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Avoid this plan if you really want to be "insured". I was stuck in a foreign country, since my toddler fell sick (virus that causes breathing difficulty) prior to the return trip. Tokio Marine refused to pay the medical bill and the replacement ticket. The claims website is very obfuscating and pretty hard to figure out how it works. Go with a different company.

I bought Medical Travel Insurance
I had a medical emergency the day before I was to fly home and they identified an infection in my gums that caused immense pain to my temple, eye and ear also.
They extracted my Molar and told me I would be risking possible hospitalisation if I was to fly the next day.
The following Day the pain continued and I returned to the clinic (recommended by Oncall of Tokio Marine) - each step I was reporting to Oncall for their advice and keeping them up to date.
I had a 2nd tooth removed and a Gum Irrigation procedure to treat a gum disease which had infected and was the cause of my pain. It was 21 hours between when the pain began and when I bega treatment.
The Doctor advised there was no way I could fly for 48-72 hours after all that had been done and provided Certification.
I advised Oncall (Tokio Marine) with the claim reference number they had issued on the first phone call, they told me to advise the airlines immediately of the 2 international flights I had later that day.
1 day later I called Oncall to see what other documents I needed to present to activate my insurance, they said they are only a 3 es party service provider and would have to speak with the administrator of the policy (Tokio Marine). I asked them to send the information filed under my claim number but they said they had no information at all.
I spoke to Tokio Marine they said I needed to fill out their online application to start the claim. I asked about my flights and spending money as I am visually impaired (legally blind - 25% overall vision and complete loss of central vision) they said that any claim would not be analizas until the online application and relevant documents had been received and then 48-72 hours for them to enter system.

I spent 9 hours ina Staples store being assisted to scan and print emails as PDF documents of receipts paid for dental treatment, travel to and from clinic, flights and over the course of 2 days was able to submit the online claim. - nearly 200 pages in total with all email and sms correspondance of the information I had been given and my updates.
I then rang Tokio Marine to see that they had received my claim and they said it would not be into system for 48-72 business hours (I believe she meant 2-3 business days) I then explained that I was urgently needing money to change flights and have personal funds until first flight available in 3 days. They said it was impossible and would take 35-40 days to analiza the claim and they would communicate with me.
Am stuck in Miami, waiting to return to South America, made contact with an old client (by luck) who emptied out a deposit for me to be able to sleep in.
I am working in his factory 4-6 hours a day to have enough money to eat until my flight out, with my visual impairment.
Overall, EXTREMELY disappointed should NOT call it Travel Insurance. Paid extension
Go to hospital and let them evacuate you, do not try avoid costa for insurer, they do not think of you.

My dad got a seizure and was interned in the ER of a major hospital in Houston. The final bill came to over $70K, and this insurance didn’t pay a penny.

Awful insurance company.

They have zero customer service.
Their website is awful and doesn't work.
It's even almost impossible just to register on their website and to even login.

Then the claim process is hell, and when they finally come to a conclusion for a claim, they literally don't even inform you. No message, no email, no phone call. Nothing.

Absolutely the worst of the worst.

Awful company.

They have zero customer service. Zero.

So their claim procedure, takes like 2-3 months.

Then after that, they don't even inform you the result. You have to manually login yourself to their website , which never works.

On top of all that, they also never settler their claims.

They must have a 10% settlement rate or something.

Absolutely awful. Not recommended.

Absolutely a waste of money. My husband almost died on our trip and the insurance was a big fat FAILURE. Support and customer service was completely lacking. Don't waste your time or money. Did not pay for ANYTHING, but kept interfering with his care. Even denied the coverage for hotel room to be at his bed side.....clearly spelled out in the policy. What a complete waste.

What an awful company. They got zero customer service, and I don't think they care at all.
Their attitude is just whatever.

So, I've got a claim back in October. I submitted it to them in early November.
2 months later, I hear nothing from them. I had to login myself to their messy website.
There's zero communication from them. Zero.

So I logged, in, went to the claims section, and there's t he PDF with the claim outcome PDF.
I click on it. and what does it say? Denied! I had minor medical expenses under 900 USD.

In their reason for denying the claim says, " We could not contact the hospital to confirm the expenses." Are you kidding me? I'm sure they called the hospital once, and that's all, denied the claim.

By the way in two months, nobody contacted me, not even an email, or even a notice of anything.

It's absolutely ridiculous.

Stay away from this fraudulent company!

This company is ridiculous and soooo shady. Just check out the other reviews.
They look like reviews made by bots/ai and they give 5 starts all the time.

In reality this company is a fraud absolutely.


First of all they have zero costumer service, zero. They don't reply to emails or messages sent to them. Then, the whole claim process is ridiculous. After you submit the claim, there's zero communication. Nobody tells you what happened. I mean, how difficult is it, to send an automated message to your email address?? Like (Claim outcome finalized) They can't even do that. You have to manually login yourself and check the limbo that's their website.

Then about the cover. WOW.

This is my first policy ever with this company. They checked my papers for 7 days, then they denied.
Without even reaching out to me, not one email, not one phone call nothing. They are not even specific about why the claim was denied.

According to them, in their final claim document. It says" Claim denied, reason, " Unable to contact the hospital, or to confirm that the insured was at the hospital".

What? Are you kidding me??? I bet they called the hospital once, nobody answered and that's all, close the claim. This is ridiculous. Also nobody ever tried to contact me. I could supply more documents if needed.

But, they outright denied the claim, and that's all.


This company is a joke, stay away from them. Literally they offer zero coverage.


Absolutely horrible experience with them.