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 Prescription Drug 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.


If you become ill or are injured while traveling broad and need to seek medical treatment, Atlas Travel Medical Insurance provides medical coverage that pays for eligible medical expenses, including prescription drugs for covered illness or injury, up to the amount indicated in the Schedule of Benefits and Limits. 

What’s covered?

Atlas Travel Medical Insurance covers drugs which require prescription by a healthcare professional for treatment of a covered injury or illness,  for a maximum supply of 60 days per prescription.


If your doctor prescribes medications, you can buy medications at a pharmacy of your choice. Atlas insurance does not restrict your right to select the hospital, physician or other medical service provider. 


At the pharmacy you pay for your medicines. You should ask the pharmacist for an itemized bill that lists all medications with costs. If your health care provider has provided medications during any treatment, make sure you get a bill with itemized costs of any medications provided during the treatment. 


You can file a claim to Tokio Marine HCC-MIS Group to request reimbursement. You will need to attach the original itemized bills to your claim form. The insurance company will reimburse you for eligible expenses that you have paid.


If you are traveling in the U.S., find out more about how to use Atlas Travel Medical Insurance to buy medicines while visiting the United States?



What’s not covered?

Atlas Travel Medical Insurance dos not cover non-prescription drugs. 

Over-the-counter drugs (OTC drugs) are medicines that are sold directly to consumers without prescriptions from healthcare professionals. Atlas Travel Medical Insurance does not cover non-prescription drugs. 

 

If you suffer from a minor ailment such as cough and cold, or small cut, you can purchase OTC medications e.g. Tylenol, cough drops, Band-Aid directly at a pharmacy or a supermarket. You pay for OTC medicines yourself.


Atlas Travel Medical Insurance does not cover prescription drugs for an illness or injury that is not covered by the insurance. 

If you have medical expenses arise from illnesses or injuries that are not covered by Atlas Travel Medical Insurance, e.g. a chronic or pre-existing medical condition, a known and expected medical treatment, or expenses arise from anything in the General Exclusions, then you have to pay for the medical expenses including prescription drug costs yourself.


Atlas Travel Medical Insurance cannot pay for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.

If you lose your prescription medications while traveling, the insurance company can provide assistance to help you to arrange prescription drug replacement. You have to pay for the cost of replacing your medicines. 



Traveling abroad with medicine

If you need to bring prescription or over-the-counter medicines to treat your health problems while traveling abroad, here are some tips:


Before you go, check with the the authorities of the country that you plan to visit whether your medicines are legally permitted in that country. Different countries have different policies on importing medicines.


Bring adequate supply of medicines with you on the trip. 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. 


Bring a copy of your original prescription that includes both generic names and brand names, active ingredients of the medicines, the correct dose to take, and your doctor’s note that explains why you are taking the medicines. Many medications have different brand names in different countries. In case you need to refill medicines while abroad, this information can help the local doctor or pharmacist to find medicines that have the same active ingredients as what you take from your home country.


Bring a list of all the medicines you are taking that includes names, doses and schedules, any allergies or medical conditions you have, as well as contact information of your doctor and/ or pharmacist. In case of a medical emergency, your important medical information can help local health care providers to make better diagnosis and treatment decisions.



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.