Tokio Marine HCC Medical Insurance Services

The process for purchasing was easy and I appreciate that they send you the electronic copy of your coverage right away. My husband and I ended up having to file a baggage delay claim. Our luggage did not arrive at our destination until 5 days later. This was during Christmas and New Years so you can imagine how stressful it was for us. The last thing we wanted to do after spending a lot on holiday gifts and vacation was to incur more expenses due to delayed luggage. Since I have the app on my phone I re-read the terms while abroad and that helped me a lot in preparing the claim for example there was a number to call, I learned that I need to first file through the airline before my insurance would cover anything the airline won't pay. So I was able to file for Property Irregularity Report at the airport the same day we lost our baggage. Then got the proof of delivery form after we picked up our baggage. The customer service was helpful in answering my questions. The examiner processed our claim fast. For example, we filed on Jan 4 and sent the additional documents on Jan 8. We got paid on Jan 16. We got reimbursed $410 for all expenses incurred such as toiletries, clothes and shoes we needed while we're waiting for our baggage. Our insurance cost $200 so they are well worth it. I'd definitely recommend them and I will use them again.

I didn't have to use the plan, honestly, but I'm glad I was covered.

Luckily did not have to file a claim, so have no opinion about the above