You stand looking out over the ocean. The beach is still empty and the sun is just starting to rise. You wade in ankle-deep to see how the water feels. Though it is cool at first, it warms as you stand there. You take a deep breath – breathing in deep ocean air. And then you race off into the shallow waters with body board in hand.
Your love for the ocean has taken you around the world, and while you may not be up for such ocean sports as surfing or scuba diving, bodyboarding is just right for you. But did you know that if you travel abroad, your domestic medical insurance may not follow you? Atlas Travel® insurance from HCC Medical Insurance Services (HCCMIS) offers you the protection you need. When you purchase Atlas Travel, it can help you avoid high medical bills due to body boarding accidents and injuries.
While many insurance companies charge extra to cover extreme sports like bodyboarding, Atlas Travel insurance includes coverage for bodyboarding injuries that occur while abroad at no additional charge. We offer several different Atlas Travel plans depending on your destination for bodyboarding and how many are in your group. Atlas America® is designed for those whose travel includes the U.S. or Canada. If you are traveling outside of the U.S., we have Atlas International® insurance. Traveling with a group? If you have 5 or more in your group, you should check out Atlas Group® for a discounted rate!
Before you go out and purchase a bodyboard, there are a few things you should consider. Every board is unique and riders should select the appropriate board based on height, weight, and preferred riding form. What are the riding forms? Well, there are three different forms:
Taking a short trip or a yearlong excursion? Both Atlas International and Atlas America can keep you covered for a short term trip or a longer one to go on an international bodyboarding trip! We want to help keep you covered if those waves are bigger than you expected.
At HCCMIS, we are experienced and efficient in handling international medical emergencies for our members. We have many years of experience caring for our members while they are on overseas adventures and coordinating their medical care in different languages and across borders. Here are a few benefits that might interest you:
|Covered Benefits||Provided With Atlas Travel insurance|
|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. See the Description of Coverage for more details.|
|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 inside the PPO||Yes: For eligible expenses within the PPO network; outside the PPO network charges subject to coinsurance. 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.|
At HCCMIS, we understand the stress of planning a trip, which is why we offer 24/7 customer service that can help you find the right plan or answer any questions you may have about an existing plan. We also offer a number of travel assistance services that you might find helpful: pre-trip destination information, emergency cash transfers, medical monitoring, assistance in replacing passports and other travel documents, and many more! You can learn more about these and our other services by visiting our Customer Service page!
Just love learning about extreme sports? Check out our blog for more destination-based travel tips!
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.