MultiNational Underwriters

MultiNational Underwriters

The industry-leading Atlas Travel Series now includes many new benefits, services and features that make it a leading option for individuals and families who travel internationally.

The policy now includes a benefit to be used in case of Natural Disasters and expanded coverage for Incidental Trips Home. This innovative product also includes coverage for Acts of Terrorism, Political Evacuation, and Complications of Pregnancy.

What is Covered?

All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and Limits).


- Inpatient and Outpatient charges made by a Hospital
- Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case
- Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services
- Charges for oxygen and other gases and anesthetics and their administration
- Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs
- Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital
- Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization

Why Buy Travel Insurance?

The answer is easy. Whether you travel for business or pleasure, international travel involves risk. You may arrive at your destination to find that your luggage with personal items has disappeared. A personal emergency may necessitate your early return to your Home Country. A medical emergency may require hospitalization or even air evacuation. In most cases, your existing insurance will not provide adequate protection for these and other risks. Without appropriate travel insurance, you may be in jeopardy of significant financial liability. HCCMIS can’t take the risk out of international travel, but if the unforeseen happens, we will be there to help you.

Am I Eligible for the Atlas Series?

If you are traveling outside of your Home Country and are at least 14 days old, you are eligible for coverage. If you are under age 70, you may select your Overall Maximum Limit, ranging from $50,000 to $1,000,000. If you are age 70 to 79, the Overall Maximum Limit available is $50,000. If you are age 80 or older, the Overall Maximum Limit available is $10,000. The minimum coverage period is 5 days and the maximum initial coverage period is 12 months.

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