Tokio Marine HCC - Medical Insurance Services

Let me state first, this company FINALLY paid my claim but it was after the battle. After providing every verification they requested, I was asked again and again for something else. It Took MONTHS to get paid.

Due to COVID19 I could not do my trip to Brazil. I contacted customer service and was asked to submit my flight cancellation documentation. I did that and then got another request asking my for a copy of all the pages in may passport so that they could have irrefutable evidence that I had not been to Brazil. I wrote back stating that I am a dual citizen (Brazil and US) and that even if I had taken the trip to Brazil, my Brazilian passport would show no entry or exit stamp since for Brazilian citizens the immigration process is fully automated and no stamps are placed on the passport. At the end, no refund or offer to provide me a credit for future trips is what I was told. Very unfortunate that a global company like Tokyo Marine has not updated their internal customer support policies to account for the fact that there are many dual citizens in the world who are frequent travelers who do not fit their mode. No more Tokyo Marine insurance purchases from me any more. And since I am a frequent buyer of travel insurance, I will certainly make sure to share my experience with all my other fellow globe trotters.

My dad got a seizure and was interned in the ER of a major hospital in Houston. The final bill came to over $70K, and this insurance didn’t pay a penny.