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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 $150,000. 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 protection coverage in this plan is baggage protection. It provides coverage of up to $1,000 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

Flight Only
Included in Accidental Death Common Carrier


Additional Benefits

24-Hour Emergency Assistance
Included Benefits
Natural Disaster - Replacement Accommodations ($250/day, 5 day max.)

Political Evacuation - $100,000

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

Please Note: As of Friday, March 27th, 2020, the U.S Centers for Disease Control has issued a GLOBAL Warning Level 3 due to the widespread transmission of COVID-19. As a result of this warning, Atlas Travel plans purchased and/or effective March 28th 2020 or after EXCLUDE charges resulting from COVID-19. Coverage for all other eligible expenses remain in place.

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Ratings and reviews

Our customers rate the Tokio Marine HCC Medical Insurance Atlas America on our site
(4.51) of 5
on average based on 217 reviews.
A.M. Best Rating
Better Business Bureau Rating
we did end up making a claim (on a Sunday afternoon)- they processed it quickly and communicated with the hospital very well.
Katherine R.
The trip I took went well so I didn't have to use the insurance ? but the price was good... Looking forward to use the company next time I need an insurance ?
Alexandru G.
Excellent service. I had made an error on my form and I by mistake paid for x2 persons. I was pleasantly surprised to have Tokyo Marine contact to reimburse me for the 2nd person / over charge. THANK YOU.
Megan H.
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