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Travel Plans

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Insurance for Students in a leading provider of international travel health insurance plans. The Atlas Travel medical insurance program through Tokio Marine HCC provides you with coverage for the unexpected illness & injury so you can travel confidently knowing you have the coverage and service protecting you during your international trip. Atlas policies also include various travel assistance services, including lost passport and document support, as well as lost luggage coverage for further peace of mind. Policy fulfillment is instant — you receive your insurance documents and medical ID card immediately after you enroll.

Coverage starts at less than $0.60 per day!

2017 - 2018 School Year

Atlas Travel

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  • Covers 100% of eligible expenses outside of the U.S. & Canada
  • $1,000,000 Lifetime Emergency Medical Evacuation Coverage
  • Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses
  • Return of Mortal Remains up to policy coverage limit
  • Emergency Reunion - Up to $50,000 & a max of 15 days per certificate period
  • Accidental Death and Dismemberment (AD&D)
  • Worldwide Emergency Assistance Services
  • Lost Checked Luggage Coverage
  • Trip Interruption & Travel Delay Coverage
Maximum Coverage per Injury or Illness
Ages or Options Coverage or Deductible
Age 70 to 79 $50,000 or $100,000
Age 80 or older $10,000
All other ages $50,000, $100,000, $200,000, $500,000 or $1,000,000
Deductible Options $0, $100, $250, $500, $1,000, or $2,500 per certificate period

Do you have a group of 5 or more traveling abroad? Enroll in Atlas Group, and save 10%!


Benefits & Exclusions

Benefit1 Details
Deductibles $0, $100, $250, $500, $1,000, or $2,500 per certificate period
Maximum Coverage per Injury or Illness

Age 70 to 79: $50,000 or $100,000

Age 80 or older: $10,000

All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000

Maximum Coverage per Certificate Period

(Excludes Emergency Medical Evacuation, Accidental Death & Dismemberment, Common Carrier Accidental Death, Personal Liability and Crisis Response)

Age 70 to 79: $50,000 or $100,000

Age 80 or older: $10,000

All others: $50,000, $100,000, $200,000, $500,000, or $1,000,000

Coinsurance - Claims Incurred in U.S. or Canada For the certificate period, underwriters will pay 80% of next $5,000 of eligible expenses after the deductible, then 100% to maximum coverage limit
Coinsurance - Claims Incurred Outside U.S. or Canada For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the maximum coverage limit
Hospital Room and Board Average semi-private room rate, including nursing services
Local Ambulance Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient
Emergency Room Co-Payment - Claims incurred in U.S. or Canada $200 co-payment for each use of emergency room for illness, unless member is admitted to the hospital. No co-payment for emergency room treatment of an injury.
Intensive Care Unit Usual, reasonable and customary charges
Physical Therapy $50 maximum per day
Terrorism $50,000 maximum lifetime limit, eligible medical expenses only
All Other Eligible Medical Expenses Usual, reasonable and customary charges
Benefit2 Details
Emergency Medical Evacuation $1,000,000 lifetime maximum
Repatriation of Remains Overall maximum limit
Local Burial or Cremation $5,000 lifetime maximum
Accidental Death and Dismemberment (AD&D) Excludes loss due to common carrier accident
$250,000 maximum benefit for any one family or group


Members under age 18:
Lifetime maximum: $5,000
Death: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500

Members age 18—69:
Lifetime maximum: $50,000
Death: $50,000
Loss of 2 limbs: $50,000
Loss of 1 limb: $25,000

Members age 70—74:
Lifetime maximum: $12,500
Death: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250

Members age 75 and older:
Lifetime maximum: $6,250
Death: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125
Common Carrier Accidental Death

Per member; subject to a maximum of $250,000 any one family or group:

Members under age 18: $25,000
Members age 18—69: $50,000
Members age 70—74: $12,500
Members age 75 and older: $6,250

Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses $10,000 maximum per certificate period
Emergency Reunion $50,000 per certificate period, subject to a maximum of 15 days
Bedside Visit $1,500 per certificate period
Return of Minor Children $50,000 per certificate period
Pet Return $1,000 per certificate period
Political Evacuation $10,000 lifetime maximum
Trip Interruption $5,000 per certificate period
Lost Checked Luggage $500 per certificate period
Travel Delay Maximum $100/day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days.
Emergency Dental (acute onset of pain) $250 per certificate period
Natural Disaster Maximum $100/day for 5 days
Hospital Indemnity $100 per day of inpatient hospitalization
Personal Liability $10,000 lifetime maximum
1Eligible expenses subject to deductible or coinsurance:
2Eligible expenses NOT subject to deductible or coinsurance


Certain types of medical expenses are excluded from coverage under Atlas Travel insurance. Some exclusions are listed here. Refer the Description of Coverage for the complete list of exclusions.

  • Pre-existing conditions — charges resulting directly or indirectly from any pre-existing condition, as herein defined, are excluded from this insurance unless it is a sudden and unexpected outbreak or recurrence that is of short duration and requires urgent care. Under Atlas Travel, no coverage is available for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of coverage.
  • Routine medical examinations
  • Routine pre-natal care, pregnancy, child birth, and post-natal care
  • Medical expenses for injury or illness resulting from participation in extreme sports (see Description of Coverage for full list of excluded sports).

1000-AT-586-8971-1

HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.