Atlas Group® Insurance

Atlas Group


10% discount on Atlas Travel for groups of 5 or more.



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Atlas Group insurance is designed to meet the needs of groups of five or more individuals traveling outside their home country for short durations. Atlas Group travel insurance is available at discounted rates to both U.S. and non-U.S. citizens.

Atlas Group travel insurance includes the same benefits and services of our popular Atlas Travel health insurance plan at a 10% discount for groups or families of five or more. These features make the Atlas Group travel health insurance plan a leading option for student groups, missionary organizations, and corporations who travel worldwide. By combining important medical benefits with key travel-related services, our group travel insurance plan offers you valuable financial protection and travel assistance for your group’s trip abroad. The policy includes benefits like:

  • Natural Disaster
  • Incidental Home Country Coverage
  • Acts of Terrorism
  • Kidnapping and Ransom
  • Political Evacuation

Quality travel and medical assistance services are part of every Atlas Group travel insurance plan. These features are accompanied by the same astonishing service you have come to expect from HCC Medical Insurance Services (HCCMIS), a leader in international travel medical insurance.

Who Would Benefit from Atlas Group Insurance?

Missionary Groups: Group travel insurance offers protection for those groups traveling to spread the word, helping in disaster relief, or simply traveling abroad. If someone from your group has an accident, becomes ill or needs emergency assistance, you can rest assured knowing Atlas Group travel insurance will be there in those desperate times.

Student Groups Traveling Abroad: Group travel insurance works for school groups taking trips overseas. Whether it’s a class field trip or a study abroad group, Atlas Group insurance coverage will provide travel medical and travel assistance services to students as well as faculty. Coverage is available for US students traveling outside of the country, as well as non-US students and faculty traveling abroad, including the U.S.

Families of Five or More: Atlas Group insurance offers families of five or more a way to save on their travel medical insurance by giving a 10% discount off our Atlas Travel single rates.

Key Benefits of Atlas Group Insurance

Covered Benefits Included with Atlas Group
Guaranteed Acceptance Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.
Coverage for pre-existing conditions (excludes chronic and congenital conditions) Limited: Up to medical coverage maximum lifetime for eligible medical expenses for the acute onset of a pre-existing condition. See the Description of Coverage for more details.
Discounts for groups or large families Yes: A 10% discount off our Atlas Travel rates is offered for groups of five or more.
100% coverage for accidents and injuries outside the U.S. Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details.
100% coverage for accidents and injuries within the U.S Yes: For eligible expenses within the PPO Network. See the Description of Coverage for more details
Sports coverage at no additional charge Yes: Coverage for eligible injuries or illnesses related to sports activities. See the Description of Coverage for limitations.
Emergency medical evacuations available 24/7 Yes, $1,000,000 in coverage regardless of policy maximum
Complete online enrollment capabilities & immediate fulfillment Yes: Selecting "Yes" to online fulfillment when purchasing will ensure your policy information will be available to print once your application has been processed and your credit card approved.

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Other Important Atlas Group Insurance Benefits

Plan Benefit Detail
Trip Interruption $5,000
Trip Delay $100 for 12-hour delay requiring unplanned overnight stay (2 days maximum)
Coverage Area Worldwide
Deductibles $0, $100, $250, $500, or $1000 per certificate period
Coinsurance (outside of the PPO) 80% of first $5,000 after deductible, then 100%
Coinsurance (inside the PPO and outside the U.S.) 100% after deductible
Emergency Medical Evacuation $1,000,000 lifetime maximum
Ambulance Covered
Intensive Care Unit (ICU) Covered
Sports and Adventure Activities Overall Max Limit of Policy
Lost Checked Luggage $500
Natural Disaster $100/Day, 5 Day Max
Emergency Dental Accidents Covered as Part of Policy Overall Max
Bedside Visit $1,500 for economy ticket for visiting family if member admitted to ICU

In addition, our Atlas Group insurance plan comes with these standard benefits and optional coverage choices:

Unique Group Travel Insurance Benefits of Atlas Group Insurance

Benefit Description
Emergency Medical Evacuation Imagine being in a remote area and tragedy strikes. You could quite possibly find yourself without proper medical facilities nearby. Atlas Group insurance provides Emergency Medical Evacuation coverage that will pay for the cost of transporting you to the nearest hospital for treatment.
Political Evacuation If the U.S. government issues a travel warning in your destination country after you have departed for your trip, the Atlas Group plan will cover the cost of transporting you to the nearest country of safety or back home. Plus, our World Service Center will help coordinate your new departure arrangements.
Natural Disaster Taking advantage of cheaper accommodation rates during hurricane season can sometimes backfire. Luckily, Atlas Group insurance has you covered. If you are unable to stay at your hotel or resort due to an emergency evacuation because of a natural disaster, the Atlas Group insurance plan will help pay for alternative accommodations.
Sports and Adventure Activities Planning on a little group adventure? Our sports coverage provides benefits for activities such as mountain climbing, bungee jumping, scuba diving, snowboarding, and more.
Crisis Response Atlas Group provides $10,000 in coverage to offset ransom, personal belongings surrendered during a kidnapping, and expenses & fees, as well as access to experts to advise, coordinate with law enforcement, and manage/execute negotiations during a kidnapping.
Personal Liability Atlas Group provides a $10,000 benefit to defray member expenses associated with a third-party injury or damage/loss of third-party personal property or related-third-party personal property. This benefit applies only for court-entered eligible judgments or approved settlements.

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Atlas Group plans also come with travel assistance services, which are available to members 24 hours a day, seven days a week. Members can get assistance with lost checked luggage, lost passport documents, interpretation services, and other travel document replacements.

Our worldwide provider network gives Members in more than 130 countries access to hospitals and physicians outside of the U.S. We also provide access to a network provider for more than 98% of the U.S. population. Find a doctor or contact our World Service Center for more information.

Atlas Group Claims Savings Example

Broken leg medical claims while traveling internationally

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Planning an Adventure Travel Vacation?

Traveling on an extreme sports trip with a group? Read more on our sports insurance page or check out our blog for more destination based travel tips!

Compare all Atlas Travel insurance plans.

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.