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 after your trip has started, due to a covered reason you are delayed for 12 hours or more and require an unplanned overnight stay, Atlas Travel Medical Insurance provides Travel Delay benefit that pays for cost of reasonable accommodations and meals, up to the amount indicated in the Schedule of Benefits and Limits. The expenses over the daily limit and maximum limit will be your own responsibility.
The covered reasons for Travel Delay benefit include delay of common carrier (e.g. airline, bus), a traffic accident, organized labor strike, lost passport or travel document, being hijacked or quarantined etc.
You need to provide police report, common carrier’s certificate, or doctor’s notes (for being quarantined) as supporting documents when you file a claim. You can call Tokio Marine HCC-MIS Group Customer Service Center for help and confirm what supporting documents are required.
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 ClientZone, email to firstname.lastname@example.org , or mail to:
Tokio Marine HCC – MIS Group
Box No. 2005
Farmington Hills, MI 48333-2005