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Are you calling your parents to visit you? If so, get them either the Inbound Guest for up to age 69 or the Inbound Guest for ages 70 - 99

Travel Medical Insurance Plans

The Atlas Series is available to you if you are at least 14 days old and traveling outside of your home country. If you are a US citizen, your home country is always the United States, regardless of the location of your principal residence. If you are not a US citizen, home country is the country where you principally reside and receive regular mail. This is unavailable to Florida, Montana and New York residents.

TokioMarine HCC Atlas Travel Medical Insurance Plans

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Click here to get an Atlas plan quote

Click here to view or download a Sample Atlas policy specimen document

Patient Protection and Affordable Care Act (“PPACA”) Disclosure Statement

This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States PPACA. In no event will we provide benefits in excess of those specified in the certificate documents, and this insurance is not subject to guaranteed issuance or renewal. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The certificate contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

Acute Onset of a Pre-Existing Condition: means a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.
What is a Pre-Existing Condition? – A Pre-existing Condition means any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the certificate effective date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the certificate effective date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the certificate effective date. For the purposes of the Complications of Pregnancy coverage offered hereunder, pregnancy will not be included within the definition of a pre-existing condition.

Eligibility

Atlas Travel – U.S. Citizens and Non-U.S. Citizens who are at least 14 days of age are eligible for coverage outside of their home countries, except as provided under home country coverage, under this plan. Individuals age 70 to 79 as of the certificate effective date are subject to a $100,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $10,000 overall maximum limit.

Home Country Coverage

Benefit Period – In the event you begin a benefit period while the certificate is in effect, and the certificate terminates because you return to your home country, we will pay eligible medical expenses which are incurred in your home country during the benefit period. Home country coverage applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.

Incidental Home Country Coverage – For Citizens and legal residents of the U.S, for every three month period during which you are covered, eligible medical expenses incurred in the U.S. are covered up to a maximum of 15 days for any three month period. For Non-U.S. residents or Non-U.S Citizens, for every three month period during which you are covered, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days for any three month period. Any benefit accrued under a single three month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.

TokioMarine HCC Atlas’ Schedule Of Benefits And Limits

A brief description is below. For complete coverage, terms, conditions and exclusions, click here to to view or download the TokioMarine HCC Atlas Travel Description of Coverage.

Click here for TokioMarine HCC Atlas’ secure online quote & order form

Overall Maximum Limit
(Excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, Personal Liability, and Crisis Response)
Age 80 or older $10,000
Age 70 to 79: $50,000, $100,000
All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000
Maximum per Injury / Illness
(Excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, Personal Liability, and Crisis Response)
Age 80 or older $10,000
Age 70 to 79: $50,000, $100,000
All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000
Deductibles $0, $100, $250, $500, $1,000 or $2,500 per Certificate Period.
Coinsurance – Claims incurred in U.S. or Canada We will pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit. Coinsurance will be waived if expenses are incurred within the Preferred Provider Organization (PPO) and expenses are submitted to us for review and payment directly to the provider.
Coinsurance – Claims incurred outside U.S. or Canada We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Benefit Limit
Subject to deductible, coinsurance, and per certificate period unless specifically indicated otherwise
Hospital Room and Board Average semi-private room rate, including nursing services
Intensive Care Unit Usual, Reasonable and Customary charges
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 You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.
Urgent Care Center – Claims incurred in U.S. or Canada For each visit, you shall be responsible for a $50 co-payment, after which coinsurance will apply. Not subject to deductible.
Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 70) Overall maximum limit
$25,000 lifetime maximum for Emergency Medical Evacuation
Terrorism $50,000 lifetime maximum, eligible medical expenses only.
Physical Therapy $50 Maximum per day
All Other Eligible Medical Expenses Usual, reasonable and customary charges
Benefit Limit
Not Subject to Deductible or Coinsurance
Emergency Medical Evacuation $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition
Repatriation of Remains Overall maximum limit
Local Burial or Cremation $5,000 lifetime maximum
Crisis Response – Ransom, Personal Belongings, and Crisis Response Fees and Expenses $10,000
Optional Crisis Response Rider $90,000
Emergency Reunion $50,000, subject to a maximum of 15 days
Bedside Visit $1,500
Return of Minor Children $50,000
Pet Return $1,000
Political Evacuation $10,000 lifetime maximum
Trip Interruption $5,000
Accidental Death & Dismemberment (excludes loss due to Common Carrier Accident) Ages 18 through 69
Lifetime Maximum – $50,000
Death – $50,000
Loss of 2 Limbs – $50,000
Loss of 1 Limb – $25,000Under age 18
Lifetime Maximum – $5,000
Death – $5,000
Loss of 2 Limbs – $5,000
Loss of 1 Limb – $2,500

Ages 70 through 74
Lifetime Maximum – $12,500
Death – $12,500
Loss of 2 Limbs – $12,500
Loss of 1 Limb – $6,250

Ages 75 and older

Lifetime Maximum – $6,250
Death – $6,250
Loss of 2 Limbs – $6,250
Loss of 1 Limb – $3,125

$250,000 maximum benefit any one family or group

Optional Accidental Death & Dismemberment Rider (only available to members age 18 through age 69) Lifetime Maximum – $50,000
Death – $50,000
Loss of 2 Limbs – $50,000
Loss of 1 Limb – $25,000
Common Carrier Accidental Death
Ages 18 through 69
Under age 18
Ages 70 through 74
Ages 75 and older
Subject to a maximum of $250,000 any one family or group.
$50,000
$25,000
$12,500
$6,250
Lost Checked Luggage $500
Travel Delay Maximum $100 a 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
Natural Disaster Maximum $100 a day for 5 days
Hospital Indemnity $100 per day of inpatient hospitalization
Personal Liability $10,000 lifetime maximum
$10,000 third person injury
$10,000 third person property
$2,500 related third person property
Optional Personal Liability Rider $90,000 lifetime maximum

Click here for Atlas’ secure online quote & order form

Certificate Effective Date

Insurance hereunder is effective on the later of:
a. The moment we receive application and correct premium if application and payment is made online or by fax; orb. 12:01am U.S .Eastern Time on the date we receive application and correct premium if application and payment is made by mail; or

c. The moment you depart from your home country; or

d. 12:01am U.S. Eastern Time on the date requested on the application.

Click here for Atlas’ secure online quote & order form

How do I extend or renew my Atlas Travel insurance coverage?

  • Individuals who are US Citizens or whose Home Country is USA or a US Territory are able to purchase an Atlas International Plan for a total certificate period of 364 days. These individuals will not be able to renew their plan beyond the first 364 day certificate period. They are able to purchase a new plan if they require coverage beyond 364 days.
  • Individuals who are traveling inbound to the USA or US Territory are able to purchase an Atlas America plan for a total certificate period of 364 days. These individuals will not be able to renew their plan beyond the first 364 day certificate period. They are able to purchase a new plan if they require coverage beyond 364 days.
  • Non-US citizens traveling outside of the USA or US Territories are able to purchase an Atlas International policy for a total certificate period of 365 days. These individuals are able to renew the policy twice for a total of up to three, 365 day certificate periods.

Extensions or renewals must be made online in the Client Zone with payment by credit card.

Click here for Atlas’ secure online quote & order form

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).
Click here for Atlas’ secure online quote & order form

Who is the Insurer?

The TokioMarine HCC Atlas – A subsidiary of Tokio Marine HCC, HCC Lloyd’s Syndicate 4141 is managed by HCC Underwriting Agency Ltd which is authorized by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. Registered in England and Wales No. 04632146. Registered office: 1 Aldgate, London EC3N 1RE, United Kingdom.

Cancellation

We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium.

Premiums will be refunded in full if cancellation request is received prior to the certificate effective date.

Premiums may be refunded after the certificate effective date subject to the following provisions:

  1. A $25 cancellation fee will apply for administrative costs incurred by us; andd
  2. Only the unused portion of the plan cost will be refunded; and
  3. You cannot have filed any claims to be eligible for premium refund
Click here for Atlas’ secure online quote & order form

Home | Geo Blue Voyager (Single-Trip) | Geo Blue Trekker (Multi-Trip) | Inbound Guest for up to age 69 | Inbound Guest for ages 70 - 99 | Atlas | Liaison | Patriot Adventure


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