how to buy travel medical insurance

How to Buy Travel Medical Insurance

Once you’ve completed the steps on our What to Do Before You Buy a Policy checklist, you’ll be just about ready to purchase your travel medical plan. But before you head over to get a quote for your chosen plan, make sure you have the following information on hand:

  • Your destination
  • The date you want your coverage to start and end
  • The maximum coverage you’d like for your plan
  • The deductible you’d like for your plan
  • Your home country and citizenship
  • Your passport number (optional)
  • The name of your beneficiary for the accidental death benefit
  • The following information for each traveler on your policy: Name, gender, date of birth, passport number (optional), and home country / citizenship
  • Your mailing address and postal code
  • Your credit or debit card number, card security code, and expiration date

Now we’ll take you on a visual walkthrough of the Atlas Travel insurance quote estimator from Tokio Marine HCC – MIS Group. This should give you an idea what the purchase process looks like, and we’ll (hopefully!) answer any questions you may have along the way.

Find the Atlas Travel Quote Estimator at

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To the right of the main page you’ll find the quote estimator. You can use this widget to simply obtain a free quote or to purchase a policy. If at any point you find yourself unsure what a question is asking, look for the Information Symbol.jpg symbol to provide you with further detail.

Step One: Choose Your Coverage Area

First, you’ll need to choose your coverage area – “worldwide, including U.S.” or “worldwide, excluding U.S.”

  • If you are a U.S. citizen or U.S. resident with a layover in the U.S. prior to your departure from the U.S., your coverage will not begin until you depart the U.S. → Select “Worldwide, excluding U.S.”
  • If you are a non-U.S. citizen and non-U.S. resident and any part of your travel includes the U.S., or if any part of your travel will include a layover in the U.S. → Select “Worldwide, including U.S.”
    • Note: Major U.S. territories include Puerto Rico and the U.S. Virgin Islands. If these territories are included in your travel itinerary → Select “Worldwide, including U.S.”
    • Note: For travel that includes Guam, American Samoa, or Northern Mariana Islands → Select “Worldwide, excluding U.S.”
  • If you are a non-U.S. citizen and non-U.S. resident and your travel does not include the U.S. → Select “Worldwide, excluding U.S.”
Step Two: Choose Your Travel Dates

Next, you’ll select your travel dates. You may type in your coverage start date and coverage end date (using the format MM/DD/YYYY) or use the interactive calendar to select your dates.

  • Coverage Start Date – This is the first day you'll be covered and it is usually the day you depart your home country. Please note that coverage will not start until the moment you have left your home country. Today's date is the earliest date you can use for your coverage start date, and today’s date plus six months is the latest date you can use for your coverage start date.
  • Coverage End Date – This is the last day you'll be covered and is usually the day you return to your home country. Please note that coverage ends the earlier of either the moment you return to your home country (unless you have started a benefit period or are eligible for home country coverage) or 11:59 p.m. Eastern Time on your chosen end date, which is shown on your policy fulfillment document.
Step Three: Add Travelers’ Birthdates

Type in the first traveler’s birthdate using the format MM/DD/YYYY (i.e. 09/27/1980). Click “Add Traveler” to add each additional traveler to the policy and fill in each traveler’s birthdate. Then hit the orange “Get Quote Now” button.

If your quote does not process, a message will provide detail as to what information needs to be completed or revised. If you’re still not sure why your quote is unable to process, contact Tokio Marine HCC – MIS Group at Toll Free: (800) 605-2282.

Page 1/5: Choose Your Plan

On page 1, you will be shown the plan that’s most popular for your demographic and length of travel. In the orange box, you’ll see the price of your policy (as per the plan, coverage maximum, and deductible you select).

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Click the blue “View Plan Highlights” box to see some of the highlighted features of this plan or to download the full policy wording in a PDF document.

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Not the plan you’re looking for? Select “More Recommended Plans” to see if there’s another great option for you. You can also use the dropdown menu to increase or decrease your maximum* and/or deductible* to see how the cost of each policy (displayed in the orange box) increases or decreases accordingly.

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Once you’ve chosen your plan, hit the orange “Select” button to move onto the next page.

*Maximum = This is your maximum coverage limit, or the maximum amount of money your travel medical policy will pay toward your eligible expenses. As per Atlas Travel, this maximum is not applied to the Emergency Medical Evacuation Benefit, Accidental Death and Dismemberment (AD&D) benefit, Common Carrier Accidental Death benefit, Personal Liability benefit, or Crisis Response benefit.

*Deductible = Your deductible is the predetermined dollar amount of eligible expenses that you must pay before your travel medical plan will begin to cover its share of your remaining eligible expenses.

NOTE: On the right side of the page, you’ll see the contact information for your producer – this is the sales representative you can contact if you have questions. If you’d like to save your quote for later, hit “Save Quote” at the top right of the page. Or, hit “Start Over” to get a new quote.

Page 2/5: Destinations

Click the dropdown arrow and scroll until you find and can select your primary destination. This is the location where you’ll be spending the majority of your trip. Don’t worry if you’ll be visiting multiple destinations—your Atlas Travel policy will cover you throughout the duration of your international trip.

NOTE: Certain countries are currently excluded from coverage due to U.S. government sanctions. If you’re not sure whether your destination is excluded, contact Tokio Marine HCC – MIS Group at 877-690-9859.

Additionally, certain benefits, such as the Political Evacuation and Terrorism benefits, are restricted based on U.S. State Department travel warnings, as indicated in the policy wording. To review the Atlas Travel policy wording, click here. For a complete list of U.S. travel warnings, click here.

Screenshot, Destinations 1.jpg

Once you’ve selected your primary destination, you’ll see options to increase your coverage amounts for a number of different benefits. Whether or not you want to increase these coverages is entirely up to you.

Screenshot, Destinations 2.jpg

Within each additional coverage option, you’ll see the amount you will be charged per person per day.  In blue, you’ll see the total amount that will be added to your policy if you opt to increase that coverage.

Need a benefit refresher? Click the Information Symbol.jpg beside each benefit for more details. If you wish to elect additional coverage, simply hit the plus sign beside the benefit of your choosing. As you add additional coverage, you can see how your total policy amount increases. (If you change your mind about upping your coverage, just hit the minus sign for that coverage to remove it.)

When you’re ready to move on to the next page, hit the orange “Next Step” button.

Page 3/5: Traveler Information

This is where you’ll fill in your personal information (or the information of the traveler(s) on the policy). Enter your email address, first/last name and middle initial, and gender.

Screenshot, Traveler Information.jpg

When selecting home country, choose the country where you principally reside and receive regular mail. Then select your citizenship – this is the country of which you are a legal citizen.

You may choose to provide your passport number if you require a Visa letter and would like your passport number to be included on it. (Once you’ve purchased your policy, you’ll be able to download this letter in PDF format through the Client Zone at

Before you go on to the next step, you’ll also need to enter a beneficiary. This is the name of the person who would receive any Accidental Death or Common Carrier Accidental Death Benefit.

Page 4/5: Checkout

On the checkout page you’ll enter your mailing address, phone, and email address.

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Where it says “ID Cards,” use the arrow to select your delivery option from the dropdown menu. If you select “email only,” then your ID cards* will be sent to the provided email address as soon as your application has been processed and your credit card has been approved.

If you select “email and hard copy,” you’ll receive your ID cards via email as well as via postal mail to the address entered on your application.

NOTE: For trips starting within a week of purchase, we recommend you choose “email only” here.

Next, check whether your billing address differs from your mailing address and enter your credit card information. Your card security code is a 3-digit number on the white strip on the back of your card (or, for American Express, a 4-digit number on the front of the card above the card number). The month and year is your card’s expiration date.

Finally, read through the terms and conditions, check the box if you agree, and hit the orange “Submit!” button to head to the confirmation page!

*ID Card = Your ID card includes your name, the name of your insurer, your ID number, your effective date of coverage, and your international provider network. Should you need to seek medical treatment, you can present this card to your medical provider as proof of insurance.

Page 5/5: Confirmation

This final page confirms your policy purchase and allows you to download your fulfillment documents directly (your documents will also be sent to your email address immediately following your purchase).

Now what?

Now that you’ve officially purchased your international coverage, it’s time to complete steps 1-5 of our “What to Do After You Buy a Policy” checklist.

Need help?

Need to cancel?

If you decide that your Atlas Travel insurance policy does not meet your needs or you wish to cancel for any reason, you can submit a cancellation request to TM HCC – MIS Group in writing to receive a refund of premium.

To be eligible for a full refund, the cancellation request must be received prior to your policy’s effective date. If TM HCC – MIS Group receives your cancellation request after the effective date, you will be charged a $25 cancellation fee and only the unused portion of the plan cost will be refunded.

Only members who have no claims are eligible for premium refund.

To cancel your Atlas Travel policy, contact TM HCC – MIS Group by email at Include the following information:

  • First name
  • Last name
  • Date of birth
  • Certificate number
  • Reason for cancellation
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