HCC Medical Insurance Atlas America

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.

Coverage highlights:

  • 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.
  • $100/day; 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.

Plan Info
Plan Type
Single-Trip Medical
View Certificate
View Certificate
Refund Policy
Varies by Request Date
Insurance Underwriter
AM Best Rating
Years in Business

Coverage amounts are per person, unless otherwise noted.
Click a coverage to read details or view the full certificate.

Trip Protection
Trip Cancellation
Trip Interruption
$5,000 max.
Financial Default
Terrorism in Itinerary City
Cancel for Any Reason
Baggage Loss
$250 (secondary)
Baggage Delay
Travel Delay
Supplier Default
Medical Limit
$50,000 (+$) (secondary)
$100,000 (+$) (secondary)
$200,000 (+$) (secondary)
$500,000 (+$) (secondary)
$1,000,000 (+$) (secondary)
Complications of Pregnancy
First 26 weeks of pregnancy only
$50,000 max.
Included in Medical (secondary)
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
Acute Onset
$50,000 Medical,
$25,000 Medical Evac.

Lookback Period
2 Years
Pre-Existing Condition Period
Medical Evacuation
$500,000 max. Lifetime Limit (secondary)
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
$50,000 max.
Common Carrier
$50,000 max.
Flight Only
Included in Accidental Death - Common Carrier
Additional Benefits
24-Hour Emergency Assistance
Rental Car

$0 ded. (+$)
$100 ded. (+$)
$250 ded. (+$)
$500 ded. (+$)
$1,000 ded. (+$)
$2,500 ded. (+$)
$100/day; 5 day max.
Natural Disaster Benefit Included

$10,000 Crisis Response Benefit

$10,000 Personal Liability Benefit

Customer Ratings

Our customers rate the HCC Medical Insurance Services Atlas America plan on our site

on average based on 65 reviews.

Better Business Bureau Rating

A.M. Best Rating

Latest Reviews

HCC Medical Insurance Services
Atlas America
Excellent customer service representative that walked me through the process and selection. She was competent, patient, and helpful. Thank you.
Andrea L.
HCC Medical Insurance Services
Atlas America
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.
Michelle M.
HCC Medical Insurance Services
Atlas America
The plan for my mother-in-law was a little expensive. However, I believe that's because she's 76 years old.
Marilia P.
See all reviews

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