HCC Medical Insurance Atlas International

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The HCC Atlas International is a single-trip travel medical plan available to U.S. and non-U.S. citizens who are traveling outside of their home country, but not within the U.S. Your primary health insurance may not fully cover you while you are traveling abroad, and this plan can help to fill in those coverage gaps.

You are able to customize your plan by selecting the medical limit that best fits your needs. The available medical limits are $50,000; $100,000; $200,000; $500,000 and $1,000,000. The maximum medical limit for travelers between the ages 70-79 is $100,000. For travelers 80-years-old or older, the maximum limit is $10,000.

Trip interruption benefits can help with the cost of an economy one-way air or ground transportation back home. Covered reasons for trip interruption are destruction to more than 40% of your principal residence by fire or weather (after departure from home country) as well as the death of a parent, spouse, sibling, child or grandchild. Another travel-related coverage in this plan is baggage protection. It will cover up to $500 dollars (up to $50 per item) for replacement of clothes and personal hygiene items if your bag is lost during transit.

Incidental Home Country Coverage is available to U.S. citizens to a maximum of 15 days per three-month period of coverage. If you have an incidental trip back to the U.S. and incur medical expenses during that time, this benefit may be necessary.

This plan also provides coverage for a natural disaster. The natural disaster benefit can help to defray the cost of replacement accommodations in the event you are displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Travel Medical plans offer specific coverage needed while traveling abroad. These plans are available to travelers who are leaving their home country and require medical insurance to fill the gaps in their primary health insurance coverage.

Highlighted Coverages

Pre-Existing Lookback Period

Plan Information

View Certificate
AM Best Rating

Trip Protection

Trip Cancellation
Not Available
Trip Interruption
Financial Default
Terrorism in Itinerary City
Interrupt for Any Reason
Cancel for Any Reason
Baggage Loss
Baggage Delay
Travel Delay


Evacuation from
Evacuation to
Evacuation criteria

Pre-Existing Condition

Lookback Period

Accidental Death

24-Hr Full Coverage
Common Carrier
Flight Only
Included in Accidental Death - Common Carrier

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Ratings and reviews

Our customers rate the HCC Medical Insurance Services Atlas International plan on our site
on average based on 735 reviews.
A.M. Best Rating
Better Business Bureau Rating
This travel insurance was a good buy. One of those things you need to have and wish you won't use it. Just in case, the help or assistance is just a phone call away.
Virginia P.
We didn't worry about a thing.I talked to a couple of people on the trip and they got a plan too. It is the only way to travel and your rate was a few dollars cheaper then the rest.
Kenneth T.
Did not use the plan, but it appeared to cover all that I wanted in the way of coverage.
Jennie R.
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