Your hands have small cuts all over them, and it is getting hard to grip the rock. You wipe the sweat from your forehead – you can finally see the top. As you take a quick break in your rock scrambling, you look down just to see how far you have come and how far you have left. As you push on in your climb you keep telling yourself that you are almost there, almost done.
While many insurance companies charge extra to cover extreme sports, Atlas Travel insurance includes coverage for injuries that may occur while you are on an international trip.
Before you leave home to scramble up all those rocks, make sure your insurance will keep you protected as you travel and climb. Many domestic insurance plans will not follow you as you travel, especially overseas, so you should look into travel insurance and rock scrambling insurance. Atlas Travel® insurance from HCC Medical Insurance Services (HCCMIS) can provide you with coverage for both. Having an Atlas Travel plan can help you avoid high medical bills that result from rock scrambling accidents.
While many insurance companies charge extra to cover extreme sports, Atlas Travel insurance includes coverage for rock scrambling injuries that occur while abroad at no additional charge. We offer several different Atlas Travel plans depending on your destination for fell walking 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!
Almost every country has its own system for classifying the level of difficulty of mountain climbing, hiking, and rock scrambling. Narrowing down all the systems into one can be difficult, but there is a general consensus for classifying rock scrambling routes. The system is broken down into three separate classes:
Part of the challenge of rock scrambling is using your hands for support and balance, and to help you climb. HCCMIS wants to act as your handholds and keep you moving as you travel. We provide some great coverage under Atlas Travel insurance that can keep you scrambling to the top. At HCCMIS, we are experienced and efficient in handling international medical emergencies for our members. We have many years’ experience caring for our members while they are on overseas adventures and coordinating their medical care in different languages and across borders.
|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 for the acute onset of a pre-existing condition. 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. 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 Services page.
Just love learning about extreme sports? Check out our blog for more destination based travel tips!
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.