Atlas International Travel Insurance
No matter the reason, international travel should be a pleasant experience. HCC’s Atlas International travel insurance plan helps protect you from potential financial disasters related to injuries, illnesses and natural disasters while traveling abroad. Atlas International travel insurance is specifically designed for U.S. or non-U.S. citizens traveling outside their home country, but does not include travel to the U.S.
What makes this plan so great?
- Five policy maximum options ($50,000/$100,000/$200,000/$500,000/$1,000,000)
- Six deductible options ($0, $100, $250, $500, $1,000 or $2,500)
- Length of travel can range from 5 days to 364 days
- Translation assistance while being treated
- Pet return benefit
With Atlas International travel insurance you’ll receive outstanding customer service. 24/7 Worldwide Travel and Medical Assistance, pre-trip destination information, medical monitoring, travel document replacement, lost luggage assistance and emergency travel assistance is included in all Atlas International plans with support from HCC’s customer service representatives.
Atlas International Travel Plan Details
Overview
Deductible | $0, $100, $250, $500, $1,000 or $2,500 per certificate period |
Co-Insurance |
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Hospital Room and Board | Average semi-private room rate, including nursing services |
Local Ambulance | Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient. |
Intensive Care Unit | Usual, reasonable and customary charges |
Emergency Room Co-payment | $200 co-payment for each use of emergency room for an illness unless the member is admitted to the hospital. There will be no co-payment for emergency room treatment of an injury. |
Urgent Care Center | For each visit, the member shall be responsible for a $50 co-payment, after which co-insurance will apply. |
Hospital Indemnity |
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Physical Therapy | $50 maximum per day |
All Other Eligible Medical Expenses | Usual, reasonable and customary charges |
Acute Onset of Pre-existing Condition |
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Emergency Dental |
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Emergency Medical Evacuation |
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Return of Minor Children |
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Pet Return | Up to $1,000 to return a traveling pet home if insured is hospitalized |
Repatriation of Remains |
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Emergency Reunion |
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Natural Disaster |
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Trip Interruption |
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Trip Delay | $100 for a 12-hour delay requiring an unplanned overnight stay (2 day max) |
Lost checked Luggage |
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Political Evacuation |
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Terrorism | $50,000 maximum lifetime limit, eligible medical expenses only. |
AD&D |
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Common Carrier Accidental Death |
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Hospital Pre-certification Penalty | 50% of eligible medical expenses |
Overall Maximum Limit Per Certificate Period | Age 80 or older - $10,000; Age 70 to 79 - $50,000, $100,000; All others - $50,000, $100,000, $200,000, $500,000 or $1,000,000 |
Crisis Response | $10,000 limit per certificate period; includes access to Unity Crisis Group services |
Personal Liability | $10,000 lifetime maximum |
Bedside Visit | $1,500 (economy ticket for family member to visit if member admitted to ICU) |