International Travel

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 $0.50 per day!

Atlas Travel Insurance

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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

Description of Coverage | Claim Form | International Provider Search Engine

Maximum Coverage per Injury or Illness
Ages or Options	Coverage or Deductible
Age 70 to 79	$50,000, $100,000 or $250,000
Age 80 or older	$10,000
All other ages	$50,000, $100,000, $200,000, $500,000, $1,000,000 or $2,000,000
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%!

Schedule of Benefits and Limits

Plan Details
Overall Maximum Limit	Age 80 or older: $10,000 Age 70 to 79: $50,000, $100,000, or $250,000 All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
Maximum per Injury / Illness	Age 80 or older: $10,000 Age 70 to 79: $50,000, $100,000, or $250,000 All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
Deductibles	$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Coinsurance Claims Incurred in U.S.	Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit. Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Coinsurance Claims Incurred Outside U.S. or Canada	We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.

Benefit	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 the U.S. You shall be responsible for a $200 co-payment for each use of emergency room for illness, unless member is admitted to the hospital. There will be no co-payment for emergency room treatment of an injury. Claims incurred outside the U.S. No co-payment
Urgent Care Center Co-Payment	Claims incurred in the U.S. For each visit, you shall be responsible for a $25 co-payment, after which coinsurance will apply.Co-payment is waived for members with a $0 deductible. Not subject to deductible. Claims incurred outside the U.S. No co-payment
Intensive Care Unit	Up to the overall maximum limit.
Outpatient Physical Therapy and Chiropractic Care	Up to $50 maximum per day. Must be ordered in advance by a physician. Not subject to coinsurance.
Terrorism	Up to $50,000 maximum lifetime limit, eligible medical expenses only.
Emergency Dental (Acute Onset of Pain)	Up to $250. Not subject to deductible or coinsurance
Emergency Eye Exam for a Covered Loss	Up to $150. $50 deductible per occurence (plan deductible is waived). Not subject to coinsurance.
All Other Eligible Medical Expenses	Up to the overall maximum limit.

Emergency Travel Benefits

Benefit	Limit
Emergency Medical Evacuation	Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition. - not subject to deductible, coinsurance, or overall maximum limit
Repatriation of Remains	Up to the overall maximum limit. - not subject to deductible or coinsurance
Local Burial or Cremation	Up to the overall maximum limit. - not subject to deductible or coinsurance
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 Optional Accidental Death & Dismemberment buy-up of $50,000 to Lifetime Maximum of $100,000 (available to ages 18-69 only). 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	Under age 18: $25,000 Ages 18—69: $50,000 Ages 70—74: $12,500 Ages 75 and older: $6,250 Subject to a maximum of $250,000 any one family or group. Not subject to deductible, coinsurance, or overall maximum limit.
Crisis ResponseRansom, Personal Belongings, and Crisis Response Fees and Expenses	Up to $10,000. Not subject to deductible, coinsurance, or overall maximum limit. Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage: $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation.
Emergency Reunion	Up to $100,000, subject to a maximum of 15 days. Not subject to deductible or coinsurance
Bedside Visit	Up to $1,500. Not subject to deductible or coinsurance.
Return of Minor Children	Up to $50,000. Not subject to deductible or coinsurance.
Pet Return	Up to $1,000. Not subject to deductible or coinsurance.
Political Evacuation	Up to $10,000 lifetime maximum. Not subject to deductible or coinsurance.
Trip Interruption	Up to $10,000. Not subject to deductible or coinsurance.
Lost Checked Luggage	Up to $500. Not subject to deductible or coinsurance.
Travel Delay	Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. Not subject to deductible or coinsurance.
Natural Disaster Replacement Accommodations	Up to $250 a day for 5 days. Not subject to deductible or coinsurance.
Hospital Indemnity	$100 per day of inpatient hospitalization. Not subject to deductible or coinsurance.
Personal Liability	Up to: $10,000 lifetime maximum $10,000 third person injury $10,000 third person property $2,500 related third person property Not subject to deductible, coinsurance, or overall maximum limit. Optional Personal Liability buy-up of $90,000 to lifetime maximum $100,000.
Border Entry Protection	Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border. 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.