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Travel Insurance Reviews Tokio Marine HCC Medical Insurance Services

Tokio Marine HCC Medical Insurance Services was established in 1998 in Indianapolis, Indiana. Tokio Marine HCC is a full service organization offering a comprehensive portfolio of international group health, domestic short term travel medical insurance products and comprehensive plans, designed to address the insurance needs of travelers worldwide. Below are travel insurance reviews from travelers like you who purchased a Tokio Marine HCC plan from InsureMyTrip. Read the Tokio Marine HCC reviews to see which plan is right for you.

Learn more about Tokio Marine HCC Medical Insurance.

Customers rated Tokio Marine HCC Medical Insurance
4.57 out of 5
2,040
ratings and reviews
96%
recommended
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Cruise
Filed claim
Tokio Marine HCC Medical Insurance Atlas International
Had no need to use the policy.
Ricky F. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
Tokio Marine HCC Medical Insurance Atlas Expedition
The plan covered what I was looking for. However, I did not have to make a claim so don't know what it would be like to work with the company in the case of a claim.
LINDA J. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas America
Excellent service. I had made an error on my form and I by mistake paid for x2 persons. I was pleasantly surprised to have Tokyo Marine contact to reimburse me for the 2nd person / over charge. THANK YOU.
Megan H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas International
It's actually impossible to write a review with questions like these when I had no issues so didn't have to deal with trip insurance coverage. That would then be a more realistic review. However, I appreciated the simple process, the low cost. However, I think it would have been better to also include coverage for specific belongings and for me to have been able to say, this is how much my belongings are worth.
Sheri H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas Expedition
I presumed incorrectly that a state of emergency and a curfew would be cause for a covered trip cancellation. Apparently this is not considered terrorism.
Katrina M. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    We appreciate your feedback. Although we understand your disappointment, an incident is only defined as terrorism if it is deemed a terrorist act by the United States Government. This is true for all the plans on our website.

    Your Tokio Marine HCC policy specifically states that a "Terrorist Incident means an incident deemed a terrorist act by the United States Government that causes property damage or Loss of life".

    In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.
    Nov 25,2019
Tokio Marine HCC Medical Insurance Atlas Expedition
Good to have this back-up insurance plan to help if we had had to evacuate or needed extra health support while we were away in Peru and Panama. Staff when I signed up were very easy to deal with. Turned out we did not need it, but was still very good to have it available in case of an emergency.
Janice B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Tokio Marine HCC Medical Insurance Atlas Expedition
this was the first time I had ever bought travel insurance and I will never go without it again. I had an unexpected illness that required medical treatment both onboard the ship and in port, including minor surgery on one of the wildest days of my life, a long stop in St. Thomas. thank goodness I had insurance. filing the claim was straight forward mostly, and the responses they gave and the prompt payment sent, made me very comfortable recommending them.
Melinda B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas International
I filed multiple claims with extensive documentation. They chose to barely communicate with me. Every time I called them on the phone they said they prefer to do communication via postal mail (letters). It took an extremely long time to get any information or decision from them. They generally refused to respond to emails and their phone representatives don't have much information or resources available to them.

In the end they denied most of my claims without reason. They did pay out one of my claims eventually, but they did not notify me about it via email. I just noticed a wire transfer from them my bank statement and contacted them about it and they confirmed it was them. I didn't bother to continue appealing for my denied claims because they take so long to respond and I have better things to do.

Due to very poor communication and customer service, I would not recommend them.
Coleman M. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We are sorry that you were dissatisfied with your claim experience. We do want you and your fellow customers to be aware that InsureMyTrip offers a Customer Advocate Program. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim. Requesting a Customer Advocate is as simple as calling 800-487-4722 or emailing customercare@insuremytrip.com, explaining the events which resulted in a claim, and the challenges you are facing. If you change your mind and decide to appeal your denied claim, please contact us for assistance.
    Nov 14,2019
The trip included a
cruise
tour
Tokio Marine HCC Medical Insurance Atlas International
Fortunately, did not have to actually use it. Just there for peace of mind. As such, cannot review stated coverage and service.
Dennis D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas America
Had to go to Urgent Care due to food poisoning. They were able to accept my insurance ID right away so I didn't have to file a claim after the fact. Highly recommended!
Radhika B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
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