|1. Does Atlas Travel provide any coverage while I am in my home country?||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.
|2. Will Atlas Travel cover me on trips of a year or longer?||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.
|3. How do I cancel my Atlas Travel coverage?
|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.|
|4. Will Atlas Travel cover multiple trips?||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.|
|5. Are there any countries not covered in my Atlas Travel plan?||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.|
|6. Who is eligible for an Atlas Travel insurance plan?||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).|
|7. If I purchase an Atlas Travel Insurance plan, when does coverage become effective, and when does it end?
|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)
11:59pm on the last day of the period for which you have paid a premium,
|8. Is Atlas Travel extendable?
|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.|
|9. Will Atlas Travel cover my dependents?||Yes. You may purchase Atlas Travel coverage for your spouse and any number of additional dependents.|
|10. What is covered under the Atlas Travel insurance plan?||To see an overview of the benefits provided under Atlas Travel insurance coverage, please review our Atlas Travel Insurance Coverage page.|
|11. How do I extend or renew my Atlas Travel insurance coverage?||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.
|12. How do I extend my Atlas Travel Insurance?
|Follow the below instructions to EXTEND your Atlas Travel medical insurance plan:
Go to the HCC Client Zone at: https://zone.hccmis.com/clientzone/