Atlas Travel Medical Insurance Natural Disaster Evacuation 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.
Natural Disaster - Replacement Accommodations
Natural Disaster Evacuation
Natural Disaster Evacuation
While traveling abroad, if you are affected by a natural disaster which makes your host country location uninhabitable, Atlas Travel Medical Insurance provides Natural Disaster Evacuation benefit that pays for transportation to the nearest safe location and one-way economy airfare to return you to your home country following a natural disaster evacuation, and a maximum of three days for reasonable lodging accommodations if you are delayed at the safe location and unable to depart to your home country, up to the amount indicated in the Schedule of Benefits and Limits.
If you have purchased Atlas Travel Medical Insurance Premium plan, Natural Disaster Evacuation benefit is included in Crisis Response Coverage. If you have a Atlas Travel Medical Insurance Travel Plan, Natural Disaster Evacuation benefit is included only if you take an Optional Crisis Response Rider.
Your location in the host country is deemed uninhabitable either when the host country or the U.S. Embassy have issued a recommendation for you to leave, or is deemed uninhabitable by Tokio Marine HCC-MIS Group.
You must contact HCC-MIS as soon as possible after your host country issues the official disaster declaration. Travel arrangements must be approved in advance and coordinated by the insurance company.
NATURAL DISASTER EVACUATION
We will provide evacuation due to a natural disaster which makes your host country location
uninhabitable. The method of transportation will be determined by us.
YOU ARE COVERED:
- Transportation to the nearest safe location; and
- One-way economy airfare to return you to your home country following a Natural Disaster Evacuation; and
- A maximum of three (3) days for reasonable lodging accommodations if you are delayed at the safe location and unable to depart to your home country.
YOU ARE NOT COVERED unless you fulfill the following conditions:
1. You cannot obtain commercial transportation to the nearest safe location within a time period:
a. Enabling you to leave the host country in time to avert imminent bodily harm; or
b. Complying with the time allowed to leave the host country pursuant to the orders of the
recognized government of that host country; or
c. Officials of the host country or the U.S. Embassy, have issued, for reasons due to the Natural Disaster situation, a recommendation that the categories of persons which include you should leave the host country; or
2. Your location in the host country is deemed uninhabitable by us
3. You must contact us as soon as possible after your host country issues the official disaster declaration; and
4. Travel arrangements are approved in advance and coordinated by us.
YOU ARE NOT COVERED IF:
- You are able to leave your host country by normal means, such as changing a commercial airline ticket; we will assist in rebooking flights or other transportation. Such expenses for non-emergency transportation are your responsibility.
- Expenses are 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, or your failure to comply with our recommendations, or where rendering of service is prohibited by local laws or regulatory agencies.
If evacuation becomes impractical due to hostile or dangerous conditions, we will maintain contact with and advise you until evacuation becomes viable or the natural disaster situation has been resolved.
We shall be under no obligation to provide the services to you, who in our sole opinion, are located in areas that represent conditions in which providing services is impossible, including without limitation geographical remoteness, war (declared or undeclared), civil or other hostilities or political unrest.
Host Country means the country which you have traveled to and which is not your home country.
Imminent Bodily Harm means the existence of any condition or circumstance, which cannot be avoided through reasonable precautionary measures, and could be expected to cause death or serious physical harm to you, if you were to remain in the affected area where the natural disaster event has occurred.
Natural Disaster means an event of natural cause, including wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage. Natural disaster does not include the direct or indirect effect of rain, wind or water associated with named storms meeting the definition of hurricane or typhoon, except in instances where:
- The path of the named storm deviates by a distance of greater than 200 miles within a 72-hour period from the path forecast by a nationally recognized meteorological service
- Or less than 72 hours advance notice of a potential landfall for a named storm exists.
Uninhabitable means your host country location is deemed unfit for residence, as determined by us in accordance with U.S. and local authorities, due to lack of habitable shelter, food, heat and/or potable water AND no suitable supplemental housing is available within 100 miles of the disaster site.
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 ClientZone, email to firstname.lastname@example.org , or mail to:
Tokio Marine HCC – MIS Group
Box No. 2005
Farmington Hills, MI 48333-2005