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 coming to the United States. 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.

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 limit options are a bit more restrictive for older travelers. The maximum medical limit for travelers between the ages 70-79 caps at $100,000. Travelers 80 or older will find the maximum limit is $10,000. There are several deductible options to choose from to best fit your budget.

Trip interruption benefits can help with the cost of an economy one-way air or ground transportation back home. Covered reasons for trip interruption are destruction to more than 40% of your principal residence by fire or weather (after departure from home country) as well as the death of a parent, spouse, sibling, child or grandchild. Another travel-related coverage in this plan is baggage protection. It will cover up to $500 dollars (up to $50 per item) for replacement of clothes and personal hygiene items if your bag is lost during transit.

Incidental Home Country Coverage is available to non-U.S. citizens or residents to a maximum of 30 days per three-month period of coverage. If you have an incidental trip back to your home country and incur medical expenses during that time, this benefit may be necessary.

This plan also provides coverage for a natural disaster. The natural disaster benefit 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.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Stay healthy while abroad with travel medical insurance for emergencies.

Highlighted Coverages

Pre-Existing Lookback Period

Plan Info

View Certificate
Refund Policy
AM Best Rating
Years in Business
216

Trip Protection

Trip Cancellation
Trip Interruption
Financial Default
Terrorism in Itinerary City
Interrupt for Any Reason
Cancel for Any Reason
Baggage Loss
Baggage Delay
Travel Delay
Supplier Default

Pre-Existing Conditions

Waiver
Lookback Period
Pre-Existing Condition Period

Accidental Death

24-Hr Full Coverage
Common Carrier
Flight Only
Included in Accidental Death - Common Carrier

Evacuation

Evacuation from
Evacuation to
Evacuation criteria

Your Quote

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Ratings and reviews

Our customers rate the HCC Medical Insurance Services Atlas America on our site
(4.50) of 5
on average based on 117 reviews.
A
A.M. Best Rating
A+
Better Business Bureau Rating
The coverage that I purchased gave me peace of mind. Fortunately, I've never had to use it, so I can't say how easy it is to use. I'd rather stay safe and healthy. But knowing that a medical emergency can be handled enables me to enjoy my vacation immensely.
Fince D.
I didn't use it so I don't know.
Davorin D.
Hard to rate until you have a claim and see how it works when you really need it.
Lynn M.
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