Atlas International Travel

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.

Details

FAQs

Claims

Atlas International Travel Plan Details

Overview

Deductible	$0, $100, $250, $500, $1,000 or $2,500 per certificate period
Co-Insurance	For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the overall maximum limit. This benefit only applies to claims incurred outside the U.S. or Canada.
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	$100 per day of inpatient hospitalization Not subject to deductible or coinsurance
Physical Therapy	$50 maximum per day
All Other Eligible Medical Expenses	Usual, reasonable and customary charges
Acute Onset of Pre-existing Condition	Limited benefit up to the medial coverage maximum (excludes chronic and congenital conditions). $25,000 lifetime maximum for emergency medical evacuation. Only available to members under age 70
Emergency Dental	$250 limit per certificate period For acute onset of pain. Not subject to deductible or coinsurance.
Emergency Medical Evacuation	$1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition. Not subject to deductible or coinsurance
Return of Minor Children	$50,000 per certificate period Not subject to deductible or coinsurance
Pet Return	Up to $1,000 to return a traveling pet home if insured is hospitalized
Repatriation of Remains	Overall maximum limit Not subject to deductible or coinsurance
Emergency Reunion	$50,000 limit per certificate period, subject to a maximum of 15 days Not subject to deductible or coinsurance
Natural Disaster	Maximum $100 a day for 5 days Not subject to deductible or coinsurance
Trip Interruption	$5,000 limit per certificate period Not subject to deductible or coinsurance
Trip Delay	$100 for a 12-hour delay requiring an unplanned overnight stay (2 day max)
Lost checked Luggage	$500 limit per certificate period Not subject to deductible or coinsurance
Political Evacuation	$10,000 lifetime maximum Not subject to deductible or coinsurance
Terrorism	$50,000 maximum lifetime limit, eligible medical expenses only.
AD&D	$250,000 maximum benefit per one family or group Members up to age 18 Lifetime max. - $5,000; Death - $5,000; Loss of 2 limbs - $5,000; Loss of 1 limb - $2,500 Members age 18 through 69 Lifetime max. - $50,000; Death - $50,000; Loss of 2 limbs - $50,000; Loss of 1 limb - $25,000 Members age 70 through 74 Lifetime max. - $12,500; Death - $12,500; Loss of 2 limbs - $12,500; Loss of 1 limb - $6,250 Members age 75 and older Lifetime max. - $6,250; Death - $6,250; Loss of 2 limbs - $6,250; Loss of 1 limb - $3,125 Excludes loss due to common carrier accident. Not subject to deductible or coinsurance.
Common Carrier Accidental Death	$250,000 maximum benefit per any one family or group Up to age 18 - $25,000 per member; Age 18 to 69 - $50,000 per member; Age 70 to 74 - $12,500 per member; Age 75 and older - $6,250 Not subject to deductible or coinsurance
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)