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.  

What Does Atlas Travel Medical Insurance Cover for International Travelers?

Atlas Travel Medical Insurance   is a visitor health insurance policy designed to provide medical and travel benefits, as well as emergency travel assistance to take the risk out of international travelers outside of their home countries. Atlas travel insurance provides worldwide coverage. It is available to individuals, families, and groups from over 180 countries. You get access to quality care and are protected against the costs that can incur from unexpected medical and/ or travel emergencies.



Key features of Atlas  Travel Medical Insurance include:


  • Eligible medical and dental expenses of covered injury or illness,
  • Eligible expenses for unexpected travel events such as Trip Interruption, Natural Disaster, Lost Luggage and more, 
  • Emergency Medical Evacuation that provides emergency air and/or ground transportation to send a patient with life-threatening condition to nearest qualified hospital, 
  • Payment for Accidental Death & Dismemberment (AD&D) or Common Carrier Accident Death, 
  • 24/7 global assistance services


For Medical and Travel Benefits, if you are under age 70, you may select the Overall Maximum Limit ranging from $50,000 to $2 million U.S. dollars per certificate period per person. For members age 70 to 79,  you may select the Overall Maximum Limit from $50,000 to $150,000. Atlas Travel insurance offers coverage for applicants age 80 and over with a $10,000 or $20,000 policy maximum.


For Emergency Medical Evacuation expenses, Atlas insurance pays up to $1 million US dollars lifetime per certificate period per person, not subject to overall maximum limit. 


For Accidental Death & Dismemberment, Atlas insurance pays up to $ 25,000 (travel plan) or $100,000 (premium plan) per person.  For Common Carrier Accident Death , Atlas insurance pays up to $ 50,000 per person. These benefits are not subject to overall maximum limit. 


Atlas travel insurance provides worldwide coverage. If you travel to more than one country, you will be covered with the same benefits outside of your home country.


Medical Benefits

If you experience an unexpected illness or injury while traveling abroad and need to seek medical treatment, Atlas travel insurance covers eligible medical expenses under benefits. 


The covered medical expenses include treatment in doctor's offices,  treatment in emergency room or urgent care centers, hospitalization, surgery, intensive care unit, radiology services, laboratory services, prescription drugs, emergency dental treatment or surgery, local ambulance, and other eligible medical costs. More about Atlas Travel Medical Insurance Medical Coverage


Atlas travel insurance includes coverage for eligible medical expenses of acute onset of pre-existing conditions , complication of pregnancy , sports and activities , injury or illness resulting from terrorism. These benefits are included in the policy at no additional cost.


In some cases, the insurance pays your family’s Bedside Visit, the expenses of Return of Minor Children or Pet Return when you are hospitalized.


Atlas Travel Medical Insurance comes with key exclusions that do not qualify for coverage under this plan. You are not covered if expenses arise from anything in the General Exclusions.


In the event of a medical emergency, you are free to go to doctors, hospitals, or other health care providers of your choice. You have access to an international provider network that include hospitals and doctors throughout the world. More about how to use Atlas travel medical insurance to get medical care while traveling abroad


If you travel to the United States, you have access to Preferred Provider Organization (PPO) networks of doctors and hospitals that covers all 50 states in the USA. More about How to use Atlas America Insurance if you need medical care while visiting the United States?


Emergency Medical evacuation 

If the patient is in a covered medical emergency that would result in the loss of your life or limb, the insurance company will organize air/ ground transportation to send the patient to the nearest hospital qualified to treat your life-threatening condition. 


Following emergency medical evacuation, Atlas travel insurance provides Emergency Reunion benefit that will cover the transportation and reasonable lodging/ meal costs of one relative of yours to where you are hospitalized, so that you can get family support in this difficult situation. 


In some cases, if the attending physician and the insurance company’s medical consultant agree that transfer the patient to his/her home country is more appropriate than transfer to the nearest qualified hospital, the insurance will pay expenses to return the patient to home country. 


More about What is Covered Under Emergency Medical Evacuation Benefit.


Travel Benefits

Atlas travel medical insurance includes essential travel benefits, such as lost checked luggage ,  travel delay , trip interruption , natural disaster , political evacuation , crisis response , personal liability , lost or stolen passport/ travel visa , border entry protection , and more. Atlas travel insurance will reimburse you for eligible expenses.


In the unfortunate event of a member who dies due to accident while riding on a common carrier (airline or cruise line), your designated beneficiary will receive Common Carrier Accident Death benefit. In the event of a member who dies or lost limbs/ eyes due to a covered accident, the insurance will pay Accidental Death & Dismemberment benefit to you or your designated beneficiary.


For the covered death, Atlas insurance will arrange and pay the Repatriation of Remains back to your home country, or Local Burial or Cremation.  


Travel and Medical Assistance Services

Atlas travel medical insurance provides free access to its Customer Service Center, available in multiple languages 365 days a year. 


If you have a medical or travel emergency, Travel and Medical Assistance Services can help you with health care provider referrals, medical monitoring, prescription drug replacement, dispatch of physician/ nurse, translation & interpretation, and more.


You can  manage your personal insurance account online through ClientZone. You can view your insurance coverage information, find a health care provider, file claims and check the status of your claim, download forms, cancel or extend policy, update your personal information, contact HCC-MIS Customer Service, and more.




What is Atlas Travel Medical Insurance?

What medical and travel benefits are covered?

How much does Atlas travel medical insurance cost?

How to use Atlas travel insurance to get medical care while traveling abroad?