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Tokio Marine HCC - Medical Insurance Services Atlas Expedition

Now that the coronavirus is a known event, coverage for the U.S. Centers for Disease Control and Prevention (CDC) Travel Warning is no longer available.

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
(4.55) of 5
on average based on 249 reviews.
A.M. Best Rating
Better Business Bureau Rating
We just returned from a Alaska cruise sailing from Seattle. We used the Port Valet service where you leave your bags outside your door on the ship the night before disembarkation. We had four bags tagged with the preprinted SWA luggage tags. The program is free and the bags are supposed to be transported to your home airport. When we got there only three bags. So we filed a missing bag report with SWA. Port Valet said we only checked three bags which is untrue. I called the insurance to file a claim since I was missing my custom made orthopedic shoes in addition to souvenirs from our trip. I was told they were closed and the guy I spoke with would send me a copy of my policy. I have yet to get my bag four days later, but SWA called and found it the evening I arrived home. Apparently, this insurance only covers delayed baggage on the outbound trip. I called on Monday to file a claim, but I am SOL! I can only file a claim if I don't get it back, and the insurance only covers what SWA doesn't since I'd need to file a claim with them first. Make sure you know what your getting before purchasing! I'm glad I didn't have more issues on this trip. I get the feeling this insurance company will do anything it can to avoid paying claims.
Mary F.
Great plan. Only purchased the insurance I needed and nothing more. Will certainly purchase from Tokio Marine HCC again.
Susan R.
It was very easy to purchase this policy on line. The company rep was able to answer my questions thoroughly both times I called. I recommend Tokio Marine and although I did not have a claim, I will use them again for future insurance needs.
Nancy P.
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