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.
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.
The trip included a
cruise
Tokio Marine HCC Medical Insurance
Atlas Enterprise
Purchased this plan after shopping around. Thank goodness we didn’t need to use it but we had the peace of mind knowing it was there if needed. Purchase was seamless and documents send quickly via email. Would definately use again.
David H. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
Did not have claim but had peace of mind while traveling out of country.
Alicia B. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
Good plan for my needs. Fortunately I have never had to use it. This is my third experience using their health insurance.
Elizabeth L. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
Litmus test for any substantive opinion would be if there was a need to make a claim. However in terms of ease of purchase on line and peace of mind, full marks.
Ngatia H. would
recommend this plan to a friend or relative.
The trip included a
cruise
Tokio Marine HCC Medical Insurance
Atlas International
Needed a last minute plan for medical coverage only since we already arrived at the port for the cruise. Easy and simple to purchase. A good peace of mind since we saw another person on the ship get evacuated at one of the ports in Mexico due to a heart attack. We hoped and prayed that they were ok and they had insurance. Medical care and flight to mainland US could be as high as $100,000 dollars.
Matthews M. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Tokio Marine HCC Medical Insurance
Atlas International
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.
Prasanna K. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
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Michelle A
Thank you for your review. We are sorry to learn about child's illness. Upon speaking with the insurance provider it appears the medical claim was paid, subject to the deductible selected on the policy. In terms of the trip interruption claim, it appears the reason for interrupting the trip, although serious, was not related to a listed covered reason, per the certificate. You do have the right to appeal the claim, and the link to proceed with the appeal was provided by the insurance provider. In the future we encourage you, and all customers, to call us prior to purchasing the insurance and we can assist you with purchasing a policy based on your primary concerns. To speak with one of our licensed representatives, please call us at 800-487-4722. We are open 7am to Midnight EST Monday through Friday and 9am to 9pm EST Saturday and Sunday.Apr 03,2019
Tokio Marine HCC Medical Insurance
Atlas International
The most important parts were loss of luggage, cancellation of trip, and medical coverage while abroad. We did not experience any of these conditions but it was comforting thought that should something like this happen we were covered.
Suresh B. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
We needed 'last minute' out of the US medical coverage for an inexpensive trip to Mexico. The insurance gave us peace of mind.
Sharlyn S. would
recommend this plan to a friend or relative.
The trip included a
cruise
Tokio Marine HCC Medical Insurance
Atlas International
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.
Nancy G. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
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Carol
After advising the insurance provider on this review, Tokio Marine HCC (TMHCCMIS) contacted the insured. One of the insureds had a medical emergency for which TMHCCMIS paid the air ambulance bill. However, in order to determine if the medical bills were covered under the policy, TMHCCMIS needed additional information from the insured, so they reached out directly to the insured to obtain this information.Jul 22,2019 -
Carol
We also received the following update from the insured:
"Just to follow up on previous complaint about the insurance I purchased. I realize you are the broker and not the actual insurer.
But finally after 7 months they have reviewed my case and agreed it was handled wrong. They will be reimbursing me for the portion they denied earlier for cost to be at bed side. They agree that they will pay the cost of the onboard medical (they just need a copy of my insurance denial), and will reimburse me for my out of pocket medical expenses for 2018 and 2019.
Although I am grateful for that at a time when my husband was literally hanging to life and supported 100% on mechanical life support and now on heart transplant list is not when you want to fight these battles.
At least the company is using my situation for training on how to manage and what they do for such extreme cases as ours."Jul 22,2019 -
Carol
Thank you for your continued feedback. Although we are pleased to hear that HCC has paid your claim, we regret to hear that you had so many issues with this claim while going through such a critical time. We wish you and your husband best wishes for the new year.Nov 25,2019
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.