International Products

International health, travel medical, and group benefit products are all designed for those who are traveling outside of their home country for more than 5 days, and up to 365 days.

Product Focus – Atlas Travel® Insurance

Atlas Travel insurance is Tokio Marine HCC - MIS Group's international travel medical insurance policy designed to cover individuals traveling outside their home country for a minimum of 5 days up to 365 days.

There are three plans:

  • Atlas Travel®—for individuals and groups traveling outside their home country (limited to 364 days for U.S. Citizens and those traveling to the U.S.)
  • Atlas MultiTrip™—an annual travel plan for individuals taking multiple short trips abroad throughout the year (available to U.S. and non-U.S. Citizens; limited to 364 days)
  • Atlas Group® - available for groups of 5 or more (available to U.S. and non-U.S. Citizens; limited to 364 days)

All Atlas insurance plans provide important benefits including emergency medical evacuation, repatriation of remains, and local burial or cremation. These benefits are complemented by travel and medical assistance services unique to the travel medical insurance industry.

Pre-existing Conditions

The Atlas Series is a non-medically underwritten policy. The plan does not cover illnesses or injuries which existed at the time of application or for any condition or resulting complications relating to an illness or injury which occurred or manifested during the two years prior to the effective date.

However, a limited benefit is available to some clients for the acute onset of a pre-existing condition. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition, which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, and is not chronic or congenital in nature. Treatment must be obtained within 24 hours of the acute onset.

This benefit is only available to individuals under age 70. It is included in all policy maximums (from $50,000 to $1,000,000), offering a maximum limit equal to the medical coverage maximum. For emergency medical evacuation, the benefit offers a lifetime maximum of $25,000. Note that this benefit excludes chronic and congenital conditions.

Application and Fulfillment

If a policy is not extended or renewed prior to term date, the client must start over with a new application. If the client is not eligible for extension or renewal, a new application will be required. All benefits will begin anew with each new policy purchase.

Through the use of the online quoting system, your client can generate free quotes, review the coverage, and submit an electronic application for a policy. Approved online applications receive a complete electronic fulfillment with all of the necessary travel documents, including a welcome letter, a receipt for the transaction, and an identification card. These documents appear at the time of purchase in applicant’s browser.

A duplicate copy of the fulfillment is delivered to the e-mail address provided on the electronic application. The information should be printed at time of application. When electronic fulfillment is selected, we do not send any paper fulfillment through the mail.

Applicants in New York, Maryland, Washington states; Australia and Canada

If a client is physically located in one of the above mentioned locations, they are prohibited from applying or purchasing online. It is acceptable for a client to use a mailing address for these locations and proceed with the application as long as they are not physically located there when applying.

Please note: To comply with U.S. government regulations, we are unable to sell policies in countries restricted by U.S. economic sanctions and embargo programs and/or other applicable trade sanction laws.

Extending or Renewing Coverage

International policies are extendable up to 364 to 365 days depending on the destination. Extensions must be transacted online through Client Zone and paid by credit card. Policies may be extended in daily increments (5-day minimum).

For non-US Citizens whose coverage does not include the US, Atlas Travel may be renewed up to two times before a new policy must be purchased.

Home Country Medical Coverage

It is very important that both the producer and the client understand that Atlas Travel insurance is designed as single-trip coverage (with the exception of Atlas MultiTrip). The Atlas Series offers two types of coverage in the home country. All types are restricted to medical expenses only. Benefits such as hospital indemnity, trip interruption, or accidental death & dismemberment will not apply in the home country.

Incidental Home Country Medical Coverage

For U.S. Citizens, for every three-month period during which the member is covered, medical expenses incurred in the U.S. are covered up to a maximum of 15 days.

For Non-U.S. Citizens, for every three-month period during which the member is covered, medical expenses incurred in the member’s home country are covered up to a maximum of 30 days.

Any benefit accrued under a single three-month period does not accumulate to another period. Failure of the member to continue his or her international trip, or if the members return to their 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 the agreement.

Benefit Period Medical Coverage

Completely separate from either of the home country coverages explained above is the Atlas Series benefit period of 90 days for any covered illness or injury. As long as the initial treatment for a particular injury or illness was covered, and occurred while abroad, subsequent eligible medical expenses related to that same condition will be covered for up to 90 days beginning from the first covered treatment date, even if the policy has terminated due to expiration of time purchased or the member’s return to their home country. However, upon the return to the member’s home country, other insurance may be primary. The benefit period does not apply while the policy is in effect.

Terrorism Coverage

Acts of terrorism, subject to certain conditions, are automatically covered by Atlas Series. This benefit does not offer coverage in countries where a U.S. State Department travel warning has been issued, but it is valuable in other countries where there is a chance of an occurrence but no general reason to expect one.

Product Focus – Atlas Group

For those traveling as a group, we offer the Atlas Group Travel plan. For groups of 5 or more, we are pleased to offer a discounted travel insurance rate for individuals traveling together. You may direct your clients to the Atlas Group Travel link provided as part of the online quoting and application system or you may provide them with the PDF or paper application.

Fulfillment is available in electronic or hardcopy for travel groups. For groups of 5 or more who are traveling at different times and/or different destinations, we are pleased to accommodate their particular needs as well. However, payment for the entire group must be made by means of a single check or credit card prior to the date of first departing member(s) trip.

Product Focus – Atlas MultiTrip

Atlas MultiTrip is designed as an annual, single-premium policy for those taking multiple trips during the year, with trip duration being less than either 30 and 45 days, depending on the plan chosen. Atlas MultiTrip offers a fixed deductible of $250 which begins anew each time the member departs on a trip. Atlas MultiTrip also has a $1 million overall maximum limit for the annual certificate period.

Atlas MultiTrip is available to individuals of any citizenship (except as restricted by U.S. government trade regulations). The option for coverage of accompanying spouse and/or children can be purchased at the time of application. All members enrolled in the Atlas MultiTrip plan are required to maintain domestic insurance in their home country in order to be eligible for the plan. Other than the benefit period allowance, no home country coverage is provided by Atlas MultiTrip.

Additionally, all members have limited coverage for the acute onset of a pre-existing condition. This benefit excludes coverage for chronic and congenital conditions. It offers up to the policy overall maximum for eligible medical expenses, and up to a lifetime maximum of $25,000 for emergency medical evacuation related to an acute onset of a pre-existing condition. See the pre-existing conditions section above for more details.

For the active traveler, Atlas MultiTrip includes coverage for eligible injuries and illnesses that occur while participating in many popular vacation sports.

Policy Cancellation

If a client wishes to cancel their Atlas Travel or Atlas Group policy, a cancellation request must be submitted in writing to Tokio Marine HCC - MIS Group to receive a refund of premium. To be eligible for a full refund, the request for cancellation must be received prior to the effective date.
If a cancellation request is received after the effective date, a $25 cancellation fee will apply, and only the unused portion of the plan cost will be refunded. Only members who have no claims are eligible for premium refund. Atlas MultiTrip policies can only be refunded prior to departure from the client’s home country or prior to the effective date.

Product Focus – StudentSecure®

StudentSecure is designed specifically to meet the needs of full-time international students and scholars, providing coverage in monthly increments with the ability to extend and renew for up to four years. StudentSecure is appropriate for the international student or scholar and meets or exceeds most government and visa requirements. Four levels of coverage—Elite, Select, Budget, and Smart—ensure the desired and necessary coverage is obtained.

StudentSecure Elite, Select, Budget, and Smart plans are featured together in one brochure. The brochure includes a thorough plan description, benefits table, and enrollment and claims information. Monthly and daily premium tables are included with the StudentSecure application form. Rates are subject to change, so be sure that they are current–you will find the effective date for the rates listed in the bottom left-hand corner of the premium table pages.

Certain StudentSecure plans provide coverage for important benefits such as maternity and newborn care, mental health, organized sports activities. All plans provide emergency medical evacuation and repatriation of remains.

Accidental death and dismemberment is covered by the Elite and Select plans. These benefits are complemented by our strong travel assistance services, which can be found on the last page of the StudentSecure brochure.

Plan Selection

Choosing between the Smart, Budget, Select, and Elite plans depends on what level and what area of coverage your client desires. The Select and Elite plans have a higher certificate period maximum and maximum benefit per injury or illness, and greater coverage for select benefits. The Elite and Select plans also provide accidental death and dismemberment coverage, whereas the Budget and Smart plans do not. In each of the StudentSecure plans, the premium is lower for a coverage area that excludes the U.S.

Pre-existing Conditions

StudentSecure will provide coverage for pre-existing conditions after 6 months of continuous coverage with the Elite and Select plans, and after 12 months with the Budget plan. The Smart plan does not cover pre-existing conditions, but offers a limited benefit under the same acute onset of a pre-existing condition benefit that is available through the Atlas Series.

For StudentSecure, a pre-existing condition is any injury or illness which, within the 12 months prior to the effective date of coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a physician was consulted.

Application and Fulfillment

StudentSecure is available through the use of our online quoting system. Through the use of this system, your client can generate free quotes, review the coverage, and submit an electronic application for insurance. Groups may be accommodated under the StudentSecure line. Please contact your Account Executive for more information.

Approved online applications receive a complete electronic fulfillment with all of the necessary travel documents, including:

  • a welcome letter,
  • a receipt for the transaction,
  • and an identification card.

These documents appear at the time of purchase in the applicant’s browser. A duplicate copy of the fulfillment is delivered to the e-mail address provided on the electronic application and is available for retrieval at any time through our Client Zone. The information should be printed at the time of application. When electronic fulfillment is selected, we do not send any paper fulfillment.

Extending or Renewing Coverage

StudentSecure policies are extendable. Extensions must be transacted online through Client Zone and paid by credit card. Policies may be extended in monthly increments to completion of a Certificate Period. If the policy was purchased by a single, up-front payment, extension will also need to be paid by a single payment. These students will need to provide credit card information when they extend. Students who purchased with monthly payments will simply add additional scheduled payments, using the credit card already on file, when they extend. The credit card on file for scheduled payments may be updated at any time through Client Zone.

When a policy is extended, the deductible and coinsurance will continue until the end of the 12-month certificate period. StudentSecure policies are limited to 365 days for non-U.S. citizens and those traveling outside the U.S. and 364 days for all other individuals. An applicant can reapply for additional coverage subject to eligibility rules. At the renewal time, the deductible and coinsurance will start over. The renewal transaction must be completed within the last 30 days prior to the expiration date of the policy.

If a policy is not extended or renewed prior to the termination date, the client must start over with a new application. If the client is not eligible for extension or renewal, a new application will be required. All benefits will begin anew with each new policy purchase.

Home Country Medical Coverage

StudentSecure offers two types of coverage in the home country. Both types are restricted to medical expenses only. Benefits such as hospital indemnity, trip interruption, or accidental death & dismemberment will not apply in the home country.

Incidental Home Country Medical Coverage

StudentSecure provides up to 15 days of incidental coverage for trips to a client’s home country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and a client must continue their international trip in order to be eligible for this benefit.

Benefit Period Medical Coverage

If your client is hospitalized for a covered illness or injury on their coverage termination date, StudentSecure will provide a benefit period of 60 days for the covered condition. The benefit period begins on the first date that they receive diagnosis or treatment for the condition and runs concurrently with certificate period.

Organized Sports Activities

StudentSecure will cover eligible medical expenses for injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports up to a maximum of $5,000 per injury or illness for StudentSecure Select and Elite or up to a maximum of $3,000 for StudentSecure Budget. It also covers athletic activities which are non-contact and engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes unless such sports or activities are otherwise excluded by this insurance.

StudentSecure does not cover expenses for any injury or illness sustained while taking part in any other Amateur Athletics. It also does not cover injury sustained while taking part in a number of other activities. Please see the Description of Coverage for a complete list of exclusions.

Terrorism Coverage

Acts of terrorism, subject to certain conditions, are covered by StudentSecure Elite, Select, and Budget up to a $50,000 lifetime maximum. This benefit does not offer coverage in countries where a travel warning has been issued but is valuable in other countries where there is always a chance of an occurrence but no general reason to expect one.

Limitations of this coverage include participating in terrorism, being in a country that has had a travel warning issued for it by the United States government within 6 months before the date of arrival, chemical, nuclear and biological terrorism, and unreasonably failing to leave a country following the date a warning has been issued.

Eligibility

Applicants must be current full-time students at a college, university, or secondary school, excluding online colleges and universities, or be within 31 days of being full-time students at a college or university or secondary school. Applicants could also be full-time scholars affiliated with an educational institution and performing work or research for at least 30 hours per week.

The full-time student/scholar status requirement is waived for participants within the U.S. holding a valid F1 (including those students on OPT) or J1 visa. Full-time status requirements remain in force for individuals holding M-1 or other category visas.

Applicants must be residing outside their home country for the purpose of pursuing international educational activities.

Applicants must not have obtained residency status in the host country. Participants visiting the U.S. must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested.

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