Atlas International® Insurance

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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Atlas International travel insurance offers substantial benefits at a more affordable price than many of its competitors. HCC Medical Insurance Services is an insurance company which specializes in travel health insurance solutions and has 15 years of experience with international travel medical insurance. Instant quote and purchase option lets you have immediate coverage and you choose the maximum amount of coverage and deductible.HCC Medical Insurance Services, a subsidiary of HCC Insurance Holdings LLC, has a very strong financial rating reflecting the stability of the company.

Top Reasons to Buy Atlas International Insurance?

  • Flexibility
  • Value
  • 21st Century Service
  • Dependability

Who Needs Atlas International Insurance

An overseas vacation to visit friends and family, shop, and visit new places is something that many people not only enjoy, but want to do often. Whether you are going abroad for the first time or as part of your usual vacation plans, consider Atlas International insurance for your international travel medical needs. With Atlas International insurance, you can try new experiences while you travel abroad without worrying about unintended consequences because you have medical coverage for almost every situation.

Key Benefits of Atlas International Insurance

  • Guaranteed coverage without medical underwriting for all ages
  • Online purchase and immediate fulfillment
  • 100% coverage for eligible illnesses and accidents, after the deductible
  • $1,000,000 in Emergency Medical Evacuation coverage
  • Includes Repatriation of Remains (required by many countries to obtain a visa)
  • Home country coverage (for trips back home)
  • Extendable plan
What happens if you get sick overseas? Guarantee you have health coverage.

Atlas International Offers:

  • You can choose to buy Atlas International insurance with a zero dollar deductible and up to 1 million USD in medical coverage so you have zero out of pocket expenses for eligible medical conditions.
  • Existing medical conditions are common as people age and not all travel insurance covers pre-existing medical conditions. With Atlas International coverage, you or your relatives have coverage up to the medical coverage maximum for the sudden, unexpected reoccurrence of certain pre-existing medical conditions.
  • Travel plans change constantly so if you or your visitors planned only on staying for one month and then choose to extend their time in the U.S., Atlas International travel insurance can be extended for three certificate periods of 364 days.

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Atlas International® Plan

Benefits Details
Eligibility Must be at least 14 days old to purchase the Atlas International Plan coverage. If you are a non-US citizen, your Home Country is the country where you principally reside and receive regular mail. If you are a US citizen, your Home Country is always the United States, regardless of the location of your Principal Residence.
Policy Maximum Age 0-70 – Choose a coverage maximum per certificate that best suits your needs: $50,000, $100,000, $200,000, $500,000 or $1,000,000. Age 70 - 79 age group, the coverage maximum per certificate is $50,000 or $100,000.
Age 80+, maximum coverage per certificate is $10,000.
Deductibles You choose between the following deductibles: $0, $100, $250, $500, $1,000 or $2,500. Deductibles are applicable once per certificate period.
Preferred Provider Organization (PPO) Yes.
Coinsurance (within the PPO or outside the U.S.) Eligible expenses covered at 100% after the deductible
Coinsurance (outside the PPO) For treatment received inside USA: After the policy deductible selected is paid in full, the program pays 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit.
Purchase Period Maximum From 5 days to a maximum of 364 days of coverage
Extending Your Policy You can extend your Atlas International plan online when coverage is purchased for at least 5 days, without letting policy lapse.
Coverage Benefits Hospital emergency room and Board charges, Hospital Indemnity, Local Ambulance, Physician visits, Surgeon fees, charges, Pre-admission test/Hospital intensive care unit charges, Diagnostics, X-Rays, Prescription Drugs are covered, Emergency Dental charges are covered, Emergency Medical Evacuation / Repatriation, Accidental Death and Dismemberment (AD & D), Terrorism, Natural disaster, Sports benefit included, Trip Interruption, Trip Delay, Pet Return, Lost Checked Luggage, Bedside Visit.
Exclusions Review Atlas Insurance plan exclusions information.
Plan Administrator 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's major companies have a financial strength rating of AA (Very Strong) by Standard & Poor's and Fitch Ratings and A+ (Superior) by A.M. Best Company
Plan Underwriter Atlas Travel Insurance plans are underwritten by Lloyd's of London [Rating of "A" (excellent) by A.M. Best Company, and "A+" (Strong) from Standard & Poor's]. To view our full ratings reports, please see

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Compare Atlas International® to Competitors

Covered Benefits Provided With Atlas International Atlas International 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 (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. 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 $2,500.
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, $1,000,000 in cover regardless of policy maximum Yes, but coverage for medical evacuation may be less.
Complete online enrollment capabilities & immediate fulfillment Yes: Selecting "Yes" for 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.

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*Benefits listed are for eligible conditions as specified in the Description of Coverage

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.