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 General Exclusions

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 has comprehensive medical coverage that covers a wide range of health services. Atlas insurance also come with key exclusions that do not qualify for coverage under this plan.  

A few examples are:

  • Atlas policy does not cover preventive care such as medical check up, vaccinations;
  • Atlas insurance does not cover pre-existing conditions, except charges resulting directly from an Acute-Onset of Pre-existing Condition;
  • Atlas insurance does not cover normal pregnancy unless it is a covered complication of pregnancy ;
  • Atlas insurance covers accident e.g. car accident injury. But if you are injured while driving the car under the influence of drug or alcohol over the legal limit, this injury is excluded from coverage;
  • Atlas insurance’s exclusions also include cosmetic surgery, pre-planned surgery, cancer treatment, mental health disorder treatment, self-inflicted injury, and more.

Understand the insurance’s benefits and limitations can help you choose an insurance plan that you need, or resolve claim disputes with the insurance company. 

Atlas insurance does not restrict your right to receive treatment or care of any condition, at your own expense, services and/or supplies that are not covered under this insurance. For medical expenses that are not covered by Atlas Travel Medical Insurance, you will have to pay by yourself.


Excluded Conditions, Treatments (includes Diagnoses, Tests, and Examinations), Services, Supplies, Acts, Omissions, and/or Events:

1. Pre-existing Conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition, as herein defined, subject to the limits set forth in the Schedule of Benefits and Limits.

2. Birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions.

3. Mental health disorders.

4. Pregnancy except as covered under Complications of Pregnancy, as herein defined, termination of pregnancy except in connection with covered Complications of Pregnancy, all charges related to pregnancy after the 26th week of pregnancy, routine prenatal care, child birth, postnatal care, and charges incurred by a child under the age of 14 days.

5. Impotency or sexual dysfunction.

6. All sexually transmitted diseases and conditions.

7. HIV, AIDS, or ARC, and all diseases caused by and/or related to HIV.

8. All forms of cancer / neoplasm.

9. Substance abuse or addiction or conditions that may be attributed to substance abuse or addictions and direct consequences thereof.

10. Acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and atrophic conditions of skin, nevus.

11. Sleep apnea or other sleep disorders.

12. Obesity or weight modification, including but not limited to wiring of the teeth and all forms of intestinal bypass surgery.

13. Self-inflicted injury or illness and/or suicide or attempted suicide whether sane or insane.

14. Injury sustained that is due wholly or partially to the effects of intoxication or drugs other than drugs taken in accordance with treatment prescribed by a physician and except drugs prescribed for the treatment of substance abuse.

15. Injury sustained while operating any motorized vehicle, aircraft or watercraft whether registered or not while under the influence of alcohol as defined under the law of the jurisdiction where the injury occurs or with a .08 Blood Alcohol Content (BAC), whichever is lower.

16. Routine medical examinations, including but not limited to vaccinations, immunizations, annual check-ups, the issue of medical certificates and attestations, and examinations as to the suitability of employment or travel.

17. Dental treatment and treatment of the temporomandibular joint, except for emergency dental treatment necessary to replace sound natural teeth lost or damaged in an accident covered hereunder or for the emergency relief of acute onset of pain.

18. Promotion or prevention of conception including but not limited to: artificial insemination, treatment for infertility, sterilization or reversal of sterilization.

19. Organ or tissue transplants or related services.

20. Eye surgery, such as corrective refractory surgery, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism.

21. Corrective devices and medical appliances, including eyeglasses, contact lenses, hearing aids, hearing implants, eye refraction, visual therapy, and any examination or fitting related to these devices, dentures or dental appliances, and all vision and hearing tests and examinations, except as provided for under Emergency Eye Exam.

22. Orthoptics and visual eye training.

23. Orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak, strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails.

24. Hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed.

25. Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinesiotherapy.

26. Psychometric, intelligence, competency, behavioral and educational testing.

27. Cosmetic or aesthetic reasons, except for reconstructive surgery when such surgery is directly related to and follows a surgery which was covered hereunder.

28. Modifications of the physical body intended to improve the psychological, mental or emotional well-being, including but not limited to sex-change surgery.

29. Exercise programs, whether or not prescribed or recommended by a physician.

30. Incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).

31. Cryo preservation and implantation or re-implantation of living cells.

32. Genetic or predictive testing.

33. Investigational, experimental or for research purposes.

34. While confined primarily to receive custodial care, educational or rehabilitative care, or any medical treatment in any establishment for the care of the aged, except rehabilitative care received upon direct transfer from an acute care hospital.

35. Not medically necessary.

36. Not administered by or under the supervision of a physician, and products that can be purchased without a doctor's prescription.

37. Provided by a relative, family member or any person who ordinarily resides with you.

38. Provided at no cost to you.

39. Telephone consultations or failure to keep a scheduled appointment.

40. Payable under any government system, including the Australian Medicare system.

41. Payable under Worker’s Compensation or Employer’s Liability Laws, or by any coverage provided or required by law.

42. Charges exceeding usual, reasonable and customary.

43. Charges resulting from or occurring during the commission of a violation of law, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.

44. Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) has issued a Level 3 Travel Warning if a) the warning has been in effect within the 6 months immediately prior to your date of arrival, or b) within 10 days following the date the warning is issued you have failed to depart the country or location.

45. War, military action or while on duty as a member of a police or military force unit.

46. Travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of Remains, Emergency Reunion, Natural Disaster, Return of Minor Children, Political Evacuation, Trip Interruption, Trip Delay, and Border Entry Protection sections of this insurance.

47. Incurred outside your certificate period.

48. Submitted to us for payment more than 60 days after the last day of the certificate period.

49. When departure from the home country is to obtain treatment in the destination country/countries.

50. Complications or consequences of a treatment or condition not covered hereunder.

51. Not included as Eligible Expenses as described herein.

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.