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 Emergency Reunion 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.

When traveling abroad, if you experience a serious, life-threatening medical emergency due to covered illness or injury, and the insurance company has organized a Emergency Medical Evacuation to transport you to the nearest qualified hospital to get necessary medical treatment to save your life or limb, it’s important to have family to support you through a difficult time.

Following a covered Emergency Medical Evacuation, Atlas Travel Medical Insurance has Emergency Reunion benefit that pays for cost of an economy round-trip air or ground transportation ticket for one relative of yours to be with you where you are hospitalized, as well as reasonable expenses for lodging and meals for the relative, up to the amount indicated in the Schedule of Benefits and Limits. 

Relative means biological or step parent; biological or step child; current spouse; biological or step siblings; or parent, children, or sibling in law.

You may contact Tokio Marine HCC-MIS Group Customer Service to make arrangements for emergency reunion. 



  1. The cost of an economy round-trip air or ground transportation ticket for one relative for transportation to the terminal serving the area where you are hospitalized or are to be hospitalized following Emergency Medical Evacuation; and 
  2. Reasonable expenses for lodging and meals for the relative, which are incurred in the area where you are hospitalized for a period not to exceed 15 days.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. You have a covered Emergency Medical Evacuation. 

1. Expenses arise directly or indirectly from anything in the General Exclusions. 

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