Atlas Travel® Insurance Benefits

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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The U.S. Department of Homeland Security recommends that you register certain items before you travel abroad including watches, laptops, cameras, and electronic items by filling out a Certificate of Registration for Personal Effects Taken Abroad (CBP Form 4457). This form shows that you had acquired the items before leaving the U.S. and all of the items listed on it will be allowed duty-free entry when you return. A travel medical plan like Atlas Travel would be incomplete without the inclusion of travel assistance benefits. The following travel benefits are included when you purchase.

Lost Checked Luggage

If an airline or cruise line carrier loses your baggage, HCC Medical Insurance Services will pay up to $500 for the replacement of clothes and personal hygiene items.

  • File a formal claim for lost luggage with the transportation provider
  • Provide HCC Medical Insurance Services with all documentation of the claim filed with the transportation provider and a written statement from the provider confirming that the luggage remains missing
  • Lost Luggage Claimant’s Statement form and Proof of Claim can be mailed: HCC Medical Insurance Services, LLC P.O. Box No. 2005, Farmington Hills, MI 48333-2005. Claims information can also be emailed to

Trip Interruption

HCC Medical Insurance Services will pay for a return ticket to your principal residence if there is damage to your principal residence or a death in your family2. Trip interruption can also be claimed following an emergency medical evacuation.

  • Contact HCC Medical Insurance Services, we will coordinate the transportation for you.
  • Your attending physician will need to submit medical records if you are claiming the trip interruption benefit after an emergency medical evacuation.

Trip interruption following an emergency medical evacuation is provided if the attending physician states that it is medically necessary for you to return to your home country for recuperation, treatment, and recovery.

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Natural Disaster

If you are displaced from planned accommodations due to evacuation from a natural disaster or following a disaster strike caused by an avalanche, earthquake, hurricane, impact event, landslide, mudslide, tornado, tsunami, tropical cyclone, typhoon, volcanic eruption, or wildfire, HCC Medical Insurance Services will cover the cost of your accommodations for up to five days.

Crisis Response

Terrorists, insurgent groups, criminal organizations, and even individuals all use kidnappings and extortion to advance their agendas. Our Crisis Response benefit provides up to $10,000 in coverage including ransom, crisis response fees and expenses, and personal belongings lost or destroyed in a successful or attempted kidnapping. You also get access to an experienced crisis response team from Unity Resources Group that advises the victim's family while working on negotiations and resolution strategies -- ensuring the victim's safety above all else.

Personal Liability

If your actions cause the injury of a third party or the damage/loss of third party's or related third party's property, Atlas Travel provides $10,000 lifetime maximum coverage. This benefit applies only for court-entered eligible judgments or approved settlements.

Send your itemized bills, receipts, and claimant’s statement form to HCC Medical Insurance Services, LLC P.O. Box No. 2005, Farmington Hills, MI 48333-2005. Claims information can also be emailed to

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Atlas Travel Claim Savings Example

Atlas Travel claim example

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1 Lost luggage must have been lost for at least ten days at the date of payment by HCC Medical Insurance Services.
2 Damage to the principal residence must be the result of fire or weather damaging more than 40% of the principal residence. Family member’s death is specified to be that of a parent, spouse, sibling, child, or grandchild.
3 The natural disaster benefit is limited to $100 per day for five days.

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.