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 Trip Interruption 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.

While traveling abroad, if you have to unexpectedly end your trip and return home for a covered reason, Atlas Travel Medical Insurance provides Trip Interruption benefit that pays for a one-way transportation ticket for you to go back to your principle residence, up to the amount indicated in the Schedule of Benefits and Limits. 

The covered reasons for trip interruption benefit include (1) you have had a covered emergency medical evacuation due to illness or injury and your attending doctor states that it’s medically necessary for you to return to your home country, or (2) your principle residence is destructed due to fire or weather, or (3) death of a family member. 



  1. The cost of an economy one-way air or ground transportation ticket for you to the terminal serving the area of your principal residence, and/or
  2. The cost of an economy one-way air and/or ground transportation ticket for you from the area where you were hospitalized following an Emergency Medical Evacuation to the area where you were initially evacuated from or to the terminal serving the area of your principal residence.

YOU ARE NOT COVERED unless you fulfill the following conditions: 

  1. You provide proof of one or more of the following events: destruction, after departure from home country, resulting from fire or weather of more than 40% of your principal residence, or death of a parent, spouse, sibling, child, or grandchild; or
  2. Following a covered Emergency Medical Evacuation, the attending physician states that it is medically necessary for you to return to your home country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery.

1. Expenses arise directly or indirectly from anything in the General Exclusions. 

source: Atlas Travel Description of Coverage

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 ClientZoneemail to service@hccmis.com , or mail to:

Tokio Marine HCC – MIS Group

Box No. 2005

Farmington Hills, MI 48333-2005