HCC Medical Insurance Atlas International

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.

Plan Info
Plan Type
Single-Trip Medical
View Certificate
View Certificate
Refund Policy
Varies by Request Date
Insurance Underwriter
Lloyd's
AM Best Rating
A
Years in Business
214

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

Trip Protection
Trip Cancellation
Not Available
Trip Interruption
$5,000 max.
Financial Default
Terrorism in Itinerary City
Cancel for Any Reason
Baggage Loss
$1,000 (secondary)
Baggage Delay
Travel Delay
Supplier Default
Medical
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
Terrorism
$50,000 max.
Dental
Included in Medical (secondary)
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
Acute Onset
$100,000 Medical or
$50,000 Medical,
$25,000 Medical Evac.


Waiver
Lookback Period
2 Years
Pre-Existing Condition Period
Evacuation
Medical Evacuation
$500,000 max. Lifetime Limit (secondary)
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
$25,000 max.
Common Carrier
$50,000 max.
Flight Only
Included in Accidental Death - Common Carrier
Additional Benefits
24-Hour Emergency Assistance
Yes
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


Political Evacuation

Home Country Coverage

Customer Ratings


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

(4.55)
on average based on
467 reviews.

Better Business Bureau Rating
A-

A.M. Best Rating
A

Latest Reviews

HCC Medical Insurance Services
Atlas International
Thanks for offering a plan while we were out of the country. We extended our plans and it was good to be able to buy another plan to cover us during that time.
Elaine C.
HCC Medical Insurance Services
Atlas International
Getting the insurance was really easy. However I didn't file a claim so I'm not sure how HCC actually works. I had a longer term policy and the most frustrating thing was that HCC requires you to call in for just about everything, so if you're overseas it can be really difficult or expensive since there just aren't that many land line phones around.
Sadaf K.
HCC Medical Insurance Services
Atlas International
My answers to the questions I have to click on are "I don't know, I suppose so". But you don't give me that option so I gave wishy-washy answers.
Thomas S.
See all reviews

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