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.
Coverage highlights include:
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 80 and over is $10,000).
Coverage is available for Acute Onset of a Pre-Existing Condition (only available to travelers under age 80).
Trip Interruption now includes coverage for "death of a grandchild".
Baggage coverage is available up to $1,000 per traveler.
Coverage for Emergency Medical Evacuation is $500,000 (maximum lifetime limit).
Incidental Home Country Coverage is available to U.S. citizens to a maximum of 15 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.
The plan information below is nonspecific. To see actual amounts and to check plan availability, get a quote.
Fortunately, did not need to submit a claim, but the coverage provided peace of mind, will use HCC again as some companies have restrictions or age limits. It is the elderly that have a bigger need for travel insurance coverage.
Next time I go on an international trip, I will recommend the HCC Medical Insurance Services Atlas plan to my traveling companions. I did not file a claim, but several of the people traveling with me got sick and did not have the coverage they needed.