Travel Insurance Reviews for HCC Medical Insurance


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 978 ratings and reviews.
96% of customers would recommend this plan to a friend or a relative.
Thailand
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HCC Medical Insurance Services Atlas International
I've been using HCC for years. In August I finally had an accident that required a 3-day hospital visit. I had to pay out of pocket almost $3,000 and its now 60 days after my accident and I have not been reimbursed. The company has given me no updates or time frame for this. My accident and treatment were very standard and clearly fall within the guidelines of coverage. It shouldn't take an underwriter more than an hour to see this and approve it.

I can no longer recommend HCC - they are the cheapest so I guess you get what you pay for. I will pay more in the future for a more responsive plan. As a Yoga Teacher, $3000 is a lot of money which I needed to borrow- I thought the entire point of insurance was to be covered when you have an accident....

I am frustrated that people give them such high reviews. Reviews from people who did not file claims aren't an accurate assessment of the company.

UPDATE: As of 11/29 I have not been reimbursed. I was told that my claim was closed because I did send a from that my hospital sent to them on the day of my accident.The front-line reps are very uninformed- many contradicting each other. The last guy told me it was a bad idea to pay my claim myself (I had to to get my passport back from the hospital), which was exactly the advice I received from HCC several months ago.

When an InsureMyTrip rep contacted them directly it was discovered that 2 pieces of paper were 'stuck' together and they would reopen my claim. Very unprofessional.

UPDATE Feb 2 2016

I finally received my claim check. I was reimbursed for the total amount of my claim, minus a deductible and small fee for the exchange rate.

I'm happy about this, however still unhappy about the 5 months it took to be paid. The company sent 4 checks to me that never arrived and after a number of phone calls they finally UPS'd one to me. How can 4 checks get lost in the mail?

Anyway, look elsewhere. I'm currently using IMG Global as they were very responsive to my questions about their policy, however I have not had to file a claim yet.
Keith M. would not recommend this plan to a friend or relative.
5 of 5 people found this review helpful
Coverage
Value
Claims
Satisfaction
Note: This review is for an earlier version of the plan.
  • Zac
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    Thank you for your feedback on the policy. We have forwarded this review to HCC Medical Insurance Services.

    We are pleased to learn that your claim has been paid. Thank you for allowing us to advocate on your behalf.
    Feb 12,2016
HCC Medical Insurance Services Atlas International
I would have preferred a notice that my HCC Medical Insurance Services plan was about to expire. I even asked for a reminder and was told that I would be reminded... but never was.
Donald M. would recommend this plan to a friend or relative.
Coverage
Value
Claims no claim filed
Satisfaction
Note: This review is for an earlier version of the plan.
  • Carol
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    Thank you for letting us know that you never received your renewal notice from HCC Medical Insurance. The company does automatically send emails notifying their Insureds of their upcoming expirations. HCC did confirm that the notice was sent to your email used to purchase the policy. Unfortunately the notice must have been misdirected to a spam or junk mail folder. Once again, we apologize for any inconvenience that this may have caused and hope that you will continue to purchase from us in the future.
    Dec 06,2015
HCC Medical Insurance Services Atlas International
As a former health and life insurance broker for 10 years I knew what types of travel plans to look at when I chose to quit my job and travel. I have purchased various travel plans over the years and since I quit to travel nearly consistently 3+years ago I continue to go back to the top carriers that I am familiar with. Each year I either purchase HCC or IMG since I know they are strong, reputable companies that PAY THEIR CLAIMS. As an agent I spoke to many happy clients that not only purchased travel coverage from these companies but also had to use them. Although medical care is drastically cheaper in countries outside of the US, I still chose to purchase a 1 million benefit and just raise the deductible ($500-1k) to lower the cost as I would recommend for anyone that is more concerned with asset protection. This year I have some diving and climbing plans so I chose HCC since my plans fit within their Exclusions and Limitations and I did not need to spend the extra for the Adventure/Sports rider with IMG.
Heather W. would recommend this plan to a friend or relative.
10 of 11 people found this review helpful
Coverage
Value
Claims no claim filed
Satisfaction
Note: This review is for an earlier version of the plan.
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