Atlas International® Insurance

If you’re planning for international travel, then it’s important to prepare for the potential risks involved. Would you know how to seek treatment if you suffered an injury or illness unexpectedly? Would your medical expenses be covered by your home country health insurance?

While no one wants to dwell on the travel mishaps and health issues that might arise abroad, it’s important to be prepared with quality travel medical insurance like Atlas International.

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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What is Atlas International Insurance?

Atlas International is a travel medical insurance policy for individuals who are traveling outside of their home country and whose travel plans do not include the United States.

(If you are not a U.S. citizen or resident and your travel plans do include the U.S., see our Atlas America insurance page.)

Available to individuals, families, and groups, Atlas International insurance can cover individuals from most countries who are at least 14 days old and traveling abroad. Policies must cover a minimum of 5 days, though you do not have to travel all 5 days to be eligible for coverage. You can purchase up to 365 days of coverage and renewals are available (for up to 2 additional coverage periods) for non-U.S. citizens.

Who should consider travel medical insurance when traveling abroad?

  • Tourists and vacationers
  • Business travelers, freelancers, and individuals enrolled in work abroad programs
  • Missionaries, service workers, and international volunteers
  • Backpackers, adventure travelers, and eco-tourists
  • Study abroad students

What benefits does Atlas International provide?

With an Atlas International insurance plan, you will receive benefits for eligible medical expenses incurred while traveling outside of your home country, including Hospital Room and Board, Local Ambulance, Emergency Medical Evacuation, Intensive Care Unit, and all other eligible costs.

You’ll also receive supplemental travel benefits such as Trip Interruption, Travel Delay, and Lost Checked Luggage.

Key features of Atlas International insurance:

  • Up to $2,000,000 in maximum coverage per injury or illness and per certificate period
  • Your choice of deductible ranging from $0 to $5,000 per certificate period
  • 100% coverage for eligible expenses after the deductible, then 100% to the maximum coverage limit
  • International provider search engine to help you find qualified medical providers in over 130 countries and territories worldwide
  • Travel assistance services available in multiple languages 365 days a year

Additional benefits of Atlas International insurance:

  • Accidental Death & Dismemberment (AD&D)
  • Repatriation of Remains
  • Political Evacuation
  • Terrorism
  • Natural Disaster
  • Personal Liability

To see the full list of Atlas International insurance benefits and exclusions, see the Description of Coverage.

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Why choose Atlas International insurance?

Quality Protection

After the deductible, Tokio Marine HCC – MIS Group will pay 100% of eligible medical and emergency travel expenses up to the overall maximum or benefit limit.


Atlas International policies are flexible and budget-friendly. They allow you to select the deductible, length of coverage, and coverage maximum that best align with your needs.


You can buy online and receive your policy documents immediately. Plus, your fulfillment document will include instructions on how to seek medical treatment, how to file a claim, and how to contact the customer service department with additional questions.

International Provider Search Engine

Find doctors and hospitals in over 130 countries and territories worldwide.

Year-Round Assistance

As an Atlas International policyholder, you will receive access to our line of travel assistance services, available in multiple languages 365 days a year. These services include:

  • Lost passport and travel documents assistance
  • Assistance with emergency cash transfers
  • Embassy and consulate referrals
  • Legal and accounting referrals
  • Provider referrals

Easy Extensions

Extending your coverage is easy – after purchase, you can extend your policy (5-day minimum) up to a maximum of 365 days (for non-U.S. citizens) or up to 364 days (for U.S. citizens) from your initial coverage start date. Provided there is no break in coverage, you will not be required to re-satisfy your deductible and your benefit limits will not reset.

For non-U.S. citizens, renewals are available for up to 2 additional coverage periods, though each renewal requires satisfaction of a new deductible.

Cancellation Available

If you need to cancel your policy, you can submit a written cancellation request to Tokio Marine HCC – MIS Group prior to your effective date of coverage for a full refund. If Tokio Marine HCC – MIS Group receives the cancellation request after the effective date of coverage, only the unused portion of premium will be refunded and a $25 cancellation fee will apply. No refund will be issued for policies that have submitted claims.

Be sure to review the cancellation policy so you know whether you’ll be eligible for a refund and whether fees will apply.

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Does Atlas International meet visa requirements?

As an international traveler, you may need a visa in order to gain entry into certain countries. Whether or not you’ll need a visa is determined by the countries you choose to visit and your country of citizenship. The type of visa you’ll need is dependent on the purpose of your travel.

Some international visas require proof of travel medical insurance that meets strict requirements.  One such visa is the Schengen visa, required by international travelers who will be traveling to and within the 26 European countries comprising the Schengen Area. Atlas International insurance meets Schengen visa requirements and provides policyholders with access to a visa letter to serve as proof of coverage.

Learn more about Schengen visa insurance here.

Even if your visa does not require you to have travel medical insurance, travel authorities like the Centers for Disease Control and Prevention (CDC) and the U.S. Department of State still recommend that you purchase health coverage for your global travels.

What happens if you get sick overseas? Guarantee you have health coverage.


Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s. 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.