For budget-conscious travelers, an Atlas Essential travel insurance policy provides coverage for the basic necessities as you travel away from your home country.
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.
|Deductibles||$0, $100, $250, $500, $1,000 or $2,500 per certificate period|
|Maximum Coverage per Injury or Illness||
Age 70 to 79: $50,000 or $100,000
|Maximum Coverage per Certificate Period||
(Excludes Emergency Medical Evacuation)
Age 70 to 79: $50,000 or $100,000
|Coinsurance – Claims Incurred in U.S. or Canada||75% of eligible expenses after the deductible to the maximum coverage limit|
|Coinsurance – Claims Incurred Outside U.S. or Canada||75% of eligible expenses after the deductible to the maximum coverage 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|
|Physical Therapy||No coverage|
|Terrorism||$50,000 maximum lifetime limit, eligible medical expenses only|
|Emergency Medical Evacuation||$500,000 lifetime maximum|
|Repatriation of Remains||$25,000 lifetime maximum|
|Local Burial or Cremation||$5,000 lifetime maximum|
|All Other Eligible Medical Expenses||Usual, reasonable, and customary charges|
Certain types of medical expenses are excluded from coverage under Atlas Essential. Some exclusions are listed here. Refer the Description of Coverage for the complete list of exclusions.
Atlas Travel does offer medical expense coverage in your home country in the following situations:
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.
Your Atlas Travel insurance coverage becomes effective on the latest of:
Your coverage will end on the earliest of:
Your StudentSecure insurance coverage becomes effective on the latest of:
Your coverage will end on the earliest of:
If conception occurs after the effective date of coverage, StudentSecure Elite, Select, and Budget plans provide maternity benefits including, but not limited to:
HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS 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
Our international insurance plans are insured by Syndicate 4141 or 308 at Lloyd's, London. Lloyd's is the largest and oldest insurance market in the world and is rated “A (Excellent)” by A.M. Best Company and “A+ (Strong)” by Standard & Poor's. Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd's is recognized as a market leader in the accident and health insurance arena and is well known for its innovative products and services. Presently, Lloyd's provides accident and health insurance to millions of individuals in almost every country of the world.
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.
Benefit Period – In the event a Member begins a Benefit Period while the Certificate is in effect, and the Certificate terminates because the Member returns to his/her Home Country, Atlas Group Travel will pay Eligible Medical Expenses that are incurred in the Member’s Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses related to the Injury or Illness that began while the Certificate was in effect.
Incidental Home Country Coverage – For each three (3) months during which a Member is covered under the Atlas Group Travel plan, Medical Expenses only are covered during incidental trips totaling no more than 15 days duration 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. Return to the Member’s Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.
To contact HCCMIS regarding Pre-certifications, you may choose one of the following methods:
HCCMIS must be notified in advance of the travel of the relative in order for Emergency Reunion benefits to be payable. Emergency Reunion benefits that are not related to an Emergency Medical Evacuation will be paid only following the end of the Inpatient hospitalization.
You can reach our Customer Service team by calling them directly at (800) 605-2282 or (317) 262-2132 (collect calls accepted). Representatives will also answer emails sent to firstname.lastname@example.org or via Live Chat.
An Act of Terrorism is defined as: 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.
* StudentSecure Smart does not provide coverage for medical expenses incurred due to an act of terrorism.
Loss of Sight is defined as total and irrevocable loss of sight. Loss of Limb is defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle. The Accidental Death and Dismemberment benefit is not available for losses resulting from an Act of Terrorism.
* Neither StudentSecure Budget nor StudentSecure Select provides an Accidental Death benefit.
Follow the below instructions to EXTEND your Atlas Travel medical insurance plan:
Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. We are regulated by the State of Indiana in our capacity as Third Party Administrator. 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 Tokio Marine HCC – International Group.