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
Years in Business
218

Trip Protection

Trip Cancellation
Trip Interruption
Financial Default
Terrorism in Itinerary City
Interrupt for Any Reason
Cancel for Any Reason
Baggage Loss
Baggage Delay
Supplier Default

Pre-Existing Conditions

Waiver
Lookback Period
Pre-Existing Condition 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

Evacuation from
Evacuation to
Evacuation criteria

Additional Benefits

24-Hour Emergency Assistance
Rental Car
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 177 reviews.
A
A.M. Best Rating
A+
Better Business Bureau Rating
Used the pharmacy discount because we used our spanish primary insurance to visit a doctor in las vegas because we needed a colirium for Pink eye. We got a 25 USD saving and the 74 USD cost is being reimbursed, so it's worth to be insured !!
María teresa D.
I have always bought your insurance in the last ten years and fortunately we never had to use until this trip. In July we had a little trouble and when we went to the clinic they tried to file a claim directly to you and they didn't manage to get any feedback so we paid by credit card. Once back in italy we received an email from you saying that this clinic had open a claim to you. We don't expect you to pay then since we already paid . however I wonder if this insurance is a valid choice for next trip since we buy the insurance to cover us if needed but this experience is not indicating this.
marco P.
I would buy it again.
Estela L.
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