The HCC Atlas America is a single-trip Travel Medical plan available to non-U.S. citizens who are traveling outside of their home country and 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 age 70-79 is $100,000, and $10,000 for travelers age 80 and over).
Coverage for Emergency Medical Evacuation is $500,000 (maximum lifetime limit).
Coverage is available for Acute Onset of a Pre-Existing Condition (only available to travelers under age 70).
Incidental Home Country Coverage is available to Non-U.S. citizens to a maximum of 30 days per three month period of coverage.
Accidental Death and Dismemberment coverage is available.
You can choose the deductible amount with which you are most comfortable.
5 day maximum Natural Disaster Benefit included, which 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
This plan does have a Pre-Existing Condition lookback period of 2 years immediately preceding the certificate effective date, as well as a Coinsurance clause for claims made within the U.S. or Canada.
The plan information below is nonspecific. To see actual amounts and to check plan availability, get a quote.
Thank you to InsureMyTrip, they stepped in and resolved our issue with HCC and all our claims are now paid. Unfortunately I still would not recommend HCC since they were not very helpful and the phone representatives were uninformative and in some cases, rude. They did pay our claims, though, so that's a good sign, I just hope they improve their internal organization.