U.S. government: Coronavirus (COVID-19) information

CDC: Coronavirus (COVID-19) Travel Advice

Tokio Marine HCC-MIS: How Coronavirus Affects Your Coverage

If You Purchased Your Atlas Policy on Or After July 15, 2020 : Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.  

Atlas Travel Medical Insurance Sports and Activities Coverage

Atlas Travel Medical Insurance is an insurance policy designed for international travelers from around the world. Atlas travel insurance includes comprehensive medical, emergency evacuation and essential travel benefits that provide financial protection to international travelers against different kinds of risks you can encounter while traveling outside of your home country.

Atlas Travel medical Insurance covers for injury or illness resulting from participation in a wide variety of sports or leisure activities not otherwise excluded under this insurance. You do not need to pay extra to get sports and activities coverage, it is included in your Atlas policy.

If you are injured or become ill while participating in covered sports or activities, Atlas Travel Medical Insurance pays for eligible medical expenses according to schedule of benefit and limits of medical coverage, as well as other eligible travel benefits. 

If you sustain a covered life-threatening injury or illness and the local medical facility cannot provide medically necessary treatment to save your life or limb, Atlas insurance has Emergency Medical Evacuation benefit that can organize and pay for emergency air or ground transportation to take you to the nearest qualified hospital.

Following a covered emergency medical evacuation, or if you are confined in a hospital Intensive Care Unit, Atlas insurance has travel benefits such as  Emergency Reunion or Bedside Visit that pay to bring your family to be with you during difficult times.

You are covered if you take part in amateur/non-professional sports and activities, e.g. taking a cruise, playing soccer, hiking, surfing, mountain biking, etc. You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets etc) are worn at all times.  

Atlas insurance does not provide protection for all of the sports and activities. You are not covered for participating in the sports and activities that are excluded by the insurance (e.g. boxing, sky surfing, cave diving) , neither are you covered if you participate in professional and/ or paid sports or activities. 

If you are planning an adventure travel to explore the world,  learn the potential risks of adventure travel and how Atlas Travel Medical Insurance can help

If you have questions, you can contact HCC-MIS Customer Services to inquire whether your planned activity can be covered before you participate in dangerous sports or adventure activities.


1. You are covered for taking part in amateur/non-professional sports and activities, unless it is 

excluded below. Coverage is for recreational purposes incidental to a trip. 

YOU ARE NOT COVERED unless you fulfill the following conditions:
1. You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets etc.) are worn at all times. 


  1. The activity is organized athletics involving regular or scheduled practice and/or games; or
  2. The activity is performed in a professional capacity or for any wage, reward, or profit; or
  3. Expenses arise directly or indirectly from anything in the General Exclusions; or
  4. Any of the excluded items listed below: 
  • All-Terrain Vehicles 
  • American Football 
  • Aussie Rules Football 
  • Aviation (except when traveling solely as a
    passenger in a commercial aircraft) 
  • Base Jumping 
  • Big Game Hunting 
  • Bobsleigh 
  • Boxing 
  • Cave Diving 
  • Hang-Gliding 
  • Heli-Skiing 
  • Hot Air Ballooning as a Pilot 
  • Ice Hockey 
  • Jousting 
  • Kite-Surfing 
  • Luge 
  • Martial Arts 
  • Modern Pentathlon 
  • Motorized Dirt Bikes 
  • Mountaineering at elevations of 4,500
    meters or higher 
  • Outdoor Endurance Events 
  • Parachuting 
  • Parasailing
  • Powerlifting
  • Quad Biking
  • Racing by any Animal, Motorized Vehicle, or BMX, and Speed Trials and Speedway
  • Running with the Bulls
  • Skeleton
  • Sky Surfing
  • Snow Skiing and Snowboarding, except recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided while skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body) 
  • Snow Mobiles
  • Spelunking
  • Sub Aqua Pursuits involving underwater breathing apparatus unless accompanied by a certified instructor at depths less than 10 meters, or PADI/NAUI certified 
  • Tractors
  • Whitewater Rafting 
  • Wrestling 

source: Atlas Travel Description of Coverage

Atlas Travel Medical Insurance has comprehensive medical benefits that pays eligible medical expenses if you experience an unexpected illness or injury while traveling abroad.  Atlas insurance provides worldwide coverage. In the event of a medical emergency, you are free to go to doctors, hospitals, or other health care providers of your choice. 

If you need to get medical treatment while visiting the U.S., you have access to nationwide Preferred Provider Organization (PPO) networks of doctors and hospitals in all 50 states. More about How to Use Atlas Trave Medical Insurance If You Need Medical Care While Visiting the United States?  

Tokio Marine HCC- MIS Group works with EQUIAN International Provider Network to maintain relationships with hospitals and doctors throughout the world. You may visit EQUIAN International Provider Network to locate a healthcare provider in your country. More about How to use Atlas Travel Medical Insurance If You Need Medical Care While Traveling Abroad?

You have access to Tokio Marine HCC–MIS Group’s travel and medical assistance services such as health provider referrals, medical monitoring, prescription drug replacement, translation and interpretation assistance, and more.