Visitors Insurance

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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Atlas America® visitor's insurance from HCC Medical Insurance Services provides valuable benefits and services with direct billing from many U.S. medical providers!

Atlas America® is visitor's health insurance with no medical underwriting and online enrollment!

When traveling out of your home country, consider planning for visitor insurance as a key component of your travel arrangements – a component that is just as important as booking a hotel or airline ticket. While no one intends to suffer an illness or injury, unfortunately, those problems can occur during international travel. Instead of risking your health and safety or incurring the high cost of overseas medical treatments, be prepared prior to leaving home.

Additionally, visitor insurance may not be optional. Some countries require travelers to show proof of medical insurance prior to issuing a visa. Verify with your embassy if medical insurance is required or visit the U.S. Department of State website to verify if this is required for your visa. Individuals who buy Atlas America insurance are provided with a “visa letter” showing proof of coverage which shows the visa holder's name, passport information, length of stay, and medical coverage maximums which can be taken to your visa interview appointment. When you purchase visitor health insurance from HCCMIS, you will also be given an Atlas America® identification card for when you seek care from a hospital or doctor so that the doctor or hospital can bill HCCMIS directly for your medical expenses.

As part of the planning process, do not assume that your medical insurance will travel with you. According to the U.S. Department of State, many medical providers do not cover medical costs outside your home country. Your medical insurance may not reimburse you on claims for any overseas visits. Atlas America insurance can be the perfect solution for those who need visitors insurance in the USA.

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Covered Benefits Provided With Atlas Travel® Atlas Travel® 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 amounts for medical evacuation are much lower.
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 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.

Understanding Visitor's Health Insurance

Understanding visitor health insurance can be complicated since you are used to your home country’s medical insurance. Here’s some helpful information on visitors health insurance:

Visitor's health insurance like Atlas America® visitors insurance from HCC Medical Insurance Services offers the following benefits for eligible medical conditions:

Key Visitor's Insurance Benefits from HCCMIS
  • Emergency Medical Expenses (both inpatient hospitalization and outpatient)
  • Hospitalization
  • Acute onset of pre-existing conditions coverage up to $100,000
  • Local Ambulance
  • Doctor Office Visits
  • Emergency Dental Treatment
  • Prescription Drugs
  • Emergency Medical Evacuation
  • Repatriation of Mortal Remains
  • Accidental Death & Dismemberment (AD&D)
  • Trip Interruption / Trip Delay
  • Bedside Visit

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Deductible – With Atlas America visitors insurance you choose the deductible amount which will be required for you to pay to your healthcare provider. This out-of-pocket amount is called the deductible. With Atlas America there is one deductible per certificate period. This means for the length of coverage selected, you will pay the deductible one time. You are able to choose the deductible you feel comfortable with when you buy Atlas America. The deductible options for Atlas America are:

  • $0
  • $100
  • $250
  • $500
  • $1,000
  • $2,500

Co-insurance – With Atlas America® visitors insurance you are covered for eligible medical expenses, at 100% after your deductible with in the provider network. HCCMIS offers a comprehensive provider network that can be searched online. Search for in-network providers here. However, if you choose to utilize out-of-network providers, HCCMIS will pay 80% of your eligible medical costs. The remaining 20% is patient responsibility and is known as coinsurance. For example, Atlas America members have saved as much as 97.91% of their total medical bill by using our provider network.

Overall Maximum Limit – The overall maximum limit is selected at the time of purchase. For those under 70 years old, you have overall maximum limit options:

  • $50,000
  • $100,000
  • $200,000
  • $500,000
  • $1,000,000

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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.