Atlas Multi-Trip™ Travel Insurance
Atlas Multi-Trip™ is the obvious choice for corporate executives and other professionals who require travel medical insurance coverage for numerous trips during the year. When you buy Atlas Multi-Trip™, coverage is automatically in place for those last minute international trips. State of the art travel and emergency medical assistance services are part of every Atlas Multi-Trip™ policy. All of this with the same astonishing service you have come to expect from HCC Medical Insurance Services, the leader in international travel medical insurance.
If you are under age 76 and you maintain medical insurance that covers you while you are in your Home Country, you are eligible for Atlas Multi-Trip™. Your Spouse under age 76 and dependent children who are at least 14 days old may also be covered, provided they too maintain medical insurance that covers them while they are in their Home Country(ies).
During the Coverage Period, you are covered for all trips of either 30 or 45 days duration or less outside your Home Country. Coverage is effective on the date you depart your Home Country, and ends on the date you return to your Home Country. If you purchase coverage for your Spouse and/or Dependents (under age 19), they are covered during the same time period as you as long as they accompany you on your trip.
**Note: Not available to individuals who are physically located in California, Washington, New York State or in Canada at the time of purchase.
When Does Annual Coverage Become Effective and When Does it End?
The Effective Date is the later of: the date we receive your Application and correct premium or the date you request on your Application. The Certificate Period is 12 months. During the Certificate Period, you are covered for all trips of either 30 or 45 days duration or less outside your Home Country. Coverage is effective the moment you depart your Home Country and ends the moment you return to your Home Country. If you purchase coverage for your Spouse and/or Dependents (under age 19), they are covered during the same time period as you as long as they accompany you on your trip.
Who is the Insurer?
Lloyd's, the largest and oldest insurance market in the world, is the insurer of the Atlas Multi-Trip™. Rated A (Superior) by AM Best Company and A (Strong) by Standard and Poor's, Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd's is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyd's provides accident and health insurance to millions of individuals in almost every country of the world.
Who is the Plan Administrator?
HCC Medical Insurance Services, headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of international travelers. HCC benefits from the experience of a corporate leadership team that covers over 6 million travelers a year. Our international claims specialists, medical professionals and client relations specialists are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. Whether you have lost your luggage or are in need of Emergency Medical Evacuation, you will find our service team to be prompt, compassionate, and highly professional.
Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. 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 policy 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.