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Tokio Marine HCC Medical Insurance Services Atlas Expedition

The Atlas Expedition plan is a great option if you are looking for primary coverage while not breaking the bank. For example, in the event you have a covered medical issue while traveling, you can file the claim with this company, rather than having to go through your regular health insurance first.

This plan offers a number of covered reasons that allow you to cancel your trip and receive reimbursement of your insured prepaid, non-refundable trip cost. There are the general covered reasons, such as unforeseen illness, injury or death of you, a traveling companion or family member. This plan also includes unique covered perils such as the CDC issuing a warning not to travel to your destination during the time of your trip. Not ordinarily seen on other plans, but included in this one, is coverage if your arrival is delayed due to a covered reason that causes you to lose more than 50% of your trip. These covered reasons under trip cancellation are available to residents of most states.

Along with trip cancellation, the plan offers many other useful benefits. Trip Interruption offers an additional 50% on top of your covered trip cost which could help to defray additional costs in the event you have to end your trip early, for a covered reason, and get an emergency flight back home. Baggage delay benefits allow reimbursement for necessities purchased when your luggage is delayed by a common carrier for more than 12 hours. Baggage loss, travel medical, emergency medical evacuation, and optional rental car coverage could also come in handy during your travels.

Whether it is a once in a lifetime trip or travels to visit family several states away, it is always a good idea to invest in travel insurance. Insurance can’t stop the unexpected from happening, but it does allow you the peace of mind, knowing that you don’t have to worry about losing your entire investment in the event the unexpected happens.

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

Trip Protection

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


Medical Limit

Accidental Death

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


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 Expedition on our site
(4.53) of 5
on average based on 232 reviews.
A.M. Best Rating
Better Business Bureau Rating
The process for purchasing was easy and I appreciate that they send you the electronic copy of your coverage right away. My husband and I ended up having to file a baggage delay claim. Our luggage did not arrive at our destination until 5 days later. This was during Christmas and New Years so you can imagine how stressful it was for us. The last thing we wanted to do after spending a lot on holiday gifts and vacation was to incur more expenses due to delayed luggage. Since I have the app on my phone I re-read the terms while abroad and that helped me a lot in preparing the claim for example there was a number to call, I learned that I need to first file through the airline before my insurance would cover anything the airline won't pay. So I was able to file for Property Irregularity Report at the airport the same day we lost our baggage. Then got the proof of delivery form after we picked up our baggage. The customer service was helpful in answering my questions. The examiner processed our claim fast. For example, we filed on Jan 4 and sent the additional documents on Jan 8. We got paid on Jan 16. We got reimbursed $410 for all expenses incurred such as toiletries, clothes and shoes we needed while we're waiting for our baggage. Our insurance cost $200 so they are well worth it. I'd definitely recommend them and I will use them again.
Agnes S.
This was the second time I filed a claim with Tokio Marine HCC - both times due to weather, in one case, a typhoon. Although I had some difficulty obtaining what was needed from the airline that cancelled my domestic flight a statement indicating it was due to weather, they accepted the information I found on an airport website that listed all the flights cancelled due to the typhoon. Of course, my flight was listed. I will happily select this company again.
Moshe A.
I never had to use it but it had everything I required!!! I was very satisfied and really glad I had no claim!! First time I have used this company!!
Rebecca B.
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