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 Local Burial or Cremation 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.

If in the unfortunate event the insured person dies due to a covered illness or injury,  and you want to bury or cremate the deceased insured person in the country of death instead of repatriation, Atlas Travel Medical Insurance provides Local Burial or Cremation benefit that pays for reasonable costs, up to the amount indicated in the Schedule of Benefits and Limits.

Tokio Marine HCC-MIS Group must approve the arrangements for local burial or cremation in advance and coordinate the process. You can call HCC-MIS Customer Service to make arrangements and help with the administration. 

If you want to repatriate the deceased insured person’s bodily remains or ashes to their home country, see Atlas Travel Medical Insurance Repatriation of Remains benefit. You can use either local burial / cremation benefit or repatriation of remains benefit, but not both. 



  1. For you to be buried or cremated in the country of death in lieu of Repatriation of Remains up to the specified benefit maximum. 

YOU ARE NOT COVERED unless you fulfill the following conditions: 

  1. The illness or injury giving rise to the expense is covered under this insurance; and 
  2. Travel arrangements are approved in advance and coordinated by us.


  1. The death occurs in your home country; or 
  2. The Emergency Medical Evacuation or Repatriation of Remains benefit is used; or 
  3. Expenses arise directly or indirectly from anything in the General Exclusions.

The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.

source: Atlas Travel Description of Coverage

If you need help with medical or travel emergencies while traveling abroad, you have access to Tokio Marine HCC-MIS Group World Service Center for Travel and Medical Assistance Services

You must file a claim for any expenses to be paid by HCC-MIS. Keep the original receipts for any expenses which have already been paid by you or on your behalf as proof of claim.  

You may send all claim related documents through ClientZoneemail to service@hccmis.com , or mail to:

Tokio Marine HCC – MIS Group

Box No. 2005

Farmington Hills, MI 48333-2005