Compare Atlas Travel Insurance
Each Atlas policy is designed to meet the needs of specific travel needs. To help you review some top-line features of our Atlas Travel plans versus our competitors, we have put together this chart to help you compare Atlas Travel insurance. If you are looking for more detailed information regarding the plans’ benefits, please review either the Atlas Travel®, Atlas Group®, or Atlas MultiTripTM review coverage pages.
Compare Atlas Travel Insurance to our Competitors
|Covered Benefits||Provided With Atlas Travel||Atlas Travel Competitors|
|Guaranteed Acceptance||Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.||Yes. Some companies offer guaranteed issue policies.|
|Coverage for pre-existing conditions||Partially: Up to $100,000 lifetime maximum for eligible medical expenses for the acute onset of a pre-existing condition. See the Description of Coverage for more details.||Coverage Varies. Some companies offer no coverage or very little coverage for pre-existing conditions to non-U.S. citizens and coverage amounts can be as little as $2500.|
|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.||Coverage Varies. Some companies expect members to pay coinsurance outside the U.S. even when using their PPO network|
|100% coverage for accidents and injuries inside the PPO||Yes: For eligible expenses within the PPO Network. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance even within the PPO.|
|Sports coverage at no additional charge||Yes: Coverage for eligible injuries or illnesses related to sports activities. See the Description of Coverage for limitations.||No. Up to 20% additional cost to add coverage for sports|
|Emergency medical evacuations available 24/7||Yes, $500,000 in cover regardless of policy maximum||Yes, but coverage amounts for medical evacuation are much lower.|
|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||Varies.|
|Crisis response benefit||Yes: $10,000 certificate period maximum covering losses resulting from kidnapping or express kidnapping||No. Competitor travel medical plans do not include a crisis response benefit.|
|Personal liability benefit||Yes: $10,000 lifetime maximum covering losses due to 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.||No. Competitor travel medical plans do not include a personal liability benefit.|
Need More Information to Compare Atlas Travel Insurance?
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.