The help section will provide you with explanations about words and sections used in this online application. If you have any further questions please do not hesitate to contact us at:

Eligibility Requirements:

The Atlas Series is available to you if you are at least 14 days old and traveling outside of your Home Country. If you are a US citizen, your Home Country is always the United States, regardless of the location of your Principal Residence. If you are not a US citizen, Home Country is the country where you principally reside and receive regular mail.

Enter only individuals who will be traveling. It is not necessary to enter family members who will not be traveling. The Atlas Series is not available to individuals who are physically located in the state of New York at time of purchase.

Will your trip include the US or US territories as a destination country?

If you are a non-US citizen and non-US resident and any part of your travel includes the US, you must answer Yes to this question.

US Territories - Major US territories include Puerto Rico and the US Virgin Islands. You may answer No to this question for travel that includes Guam, American Samoa, and Northern Mariana Islands.

Layovers - If you are a US citizen or US resident with a layover in the US prior to your departure from the US, your coverage will begin when you depart the US. You should answer No to this question. If you are a non-US citizen or non-US resident and your travel will include a layover in the US, you should answer Yes to this question.

Incidental Trips Home - For each three (3) months during which a Member is covered hereunder, Medical Expenses only are covered during incidental trips totaling no more than 15 days duration per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Member’s Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling. US citizens whose travel will include an Incidental Trip to the US may answer No to this question.

Date Coverage Should Begin and End

Your coverage becomes effective on the latest of: the date we receive your Application and correct premium, the moment you depart from your Home Country, or the date you request on your Application.

Your coverage will end on the earliest of: the end of the period for which you have paid a premium, the date requested on your Application, or the moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage).

Coverage Amount

The maximum amount of all benefits, except for Emergency Medical Evacuation, Accidental Death and Dismemberment and Common Carrier Accidental Death.


The dollar amount of Eligible Expenses that the Member must pay per Certificate Period before the plan begins to pay covered expenses.


If you require a Confirmation of Coverage letter and wish for your Passport Number to be included, you may enter it in the field provided. After purchasing your policy, the letter will be available for download in PDF format through HCCMIS's Client Zone at If you do not have your Passport Number available at this time, you may enter it in Client Zone prior to downloading the document.


The legal status of being a citizen of a country.

Online Fulfillment

By selecting online fulfillment, your policy information will be available to print once your application has been processed and credit card approved. A duplicate copy of this information is also delivered to the email address you indicate on the insurance application. By selecting "Yes", you acknowledge that you have accepted online-fulfillment of your insurance documents. If you prefer your insurance documents mailed to you, please select "No" for the Online Fulfillment option.


The individual named in the Member's Application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit.

Card Security Code

The Card Security Code is an added security feature to help protect you against online fraud.

The Card Security Code is the group of numbers immediately following your credit card number on the back of the card. These numbers are used by your credit card company to help prevent fraud. Because the Card Security Code is not printed on your receipts, it helps ensure that someone is not using your credit card information fraudulently.

Visa, MasterCard, and Discover

For Visa and MasterCard there are 3 digits on the back of the card in the area shown by the graphic above.

American Express

For American Express there are 4 digits on the front of the card in the area shown by the graphic above.