Atlas Travel® Medical Coverage

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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As a travel medical insurance plan, Atlas Travel medical insurance includes extensive medical benefits so you are covered for eligible unexpected emergencies or illnesses that might occur while you are traveling. Atlas Travel insurance offers you valuable medical benefits at a low price.

With Atlas Travel medical insurance, you choose the deductible (out of pocket) amount you are willing to pay and the maximum coverage amount during your trip. You can select a deductible as low as zero dollars if you want to limit your out of pocket expenses and a maximum coverage amount of up to one million dollars.1 The information listed below is a guide to your medical benefits with Atlas Travel. All eligible medical benefits are subject to deductible and coinsurance.2

How Atlas Travel Medical Insurance Works

Term Definition
Deductible You pay the selected deductible chosen at the time of purchase to your medical providers for any incurred medical expenses.
Coinsurance Outside of the U.S. or within the PPO network, you have zero out of pocket cost for eligible medical expenses up to the overall maximum limit of your policy. If you choose to use an out of network provider, HCCMIS will pay 80% of eligible medical expenses up to $5,000 and then 100% of eligible medical expenses for anything over $5,000.

Benefits of Atlas Travel Medical Insurance

Pre-existing Conditions

  • With Atlas Travel insurance if you are younger than 70, you have coverage up to the medical coverage maximum lifetime for the acute onset of a pre-existing condition if you seek treatment within 24 hours of the sudden and unexpected reoccurrence. (Chronic and congenital conditions are not covered.)3
  • Up to a $100,000 lifetime maximum for acute onset of a pre-existing condition for members under age 70
  • $25,000 lifetime maximum for emergency medical evacuation due to an acute onset of a pre-existing medical condition for members under age 70.

In-Patient Hospitalization Expenses covered by Atlas Travel Medical Insurance

  • Semi-private hospital room including room and board costs
  • Nursing services
  • Intensive Care Unit (ICU)
  • Surgery and surgical services including the operating, treating, and recovery room following surgery
  • Dressings, sutures, casts, and other medically necessary supplies administered by a physician
  • Diagnostic testing (includes radiology, ultrasounds, and laboratory services)
  • Oxygen and anesthesia administered by a physician
  • Ambulance transportation to the hospital5

Outpatient Hospital Services covered by Atlas Travel Medical Insurance

  • Emergency room treatment for an injury
  • Emergency room treatment for an illness (must be admitted to the hospital as an inpatient for additional treatment)
  • Diagnostic testing (includes radiology, ultrasounds, and laboratory services)
  • Physical therapy7
What happens if you get sick overseas? Guarantee you have health coverage.

Physician Benefits covered by Atlas Travel Insurance

Coverage for doctor’s visits is included with Atlas Travel insurance and is subject to your deductible and coinsurance. For covered injuries or illnesses, selecting a low deductible and seeking care from an in-network doctor will likely limit your out-of-pocket expenses. You may search for in-network physicians here. There are an unlimited number of doctor’s visits allowed with Atlas Travel for eligible medical conditions for the duration of the policy.

Other Medical Benefits

  • Extended care facility services if directly transferred from acute care hospital
  • Emergency dental treatment for pain
  • Emergency dental treatment due to an accident
  • Rental of basic hospital bed or wheelchair
  • Pregnancy complications occurring during the first twenty-six weeks of gestation
  • Injuries due to non-contact and non-organized amateur sports and athletic activities
  • Prescription Drugs (maximum sixty-day supply per prescription)


  • Routine physical, vision, or dental exams and immunizations
  • Diagnosis and Treatment of Sexually transmitted diseases and conditions
  • Treatment of mental health disorders and self-inflicted injury or illness
  • Diagnosis and Treatment of all forms of cancer or neoplasm
  • Acne, other acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of sebaceous glands, and hypertrophic and atrophic conditions of skin.
  • Chiropractic treatment
  • Orthopedic shoes, orthopedic prescription devices, and the treatment of weak, strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails.

Atlas Travel® insurance is a great option for security and peace-of-mind when you have parents or family visiting the U.S. This plan provides affordable protection to non-U.S. citizens who travel to the United States. Atlas America insurance is individual visitor’s health insurance designed for international visitors whose home country is outside the U.S. and who travel to the United States. Atlas International is individual health insurance designed for U.S. citizens who plan on traveling outside the U.S. The plan provides short-term travel medical insurance coverage for illnesses or injuries that may occur during travel or a temporary stay in the U.S., Puerto Rico, or the U.S. Virgin Islands. Atlas Travel insurance can be purchased for as little as 5 days with a maximum initial purchase of 364 days of coverage.

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Atlas Travel Claim Savings Example

Atlas Travel claim example

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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.