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!
- 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
| 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. Claims incurred outside the U.S. |
| Urgent Care Center Co-Payment |
Claims incurred in the U.S. Claims incurred outside the U.S. |
| 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 Members under age 18: Members age 18 - 69: 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: Members age 75 and older: |
| Common Carrier Accidental Death |
Under age 18: $25,000 Subject to a maximum of $250,000 any one family or group. Not subject to deductible, coinsurance, or overall maximum limit. |
| Crisis Response—Ransom, 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:
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.