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.

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 between the ages 70-79 is $100,000. For travelers 80-years-old or older, the maximum limit is $10,000.

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 U.S. citizens to a maximum of 15 days per three-month period of coverage. If you have an incidental trip back to the U.S. 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 Info

View Certificate
Refund Policy
AM Best Rating
Years in Business

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

Lookback Period
Pre-Existing Condition Period

Accidental Death

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


Evacuation from
Evacuation to
Evacuation criteria

Your Quote

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Ratings and reviews

Our customers rate the HCC Medical Insurance Services Atlas International on our site
(4.57) of 5
on average based on 947 reviews.
A.M. Best Rating
Better Business Bureau Rating
The best of this is that I came back in one piece, knowing that if something happend my familly had HCC Medical Service support.
Eduardo V.
I got sick in Paris, not too serious but wanted a recommendation on an English speaking doctor. A "Dr." somebody with a heavy accent answered. Would not give his medical credentials but admitted he was not certified in the US. It didn't matter as they would not provide a referral, would not review the diagnosis, would not do anything to help. I was told to see a doctor and submit a claim. I have used other providers in the past that will give a referral, make the appointment and review the diagnosis to ensure it conforms to US standards. One company has doctors on payroll who will actually visit you in the hotel and take care of the issue. So HCC falls far short. They were polite and sent a follow up automated email to see if I needed to file a claim. Nice but hardly enough to take care of my issue.
Mitchell G.
Quick and easy, and very affordable. Highly recommended. I had a friend recently go on a trip and ended up needing to use a travel medical insurance for a sickness that he contracted since his traditional medical insurance would not cover it. This literally saved him hundreds of thousands of dollars. Worth the extra money to offset the huge potential financial risk you may take when leaving the country.
Michael T.
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