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Atlas Exchange

Insurance for Students and Exchange Visitors, their Dependents and their Family

5 Days to 1,456 Days

Atlas Exchange Choice has 6 months waiting period for pre-existing conditions.
Atlas Exchange Essential has 12 months waiting period for pre-existing conditions.

The Atlas Exchange plan is with you almost anywhere in the world you may travel for vacations, travel, and studying abroad.

Why Choose Atlas Exchange?

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.

Atlas Exchange helps you manage unexpected medical costs 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.

Do I need travel medical insurance?

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 Exchange includes these essentials such as translation assistance during treatment, doctor and hospital referrals, and assistance replacing lost prescriptions.

After purchasing coverage, how can I trust the company to be there if I need them?

Tokio Marine HCC – MIS Group, headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance designed to meet needs of consumers worldwide.

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, as 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.

*At the time of printing. For more information on these ratings, please visit: www.standardandpoors.com, www.ambest.com, and www.fitchratings.com.

Atlas Exchange Schedule of Benefits and Limits

Plan Details
Overall Maximum Limit$100,000, $250,000, or $500,000
Deductibles$0, $250, or $500 per certificate period, or $100 per injury/illness
Coinsurance – Claims incurred in U.S.Within the PPO: 80/20: We will pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit; or 100%: We will pay 100% of eligible expenses after the deductible, then 100% to the overall maximum limit.
Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Coinsurance – Claims incurred outside U.S.For the certificate period, underwriters will pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Eligible expenses are subject to deductible, coinsurance, 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-payment – Claims incurred in the U.S.The member shall be responsible for a $200 co-payment for each use of emergency room for an Illness unless the member is admitted to the hospital. There will be no copayment for emergency room treatment of an injury.
Urgent Care Center – Claims incurred in the U.S.For each visit, the member shall be responsible for a $50 co-payment, after which coinsurance will apply. Not subject to deductible. Co-payment is waived for members with a $0 deductible.
Hospital Indemnity (in addition to medical expenses)$100 per day of inpatient hospitalization for member's use to offset miscellaneous expenses (not subject to deductible or coinsurance).
Outpatient Physical Therapy and Chiropractic CareUp to $50 maximum per day. Must be ordered in advance by a physician.
Pre-existing ConditionsFor conditions existing within 2 years before the effective date, charges are excluded until after 6 or 12 months of coverage, and a $500 maximum applies per certificate period.
TerrorismUp to $50,000 maximum lifetime limit, eligible medical expenses only.
Emergency Dental (acute onset of pain)$250 limit per certificate period (not subject to deductible or coinsurance).
All Other Eligible Medical ExpensesUp to the overall maximum limit.
Emergency Travel BenefitsLimit
Emergency Medical EvacuationUp to $1,000,000 lifetime maximum (not subject to deductible, coinsurance, or overall maximum limit)
Return of Minor ChildrenUp to $50,000 (not subject to deductible or coinsurance).
Pet ReturnUp to $1,000 (not subject to deductible or coinsurance).
Repatriation of RemainsUp to the overall maximum limit – (not subject to deductible, coinsurance, or overall maximum limit)
Emergency ReunionUp to $50,000, subject to a maximum of 15 days
(not subject to deductible or coinsurance).
Natural Disaster – Replacement AccommodationsUp to $100 per day for 5 days (not subject to deductible or coinsurance).
Trip InterruptionUp to $5,000 (not subject to deductible or coinsurance).
Trip DelayUp to $100 per day after a 12-hour delay requiring an unplanned overnight stay (2 days maximum) (not subject to deductible or coinsurance).
Lost Checked LuggageUp to $500 (not subject to deductible or coinsurance).
Political EvacuationUp to $10,000 lifetime maximum (not subject to deductible or coinsurance).
Accidental Death and Dismemberment (excludes loss due to common carrier accident)$250,000 maximum benefit per one family or group. (Not subject to deductible, coinsurance, or overall maximum limit.)
        Members up to age 18Lifetime max. - $5,000; Death - $5,000; Loss of 2 limbs - $5,000; Loss of 1 limb - $2,500.
        Members age 18 through 64Lifetime max. - $50,000; Death - $50,000; Loss of 2 limbs - $50,000; Loss of 1 limb - $25,000.
Common Carrier Accidental DeathUp to age 18 - $25,000 per member; Age 18 to 64 - $50,000 per member. $250,000 maximum benefit per one family or group.
(Not subject to deductible, coinsurance, or overall maximum limit.)
Crisis ResponseUp to $10,000 (not subject to deductible, coinsurance, or overall maximum limit).
Personal Liability
Up to $10,000 lifetime maximum.
$10,000 third person injury or property
$2,500 related third person property
(not subject to deductible, coinsurance, or overall maximum limit)
Bedside VisitUp to $1,500 (not subject to deductible or coinsurance).

What's Covered by Atlas Exchange?

International Coverage

Emergency Medical Evacuation and Emergency Reunion

Would you know what to do if you found yourself in a life-threatening situation far from home? We are experienced in arranging emergency medical evacuations. Atlas Exchange 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 situations. Atlas Exchange 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.

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 Exchange will arrange for and cover the costs associated with the repatriation of your remains.

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 Exchange will cover the 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 you’re visiting is NOT under a travel advisory, Atlas Exchange offers coverage for eligible medical expenses resulting from those acts. Coverage excludes countries for which the U.S. Department of State has issued a travel warning.

Political Evacuation

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

Natural Disaster Benefit

Natural disasters can happen anywhere and at any time. If a natural disaster occurs on your trip, causing you to become displaced from your accommodations, Atlas Exchange will provide relief of a maximum of $100 a day for 5 days to help cover the costs of alternative accommodations.

Atlas Exchange* Quality Benefits

Pre-Existing Conditions

After the first six or twelve months, as elected by the insured, Atlas Exchange provides a limited pre-existing condition benefit of up to $500 per certificate period for eligible medical expenses. A pre-existing condition is a condition (whether known or unknown) that, with reasonable medical certainty, existed within 2 years immediately preceding the certificate effective date.

Hospitalization and Outpatient Treatment

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

Sports Coverage

Atlas Exchange includes coverage for eligible injuries and illnesses that could occur while participating in many popular vacation sports - skiing, snowboarding, snorkeling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.

Complications of Pregnancy

Atlas Exchange offers coverage for complications of pregnancy during the first 26 weeks of gestation.

Crisis Response

Atlas Exchange 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 personal belongings. This benefit includes access to the services of Unity Crisis Group for advice, coordination with law enforcement, and negotiations during a kidnapping.

**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.

Personal Liability

Atlas Exchange offers up to $10,000 (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 personal 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 the administrator or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.

Enrollment and Filing a Claim

Home Country Coverage

Incidental Home Country Coverage

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 maximum of 15 days for any three month period.

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 for any three month period.

Any benefit accrued under a single 3 month period does not accumulate to another period. Failure of the member to continue his or her international trip or 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 this agreement.

Benefit Period Medical Coverage

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 beginning on the first day of diagnosis or treatment of a covered injury or illness while the member is 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 can apply over the phone as well by calling us.

Claim Filing

You may file a claim by submitting a claimant’s statement and authorization form. This form may be found online. Complete the form, attach all itemized invoices and payment receipts, and send them to the address shown on the claimant’s statement.

Outstanding Customer Service

Client Zone and World Service Center

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

You can access Client Zone here.

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

Worldwide Travel and Medical Assistance

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

Pre-Trip Destination Information

Up-to-date information regarding required vaccinations, health risks, travel restrictions, and weather conditions specific to the destination country.

Medical Monitoring

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.

Provider Referrals

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

Travel Document Replacement

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

Lost Luggage Assistance

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

Other Travel Assistance Services*

  • 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 the administrator. Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.


Tokio Marine HCC - MIS Group
251 North Illinois Street, Suite 600
Indianapolis, IN 46204


Insubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: (866) INSUBUY
Phone: (972) 985-4400
Fax: (972) 767-4470
Website: www.insubuy.com

Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. In no event will Underwriters provide benefits in excess of those specified in the policy documents, and this insurance is not subject to guaranteed issuance or renewal. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

Atlas Exchange is underwritten by Lloyd’s, London. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group 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.

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