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Tokio Marine HCC Medical Insurance Services Atlas America

The Tokio Marine HCC Atlas America is a single-trip travel medical plan available to non-U.S. citizens who are traveling outside of their home country and coming to the United States. Your primary health insurance may not fully cover you while you are traveling abroad, and this plan can help to fill in those coverage gaps.

You are able to customize your plan by selecting the medical limit that best fits your needs. The available medical limits are $50,000; $100,000; $250,000; $500,000; $1,000,000 and $2,000,000. The limit options are a bit more restrictive for older travelers. The maximum medical limit for travelers between the ages 70-79 caps at $250,000. Travelers 80 or older will find the maximum limit is $10,000. There are several deductible options to choose from to best fit your budget.

Trip interruption benefits can help with the cost of an economy one-way air or ground transportation back home. Covered reasons for trip interruption are destruction to more than 40% of your principal residence by fire or weather (after departure from home country) as well as the death of a parent, spouse, sibling, child or grandchild. Another travel-related coverage in this plan is baggage protection. It will cover up to $500 dollars (up to $50 per item) for replacement of clothes and personal hygiene items if your bag is lost during transit.

Incidental Home Country Coverage is available to non-U.S. citizens or residents to a maximum of 30 days per three-month period of coverage. If you have an incidental trip back to your home country and incur medical expenses during that time, this benefit may be necessary.

This plan also provides coverage for a natural disaster. The natural disaster benefit can help to defray the cost of replacement accommodations in the event you are displaced from planned, paid accommodations due to evacuation from a forecasted disaster or following a disaster strike.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Info

View Certificate
Refund Policy
AM Best Rating

Trip Protection

Trip Interruption
Baggage Loss

Pre-Existing Conditions

Lookback Period

Accidental Death

24-Hr Full Coverage
Up to $50,000 [varies by age]

Accidental Death and Dismemberment Rider
$100,000 max. Lifetime Limit (+$)
Flight Only
Included in Accidental Death - Common Carrier

Evacuation

Additional Benefits

24-Hour Emergency Assistance
Notes
Natural Disaster Benefit
$250/day
5 Days max.


Political Evacuation
$100,000 max. Lifetime Limit

Crisis Response Rider
$100,000 max. (+$)

Personal Liability Rider


If the proposed insured is physically located in the state of MD, NY, or WA, then the purchase of this policy is prohibited.

Your Quote

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Ratings and reviews

Our customers rate the Tokio Marine HCC Medical Insurance Atlas America on our site
(4.50) of 5
on average based on 189 reviews.
A
A.M. Best Rating
A+
Better Business Bureau Rating
The plan I bought was satisfactory, and I would buy it for the same purpose in future. However, the purchase process was very difficult, much harder than it used to be. I have used insuremytrip for at least 15 years, with very few problems. This time, I tried and failed to pay with two different credit cards, both were refused. Finally had to make expensive call From New Zealand to USA to get cover, with a third credit card! On arrival in U.K. I found one of the credit cards I had tried (and failed) to pay with had been blocked due to suspicious activity. It was all rather frustrating.
Colin K.
Issue were resolved but took a long time to process...
GEETHA M.
Did not use it, so I can't give any opinion on client assistance.
Manuela D.
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