Plan details for the HCC Medical Insurance Services Atlas MultiTrip incl US Policy

HCC Medical Insurance Services HCC Medical Insurance Services

Provider Hccmis nosub logoHCC Medical Insurance Services
Plan Name Atlas MultiTrip incl US
  Certificate
Ratings
AM Best Rating Underwritten by Lloyd's of London

AM Best's Rating of A (Excellent)
Effective as of: 07/24/2014

Verify Rating at
www.ambest.com
Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee
Cancellation
Trip Cancellation

No coverage

Trip Interruption

$5,000 per person
Return transportation only

Hurricane & Weather

No coverage

Terrorism

No coverage

Financial Default

No coverage

Employment Layoff

No coverage

Cancel For Medical Reasons

No coverage

Cancel For Work Reasons

No coverage

Cancel For Any Reason

No coverage

Medical
Emergency Medical

$1,000,000 per person
Secondary coverage

Pre-Existing Condition

Covered if enrolled in a Primary Health Insurance Plan

Co-Insurance

Plan pays 80% of first $5,000 after deductible in USA or Canada then 100%
Plan pays 100% after deductible outside USA or Canada

Medical Deductible

$250 per person

Home Country Coverage

No coverage

Evacuation
Medical Evacuation & Repatriation

$1,000,000 per person

Non-Medical Evacuation

$10,000 per person

Loss or Delay
Travel Delay

$200 per person
$100 daily limit
Covered after 12 hour delay

Baggage Delay

No coverage

Baggage & Personal Items Loss

$500 per person
$50 per item
Checked luggage only

Missed Connection

No coverage

Accidental Death
24 Hour AD&D

$50,000 per adult
$5,000 per child

Flight Only AD&D

No coverage

Common Carrier AD&D

$50,000 per adult
$25,000 per child

Sports
Hazardous Sports

No coverage

Sports Equipment & Fees

No coverage

Amateur Sports

No coverage

Other Benefits
Rental Car Damage

No coverage

Money Back Guarantee

Up to the day before effective date

24 Hour Assistance Service

24 hour assistance provided

Additional Benefits

No coverage

Identity Theft

No coverage

Renewable Policy

Not renewable

Maximum Trip Length

30 days per trip

Maximum Number of Trips

No limit

All Events Upgrade

No coverage