Tokio Marine HCC Medical Insurance Services Atlas Multi-Trip

The Tokio Marine HCC Atlas Multi-Trip is a multi-trip travel medical plan available to both U.S. and non-U.S. citizens, up to age 75, who are traveling outside of their home country, but not within the U.S.

This multi-trip travel medical insurance plan covers trips up to 30 or 45 days in length per trip. But you can travel several times throughout a period of one year. This plan is ideal for the frequent traveler who takes time to explore and is not nervous about trip cancellation needs.

The Atlas Multi-Trip plan requires you to have primary medical coverage in force to be eligible for coverage. The maximum medical limit for travelers is $1,000,000; this is a lifetime limit for the plan. Unlike some medical plans, this plan also includes coverage for acute onset of a pre-existing condition. This coverage is only available for travelers under the age of 70, but it may give a little more flexibility for medical care while traveling.

If you take several trips during the year, you may also be interested in sports and activities while you are traveling. This plan offers coverage that will give some flexibility for medical care when it comes to any injuries sustained during sports and activities. Check the full certificate for all the details.

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 Summary

Stay healthy while abroad with travel medical insurance for emergencies.

Highlighted Coverages

Pre-Existing Lookback Period

Plan Info

Plan Type
View Certificate
Refund Policy
AM Best Rating
Years in Business
218

Trip Protection

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

Pre-Existing Conditions

Waiver
Lookback Period
Pre-Existing Condition Period

Accidental Death

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

Evacuation

Evacuation from
Evacuation to
Evacuation criteria

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Notes
Natural Disaster Benefit
$250/day
5 Day max.


Political Evacuation
$100,000 max. Lifetime Limit

Crisis Response Benefit
$10,000

Personal Liability Benefit
$10,000




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 Multi-Trip on our site
(4.37) of 5
on average based on 27 reviews.
A
A.M. Best Rating
A+
Better Business Bureau Rating
THEY ARE VERY NICE PEOPLE AND THEY ANSWER ALL YOUR QUESTIONS. HOWEVER THEY DON'T PAY YOUR CLAIMS. I HAVE A DOCTOR'S OFFICE VISIT IN NEW YORK AND THEY DIDN'T EVEN PAY FOR THE PHARMACY EXPENSES. YOU WILL SUBMIT YOUR CLAIMS AND THEY WILL ASK FOR MORE AND MORE INFORMATION. THEY WILL LOSE SOME OF THE INFO AND YOU WILL NEED TO RE-SUBMIT YOUR CLAIM. DO NOT BUY THIS INSURANCE, YOU THINK YOU ARE INSURED BUT YOU ARE NOT.
Alicia L.
We purchased this plan because we were traveling abroad twice - first to Italy and a 12 day cruise in April and then to Norway, Sweden and Denmark the end of August. The day we landed in Oslo Norway we had to take my husband to the hospital because we thought he was having a heart attack. Thankfully, it was not. We traveled the end of August and I am writing this review the first part of November, and we still have not received reimbursement for the medical costs, which should have been covered under this plan. Very poor customer service, no response to phone calls, had to submit the claim forms three times electronically and finally gave up and mailed them in. Would not recommend HCC - Medical Insurance Service Group to anyone!
Eileen L.
We did not have to use the plan, so it was not a good test, but the coverage was there if we needed it.
David P.
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