Atlas Travel® Insurance
For international travel, Atlas Travel insurance provides customizable coverage for travelers looking to cover specific needs while abroad.
Designed for:
- Travelers seeking coverage for unexpected medical expenses, including COVID-19-related expenses
- Travelers wanting to build a customizable plan
- Coverage balance between the essentials and more specific needs
Why do I need travel medical insurance?
Schedule of Benefits and Limits
| Plan Details | |
|---|---|
| Overall Maximum Limit |
Age 80 or older: $10,000 Age 65 to 79: $50,000, $100,000 |
| Maximum per Injury / Illness |
Age 80 or older: $10,000 Age 65 to 79: $50,000, $100,000 All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000 |
| Deductibles | $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 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.
| Benefit | 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. |
| Emergency Room Co-Payment |
Claims incurred in the U.S. Claims incurred outside the U.S. |
| Urgent Care Center Co-Payment |
Claims incurred in the U.S. Claims incurred outside the U.S. |
| Intensive Care Unit | Up to the overall maximum limit. |
| Outpatient Physical Therapy and Chiropractic Care | Up to $50 maximum per day. Must be ordered in advance by a physician. |
| Terrorism | Up to $50,000 maximum lifetime limit, eligible medical expenses only. |
| 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 occurence (plan deductible is waived). |
| *Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 80) | Up to the overall maximum limit |
| All Other Eligible Medical Expenses | Up to the overall maximum limit. |
Emergency Travel Benefits
| Benefit | Limit |
|---|---|
| Emergency Medical Evacuation |
Up to $1,000,000 lifetime maximum, except as provided under *Acute Onset of Pre-existing Condition. - not subject to deductible or overall maximum limit |
| Repatriation of Remains |
Equal to the elected overall maximum limit. - not subject to deductible or coinsurance This limit is for this benefit only and is not included in or subject to the overall maximum limit. |
| Local Burial or Cremation |
Up to the overall maximum limit. - not subject to deductible |
| Accidental Death and Dismemberment (AD&D) |
Excludes loss due to common carrier accident. Members age 70—74:
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| Common Carrier Accidental Death |
Under age 18: $10,000 Subject to a maximum of $250,000 any one family or group. Not subject to deductible or overall maximum limit. |
| Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $10,000. Not subject to deductible 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. |
| Emergency Reunion | Up to $100,000, subject to a maximum of 15 days. Not subject to deductible. |
| Bedside Visit | Up to $1,500. Not subject to deductible. |
| Return of Minor Children | Up to $50,000. Not subject to deductible. |
| Pet Return | Up to $1,000. Not subject to deductible. |
| Political Evacuation | Up to $100,000 lifetime maximum. Not subject to deductible. |
| Trip Interruption | Up to $10,000. Not subject to deductible. |
| Lost Checked Luggage | Up to $1,000. Not subject to deductible. |
| Lost or Stolen Passport/Travel Visa | Up to $100. Not subject to deductible. |
| 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. |
| Natural Disaster – Replacement Accommodations | Up to $250 a day for 5 days. Not subject to deductible. |
| Hospital Indemnity | $100 per day of inpatient hospitalization. Not subject to deductible. |
| Personal Liability |
Up to:
Optional Personal Liability Rider of up to $75,000 lifetime maximum. Not subject to deductible or overall maximum limit. |
| 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. |
*The acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which 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. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually worsen over time are excluded from coverage.
Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
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Pre-existing conditions — charges resulting directly or indirectly from any pre-existing condition are excluded from this insurance, except as covered under the Acute Onset of Pre-Existing Condition benefit for a sudden and unexpected outbreak or recurrence that is of short duration and requires urgent care, excluding chronic or congenital conditions, complications or consequences of chronic or congenital conditions, or conditions that gradually worsen over time. 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. NOTE: A pre-existing condition is any condition:
- for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
- which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
- that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you
- Routine medical examinations
- Routine pre-natal care, pregnancy, child birth, and post-natal care
- Medical expenses for injury or illness resulting from participation in specifically excluded 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 individuals with the U.S. as home country: For every three-month period during which the member is covered hereunder, medical expenses incurred in the U.S. are covered up to a maximum of 15 days.
For individuals with a home country other than the U.S.: For every three-month period during which the member is covered hereunder, medical expenses incurred in the member’s home country are covered up to a maximum of 30 days.
Any benefit accrued under a single three-month period does not accumulate to another period. Failure of the member to continue his or her international trip or the members return to their home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.
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. 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 orders@hccmis.com to cancel your Atlas Travel policy. To be eligible for a full refund, the request for cancellation must be received prior to the effective date.
Cancellation requests received after the effective date will be subject to the following conditions:
- A $25 cancellation fee will apply
- Only the unused portion of the premium will be refunded
- Only members who have no claims are eligible for a premium refund
Will Atlas Travel cover multiple trips?
Are there any countries not covered in my Atlas Travel plan?
Does the Atlas Travel plan meet Schengen visa requirements?
Yes, Atlas Travel insurance meets Schengen visa requirements. When you purchase an Atlas Travel policy, you will also gain access to a visa letter that can serve as proof of insurance for your Schengen visa.
See Schengen visa insurance requirements and learn how Atlas Travel meets those requirements.
How do I access my visa letter?
You can access your visa letter by signing into your Client Zone account at zone.hccmis.com/clientzone. Click on the "Policy" tab and choose "Visa Letter" from the dropdown menu. Your visa letter will download automatically.
What information is included in the visa letter?
Your visa letter will confirm that your Atlas Travel policy satisfies Schengen visa health insurance requirements. It will also include the following information:
- Your name
- Your home country and citizenship
- Your destination country or countries
- Your certificate (policy) number
- Your policy's effective date
- Your policy's termination date
- An overview of your policy details, including your overall policy maximum, maximum per injury/illness, and deductible
- A list of certain important benefits and their coverage amounts
- Tokio Marine HCC - MIS Group contact information
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 65 may select an overall maximum limit ranging from $50,000 to $2,000,000. The overall maximum limit for members age 65 - 79 is $50,000 or $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 Eastern Time 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 Eastern Time on the date you request on your application
Your coverage will end on the earliest of:
- 11:59pm Eastern Time on the last day of the period for which you have paid a premium,
- 11:59pm Eastern Time 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?
Will Atlas Travel cover my dependents?
What is covered under the Atlas Travel insurance plan?
When and how will I receive my fulfillment documents?
During the checkout process, you will have the option to receive your ID cards and other fulfillment documents by:
- Email only OR
- Email and hard copy
If you select "Email only," you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. This typically takes a few minutes or less.
If you select "Email and hard copy," you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. You will also receive hard copies of your ID cards and fulfillment documents by mail to the address you entered on your application.
What is included in the fulfillment documents?
Your fulfillment documents will include:
Instructional Information
- How to seek medical treatment
- How to file a medical claim
- How to access Client Zone
- How to contact Tokio Marine HCC - MIS Group
Declaration Page
- Link to the Description of Coverage for your policy
- Name, address, ID number, and citizenship of the insured
- Policy start and end dates and length of coverage
- Certain policy details including plan name, overall maximum limit, maximum per injury/illness, deductible, and any optional coverage selected
- Purchase date, payment type, and amount paid
- Name and address of plan administrator
Policyholder/Certificate Holder Notice
- Important notice about OFAC sanctions
European Union GDPR Data Protection Notice
(Note that you will only receive this notice if you are a citizen or resident of the European Union OR if you are a visitor traveling to the European Union)
- Information about our privacy policy
- How we use your personal and sensitive information and who we may disclose it to
- Information about your data protection rights
- How to opt out of marketing communications or withdraw your consent
ID Card
- Name of primary insured
- ID number and effective date of coverage
- Instructions on pre-notification and how to file a claim
- Name and logo of PPO network
Can 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 nor will benefit limits be reset.
If your travel does not include the United States and you are not a U.S. citizen, you may extend your coverage up to a maximum of 365 days. After 365 days of continuous coverage, you may renew your policy for two additional 365-day coverage periods.
Deductible must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your deductible 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:
- Log into your Client Zone account at zone.hccmis.com/clientzone.
- Click the "Policy" tab in the main navigation menu at the top of the page.
- Click "Extend Coverage" in the dropdown menu.
- Enter the extension of coverage date.
- Click "Recalculate."
- Click "Proceed to Payment Page."
- Enter payment information.
- Click "Extend My Coverage."
- Your coverage confirmation will be sent to the email address you entered.
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- Acts of Terrorism — an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
- Acute Onset of Pain (Emergency Dental) — a sudden and unexpected occurrence of pain which occurs spontaneously and without advance warning, either in the form of physician or dentist recommendation or symptoms, including pain, which would have caused a prudent person to seek medical or dental attention prior to onset of pain. Treatment must be obtained within 24 hours of the sudden and unexpected occurrence of pain.
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- Displaced — required to depart a destination due to an evacuation ordered by prevailing authorities.
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- Emergency Medical Evacuation — if recommended by your attending physician, who certifies that: evacuation is necessary to safeguard your life or limb, medically necessary treatment is not available locally, and if approved in advance and coordinated by Tokio Marine HCC - MIS Group. If all circumstances are met, and the illness or injury is covered, certain plans will provide the following benefits: emergency air and/or ground transportation to the nearest hospital that is qualified to provide the medically necessary treatment.
- Emergency Reunion — an emergency reunion is the transportation of one relative (parent, spouse, sibling, or child aged 18 or older) to the hospital where a member is receiving inpatient care in the event of a covered emergency medical evacuation.
- Express Kidnapping — the actual or attempted abduction and holding of the member against his or her will, where personal belongings and/or readily available assets of the member are surrendered by the member in exchange for his or her release.
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- Guaranteed Issue — a type of insurance policy that is not medically underwritten.
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- Home Country — Your home country is the country where you principally reside and receive regular mail. If you are a U.S. citizen or resident, you are not eligible for coverage within the U.S except as provided under an eligible benefit period, regardless of the location of your principal residence.
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- Insured Losses — covered losses and expenses consisting of the following: ransom, personal belongings, and/or crisis response fees and expenses.
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- Kidnapping — the actual, alleged, or attempted abduction and holding of the member against his or her will by a person or persons who demand a ransom specifically form the assets of the member in exchange for the member’s release.
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- Lost Checked Luggage — lost checked luggage is a benefit that provides money for the replacement of clothes and personal hygiene items in the event your checked luggage is permanently lost by the transportation provider.
- Lost Luggage Assistance — tracking service to assist in locating luggage or other items lost in transit.
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- Natural Disaster — any event of force of nature caused by environmental factors that has catastrophic consequences. For the purpose of this insurance, natural disasters include: wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage.
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Personal Belongings
— monies and/or property of monetary value that are:
- being carried or transported by the member when an express kidnapping or kidnapping first occurs; and
- are surrendered during the course of an express kidnapping or kidnapping
- Political Evacuation — political evacuation is a benefit offered under certain plans that assists in the coordination and associated costs of transportation to a safe country after the U.S. Department of State has issued a level 3 or level 4 travel advisory after arrival to the destination country.
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- Return of Minor Children — return of minor children is the assistance and financial coverage of transporting covered minor children to the terminal serving the area of principal residence when the only person age 18 or older traveling with them has been hospitalized for treatment of a covered Illness or Injury resulting in the children being left unattended for a period of time expected to exceed 36 hours.
- Repatriation of Remains — this is a benefit that covers expenses to return an insured’s remains (bodily or ashes) to their home country in the event of his or her death resulting from a covered Injury or Illness.
- Ransom — monies and/or other consideration of monetary value that are surrendered or to be surrendered by, or on behalf of, the member to meet an express kidnapping or kidnapping demand.
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- Travel Document Replacement — assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents.
- Travel Assistance Services — travel assistance services are complimentary services that focus on potential travel issues, which are available to every member that purchases an international insurance product from Tokio Marine HCC - MIS Group. Travel assistance services are not insurance benefits and any travel or medical assistance service provided is not a guarantee of any insurance benefit. See the travel assistance services list for more details.
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Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.