Off shore health benefits

Atlas Travel®

The Atlas Travel plan from WorldTrips, a member of the Tokio Marine HCC group of companies, is with you almost anywhere in the world you may travel for vacation, study abroad, corporate travel, or mission work.

Why Choose Atlas Travel® ?

Whatever your reason, international travel should be a pleasant experience. Complications and emergencies such as illness, injury, and natural disasters are a fact of life. While we hope none of these incidents happen, we’re here to help if they do.

That’s why Atlas Travel provides coverage for unexpected medical expenses as well as emergency travel benefits and multilingual travel assistance services.

Customize Your Travel Medical Insurance with the HCC ATLAS PLAN

When international travel poses medical and financial risk, Atlas Travel insurance is there. Customize your Atlas Travel plan by choosing your deductible, coverage length, and overall coverage maximum.

Atlas Travel Is Designed for Global Travelers Seeking:

  • Coverage for unexpected medical expenses, including COVID-19-related expenses
  • Emergency Medical Evacuation benefit
  • Supplemental travel benefits including Trip Interruption, Travel Delay, and Lost Checked Luggage
  • 24-7 Emergency Service
  • Offered by Offshore Health Benefits (since 2002)
  • Back up assistance through WhatsApp and Skype
  • Endorsed by Global Fortune 500 Companies

When choosing an air ambulance & evacuation plan, the rate of plan coverage is reflective of time traveling in a foreign country, region of travel, and the ages of each member. There are two types of services: “regional assistance & evacuation” and “return home” evacuation.

A plan may be offered on a stand alone basis or offered with a full blown renewable twelve month global expatriate medical insurance plan. What are the differences you ask? We can explain.

Many air ambulance plans are not what they appear to be. Would you choose to be flown home or to a regional care center? How will your medical insurance plan communicate with your air ambluance partner? Do you have a medical plan back in your home country? Who will pay? Who will make the decision if you are flown home or to another hospital in foreign country? Planned departure or life threatening situation from an ICU bed in a hospital? Let’s talk this through.

Our Preferred Carrier for 2020-21: THE HCC ATLAS PLAN OPTIONS

Make sure your air ambulance service has the ability to work with your international medical plan, if not, you could be overcharged by thousands. It happens. You don’t need surprises after the fact. Call our team for answers. We are open for Skype consultations at no charge. Contact today!

Many times, the primary medical insurance in your home country offers little or no coverage for medical expenses incurred as you travel outside of your home country. Atlas Travel provides international coverage as well as important benefits like Emergency Medical Evacuation, Hospital Room and Board, and Crisis Response for kidnap and ransom situations abroad.

For more information about Atlas Travel, please visit

WorldTrips, headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance designed to meet needs of consumers worldwide. WorldTrips is a member of the Tokio Marine HCC group of companies. Tokio Marine HCC is a leading specialty insurance group conducting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Headquartered in Houston, Texas, the company is made up of highly entrepreneurial teams equipped to underwrite special situations, companies, and individuals acting independently to deliver effective solutions. Our products and capabilities set the standard for the industry, and many of our nearly 2,500 employees are industry-leading experts. Tokio Marine HCC is part of Tokio Marine, a premier global company with a market cap of approximately $30 billion.* Tokio Marine HCC holds a financial strength rating** of AA- for Standard & Poor’s and Fitch Ratings and A++ (Superior) by A.M. Best Company.

For more information about Atlas Travel, please visit

*As of 4/12/21. **At the time of printing. For more information on these ratings, please visit: www.,, and

Atlas Travel Schedule of Benefits and Limits

Deductibles$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period.
Overall Maximum LimitAge 80 or older – $10,000; Age 65 to 79 – $50,000 or $100,000; All others – $50,000, $100,000, $250,000, $500,000,$1,000,000, or $2,000,000.
CoinsuranceWe will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
Hospital Room and BoardAverage semi-private room rate, including nursing services.
Local AmbulanceUsual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Intensive Care UnitUp to the overall maximum limit.
Emergency Room Co-paymentClaims incurred in the U.S.
You shall be responsible for a $200 co-payment for each use of emergency
room for an illness unless you are admitted to the hospital.
There will be no copayment for emergency room treatment of an injury.
Urgent Care Center Co-paymentClaims incurred in the U.S.
For each visit, you shall be responsible for a $15 co-payment
– co-payment is waived for members with a $0 deductible,
– not subject to deductible
Outpatient Physical Therapy and Chiropractic CareUp to $50 maximum per day. Must be ordered in advance by a physician.
All Other Eligible Medical ExpensesUp to the overall maximum limit.
Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 80)Up to the overall maximum limit.
Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
Emergency Dental (Acute Onset of Pain)Up to $300 – not subject to deductible
Emergency Eye Exam for a Covered LossUp to $150. $50 deductible per occurrence (plan deductible is waived).
Emergency Medical EvacuationUp to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition. – not subject to deductible or overall maximum limit
Return of Minor ChildrenUp to $50,000 – not subject to deductible
Pet ReturnUp to $1,000 – not subject to deductible
Repatriation of RemainsEqual to the elected overall maximum limit – not subject to deductible or coinsurance
This limit is for this benefit only and is not included in or subject to the overall maximum limit.
Emergency ReunionUp to $100,000, subject to a maximum of 15 days – not subject to deductible
Natural Disaster – Replacement AccommodationsUp to $250 a day for up to 5 days – not subject to deductible
Emergency Quarantine Indemnity – COVID-19
(must have a minimum of 30 days of coverage) (only available outside your home country)
$50 a day for up to 10 days – not subject to deductible
Proof of quarantine mandated by a physician or governmental authority required. Quarantine must be due to you testing positive for COVID-19/SARS-CoV2 or being symptomatic and waiting on diagnostic test results.
Trip InterruptionUp to $10,000 – not subject to deductible
Travel DelayUp to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. – not subject to deductible
Lost Checked LuggageUp to $1000 – not subject to deductible
Lost or Stolen Passport/Travel VisaUp to $100 – not subject to deductible
Political EvacuationUp to $100,000 lifetime maximum – not subject to deductible
Accidental Death & Dismemberment (excludes loss due to common carrier accident)
$250,000 maximum benefit any one family or group.
– not subject to deductible or overall maximum limit
Ages 18 through 69 Lifetime Maximum – $25,000 Death – $25,000 Loss of 2 Limbs – $25,000 Loss of 1 Limb – $12,500 Under age 18 Lifetime Maximum – $5,000 Death – $5,000 Loss of 2 Limbs – $5,000 Loss of 1 Limb – $2,500 Ages 70 through 74 Lifetime Maximum – $12,500 Death – $12,500 Loss of 2 Limbs – $12,500 Loss of 1 Limb – $6,250 Ages 75 and older Lifetime Maximum – $6,250 Death – $6,250 Loss of 2 Limbs – $6,250 Loss of 1 Limb – $3,125
Optional Accidental Death & Dismemberment Rider (only available to members age 18 through age 69)Lifetime Maximum – $25,000
Death – $25,000
Loss of 2 Limbs – $25,000
Loss of 1 Limb – $12,500
– not subject to deductible or overall maximum limit
Common Carrier Accidental DeathAges 18 through 69: $50,000
Under age 18: $10,000
Ages 70 through 74: $25,000
Ages 75 and older: $12,500
Subject to a maximum of $250,000 any one family or group.
Crisis Response – Ransom, Personal Belongings, and Crisis Response Fees and ExpensesUp to $10,000 – not subject to deductible or overall maximum limit Optional Crisis Response buy-up with Natural Disaster Evacuation Coverage. $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation.
Hospital Indemnity$100 per day of inpatient hospitalization – not subject to deductible
Personal LiabilityUp to:,
$25,000 lifetime maximum
$25,000 third person injury
$25,000 third person property
$2,500 related third person property
– not subject to deductible or overall maximum limit
Optional Personal Liability Rider of up to $75,000 Lifetime
Bedside VisitUp to $1,500 – not subject to deductible
Border Entry ProtectionUp to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border – not subject to deductible

What’s Covered by Atlas Travel® ?


Would you know what to do if you found yourself in a life-threatening situation far from home? WorldTrips is experienced in arranging emergency medical evacuations. Atlas Travel will cover eligible expenses necessary to transport you from an initial treating facility to the nearest hospital qualified to treat your life-threatening condition. We also understand the importance of family support in these difficult situ- ations. Atlas Travel will also cover the transportation, lodging, and meal costs for a relative to join you after a covered emergency medical evacuation, up to the lifetime limit.

What would your family do if disaster strikes while you are away from home? The death of a loved one is never easy, no matter the circumstances. In the unfortunate event of your death while traveling abroad, Atlas Travel will arrange for and cover eligible costs associated with the repatriation of your remains.

If you are expected to be hospitalized for more than 36 hours due to a covered injury or illness and covered children under 18 years of age will be left unattended as a result, Atlas Travel will cover the eligible transportation cost for the children to return home.

In these turbulent times, the risk of a terrorist attack is a reality. If you are in the wrong place at the wrong time, and the country or region you’re visiting is NOT under a level 3 or level 4 travel advisory, Atlas Travel offers coverage for eligible medical expenses resulting from those acts. Coverage excludes countries or regions for which the U.S. Department of State has issued a level 3 (“reconsider travel”) or level 4 (“do not travel”) advisory in the 6 months prior to your arrival date.

If, during the coverage period and after your arrival, the U.S. Department of States issues a level 3 or level 4 travel advisory for your destination country, Atlas Travel will coordinate your alternate departure arrangements from that country and cover eligible associated costs.

Natural disasters can happen anywhere and at any time. If a natural disaster occurs on your trip, causing you to become displaced from your planned and paid accommodations, Atlas Travel will provide relief of a maximum of $250 a day for 5 days to help cover the costs of alternative accommodations.


Atlas Travel provides a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 80, you may be covered for an acute onset of a pre-ex- isting condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation.

An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existingcondition which occurs spontaneously and without advance warning, either in the form of physician recommenda- tions or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or conse- quences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage.

If a covered illness or injury requires hospitalization, the plan provides coverage for eligible costs associated with hospitalization, including intensive care unit and outpatient treatment.

Atlas Travel includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports – skiing and snowboarding (recreational downhill and/or cross country), snorkeling, water skiing, and others – at no addi- tional cost. Certain extreme sports are excluded from coverage.

Atlas Travel offers coverage for compli- cations of pregnancy during the first 26 weeks of gestation.

Atlas Travel offers up to $10,000 (or up to $100,000 if **additional coverage is selected) to offset costs associated with kidnapping, such as ransom, crisis response expenses, and loss of per- sonal belongings. This benefit includes access to the services of Unity Crisis Group for advice, coordination with law enforcement, and

Atlas Travel offers up to $25,000 (or up to $100,000 if additional coverage is selected) to offset the following types of court-entered eligible judgments or approved settlements incurred by the member:

  • Third-party injury;
  • Damage/loss of a third party’s per- sonal property;
  • Damage/loss of a related third party’s personal property.

*The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect the terms and conditions of any insurance policy issued by WorldTrips or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.
**A pre-existing condition is any condition:

  •  for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
  • that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

***A buy-up of an additional $90,000 is available for selection, which includes the added benefit of a $10,000 maximum for natural disaster evacuation.

Enrollment and Filing a Claim


For individuals with U.S. as home country, for every three-month period during which the member is covered hereunder, medical expenses incurred in the U.S. are covered up to a maxi- mum of 15 days.

For individuals with a home country other than the U.S., for every three- month period during which the member is covered hereunder, 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 the member returning 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 this agreement.

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, underwriters will pay eligible medical expenses, as defined herein, for up to 90 days. This period begins on the first day of diagnosis or treatment of a cov- ered injury or illness incurred while the member was outside his or her home country and while the certificate was in effect. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.

You may access the online quoting and purchasing system, or you may complete an application and mail or fax, along with your payment, to your agent or to WorldTrips.

You may file a claim by submitting a Claimant’s Statement and Authorization Form. This form may be found online, in Client Zone, or you may contact WorldTrips for a copy. Complete the form, attach all itemized invoices and payment receipts, and send them to the address shown on the Claimant’s Statement and Authorization form.

Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain insurance benefits required by, the United States’ Patient Protec- tion and Affordable Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA com- pliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individ- uals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether this policy meets any obligations you may have under PPACA.

Atlas Travel is underwritten by Lloyd’s. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.


WorldTrips’ Client Zone is an online account management and resource tool available to:

  • Extend coverage and reprint ID cards
  • Obtain details about claim filing and downloading forms
  • Locate providers within the PPO Network


If you prefer to speak to a professional service representative, contact WorldTrips’ World Service Center by calling toll-free from various countries or by calling collect. The World Service Center can provide service in many different languages.


Atlas Travel® includes valuable travel and medical assistance services, which are available 7 days a week, 365 days a year. Contact WorldTrips to access any of these services.

Consultations with attending medical professionals during hospitalization and establishment of a single point-of- contact for family members to receive ongoing updates regarding medical status.

Contact information for Western-style medical facilities, medical and dental practices, and pharmacies in the desti- nation country.

Assistance with obtaining replacement passports, birth certificates, visas, airline tickets, and other travel-related documents.

Tracking service to assist in locating luggage or other items lost in transit.


  • Prescription Drug Replacement
  • Emergency Travel Arrangements
  • Dispatch of Physician
  • Translation Assistance
  • Credit Card / Traveler’s Check Replacement

*For a complete list of available assistance services or for more information, please contact
WorldTrips. Travel and medical assistance services are not insurance benefits. Any travel or medical assistance service provided is not a
guarantee of any insurance benefit.

Short term travel insurance