Frequently Asked Questions


Atlas Travel®

Am I Eligible for an Atlas Travel Insurance Plan?
If you are at least 14 days old and traveling internationally for at least 5 days, you are eligible for coverage. If you are under age 70, you may select the Overall Maximum Limit, ranging from $50,000 to $2,000,000. The Overall Maximum Limit for members age 70 to 79 is $100,000. Atlas Travel insurance offers coverage for applicants over 80 with a $10,000 policy maximum.

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When Does My Atlas Travel Coverage Become Effective and When Does it End?

Your Atlas Travel insurance coverage becomes effective on the latest of:

  • the moment we receive your application and correct premium (if application and payment is made online or by fax)
  • 12:01am Eastern Time on the date we receive your application and payment (if application and payment are made by mail)
  • the moment you depart from your home country
  • 12:01am Eastern Time on the date you request on your application

Your coverage will end on the earliest of:

  • 11:59pm Eastern Time on the last day of the period for which you have paid a premium
  • 11:59pm Eastern Time on the date requested on your application
the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)

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Does the Atlas Travel Plan Provide Any Home Country Coverage?

Atlas Travel does offer medical expense coverage in your home country in the following situations:

Benefit Period

Atlas Travel will cover eligible medical expenses in the member’s home country for 90 days after the beginning of treatment so long as the related illness or injury is eligible under the certificate, began while the certificate was still in effect, and treatment began while the member was outside their home country.

Incidental Home Country Coverage

For individuals with the U.S. as a home country, for every three month period during which the Member is covered hereunder, eligible medical expenses incurred in the U.S. are covered up to a maximum of 15 days.

For individuals with a home country other than the U.S., for every three month period during which the Member is covered hereunder, eligible medical expenses incurred in the Member’s home country are covered up to a maximum of 30 days. Any benefit accrued under a sin­gle 3-month period does not accumulate to another period. Failure of the Member to continue his or her international trip or the members returning to their home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.

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What Are Atlas International and Atlas America?

Atlas Travel policyholders who are U.S. citizens or non-U.S. citizens traveling outside of the U.S. will be covered under Atlas International, which provides coverage outside of the United States.

Atlas Travel policyholders who are non-U.S. citizens (and home country is not the United States) traveling to the United States will be covered under Atlas America. (For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands.)

The correct plan will be automatically selected for you when you purchase your Atlas Travel plan, depending on whether your trip includes coverage for the U.S. (you will only be covered for the U.S. if you are a non-U.S. citizen, your home country is not the United States,  and all or part of your travel includes the U.S.).

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What Is Covered Under the Atlas Travel Insurance Plan?
To see an overview of the benefits provided under Atlas Travel insurance coverage, please review our Atlas Travel product page or see the Atlas Travel Description of Coverage.

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How Do I Extend or Renew My Atlas Travel Insurance Coverage?

After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset.

If your travel does not include the United States and you are not a U.S. Citizen, you may extend your coverage up to a maximum of 365 days. After 365 days of continuous coverage you may renew your policy for two additional 365-day coverage periods. Deductible and Coinsurance must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions.

Extensions or renewals must be made online in the Client Zone with payment by credit card.

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How Do I Cancel My Atlas Travel Insurance Coverage?

You may submit a written cancellation request to Tokio Marine HCC – MIS Group prior to the effective date of coverage for a full refund. If Tokio Marine HCC – MIS Group receives the cancellation request following the effective date of coverage, only the unused portion of premium will be refunded. A $25 cancellation fee will apply. No refund will be issued for policies that have submitted claims.

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Atlas Group®

Is My Group Eligible for an Atlas Group Travel Plan?
If your group members are at least 14 days old and traveling internationally for at least 5 days, they are eligible for coverage. If they are under age 70, you may select the Overall Maximum Limit, ranging from $50,000 to $1,000,000. The Overall Maximum Limit for members age 70 to 79 is $100,000. Atlas Group international insurance offers coverage for applicants over 80 with a $10,000 policy maximum. The same Overall Maximum Limit must be purchased for every member of your group under the age of 70. The same deductible must be purchased for every member of your group.

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Does the Atlas Group Travel Insurance Plan Provide Any Home Country Coverage?

Yes. Atlas Group will provide foreign visitors with limited Home Country Coverage. However, there are two types of coverage in the home country, all of which are restricted to medical expenses only:

Benefit Period – Atlas Group will cover eligible medical expenses in the Member’s home country for 90 days after the beginning of treatment so long as the related illness or injury is eligible under the certificate, began while the certificate was still in effect, and treatment began while the Member was outside their home country.

Incidental Home Country Coverage – For individuals with the U.S.  as a home country, for every three month period during which the Member is covered hereunder, eligible medical expenses incurred in the U.S. are covered up to a maximum of 15 days.

For individuals with a home country other than the U.S., for every three month period during which the Member is covered hereunder, eligible medical expenses incurred in the Member’s home country are covered up to a maximum of 30 days. Any benefit accrued under a sin­gle 3-month period does not accumulate to another period. Failure of the Member to continue his or her international trip or the members returning to their home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.

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What are Atlas Group International and Atlas Group America?

Atlas Group policyholders who are U.S. citizens or non-U.S. citizens (and home country is not the United States) traveling outside of the U.S. will be covered under Atlas Group International, which provides coverage outside of the United States.

Atlas Group policyholders who are non-U.S. citizens traveling to the United States will be covered under Atlas Group America. (For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands.)

The correct plan will be automatically selected for you when you purchase your Atlas Group plan, depending on whether your trip includes coverage for the U.S. (you will only be covered for the U.S. if you are a non-U.S. citizen, your home country is not the United States, and all or part of your travel includes the U.S.).

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What Medical Expenses are Covered Under an Atlas Group Travel Plan?
To see an overview of the medical expenses covered under an Atlas Group Travel plan, please take a look at our Atlas Group product page or see the Description of Coverage.

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StudentSecure®

Am I Eligible for a StudentSecure® International Student Health Insurance Plan?

In order to be eligible for any of our StudentSecure® international student health plans, you must meet the following requirements:

  1. Must be a full-time student at a college or university, excluding online colleges and universities, or within 31 days of being a full-time student at a college or university; or must be a student under age 19 enrolled in a secondary school; or must be a full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week.

The full-time student/scholar status requirement is waived for participants within the U.S. holding a valid F-1 visa or J-1 visa. Full-time status requirements remain in force for individuals holding M-1or other category visas.

  1. Must be residing outside home country for the purpose of pursuing international educational activities.
  2. Must not have obtained residency status in the host country.

Participants visiting the U.S. must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested. For U.S. citizens and residents, the host country must be outside the U.S., including U.S. territories.

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When Does Coverage Become Effective Once I Get a StudentSecure® Plan?

Coverage becomes effective on the latest of:

  • the moment we receive your application and correct premium (if application and payment is made online or by fax)
  • 12:01am Eastern Time on the date we receive your application and payment (if application and payment are made by mail)
  • the moment you depart from your home country
  • 12:01am Eastern Time on the date you request on your application

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When Does Coverage Terminate with a StudentSecure® Plan?

Coverage terminates on the earliest of:

  • 11:59pm Eastern Time on the last day of the period for which you have paid a premium
  • 11:59pm Eastern Time on the date requested on your application
  • 12:01am U.S. Eastern Time on the date you no longer meet eligibility requirement
  • the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)

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Which Plan Should I Purchase, StudentSecure® Elite, StudentSecure® Select, StudentSecure® Budget, or StudentSecure® Smart?
Which plan you choose depends on several factors. We suggest you review the StudentSecure® Schedule of Benefits Chart to see which of our international student travel health insurance plan meets your needs.

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Do StudentSecure® Plans Provide Any Home Country Coverage?

Yes. StudentSecure® will provide foreign visitors with limited Home Country Coverage. However, there are two types of coverage in the home country, all of which are restricted to medical expenses only:

For individuals with the U.S. as their home country, for every three month period during which the Member is covered hereunder, medical expenses incurred in the U.S. are covered up to a maximum of 15 days.

For individuals with a home country other than the U.S., for every three month period during which the Member is covered here­under, medical expenses incurred in the Member’s home country are covered up to a maximum of 30 days.

Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers medical expenses only. Return to your home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.

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What International Medical Benefits are Covered in a StudentSecure® Insurance Plan?
To see all the benefits provided with a StudentSecure® international student health insurance plan, please visit our StudentSecure® product page or see the Description of Coverage.

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Are Any Pre-Existing Conditions Covered By a StudentSecure® Insurance Plan?
Charges resulting directly or indirectly from any pre-existing condition are excluded from StudentSecure Elite and StudentSecure Select during the first 6 months of coverage and from StudentSecure Budget during the first 12 months of coverage. All StudentSecure plans include Acute Onset of Pre-existing Conditions (excluding chronic and congenital conditions) up to a Lifetime Maximum of $25,000 for eligible expenses. Note that StudentSecure Smart provides Acute Onset of Pre-existing Conditions coverage only (see pages 11-12 of the StudentSecure Description of Coverage for definitions).

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Is There Any Maternity or Newborn Care Coverage with a StudentSecure® Insurance Plan?
When conception occurs after the effective date of coverage, StudentSecure® Elite, StudentSecure® Select, and StudentSecure® Budget plans provide maternity benefits, including but not limited to Pre-natal, Delivery, and Post-natal Care for a covered pregnancy, subject to the maximums shown in the Schedule of Benefits and Limits. There is no maternity coverage for StudentSecure® Smart.

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I am Planning to Play a Team Sport When I Study Abroad. Am I Covered with a StudentSecure® Plan?

Organized sports activities are part of the benefits you receive with a StudentSecure plan. Medical expenses for injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecure Budget plan up to a maximum of $3,000 per injury or illness and up to a maximum of $5,000 per injury or illness for StudentSecure Elite or StudentSecure Select.

To be eligible for coverage, the sports or athletics must be sanctioned by your school and cannot be performed for any wage, reward, or profit.

No organized sports coverage is provided under StudentSecure Smart.

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Is There Mental Health Coverage with a StudentSecure® Plan?

StudentSecure® provides benefits for mental health disorders (treatment must not be obtained at a student health center).

Under StudentSecure Elite and StudentSecure Select, outpatient or inpatient coverage is 80% within the PPO and 60% out of network with a maximum of 30 days of coverage. Coverage includes drug abuse or alcohol abuse.

Under StudentSecure Budget, outpatient is covered up to a $50 maximum per day and up to a $500 lifetime maximum. Usual, reasonable, and customary inpatient charges are covered up to a $10,000 lifetime maximum. Coverage includes drug abuse or alcohol abuse.

Under StudentSecure Smart, outpatient is covered up to a $50 maximum per day and up to a $500 lifetime maximum. Usual, reasonable, and customary inpatient charges are covered up to a $5,000 lifetime maximum.

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Am I Covered with a StudentSecure® Plan if I Have an Accident that Involves Dental Injuries?

The following emergency dental expenses are covered with the StudentSecure international student medical insurance plan:

Emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or damaged in a covered accident, subject to a maximum of $250 per tooth and $500 Certificate Period Maximum; and emergency dental treatment necessary to resolve acute, spontaneous, and unexpected onset of pain subject to a maximum benefit of $100 per Certificate Period.

No dental treatment is provided under StudentSecure Smart.

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Does StudentSecure® Provide Coverage for an Emergency Medical Evacuation?
If recommended by your attending physician, who certifies that evacuation is necessary to safeguard your life and that medically-necessary treatment is not available locally, and if approved in advance and coordinated by Tokio Marine HCC – MIS Group, StudentSecure® will provide the following benefit: Emergency air and/or ground transportation to the nearest hospital that is qualified to provide the medically necessary treatment.

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Does StudentSecure® Have Emergency Reunion Coverage?

StudentSecure® will provide benefits, up to the maximum indicated in the Schedule of Benefits and Limits, for the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized and for reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days in either of the following situations:

  1. Following a covered Emergency Medical Evacuation; or
  2. You are hospitalized due to a life-threatening injury or illness for more than five days.

Tokio Marine HCC – MIS Group must be notified in advance of the travel of the relative in order for Emergency Reunion benefits to be payable. Emergency Reunion benefits that are not related to an Emergency Medical Evacuation will be paid only following the end of the inpatient hospitalization.

You can reach our Customer Service team by calling them directly at (800) 605-2282 or (317) 262-2132 (collect calls accepted).

Representatives will also answer emails sent to [email protected] or via Live Chat.

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I'm Worried About Acts of Terrorism in My Host Country; Is There Coverage for That?

StudentSecure® Elite, StudentSecure Select, and StudentSecure Budget provide medical coverage for injuries and illnesses resulting from an act of terrorism, subject to a $50,000 Lifetime Maximum, provided all of the following conditions are met:

  1. The injury or illness does not result from chemical, nuclear or biological weapons or events.
  2. You have no direct or indirect involvement in the act of terrorism.
  3. The act of terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months prior to your date of arrival.
  4. You have not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.

An act of terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

*StudentSecure Smart does not provide coverage for medical expenses incurred due to an act of terrorism.

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Is There Any Accidental Death and Dismemberment Coverage Included with a StudentSecure Plan?

In the event of your accidental death or dismemberment resulting from a covered injury, StudentSecure Elite and StudentSecure Select will provide the following benefit:

  • Accidental Death - Principal sum to the beneficiary designated on your application
  • Loss of Sight in Both Eyes or Loss of Two or More Limbs - Principal sum to you
  • Loss of Sight in One Eye or Loss of One Limb - One-half of the principal sum to you

Loss of Sight - Defined as total and irrevocable loss of sight.

Loss of Limb - Defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle.

StudentSecure Elite and StudentSecure Select offer an optional AD&D Rider for an additional $25,000 lifetime maximum. Neither StudentSecure Budget nor StudentSecure Select provides an Accidental Death and Dismemberment benefit.

Note that the Accidental Death and Dismemberment benefit is not available for losses resulting from an act of terrorism.

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Should Something Happen and Death Occurs, Do You Cover the Transportation of Remains Back Home?
In the event of a covered injury or illness resulting in your death, StudentSecure® will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your principal residence, and reasonable costs of preparation of your remains necessary for transportation.

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What if I Have to Go to the Hospital On the Day My StudentSecure® Plan Terminates?
If you are hospitalized as inpatient on your coverage termination date, StudentSecure® will provide a benefit period of 60 days for the condition(s) you were hospitalized for only. The benefit period begins on the first date that you receive diagnosis or treatment for that condition and continues for 60 days, regardless of whether you are abroad or return to your home country.

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How Do I Extend or Renew My StudentSecure® Insurance Coverage?
Renewal may be completed within the last 6 months of a 12-month Certificate Period. Deductible and coinsurance must be re-satisfied as of each renewal date. Extensions and renewals can be made online in Student Zone with payment by credit card.

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How Do I Cancel My StudentSecure® Insurance Coverage?

To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:

  1. A $25 cancellation fee will apply
  2. Only premium for unused whole-months of the plan will be refunded
  3. Only members who have no claims are eligible for premium refund
  4. After 60 days, no refunds are granted

To contact Tokio Marine HCC – MIS Group regarding cancelling your StudentSecure® policy, you may choose one of the following methods:

Call us at (800) 605-2282 or (317) 262-2132 (collect calls accepted)

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Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s, London. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. 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 HCC Underwriting Agency Ltd.