Policy Help

Policy Help

Eligibility Requirements: The Atlas Series is available to you if you are at least 14 days old and traveling outside of your home country. If you are a US citizen, your home country is always the United States, regardless of the location of your principal residence. If you are not a US citizen, home country is the country where you principally reside and receive regular mail. Enter only individuals who will be traveling. It is not necessary to enter family members who will not be traveling. The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase. Will your trip include the U.S. or U.S. territories as a destination country? If you are a non-U.S. citizen and non-U.S. resident and any part of your travel includes the U.S., you must answer "Yes" to this question. U.S. Territories - Major U.S. territories include Puerto Rico and the U.S. Virgin Islands. You may answer "No" to this question for travel that includes Guam, American Samoa, and Northern Mariana Islands. Layovers - If you are a US citizen or U.S. resident with a layover in the U.S. prior to your departure from the U.S., your coverage will begin when you depart the U.S. You should answer "No" to this question. If you are a non-U.S. citizen or non-U.S. resident and your travel will include a layover in the U.S., you should answer "Yes" to this question. Incidental Trips Home - For each three (3) months during which a Member is covered hereunder, medical expenses are only 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. U.S. citizens whose travel will include an incidental trip to the U.S. may answer "No" to this question. Coverage Start Date and Coverage End Date Your coverage becomes effective on the latest of: the date we receive your application and correct premium, the moment you depart from your home country, or the date you request on your application. Your coverage will end on the earliest of: the end of the period for which you have paid a premium, the date requested on your application, or 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). Weather Only travelers marked as golfers will be covered. Optional Weather Benefit is $100.00 for rainfall accumulation at or above the threshold for the individual course(s) from 7:00 am to 7:00 pm local time. Deductible The dollar amount of eligible expenses that the Member must pay per certificate period before the plan begins to pay covered expenses. Passport If you require a confirmation of coverage letter and wish for your passport number to be included, you may enter it in the field provided. After purchasing your policy, the letter will be available for download in PDF format through Tokio Marine HCC’s Client Zone at https://zone.hccmis.com/clientzone. If you do not have your passport number available at this time, you may enter it in Client Zone prior to downloading the document. Citizenship The legal status of being a citizen of a country. Online Fulfillment By selecting online fulfillment, your policy information will be available to print once your application has been processed and credit card approved. A duplicate copy of this information is also delivered to the email address you indicate on the insurance application. By selecting "Yes", you acknowledge that you have accepted online-fulfillment of your insurance documents. If you prefer your insurance documents mailed to you, please select "No" for the online fulfillment option. Beneficiary The individual named in the Member's application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit. Card Security Code The card security code is an added security feature to help protect you against online fraud. The card security code is the group of numbers immediately following your credit card number on the back of the card. These numbers are used by your credit card company to help prevent fraud. Because the card security code is not printed on your receipts, it helps ensure that someone is not using your credit card information fraudulently. Visa, MasterCard, and Discover For Visa and MasterCard there are 3 digits on the back of the card in the area shown by the graphic above. American Express For American Express there are 4 digits on the front of the card in the area shown by the graphic above.