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 Natural Disaster 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 - Replacement Accommodations

If you are affected by a natural disaster while traveling,  including earthquake, wildfire,  windborne dust or sand, volcanic eruption, tsunami, snow, rain or wind that results in severe damage, and the prevailing authorities ordered an evacuation, Atlas Travel Medical Insurance provides Natural Disaster benefit that pays for the cost of replacement accommodations if you are displaced from planned paid accommodations, up to the amount indicated in the Schedule of Benefits and Limits.

You must contact Tokio Marine HCC-MIS Group 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. 

If you are injured in a natural disaster and need medical treatment, you may be eligible for Atlas Travel Medical insurance’s medical benefits and emergency medical evacuation benefit


1. Replacement accommodations in the event you are displaced from planned paid accommodations due to evacuation from forecasted natural disaster or following a natural disaster strike. 

YOU ARE NOT COVERED unless you fulfill the following conditions:
1. Following receipt of proof of payment for the accommodations from which you were displaced


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

Displaced means required to depart a destination due to an evacuation ordered by prevailing authorities. 

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: 

1. 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 

2. Less than 72 hours advance notice of a potential landfall for a named storm exists. 

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