HCC Medical Insurance Atlas Multi-Trip

The HCC Atlas Multi-Trip is a multi-trip Travel Medical plan available to both U.S. and non-U.S. citizens, up to age 75, who are traveling outside of their home country (but not within the U.S.). This plan covers trips up to 30 or 45 days in length (per trip), and you are required to have primary medical coverage in force to be eligible for this plan.

Coverage highlights:

  • Maximum Medical limit of $1,000,000
  • Coverage for Emergency Medical Evacuation is $1,000,000 (maximum lifetime limit)
  • Coverage is available for Acute Onset of a Pre-Existing Condition (only available to travelers under age 70)
  • Accidental Death and Dismemberment coverage is available
  • Sports Rider is included
  • $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
Multi-Trip Medical
View Certificate
View Certificate
Refund Policy
Prior to Effective 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
Interrupt for Any Reason
Cancel for Any Reason
Baggage Loss
$500 (secondary)
Baggage Delay
Travel Delay
Supplier Default
Medical Limit
$1,000,000 (secondary)
Complications of Pregnancy
First 26 weeks of pregnancy only
$50,000 max. (secondary)
Emergency Relief of Pain - $250 max. (secondary)

Accident - Up to Medical Maximum (secondary)
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
Acute Onset
Benefit Equal to Medical Maximum,
$25,000 Medical Evac.

Lookback Period
2 Years
Pre-Existing Condition Period
Medical Evacuation
$1,000,000 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

30 days max. per trip (+$)

45 days max. per trip (+$)
$250 deductible per person, per trip

Primary Coverage Required

$100/day; 5 day max.
Natural Disaster Benefit Included

Sports Rider Included

$10,000 Crisis Response Benefit

$10,000 Personal Liability Benefit

Customer Ratings

Our customers rate the AIG Travel Guard Basic plan on our site

on average based on 433 reviews.

Better Business Bureau Rating

A.M. Best Rating

Latest Reviews

HCC Medical Insurance Services
Atlas Multi-Trip
We are repeat customers of InsureMyTrip, and as expected, received top quality service, and realistic plans and prices. We will certainly use your services again in the future. Best wishes!
Forrest V.
HCC Medical Insurance Services
Atlas Multi-Trip
The cost seemed to represent decent value and the multi-trip coverage is definitely convenient.
George D.
HCC Medical Insurance Services
Atlas Multi-Trip
The good news is that we didn't need the plan, but are happy we have it for our two remaining trips coming up. So happy you have an annual option.
Dane W.
See all reviews

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