Travel Insurance Reviews for HCC Medical Insurance Services

HCC Medical Insurance Services (formerly MultiNational Underwriters) was established in 1998 in Indianapolis, Indiana. HCC is a full service organization offering a comprehensive portfolio of international group health, domestic short term and travel medical insurance products designed to address the insurance needs of travelers worldwide.

Learn more about HCC Medical Insurance.

Customers rate HCC Medical Insurance Services plans
(4.56 out of 5)
based on 698 ratings and reviews.
96% of customers would recommend these plans to a friend or a relative.
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Filed claim
HCC Medical Insurance Services Atlas International
My unhappiness is due to the fact that I was only reimbursed for 80% of the total cost of my wife's medical care (I am sure this is stated in the fine print somewhere, but I didn't see it) and it took over a month and a half to receive a response from HCC.
I am not poor and could easily have covered the entire cost of my wife's medical care out-of-pocket. What really annoys me is that I purchased this insurance from you to protect myself against a catastrophic (but extremely unlikely) medical expense, but I now know that due to the 80% rule, I would have been out-of-pocket for $5000, $10,000 or even $20,000, which I definitely could not have afforded.
On a happier note, I called HCC customer service before taking my wife to the doctor, and the person I spoke to was courteous, efficient and knowledgeable.
RALPH D. would recommend this plan to a friend or relative.
30 of 32 people found this review helpful
Coverage
Value
Claims
Satisfaction
Note: This review is for an earlier version of the plan.
  • Debra
    IMT
    Photo
    It does state in the policy how covered claims are paid, please see below. We are happy all went well.

    For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider.
    Jul 23,2012
HCC Medical Insurance Services Atlas International
It's just comforting to know I have insurance if needed
Maria F. would recommend this plan to a friend or relative.
0 of 0 people found this review helpful
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Value
Claims no claim filed
Satisfaction
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Thankfully, I did not need to make a claim,but I am glad I had your insurance.
Michael R. would recommend this plan to a friend or relative.
0 of 0 people found this review helpful
Coverage
Value
Claims no claim filed
Satisfaction
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Easy access and plans were simple to understand and the selection process was a snap.... I'll use this service to cover all my future trips....Referred by Clark Howard's radio show.
William M. would recommend this plan to a friend or relative.
0 of 0 people found this review helpful
Coverage
Value
Claims no claim filed
Satisfaction
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Insurance was good and price was very good for the coverage provided. In case I was injured or my wife injured it was great.
Jack B. would recommend this plan to a friend or relative.
0 of 0 people found this review helpful
Coverage
Value
Claims no claim filed
Satisfaction
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Was easy to purchase at the last minute. Didn't have to use it, but was happy to have had it.
Amy F. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Claims no claim filed
Satisfaction
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Didn't need the coverage, so I was very happy!
Robert D. would recommend this plan to a friend or relative.
0 of 0 people found this review helpful
Coverage
Value
Claims no claim filed
Satisfaction
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Excellent plan, excellent value. Luckily, we didn't need to use it, but will definitely opt for this plan for our future travels!
Robert C. would recommend this plan to a friend or relative.
0 of 0 people found this review helpful
Coverage
Value
Claims no claim filed
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Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
HCC Medical Insurance Services Atlas International
I was glad I purchased trip insurance even though I didn't have to use it...But my mind was at ease knowing that I had it and I would rather be safe then sorry....
Fiona D. would recommend this plan to a friend or relative.
0 of 0 people found this review helpful
Coverage
Value
Claims no claim filed
Satisfaction
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
We have used this company before on a previous trip to the Dominican Republic. I liked the fact that we got some ID cards that we could print & carry with us so that if anything happened, we had proof with us (without bulky paperwork) that we had insurance. We didn't need it, but it was nice to know we had it in case of emergency.
Robert H. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Claims no claim filed
Satisfaction
Note: This review is for an earlier version of the plan.
  • Empty Comment
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