With medical coverage from 5 days to 1 year, the Atlas Travel plan from HCC Medical Insurance Services (HCCMIS) is with you almost anywhere on the planet you may travel for vacations, studying abroad, corporate travel, mission trips and extreme sports adventures.

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 happen, we're here to help if they do. Atlas Travel helps protect you from potential financial disaster while traveling abroad with benefits including inpatient and outpatient medical expenses, $500,000 of coverage for emergency medical evacuation, coverage for lost checked baggage, and many other important benefits. Atlas Travel gives you the peace-of-mind you're looking for!

Many times the primary medical insurance in your home country will not cover you while traveling abroad and often will not provide important services, perhaps essential ones, in the event of an illness or injury. Atlas Travel includes these essentials such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.

Additionally, medical costs can be very expensive while abroad. Past clients have encountered over $48,000 in medical expenses from a skiing accident alone. With Atlas Travel plans starting at less than $1 a day, can you afford not to have coverage?

Security Matters! - Atlas Travel is underwritten by Syndicate 4141 at Lloyd's, London. Lloyd's provides accident and health insurance to more than 1,000,000 people in over 100 countries. Lloyd's currently enjoys an A+ (Strong) rating from Standard & Poor's and is highly qualified to protect you on your next international trip.

Your Time Matters! - Manage your account, renew coverage, file claims, locate healthcare providers, and more - all online - with Client Zone. Or call HCCMIS's World Service Center from many countries around the world collect or toll-free.

So get out and see the world with Atlas Travel from HCCMIS by your side. It's health coverage around the world.

For more information about Atlas Travel, please contact:

Insubuy, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093

Phone: (866) INSU-BUY or (972) 985-4400
Fax: (972) 767-4470
Website: insubuy.com

Car Accident
Converting kilometers to miles can be hard, but a speed limit is a speed limit.

Car Accident $120,599^*
Travel Medical Coverage: starting under $1/day

* This amount is an example of an actual claim handled by HCCMIS. Coverage for similar claims is not to be inferred as all claims are unique.

Emergency Medical Evacuation and Emergency Reunion - Would you know what to do if you found yourself in a life-threatening situation far from home? HCCMIS is experienced in arranging Emergency Medical Evacuations. Atlas Travel will cover the necessary expenses to transport you to the nearest medical facility qualified to treat your life-threatening condition. We also understand the importance of family support in these difficult situations. Atlas Travel will also cover the transportation, lodging, and meal costs for a relative to join you after an Emergency Medical Evacuation.

Repatriation of Remains - 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 the costs associated with the repatriation of your remains.

Hospital Indemnity - If you are hospitalized, the world around you does not stop. What's more, in some places hospitals do not provide their patients basic necessities like meals, toothpaste or soap. If you are hospitalized as an inpatient for treatment of a covered illness or injury, Atlas Travel will provide $100 for each night you spend in the hospital.

Trip Interruption - One of a traveler's biggest worries is the safety of his or her home while away. If you learn that a catastrophic event like a tornado, hurricane or flood has caused severe damage to your home while traveling abroad, Atlas Travel will cover the cost of a one-way, economy class ticket to the airport nearest your home.

Incidental Home Country Coverage - Atlas Travel will provide you 15 days of incidental coverage for trips to your Home Country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers medical expenses only. Return to your Home Country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.

Benefit Period Medical Coverage - A Benefit Period begins on the first day you receive medical attention for a covered illness or injury, either in the form of diagnosis or treatment, while you are outside of your home country, and it lasts 180 days. If your coverage terminates during a Benefit Period, Atlas Travel will continue to cover you for the duration of the Benefit Period for eligible medical expenses only that directly relate to the covered condition for which the Benefit Period began, whether you are abroad or in your home country.

End of Trip Home Country Medical Coverage - If you are covered under Atlas Travel and outside of your Home Country continuously (except for covered Incidental Trips as described above) for six (6) months or more you may purchase an additional 30 days of End of Trip Home Country Medical Coverage.

Home Country Defined - If you are a US citizen, your Home Country is the United States, regardless of the location of your Principal Residence. If you are not a US citizen, your Home Country is the country where you principally reside and receive regular mail.

If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 lifetime maximum for eligible medical expenses and up to $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-existing Condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Return of Minor Children - 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 transportation cost for the children to return home.

Complications of Pregnancy - Atlas Travel offers coverage for Complications of Pregnancy during the first 26 weeks of gestation.

Terrorism - In these turbulent times, the risk of a terrorist attack is a reality. If you are in the wrong place at the wrong time, Atlas Travel offers coverage for medical expenses resulting from these acts.

Political Evacuation - If, during the coverage period and after your arrival, the United States government issues a travel warning for your destination country, Atlas Travel will coordinate your alternate departure arrangements from that country and cover the associated costs.

Natural Disaster Benefit - Natural disasters can happen anywhere and at anytime. If a natural disaster occurs while on your trip, causing you to become displaced from your accommodations, Atlas Travel will provide relief of $100 a day to help cover the costs of alternative accommodations.

Hospitalization & Outpatient Treatment - If a covered illness or injury requires hospitalization, the plan provides coverage for costs associated with hospitalization care, including intensive care, and outpatient treatment.

Available for extreme sports trips or the adventurous traveler. For an additional 20% premium, this Rider adds coverage for the Amateur sports listed in the exclusion section of this brochure.

If you plan to participate in sporting activities such as mountain climbing or whitewater rafting, you may consider our Sports Rider. This optional Rider will provide medical coverage for injuries resulting from participation in one of these activities otherwise excluded from coverage.

The maximum policy limit for injuries under this Rider is the Overall Maximum Limit you select. The Accidental Death and Dismemberment benefit is deleted during participation in sports activities. Purchase of the Rider does not include coverage for sports participated in for wage, reward or profit.

What is Excluded?
The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:

• Charges resulting directly or indirectly from any pre-existing condition, except Members under 70 years of age are covered for an Acute Onset of a Pre-existing Condition subject to the limits set forth in the Schedule of Benefits
• Treatment for or related to any congenital condition
• Pregnancy, including buy not limited to pre-natal care, post-natal care, newborn care and childbirth, except for complications of pregnancy within the first 26 weeks after conception
• Mental health disorders; substance abuse; willfully self-inflicted conditions
• Charges for use of emergency room within the US for treatment of illness unless the patient is directly admitted to the hospital as inpatient for further treatment of that illness (does not apply to injuries)
• Venereal disease; treatment of individuals who are HIV+ or have AIDS or ARC
• Treatment by a chiropractor; diseases of the skin; expenses related to vision or hearing; immunizations and routine physical exams
• Injury resulting from participation in the following activities:
  a. Amateur Athletics and Contact Sports; and professional sports or athletic activities. Non-contact and non-organized/non-sanctioned amateur sports or athletic activities engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes are not excluded unless they are excluded by (b) through (j) of this provision; and b. mountaineering where where a reasonably prudent person would use ropes or guides or at elevations or 4,500 meters or higher; and c. aviation (except when traveling solely as a passenger in a commercial aircraft); d. hang gliding, sky diving, parachuting or bungee jumping; and e. snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); and f. Racing by any animal or motorized vehicle; and g. spelunking; h. subaqua pursuits involving underwater breathing apparatus; and i. jet skiing; and j. any other sport or athletic activity which is undertaken for thrill seeking and exposes the member to abnormal or extreme risk of Injury
• Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Repatriation of Remains, Emergency Reunion, Natural Disaster and Trip Interruption sections of this insurance
• Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s)
• Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof
• Charges for treatment of any condition(s) when the purpose of departing the Home Country was to obtain treatment in the destination country/countries.
• Treatment of all forms of cancer/neoplasm

This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, please contact us.

Enrollment
To receive a quote and complete an application online, just click on 'Instant Quotes & Purchase' on the top of this web page, if you are paying by credit card.

Alternatively, you can use the paper application and mail it to us, if you are paying by credit card, check or money order.

Extensions and Renewals
Coverage under Atlas Travel may be extended up to 12 months. A new plan must be purchased after 12 months of coverage under Atlas America. Extensions and renewals may be completed through Current Clients.

Pre-certification
To receive full benefits, pre-certification is required for hospitalization, surgery, emergency medical and political evacuations, emergency reunions, trip interruptions, repatriation of remains, CAT scans, and MRI's.

Pre-certification may be done by contacting HCCMIS by phone, e-mail or live chat through Client Zone. Please see the certificate for more details.

Claim Filing
You may file a claim by submitting a Claimant's Statement and Authorization Form. This form may be found online, or you may contact us 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.

The Atlas Travel Series is underwritten by Syndicate 4141 at Lloyd's London. The Plan Administrator is HCC Medical Insurance Services.
HCC Medical Insurance Services, LLC (HCCMIS), headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. HCCMIS is a Wholly-owned subsidiary of HCC Insurance holdings, Inc. (NYSE:HCC), a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of $8.8 billion, shareholders' equity of $3.0 billion and is rated AA (Very Strong) by Standard & Poor's and AA (Very Strong) by Fitch Ratings. In addition, HCC's major domestic insurance companies are rated A+ (Superior) by A.M.Best Company.

Atlas America - For non-US citizens traveling to the US

Displayed rates are for $250 Deductible Option (in USD). Rates include Surplus Lines taxes and fee when applicable.
*$10,000 Maximum Limit
**First two children age 9 and under are free when two parents/guardians are insured under Atlas Travel. One child age 9 or under is free when one parent/guardian is insured under Atlas Travel.

Deductible and Sports Rider Factors

If for any reason you wish to cancel your policy, you must submit your cancellation request in writing to HCC Medical Insurance Services in order to receive a refund of premium. To be eligible for a full refund, the request for cancellation must be received prior to your effective date. Cancellation requests received after the effective date will be subject to the following conditions:
1) a $25 cancellation fee will apply; and
2) only the unused portion of the plan cost will be refunded; and
3) only members who have no claims are eligible for premium refund.

Privacy Policy: HCCMIS respects individual privacy and values the confidence of its customers, employees, consumers, business associates and others. Please contact us to obtain a full version of our Privacy Policy.

HCCMIS's Client Zone and World Service Center
HCCMIS's Client Zone is an online account management and resource tool that allows you to:

• Renew coverage and reprint ID cards
• Obtain details about claim filing and downloading forms
• Pre-certify for certain medical procedures and hospitalizations
• Locate providers within the PPO Network
• Study destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS)

You may access Client Zone by logging in at Current Clients.

24/7 Worldwide Travel and Medical Assistance
Atlas Travel includes valuable travel and medical assistance services, which are available to you 24 hours a day, 7 days a week. Contact us for information on any of these services.

Pre-Trip Destination Information - Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country

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

Provider Referrals - Contact information for Western-style medical facilities, medical and dental practices, and pharmacies in your destination country where English is spoken

Travel Document Replacement - Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents

Lost Luggage Assistance - Tracking service to assist in locating luggage or other items lost in transit
Other travel and medical assistance services available include:

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

For a complete list of available assistance services or for more information, please contact us.
Travel and Medical Assistance Services are no insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.

100.101.03.10