Tokio Marine HCC Medical Insurance Services Atlas Enterprise

The Atlas Enterprise plan, underwritten by Nationwide Mutual Insurance Company, offers the highest coverage limits of the comprehensive plans offered by Tokio Marine HCC. This plan also offers optional benefits, so you can tailor your coverage to best fit your needs. One available option, if all eligibility requirements are met, is Cancel For Any Reason coverage which offers reimbursement up to 75% of your non-refundable trip cost, and allows you to cancel your trip at least two days before departure for something other than a covered reason. This plan does offer a generous number of covered reasons which enable you to cancel your trip and receive full reimbursement of your insured trip cost, but what if something happens that is not on the list of covered perils? Cancel For Any Reason will at least allow you to recoup most of your money, rather than losing it all.

Since this is a comprehensive plan, it also offers other post-departure benefits as well. Some of these benefits are trip interruption, travel delay, baggage loss and delay, emergency medical, and emergency medical evacuation. Another benefit of this plan is that the medical benefits are primary, meaning that you do not have to submit claims through your health coverage first. This could mean less hassle in the event of a claim.

Finally, this plan does offer some unique coverages that are available to residents of most states. For those that have to board pets while traveling, there is coverage if you are delayed on your return home for a covered reason and you incur additional expenses due to boarding your pet for additional days. Also, you may be able to cancel or interrupt your trip if the CDC issues a travel warning for your destination for a period that is during your trip.

Everyone wants their travel plans to go off without a hitch, but having a plan with primary coverage that offers high limits of reimbursement can make things easier in the event there is a hiccup along the way.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Highlighted Coverages

Trip Cancellation
Trip Interruption
Baggage Delay
Pre-Existing Condition Lookback Period
Medical Evacuation

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
U.S. Residents
AM Best Rating


Medical Limit

Accidental Death

24-Hr Full Coverage
Common Carrier
Included in Accidental Death 24-hour
Flight Only


Medical Evacuation

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Optional Coverages

Your Quote

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Ratings and reviews

Our customers rate the Tokio Marine HCC Medical Insurance Atlas Enterprise on our site
(4.68) of 5
on average based on 36 reviews.
A.M. Best Rating
Better Business Bureau Rating
I did not use any of the coverage but felt secure having it .. look forward to using again on my next trip. I hope if I do have a clam, it would be dealt with promptly and appropriately..
Kevin P.
Didn't need to use insurance, but thought the plan provided good coverage.
Steven M.
Finally, the review you've been waiting for! Someone who actually filed a claim. My luggage was lost en route to Casablanca. It was missing for 36 hours, but during that time I was told by my tour leader to prepare for it to be missing for a much longer period. That meant shopping for cold weather / rain gear, slacks, shirts, sweaters, pjs, underwear, sundries. Fortunately, I had purchased a plan that included delayed luggage up to $600. Alas, my expenses were indeed covered -- with the exception of the taxi rides to and from the shopping center (to shop) and airport (to collect my suitcase when it finally arrived -- unlike the US, they do not deliver delayed luggage), which totaled $100. I filed a claim upon return and it was quickly settled, within weeks. I was very pleased and would not hesitate to purchase this product again.
Ann K.
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