home country 12:01am on the date you request on your application Your coverage will end on the earliest of: 11:59pm on the last day of the period for which you have paid a premium, 11:59pm on the date requested on your application, the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)
Is Atlas Travel extendable?
Following the initial purchase, Atlas Travel coverage may be extended up to 364 days past the original effective date of coverage. Extension does not require satisfaction of a new deductible or coinsurance. File all extensions through the HCCMIS Client Zone with payment by credit card.
Will Atlas Travel cover my dependents?
Yes. You may purchase Atlas Travel coverage for your spouse and any number of additional dependents.
What is covered under the Atlas Travel insurance plan?
To see an overview of the benefits provided under Atlas Travel insurance coverage, please review our Atlas Travel Insurance Coverage page.
How do I extend or renew my Atlas Travel insurance coverage?
After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset. If you are covered under Atlas International, after 364 days of continuous coverage you may renew your coverage for up to two additional coverage periods. Deductible and Coinsurance must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions. Extensions or renewals must be made online in the Client Zone with payment by credit card.
How do I extend my Atlas Travel Insurance?
Follow the below instructions to EXTEND your Atlas Travel medical insurance plan: Go to the HCC Client Zone at: https://zone.hccmis.com/clientzone/ To login, you will need to enter your Certificate/ID number (ID #) and your password. If you don’t know your password, click the “forgot password? button and enter your Certificate ID (ID #) and your date of birth. Click “Login.? Click “Extend Coverage? Enter the extension of coverage date. Click “Recalculate.? Click “Proceed to Payment Page.? Enter payment information. Click “Extend My Coverage.? The email you enter in the payment information will receive coverage confirmation.

Atlas Premium™ Insurance High End Comprehensive Plan - In PPO 100% coverage

Atlas Premium™ Insurance

Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.

Atlas Premium^™ Insurance High End Comprehensive Plan - In PPO 100% coverage

Atlas Premium^™ Insurance