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.  

How to file a claim with Atlas Travel Medical Insurance?

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 you have an Atlas Travel Medical Insurance policy, you shall submit your claim and proof of claim to Tokio Marine HCC-MIS Group.  

The required documents include your completed Claimant’s Statement and Authorization Form,  original itemized bills from your medical providers, original receipts for any expenses paid by you, your medical records, and other necessary documents required by the insurance company. Beginning on the last day of your certificate period, you shall have 60 days to provide HCC-MIS proof of claim. 

It will be helpful if you write a cover letter that explains what your claim is about and a list of documents that are included. Make sure you have copies of everything in case the original documents are lost.  

You may submit your claim online through ClientZone, Email to service@hccmis.com, or mail paper form to:

Tokio Marine HCC - MIS Group

Box No. 2005

Farmington Hills, MI 48333-2005


The claims examiners at HCC-MIS will review your medical records and expenses to determine whether to pay or deny your claim(s). The insurance company may request additional information and supporting documents from you and/or your medical provider(s). Make sure to provide the required documents and/or information on time to avoid delay of your claim process.

The claims process will be completed once the insurance company receives all the necessary information. Claims may take several weeks to process, some complicated claims make require longer time. When a final decision is made to approve your claim(s), HCC-MIS will pay billed charges of eligible expenses to your medical providers, and/ or reimburse you for eligible expenses that you have paid.

You will receive an Explanation of Benefits (EOB) statement that explains how much billed charges were paid to the health care provider(s) by HCC-MIS, and the amount, if any, you are responsible to pay. If you have difficulty understanding your EOB statement, you may call HCC-MIS Customer Service for clarification. 

Read Tokio Marine HCC-MIS Group’s A Step-by-Step Guide to the Claims Process for Members for more information about the claims process. 

If you want to check your claim status, you can visit ClientZone,  email your inquiry to service@hccmis.com, or call HCC-MIS Customer Service.


You must submit a claim for any expenses to be paid by us. This includes treatment or services for which the medical provider will bill us directly. No payments will be made by us without you first submitting a claim. 

Notice of claim, Claimant’s Statement and Authorization, and proof of claim must be mailed to: 

Tokio Marine HCC - MIS Group

P.O. Box 2005

Farmington Hills, MI 48333-2005 USA 


When we receive notice of a claim, we will provide you with forms for filing proof of claim. The following is considered to be proof of claim: 

1. A completed and signed Claimant’s Statement and Authorization form, together with any/all required attachments; 

2. Original itemized bills from physicians, hospitals and other medical providers; and 

3. Original receipts for any expenses which have already been paid by you or on your behalf. 

Beginning on the last day of your certificate period, you shall have 60 days to provide us proof of claim (unless medical services were rendered after the certificate termination date, in which case you shall have 60 days from the date the claim is incurred). Subsequent to receipt of proof of claim, we may, at our sole discretion, request and require additional information, including but not limited to medical records, necessary to confirm the validity of any claim prior to payment thereof.


You shall provide assistance and cooperate with us or our representatives in obtaining any other records we or they feel necessary to evaluate the incident or claim. Following notification of a claim, you shall provide, when asked, all authorizations necessary to obtain your medical records. If you do not cooperate with us and/or our investigation of the claim, we shall not be liable to pay any claim. 


You shall provide us, or our designated representatives, all information, documentation, medical information that we or they may reasonably require during the term of this policy, or until all claims have been resolved, whichever is later. 


We shall not pay any claim if there is other insurance which would, or would but for the existence of this insurance, pay such claim. This insurance will apply with respect to expenses in excess of the amount paid or payable under such other insurance. We shall not pay any claim in respect to care, treatment, services or supplies furnished by any program or agency funded by any government. 

source: Atlas Travel Description of Coverage