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.  

Traveling Abroad When You Have a Pre-existing Medical Condition 

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 Acute Onset of Pre-Existing Conditions benefit that pays for eligible expenses resulting directly from an Acute Onset of Pre-existing Condition subject to the limits set forth in the Schedule of Benefits and Limits.

In general, a pre-existing condition is any medical condition (both diagnosed and undiagnosed) that existed before your insurance becomes effective. People with pre-existing conditions are eligible for Atlas Travel Medical Insurance. You will not be charged a higher premium because of a pre-existing health condition. 

What’s covered?

What’s not covered?

Can I get Atlas insurance if I have a pre-existing condition?

How does Atlas insurance determine coverage for pre-existing conditions?

Tips for travelers with Pre-existing conditions

Can I get Atlas insurance if I have pre-existing conditions?

People with pre-existing medical conditions are eligible for Atlas Travel medical Insurance. You will not be charged a higher premium because of a pre-existing health condition. Your application will not be denied because you have pre-existing conditions.

Atlas Travel Medical Insurance includes Acute Onset of Pre-existing Conditions benefit as part of medical coverage. Members up to 79 years of age are covered for this benefit. Members age 80 or older do not have acute onset of pre-existing conditions coverage .

Although Atlas insurance allows you to purchase the policy when your trip has already started, don’t wait to buy insurance when you are in need of medical care. If you decide to buy insurance after you have had a medical emergency, the insurance will not cover the medical conditions that have already occurred before your insurance policy is effective.

How does Atlas insurance determine coverage for pre-existing medical condition?

Because medical conditions vary from person to person, in general it is difficult for the insurance company to provide you a definitive answer beforehand whether a particular medical condition will be covered as Acute onset of pre-existing conditions or not. 

An acute onset is rapidly progressive, serious or life-threatening, and requires urgent care. As a condition for acute onset coverage, you must obtain treatment within 24 hours of the sudden and unexpected outbreak or recurrence. Routine medical care for a pre-existing condition (e.g. check up, refill prescription medication etc) are not considered as an acute onset situation.

When you get medical treatment for a specific medical condition, your doctor may ask you questions about your health history, order lab or other tests to help them diagnose and treat your medical conditions. The attending physician will have an opinion about whether this is a pre-existing condition, and / or whether this is an acute onset of a pre-existing condition. 

The insurance company’s claim experts will review your doctor’s  diagnosis, treatment you received, lab tests results, and may ask for more information from you and/ or from your doctor, e.g your past medical records, to decide whether your medical condition meets the criteria of an acute onset of pre-existing conditions benefit. 

If your medical condition is considered an acute onset of pre-existing conditions, Atlas insurance pays for eligible medical and travel benefits subject to the limits set forth in the Schedule of Benefits and Limits.

If your claim is denied by the insurance company citing it as a pre-existing condition, and you believe this should be considered a new condition or an acute onset of pre-existing condition, you have the right to make an appeal to HCC-MIS Group. You should provide supporting evidence, e.g. your doctor’s written statement, recent physical check up results, past medical records etc. The insurance company will have a medical expert to review your appeal and make a final decision.

Travel tips if you have pre-existing conditions

While traveling abroad, you face higher risk of illness or accident due to change of weather, food, environment, etc. People with pre-existing conditions can take precautions to avoid unexpected illness. 

Get a thorough medical checkup before you travel abroad. Your doctor can give you medical advice about whether you can make a long-distance international travel, how to keep the pre-existing condition under control, and/ or discover hidden medical issues. Your medical check up report might be a good supporting document in case you are denied your claim due to pre-existing condition as a reason.

Bring adequate supply of medicines during travel if you have a pre-existing condition and take medicines to keep the condition stable. Keep medicines in their original, labeled containers.

Usually local pharmacies can not process foreign prescriptions issued by doctors from your home country. If you run out of or lose your medications, you can go to a local health care provider for medical consultation and obtain a prescription to treat your medical condition, or import medicines from your own country. 

Bring your doctor’s prescription and your doctor’s note that explains why you are taking the medicines (better translated into English or the language of the country that you visit). Different countries have different policies on importing medicines. Customs officers of the country you visit may check passengers’ carried medicines, and may confiscate drugs if they are not legally permitted in that country.  

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.