Many times the primary medical insurance in your home country will not cover you while traveling abroad and often will not provide important services, perhaps essential ones, in the event of an illness or injury. Atlas Travel includes these essentials such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.
U.S. citizens, as well as non-U.S. citizens traveling outside of the U.S., should purchase Atlas International, which provides coverage outside of the United States. Non-U.S. citizens traveling to the United States should purchase Atlas America. For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands.
HCC Medical Insurance Services LLC (HCCMIS), headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance and short-term medical insurance products designed to meet needs of consumers worldwide. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (NYSE: HCC), a leading Specialty Insurance group. HCC holds a financial strength rating of AA (Very Strong) by Standard & Poor?s and Fitch Ratings and A+ (Superior) by A.M. Best Company.
Parents are not considered dependents and typically cannot be added to a son or daughter?s insurance plan while they are visiting them from another country. If you are traveling to the U.S. or are looking for visitor health insurance for individuals traveling to the U.S., Atlas America? offers protection against the high cost of medical care in the U.S. if something unfortunate should occur. Having a travel medical insurance from a company administered based in the U.S. can also help you understand and navigate the U.S. healthcare system. Atlas America? insurance can protect you from incurring medical costs for your visitors and provides visitors health insurance upon which you can depend for health coverage and medical monitoring during difficult health situations. HCC Medical Insurance Services has many years of experience in dealing with the U.S. health care system and a reliable financial reputation within the U.S.9 Similar to a U.S. domestic insurance carrier, Atlas Travel insurance gives you an insurance card that can be shown to U.S. doctors and hospitals to prove you have medical insurance coverage. It also gives you access to a comprehensive Preferred Provider Organization (PPO) list which can be searched by gender, specialty and language in addition to location of doctors, clinics, and hospitals that are willing to bill HCC Medical Insurance Services directly for your medical care.
Whether you?re returning from Yemen or Scotland, it?s advisable to seek out a physician for a full check-up and physical examination shortly after your return. This is of particular importance if you have returned from a second- or third-world country with limited formal medical care. You may require testing and subsequent treatment for hepatitis, malaria, viral infections and parasitic infestations. Even if you just flew in from London, medical authorities recommend a doctor's appointment as different medical conditions are sometimes treated differently from location to location.