Tokio Marine HCC Medical Insurance Services Atlas International

The Tokio Marine HCC Atlas International is a single-trip travel medical plan available to U.S. and non-U.S. citizens who are traveling outside of their home country, but not within the U.S. 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 maximum medical limit for travelers between the ages 70-79 is $250,000. For travelers 80 years-old or older, the maximum limit is $10,000.

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 U.S. citizens to a maximum of 15 days per three-month period of coverage. If you have an incidental trip back to the U.S. 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
AM Best Rating

Trip Protection

Trip Interruption
Baggage Loss

Pre-Existing Conditions

Lookback 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

Additional Benefits

24-Hour Emergency Assistance
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.

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Ratings and reviews

Our customers rate the Tokio Marine HCC Medical Insurance Atlas International on our site
(4.57) of 5
on average based on 1265 reviews.
A
A.M. Best Rating
A+
Better Business Bureau Rating
This was a short-term no frills plan that suited my needs. As ever, the process of purchasing was simple, clear and communications were excellent.
Catherine K.
The plan was easy to purchase, but I did not file a claim. Therefore it is difficult to rate as I never contacted the company to ask for anything.
Alfred M.
I always call insure my trip and have for over 6 years, and have other relatives and acquaintances call when traveling internationally. Before this, I had two incidents happen with others and I know how hard it is to have someone evacuated/extracted.....
Sheryl R.
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