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 Services.
The trip included a
tour
Tokio Marine HCC Medical Insurance
Atlas International
Luckily did not have to file a claim, so have no opinion about the above
Maya G. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
Explain the coverage clearer. This is covered... this is not covered. No legalize, just English.
Then facilitate signing on later.
Then facilitate signing on later.
Aaron C. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Tokio Marine HCC Medical Insurance
Atlas Expedition
I am very dissatisfied with Tokio Marine HCC Medical Insurance Atlas Expedition. 4 of us, women, missed a flight from Louisville Ky to Chicago on May 18, because the Chicago Airport was closed due to weather. Over a three hour period, the Chicago airport opened and closed a few times, so by the time we reached it, our flight to Amsterdam was gone. We could not arrive in Amsterdam, and missed our first day and night of the cruise. United Airlines reimbursed us for purchased clothes and dinner, since luggage didn't arrive for 8 DAYS. All we wanted from our insurance was $264 for a day of cruise missed. My other two companions bought Roam Right, and WERE sent a check. Tokio HHC denied the claim. I would AVOID this company. Thank you.
Rebecca G. would not
recommend this plan to a friend or relative.
-
Michelle A
Thank you for your feedback on the policy. We are sorry to learn of the unfortunate events that occurred during your trip. Acting as your advocate, InsureMyTrip contacted the claims department to assist you with the claim that went unpaid. The representatives informed us that the claim was adjudicated in accordance with the terms and conditions of the policy.
As you and your travel companions purchased different policies this caused the policies to differ in slightly. Unfortunately, the policy you purchased did not have a Missed Connection benefit where your traveling companions policy offered this. The best way to avoid this situation in the future is for traveling companions to purchase with the same provider. Please feel free to call us at 800-487-4722 if you have any questions or concerns.Aug 14,2019
Tokio Marine HCC Medical Insurance
Atlas International
I was lucky not to have had to use this insurance during my trip.
ELSA MURIEL L. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas Expedition
I have used this plan at least 3 times during the last year. On 2 occasions, I had a claim. The folks who process the claims for this company will "slow walk" your claim and ask for a pile of unnecessary documentation before you see your claim paid. However, in each instance, we eventually received the full amount we were entitled to. On one occasion, a customer advocate for InsureMyTrip was extremely helpful in resolving the issue. Bottom line: good coverage, fair price, slow claims servicing.
David F. would
recommend this plan to a friend or relative.
-
Carol
Thank you very much for your 4 1/2 star review of your Tokio Marine HCC Medical Insurance Atlas Expedition policy. We are pleased to hear that you have confidence and will continue to use Tokio Marine HCC for future trips.
You have also been a loyal customer of InsureMyTrip since May 2009. It is not unusual for customers to find the claims process and necessary paperwork cumbersome, but as you discovered, you can call InsureMyTrip at 800-487-4722 to request an Anytime Advocate to expedite the claims process if necessary.Apr 12,2019
Tokio Marine HCC Medical Insurance
Atlas International
I tried to call all possible Numbers in Germany, It did not work.
I tried to send email and they said I should send a letter to an adreds in USA.
So I was sick, in Germany, and to contact them (what was almost impossible) I should send a letter.
I tried to send email and they said I should send a letter to an adreds in USA.
So I was sick, in Germany, and to contact them (what was almost impossible) I should send a letter.
Layane C. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
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Carol
We are sorry to hear that you were dissatisfied with Tokio Marine's 24 hour assistance services. Your policy offers secondary medical coverage outside your home country for a relatively short term basis.
Tokio Marine does not restrict you to a network of medical providers, so you are free to seek medical treatment from any certified medical provider. You should expect to pay out of pocket and receive reimbursement only after your medical claim has first been submitted to a primary health care provider.
Please keep in mind that the following expenses must always be Pre-certified:
ï‚Ÿ Inpatient care
ï‚Ÿ any Surgery or Surgical Procedure
ï‚Ÿ care in an Extended Care Facility
ï‚Ÿ Home Nursing Care
ï‚Ÿ Durable Medical Equipment
ï‚Ÿ artificial limbs
ï‚Ÿ Computerized Tomography (CAT Scan)
ï‚Ÿ Magnetic Resonance Imaging (MRI)
Apparently your injury did not require
Pre-certification or Tokio Marine would have instructed you to:
1. Contact the Plan Administrator at the telephone number contained in the Member’s Certificate as soon as possible before the expense is to be incurred; and
2. Comply with the instructions of the Plan Administrator and submit any information or documents they require; and
3. Notify all Physicians, Hospitals and other providers that this insurance contains Pre-certification requirements and ask them to fully cooperate with the Plan Administrator.
Once again, we apologize that this may not have been fully explained to you during your phone call with the 24 hour assistance service.Nov 21,2018
Tokio Marine HCC Medical Insurance
Atlas International
The plan gave peace of mind. The possibility of getting sick or injured abroad is concerning. Had either of us needed medical care it was good to simply have that available.
Michael G. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
Purchased at the last minute.
Was easy and quick to do.
Was easy and quick to do.
Courtney B. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
We didn't need to use the insurance, but we're glad we had it.
Kenneth N. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
It would be nice to have a mobile app with the plan info, like a card or even an Apple Wallet entry.
Marcelo B. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
However, InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722. We would be happy to answer your questions.