International Health Plans - FAQs

Am I covered as a professional or amateur athlete and should I purchase the hazardous rider?

No coverage for any organized professional or amateur sporting activities.

One of the excluded items is emergency room charges for illness. Does that mean that I am not covered in the ER and are ER charges for injuries and accidents covered?

The coverage does not cover going to the ER facility unless an overnight stay is required, then it is covered.Charges for services received at the ER (i.e. doctor/medicine) are covered for Illnesses and Injuries not otherwise excluded by the plan.

I will be traveling to a country that requires that I show proof of medical coverage and was wondering if my ID card is acceptable by the country’s consulate?

You may be required to produce a Visa letter, which is a document to substantiate that your coverage will be effective during your travels to a specific country. You may obtain a Visa Letter instantly by logging into HCCMIS’s Client Zone at

I am a US citizen and will be applying to be a Canadian citizen in 3 to 6 months. However, I plan to come back to the states for a week. What do you recommend?

When you purchase the Atlas Series for at least 3 months you are eligible for the Incidental Home Country Coverage, which will provide coverage in your home country during one incidental trip of up to 15 days.

Are pre-existing conditions covered? And can I be turned down for coverage?

No, you will not be turned down, as the Atlas Series plans are guaranteed issued plans. There is a look back period for pre-existing conditions of 2 years prior to the certificate effective date for any pre-existing condition. The only exception is coverage provided under the Acute Onset of a Preexisting Condition benefit. Please refer to the Atlas exclusions page of this website for complete definitions.

If I purchase the Atlas Series for 12 months and end up coming back to my home country after 10 months, am I entitled to a refund of the difference in coverage I do not use?

Yes. Cancellation requests received after the effective date will be subject to the following conditions: (1) a $25 cancellation fee will apply; (2) only the unused portion of the plan cost will be refunded; and (3) only members who have no claims are eligible for cancellation.