FAQs

Atlas Travel does offer medical expense coverage in your home country in the following situations:

Benefit Period –Atlas Travel will cover eligible medical expenses in the member’s home country for 90 days after the beginning of treatment so long as the related illness or injury began while the certificate was still in effect and treatment began while the member was outside their home country.
Incidental Home Country Coverage – For U.S. citizens, medical expenses are only covered during incidental trips home totaling no more than 15 days per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the member must continue his or her international trip in order to be eligible for this benefit. Medical expenses for non-U.S. citizens will be covered up to a maximum of 30 days for any three-month period. Medical expenses incurred in your home country will not be covered if your purpose for returning to your home country is to obtain treatment of an illness or injury that began while traveling.

For non-U.S. citizens or residents whose travel does not include the U.S. or U.S. territories, the maximum coverage duration is 365 days. Additionally, coverage may be renewed up to 2 additional coverage periods. Coverage renewal requires satisfaction of a new deductible and coinsurance. Renewals may be filed through the Client Zone.

For all other travelers, the maximum duration is 364 days, and coverage is not renewable.

You may submit a written cancellation request to HCCMIS prior to the effective date of coverage for a full refund. If HCCMIS receives the cancellation request following the effective date of coverage, only the unused portion of premium will be refunded. A $25 cancellation fee will apply.

No. Atlas Travel coverage is purchased for a duration you specify and applies to a single trip only. For coverage that applies to multiple trips, our Atlas MultiTrip™ product may work for you.

Yes. Certain travel restrictions declared by the U.S. State Department, the Centers for Disease Control and Prevention (CDC), and certain OFAC sanctions, affect Atlas Travel coverage.

Anyone who is at least 14 days old and traveling internationally is eligible for coverage. . Policies must cover a minimum of five days; however, travel is not required for all five days. Applicants under age 70 may select an overall maximum limit ranging from $50,000 to $1,000,000. The overall maximum limit for members age 70 – 79 is $100,000, and the overall maximum limit for members over age 80 is $10,000 ($20,000 under Atlas Premium).

Your Atlas Travel insurance coverage becomes effective on the latest of:

the moment we receive your application and correct premium (if application and payment is made online or by fax)
12:01am on the date we receive your application and payment (if application and payment are made by mail)
the moment you depart from your home country
12:01am on the date you request on your application
Your coverage will end on the earliest of:

11:59pm on the last day of the period for which you have paid a premium,
11:59pm on the date requested on your application,
the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)

Following the initial purchase, Atlas Travel coverage may be extended up to 364 days past the original effective date of coverage. Extension does not require satisfaction of a new deductible or coinsurance. File all extensions through the HCCMIS Client Zone with payment by credit card.

Yes. You may purchase Atlas Travel coverage for your spouse and any number of additional dependents.

To see an overview of the benefits provided under Atlas Travel insurance coverage, please review our Atlas Travel Insurance Coverage page.

After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset. If you are covered under Atlas International, after 364 days of continuous coverage you may renew your coverage for up to two additional coverage periods. Deductible and Coinsurance must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions.

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

Follow the below instructions to EXTEND your Atlas Travel medical insurance plan:

Go to the HCC Client Zone at: https://zone.hccmis.com/clientzone/
To login, you will need to enter your Certificate/ID number (ID #) and your password. If you don’t know your password, click the “forgot password” button and enter your Certificate ID (ID #) and your date of birth. Click “Login.”
Click “Extend Coverage.”
Enter the extension of coverage date. Click “Recalculate.” Click “Proceed to Payment Page.”
Enter payment information. Click “Extend My Coverage.”
The email you enter in the payment information will receive coverage confirmation.