Atlas Travel® Insurance

For international travel, Atlas Travel insurance provides customizable coverage for travelers looking to cover specific needs while abroad.

Perfect for:

  • Travelers wanting to build a custom plan
  • Coverage balance between the essentials and more specific needs

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. An Atlas 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.

Benefit1 Details
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

Age 80 or older: $10,000

All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000

Maximum Coverage per Certificate Period

(Excludes Emergency Medical Evacuation, Accidental Death & Dismemberment, Common Carrier Accidental Death, Personal Liability and Crisis Response)

Age 70 to 79: $50,000 or $100,000

Age 80 or older: $10,000

All others: $50,000, $100,000, $200,000, $500,000, or $1,000,000

Coinsurance – Claims Incurred in U.S. or Canada For the certificate period, underwriters will pay 80% of next $5,000 of eligible expenses after the deductible, then 100% to maximum coverage limit
Coinsurance – Claims Incurred Outside U.S. or Canada For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up 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
Emergency Room Co-Payment – Claims incurred in U.S. or Canada $200 co-payment for each use of emergency room for illness, unless member is admitted to the hospital. No co-payment for emergency room treatment of an injury.
Intensive Care Unit Usual, reasonable and customary charges
Physical Therapy $50 maximum per day
Terrorism $50,000 maximum lifetime limit, eligible medical expenses only
All Other Eligible Medical Expenses Usual, reasonable and customary charges
Benefit2 Details
Emergency Medical Evacuation $1,000,000 lifetime maximum
Repatriation of Remains Overall maximum limit
Local Burial or Cremation $5,000 lifetime maximum
Accidental Death and Dismemberment (AD&D) Excludes loss due to common carrier accident
$250,000 maximum benefit for any one family or group

Members under age 18:
Lifetime maximum: $5,000
Death: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500

Members age 18—69:
Lifetime maximum: $50,000
Death: $50,000
Loss of 2 limbs: $50,000
Loss of 1 limb: $25,000

Members age 70—74:
Lifetime maximum: $12,500
Death: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250

Members age 75 and older:
Lifetime maximum: $6,250
Death: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125
Common Carrier Accidental Death

Per member; subject to a maximum of $250,000 any one family or group:

Members under age 18: $25,000
Members age 18—69: $50,000
Members age 70—74: $12,500
Members age 75 and older: $6,250

Crisis Response—Ransom, Personal Belongings, and Crisis Response Fees and Expenses $10,000 maximum per certificate period
Emergency Reunion $50,000 per certificate period, subject to a maximum of 15 days
Bedside Visit $1,500 per certificate period
Return of Minor Children $50,000 per certificate period
Pet Return $1,000 per certificate period
Political Evacuation $10,000 lifetime maximum
Trip Interruption $5,000 per certificate period
Lost Checked Luggage $500 per certificate period
Travel Delay Maximum $100/day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.
Emergency Dental (acute onset of pain) $250 per certificate period
Natural Disaster Maximum $100/day for 5 days
Hospital Indemnity $100 per day of inpatient hospitalization
Personal Liability $10,000 lifetime maximum
1Eligible expenses subject to deductible or coinsurance:
2Eligible expenses NOT subject to deductible or coinsurance

Certain types of medical expenses are excluded from coverage under Atlas Travel 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).
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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.

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.
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.
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.
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.
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).

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)
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.
Yes.  You may purchase Atlas Travel coverage for your spouse and any number of additional dependents.
To see an overview of the benefits provided under Atlas Travel insurance coverage, please review our Atlas Travel Insurance Coverage page.

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.

Follow the below instructions to EXTEND your Atlas Travel medical insurance plan:

  1. Go to the HCC Client Zone at:
  2. 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.”
  3. Click “Extend Coverage.”
  4. Enter the extension of coverage date. Click “Recalculate.” Click “Proceed to Payment Page.”
  5. Enter payment information.  Click “Extend My Coverage.”
  6. The email you enter in the payment information will receive coverage confirmation. 
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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, medically necessary treatment is not available locally, and if approved in advance and coordinated by HCCMIS. If all circumstances are met, 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 — if you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is the country where you principally reside and receive regular mail.
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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, covered natural disasters are: avalanche, earthquake, flood, hurricane, impact event, landslides, mudslides, tornado, tsunami, tropical cyclone, typhoon, volcanic eruption, and wildfire.
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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 a U.S. Government travel warning has been issued after arrival to the destination country.
  • Pre-Destination Information — up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country. Pre-trip destination information is available via our HCC Travel Board.
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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 HCCMIS. See the travel assistance services list for more details.
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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.