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 Acute Onset of Pre-Existing Conditions 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.


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 travel insurance if I have a pre-existing condition?

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

Tips for travelers with Pre-existing conditions


What’s covered?

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 benefit .


If you have a covered acute onset of pre-existing condition, Atlas insurance pays for eligible medical expenses subject to the overall maximum limits set forth in the Schedule of Benefits and Limits. 


As a condition for acute onset coverage, you must obtain treatment within 24 hours of the sudden and unexpected outbreak or recurrence.


If you suffer a life-threatening acute onset of pre-existing condition and local hospital cannot provide the medical treatment you need, Atlas insurance provides Emergency Medical Evacuation benefit that can organize and pay for your transportation to the nearest qualified hospital for life saving medical treatment. Emergency Medical Evacuation benefit for a covered acute onset of pre-existing condition is up to $25,000 lifetime maximum. 

source: Atlas Travel Description of Coverage



Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.


A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required , or expected Medical Care, Drugs or Treatments existent or as Effective at The Necessary Prior, to a Date of coverages . 


ACUTE ONSET OF PRE-EXISTING CONDITION 

YOU ARE COVERED:
1. Charges for a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which: 

a. Occurs when you are under age 80; and

b. Occurs spontaneously and without advance warning either in the form of physician
recommendations or symptoms; and 

c. Is of short duration; and 

d. Is rapidly progressive; and 

e. Requires urgent care. 

YOU ARE NOT COVERED unless you fulfill the following condition:
1. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. 

YOU ARE NOT COVERED IF: 

  1. The Acute Onset of a Pre-existing Condition(s) occurs before the certificate effective date; or 
  2. The pre-existing condition is a chronic or congenital condition or that gradually becomes worse over time; or 
  3. The charges are for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date; or 
  4. Expenses arise directly or indirectly from anything in the General Exclusions. 


source: Atlas Travel Description of Coverage

What’s not covered?

Atlas Travel Medical Insurance does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition subject to the limits set forth in the Schedule of Benefits and Limits.


Atlas insurance does not include coverage for known, scheduled, required , or expected Medical Care, Drugs or Treatments existent or as Effective at The Necessary Prior, to a Date of coverages . 


PRE-EXISTING MEDICAL CONDITIONS

This policy does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition subject to the limits set forth in the Schedule of Benefits and Limits. 

Pre-existing Condition means any 

1. Condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the certificate effective date;

2. Condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the certificate effective date; or

3. Injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the certificate effective date. For the purposes of the Complications of Pregnancy coverage offered hereunder, pregnancy will not be included within the definition of a pre-existing condition


source: Atlas Travel Description of Coverage

Simply put, a pre-existing condition is any medical condition (both diagnosed and undiagnosed) that existed before your insurance becomes effective. Sometimes you know that you have  certain medical conditions, e.g. you are diagnosed with high blood pressure and has been taking medicine for that. Sometimes you may not realize that there are medical conditions that exist and are not diagnosed, but with reasonable medical certainty, medical experts believe that they do exist before your policy effective date, this is also considered pre-existing by the insurance company. 


Atlas insurance  does not cover routine medical care of pre-existing conditions. While traveling abroad, if you see a doctor for general check up, medical consultation or refill prescription medication for your pre-existing medical conditions, this will not be considered as acute onset and will not be covered. 


For example, you have high blood pressure or diabetes, while traveling abroad you visit a local doctor for consultation and get prescription for your medications,  Atlas insurance does not pay for your doctor’s visit and medicines costs. 



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.