Travel Insurance Reviews 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.). This plan offers up to $1,000,000 medical coverage.

To learn more, see the HCC Medical Insurance Atlas International product page.

Customers rated the HCC Medical Insurance Services Atlas International plan
4.57 out of 5
863
ratings and reviews
96%
recommended
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HCC Medical Insurance Services Atlas International
I've been using HCC for years. In August I finally had an accident that required a 3-day hospital visit. I had to pay out of pocket almost $3,000 and its now 60 days after my accident and I have not been reimbursed. The company has given me no updates or time frame for this. My accident and treatment were very standard and clearly fall within the guidelines of coverage. It shouldn't take an underwriter more than an hour to see this and approve it.

I can no longer recommend HCC - they are the cheapest so I guess you get what you pay for. I will pay more in the future for a more responsive plan. As a Yoga Teacher, $3000 is a lot of money which I needed to borrow- I thought the entire point of insurance was to be covered when you have an accident....

I am frustrated that people give them such high reviews. Reviews from people who did not file claims aren't an accurate assessment of the company.

UPDATE: As of 11/29 I have not been reimbursed. I was told that my claim was closed because I did send a from that my hospital sent to them on the day of my accident.The front-line reps are very uninformed- many contradicting each other. The last guy told me it was a bad idea to pay my claim myself (I had to to get my passport back from the hospital), which was exactly the advice I received from HCC several months ago.

When an InsureMyTrip rep contacted them directly it was discovered that 2 pieces of paper were 'stuck' together and they would reopen my claim. Very unprofessional.

UPDATE Feb 2 2016

I finally received my claim check. I was reimbursed for the total amount of my claim, minus a deductible and small fee for the exchange rate.

I'm happy about this, however still unhappy about the 5 months it took to be paid. The company sent 4 checks to me that never arrived and after a number of phone calls they finally UPS'd one to me. How can 4 checks get lost in the mail?

Anyway, look elsewhere. I'm currently using IMG Global as they were very responsive to my questions about their policy, however I have not had to file a claim yet.
Keith M. would not recommend this plan to a friend or relative.
5 of 5 people found this review helpful
Coverage
Value
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Claims
Note: This review is for an earlier version of the plan.
  • Zac
    Photo
    Thank you for your feedback on the policy. We have forwarded this review to HCC Medical Insurance Services.

    We are pleased to learn that your claim has been paid. Thank you for allowing us to advocate on your behalf.
    Feb 12,2016
HCC Medical Insurance Services Atlas International
It gives one peace of mind.
Marrian M. would recommend this plan to a friend or relative.
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Value
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Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Didn't need the policy, but I guess that's good.
Robert K. would recommend this plan to a friend or relative.
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Value
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Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
The policy was taken out at very short notice for my 12 yr old travelling as a 'unaccompanied minor'. Overall very pleased with the overall policy and cost and will most certainly use/recommend InsureMyTrip in the future.
Malikah P. would recommend this plan to a friend or relative.
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Value
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Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
I'm happy to book an insurance for a good price. I didn't ask for anything, but it´s good to have a minimum cover when I travel.
Luciana L. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
It was good, we didn't have to file a claim or call. You don't really know for sure the quality unless you have to go through the claims process or call them.
Kevin T. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Didn't need to file a claim, but the plan was comprehensive and very affordable. Would purchase again on future trips.
Craig A. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Best price around! I wanted simple medical travel insurance for the "just in case", and this was exactly what HCC Medical Insurance provided.
adam h. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Fortunately I never had to use the HCC Medical Insurance plan. I did feel secure during my travels knowing that the cost of emergency medical care and transportation back to the United States would be covered if needed.
Sharon G. would recommend this plan to a friend or relative.
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Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Would have liked more coverage for lost baggage, otherwise perfect!
Blake J. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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