Travel Insurance Reviews Tokio Marine HCC Medical Insurance Services
Tokio Marine HCC Medical Insurance Services (formerly MultiNational Underwriters) 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.
Tokio Marine HCC Medical Insurance
Atlas International
I've been using HCC for years. In August I finally had an accident that required a 3-day hospital visit. I had to pay out of pocket almost $3,000 and its now 60 days after my accident and I have not been reimbursed. The company has given me no updates or time frame for this. My accident and treatment were very standard and clearly fall within the guidelines of coverage. It shouldn't take an underwriter more than an hour to see this and approve it.
I can no longer recommend HCC - they are the cheapest so I guess you get what you pay for. I will pay more in the future for a more responsive plan. As a Yoga Teacher, $3000 is a lot of money which I needed to borrow- I thought the entire point of insurance was to be covered when you have an accident....
I am frustrated that people give them such high reviews. Reviews from people who did not file claims aren't an accurate assessment of the company.
UPDATE: As of 11/29 I have not been reimbursed. I was told that my claim was closed because I did send a from that my hospital sent to them on the day of my accident.The front-line reps are very uninformed- many contradicting each other. The last guy told me it was a bad idea to pay my claim myself (I had to to get my passport back from the hospital), which was exactly the advice I received from HCC several months ago.
When an InsureMyTrip rep contacted them directly it was discovered that 2 pieces of paper were 'stuck' together and they would reopen my claim. Very unprofessional.
UPDATE Feb 2 2016
I finally received my claim check. I was reimbursed for the total amount of my claim, minus a deductible and small fee for the exchange rate.
I'm happy about this, however still unhappy about the 5 months it took to be paid. The company sent 4 checks to me that never arrived and after a number of phone calls they finally UPS'd one to me. How can 4 checks get lost in the mail?
Anyway, look elsewhere. I'm currently using IMG Global as they were very responsive to my questions about their policy, however I have not had to file a claim yet.
I can no longer recommend HCC - they are the cheapest so I guess you get what you pay for. I will pay more in the future for a more responsive plan. As a Yoga Teacher, $3000 is a lot of money which I needed to borrow- I thought the entire point of insurance was to be covered when you have an accident....
I am frustrated that people give them such high reviews. Reviews from people who did not file claims aren't an accurate assessment of the company.
UPDATE: As of 11/29 I have not been reimbursed. I was told that my claim was closed because I did send a from that my hospital sent to them on the day of my accident.The front-line reps are very uninformed- many contradicting each other. The last guy told me it was a bad idea to pay my claim myself (I had to to get my passport back from the hospital), which was exactly the advice I received from HCC several months ago.
When an InsureMyTrip rep contacted them directly it was discovered that 2 pieces of paper were 'stuck' together and they would reopen my claim. Very unprofessional.
UPDATE Feb 2 2016
I finally received my claim check. I was reimbursed for the total amount of my claim, minus a deductible and small fee for the exchange rate.
I'm happy about this, however still unhappy about the 5 months it took to be paid. The company sent 4 checks to me that never arrived and after a number of phone calls they finally UPS'd one to me. How can 4 checks get lost in the mail?
Anyway, look elsewhere. I'm currently using IMG Global as they were very responsive to my questions about their policy, however I have not had to file a claim yet.
Keith M. would not
recommend this plan to a friend or relative.
15 of
15 people found this review helpful
Tokio Marine HCC Medical Insurance
Atlas International
It gives one peace of mind.
Marrian M. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
Didn't need the policy, but I guess that's good.
Robert K. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas Multi-Trip
I didn't have to use the insurance so that was good. I'm curious about future trips and whether or not I need to contact you before embarking on them.
George C. would
recommend this plan to a friend or relative.
-
Carol
Thank you for your question. You do not have to notify HCC Medical Insurance or InsureMyTrip when departing on another trip since this is a multi-trip plan effective from 1/17/2016 to 01/15/2017. Please note that coverage is limited to a maximum of 30 days per trip.Jan 28,2016
Tokio Marine HCC Medical Insurance
Atlas International
The policy was taken out at very short notice for my 12 yr old travelling as a 'unaccompanied minor'. Overall very pleased with the overall policy and cost and will most certainly use/recommend InsureMyTrip in the future.
Malikah P. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas America
Well, luckily, I did not use, but I felt protected for my trip.
Jeannette M. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
I'm happy to book an insurance for a good price. I didn't ask for anything, but it´s good to have a minimum cover when I travel.
Luciana L. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
It was good, we didn't have to file a claim or call. You don't really know for sure the quality unless you have to go through the claims process or call them.
Kevin T. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
Didn't need to file a claim, but the plan was comprehensive and very affordable. Would purchase again on future trips.
Craig A. would
recommend this plan to a friend or relative.
Tokio Marine HCC Medical Insurance
Atlas International
Best price around! I wanted simple medical travel insurance for the "just in case", and this was exactly what HCC Medical Insurance provided.
adam h. would
recommend this plan to a friend or relative.
We are pleased to learn that your claim has been paid. Thank you for allowing us to advocate on your behalf.