Travel Insurance Reviews 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 who have rated HCC Medical Insurance Services
4.56 out of 5
342
ratings and reviews
94%
recommended
Sort by
Showing
Cruise
Filed claim
HCC Medical Insurance Services Atlas International
Reasonably priced for the coverage you receive. I'll be purchasing it again on my next overseas trip.
Joseph J. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
tour
HCC Medical Insurance Services Atlas International
Since I didn't file a claim, or have to contact anyone, it's not possible to really judge the plan. But the price and coverages are excellent.
Harris N. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
tour
HCC Medical Insurance Services Atlas International
Did not use so no comment.
Patricia Y. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas America
HCC Medical insurance services Atlas America has a very good coverage plan for an excellent price . I was very impressed at the amount of things they covered, although there were certain items that should've been included just to add a bit more security. Overall the service was excellent, all of the information you would need is emailed directly to your email address instantly. This is a fantastic insurance company and I will be using their services again in the near future.
Marvin J. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
HCC Medical Insurance Services Atlas International
I had a health issue, for which I was promptly assigned a case manager who provided support in getting the documentation required for the pre-authorisation of a medical procedure I needed and then for submitting a claim. They took almost 2 months in refunding me, but eventually they refunded me in full, so I'm a happy customer.
Laura C. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
This insurance allowed me to travel without any worries. It was a real peace of mind and affordable. Not having it would just be silly and foolish. Thank you!
Maria G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Zac
    Photo
    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
It gives one peace of mind.
Marrian M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
Didn't need the policy, but I guess that's good.
Robert K. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas Multi-Trip
I didn't have to use the insurance so that was good. I'm curious about future trips and whether or not I need to contact you before embarking on them.
George C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for a plan that is no longer available.
  • Carol
    Photo
    Thank you for your question. You do not have to notify HCC Medical Insurance or InsureMyTrip when departing on another trip since this is a multi-trip plan effective from 1/17/2016 to 01/15/2017. Please note that coverage is limited to a maximum of 30 days per trip.
    Jan 28,2016
Show reviews per page.

Top 5 Provider

  1. GeoBlue
    (4.71)
  2. IMT Services
    (4.69)
  3. Nationwide
    (4.65)
  4. RoamRight
    (4.62)
  5. HTH Worldwide
    (4.62)
  1. RSA Insurance
    (5.00)
  2. GeoBlue
    (4.65)
  3. Travel Insured
    (4.62)
  4. IMT Services
    (4.60)
  5. Travelex
    (4.60)