Atlas International Travel Plan

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



$0, $100, $250, $500, $1,000 or $2,500 per certificate period


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


$50,000 maximum lifetime limit, eligible medical expenses only.


$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

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)

For full policy information, see your policy certificate for details.

Atlas International Travel Frequently Asked Questions

Are pre-existing conditions covered under international medical?

Under short term medical plans pre-existing conditions are not covered. If you are looking for a permanent plan because you are going to be out of your home country for longer than six months please give us a call for advice.

Does Medicare pay for international medical expenses?

Medicare will not cover cost associated with international travel. Some Medicare supplements will pay limited expenses but you must pay everything up front and file for reimbursement.

For more information you can visit

If I am exposed to Ebola and quarantined what will my international medical insurance cover?

You may be covered if you have to be quarantined due to Ebola.

Policies can provide coverage for cancellation and interruption due to you or your traveling partner or family member being quarantined. If the need for quarantine affects your trip, Trip Interruption coverage may be available to cover the cost to catch up to your trip once you have been cleared to travel. Also, coverage may also be available through the Trip Cancellation provision of your policy if you are required to cancel your trip due to the quarantine.

Policies that offer this type of coverage will list “Quarantine” as a covered reason under the policy’s Trip Cancellation and Trip Interruption benefit.

Coverage is subject to change as conditions related to Ebola change.

For up-to-date information, travel warnings and breaking news, visit:

What do I do if I have a claim?

If you are seeking treatment at a medical facility or provider, give that provider the contact information to the company you are covered under. Many times the insurance company can provide payment upfront. If you have paid anything out-of-pocket then save all your receipts, medical bills, and forms pertaining to your claim. Complete the appropriate claim form from that insurance company and submit it with the associated bills and payment information. Many companies offer online tools to help you file a claim or to check on the status of a pending claim.

Which doctor or hospital can I go to?

The PPO provider for Patriot America Insurance is FirstHealth PPO Network. FirstHealth PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities.

You can search for doctors or hospitals in this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits.

Who do I call in case of an emergency?

First, seek immediate medical treatment and call the local emergency number in your area or contact an emergency service provider. Depending on where you are, you may not be in an area that provides emergency medical services.

Then contact the insurance company by using the phone number on the back of your ID card. They will accept collect calls. The insurance company may provide emergency medical evacuation if it is a part of your covered benefits. Contacting the insurance company as soon as possible can help reduce delays in medical treatment and claims.

Make sure a trusted friend or family member has a copy of your ID card, travel itinerary, and travel documents as back-up.

What insurance documents do I need to take on my trip?

Now that your travel insurance is in place, it’s important that you take a few documents with you on your trip and also leave a copy of these at home with a family member or friend.
1. Your confirmation of coverage document.
2. The insurance’s company’s emergency contact phone number.
3. Your policy number.
4. Your coverage and benefits policy pages.
Before your trip be sure that you have read your policy and are familiar with the benefits available so you can ask questions if there is something unclear.

I couldn’t find the answer to my question.

We gather feedback from our users and continuously add information to our website to better help you with questions. We are sorry you haven’t found the information you are looking for, please give us a call.

Contact information
Phone: 1-866-971-7936

Am I covered for sports or team events?

Organized sporting teams, whether amateur or professional, are generally not covered by these travel plans. If you are traveling with a sports team, contact your organization about coverage. Most are covered under a group blanket plan.

Student designed plans can offer limited sports coverage while being played with a school team, depending on the plan chosen.

Are vision and dental benefits covered under a short-term medical plan?

Unless state-mandated, vision and dental are not covered under a short-term medical plan. Emergency dental work due to an accident may be included under a standard plan.

Can I cancel my coverage?

If you cancel your coverage before it begins, most carriers waive any cancellation fee. If you cancel after your coverage begins, there may be a cancellation fee. Only unused portions of your premium will be refunded, often in whole monthly increments only.

If you are concerned about the need to cancel coverage, then you may purchase trip cancellation coverage as a rider on some plans or purchase a stand-alone trip cancellation plan to cover your accident/ sickness and trip cancellation needs in one.

Can my coverage start today?

Your insurance coverage cannot start on the same day you apply. The earliest most plans can begin is 12:01am the next day.

Does travel insurance cover pregnancy?

Under short term medical policies pregnancy including complications is generally excluded. With some long term plans if you have the coverage for 11 months or longer maternity coverage can be purchased.
Policy provision varies by carriers and travel policies. If you have specific questions, please give us a call at 1-866-971-7936

How do I extend or renew my coverage?

Extension or renewal options vary from plan to plan. Some plans are not extendable or renewable, and some are only renewable if you purchase a minimum number of months. If your plan is renewable or extendable, you must renew before the expiration date. Otherwise, you will need to reapply and satisfy new deductibles or waiting periods. Policies do not automatically renew; you will receive your renewal notice by email.

How early should I purchase my travel insurance?

You may need to buy your coverage quickly. Certain plans, such as trip cancellation plans, have benefits that are not available unless you purchase your coverage within 10-15 days of your initial down payment on your trip. Trip cancellation may exclude pre-existing conditions, or not offer a “Cancel for Any Reason” benefit if you purchase coverage after a certain number of days from the time that you make your initial trip deposit. See the brochure for details.

What is a pre-certification requirement?

Certain medical procedures and benefits require pre-certification before the insurance company will approve the cost. Procedures and treatments such as but not limited to surgeries, emergency medical evacuation, CAT scans, MRI scans, and return of mortal remains must be pre-certified before treatment, or coverage may be reduced by 50% and other expenses forfeited. Only you and your doctor can decide the appropriate course of treatment for your injury or illness. Most carriers offer the option to pre-certify online through your consumer portal or by phone.

What is international medical insurance coverage?

International Medical coverage is health insurance that covers you for accidents or non-preexisting illness when you are traveling outside your home country. Coverage can be tailored in ways to meet your specific needs.

Who can buy international medical coverage?

Anyone traveling outside their home country, vacation travelers, business travelers, students, missionaries.

Why do I need insurance while outside my home country?

In most case your domestic medical coverage will not cover you while abroad or may offer only limited benefits. Medicare does not travel with you and your Medicare Supplement plans only have limited benefits.
Travel insurance also provides coverage for emergencies such as evacuation due to medical condition, civil unrest or natural disasters, repatriation or assistance with minors. Your domestic medical coverage does not provide these benefits which, if needed, can be very costly.

Will short-term coverage provide benefits for travel vaccinations, wellness check-up, or female preventative care?

Preventative care is generally not covered under short-term travel plans. Long-term expatriate plans and some student health plans may offer variations of wellness care.

Atlas International Travel Claims & Assistance

  • HCC Medical Insurance Services, LLC
  • 251 North Illinois Street
  • Indianapolis
  • IN, 46204

1-317-262-2132 (outside US)


1-317-262-2132 (outside US)