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.

Customers rated Tokio Marine HCC Medical Insurance
4.55 out of 5
1,456
ratings and reviews
96%
recommended
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Cruise
Filed claim
Tokio Marine HCC Medical Insurance Atlas International
This was the first time we had traveled outside the U.S. since being on a Medicare plan and we wanted the extended coverage for peace of mind. The process couldn't have been easier and the rate was the best I found and had better coverage as well. Following my call and speaking with a rep regarding my questions, I received an email with the benefit coverage listed that I had requested., When I was ready to confirm the coverage, it was as simple as clicking on the link in the email and providing payment info. Glad we didn't need the coverage, but we do not regret buying the plan.
Shirley H. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
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 International
Was a nightmare working with your company. Filing a claim was a horrible process, will be telling people not to go with your company in the future.
Dana P. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    Thank you for your feedback on this policy.

    We were advised that you did contact the claims department on January 20th, 2018 to find out the extent of coverage under this policy after your friend became ill. Unfortunately, you purchased a single trip medical plan with no coverage under Trip Interruption for your prepaid nonrefundable travel expenses even if you decided to return home early. In addition, the medical condition that you noted as being the reason for a claim is a standard exclusion in all travel insurance plans. Although we certainly understand your disappointment, Tokio Marine can only reimburse you within the terms and limitations of your policy.

    Perhaps you will decide to purchase another plan for your next trip. We encourage you to call us for assistance and a detailed explanation of coverage prior to purchasing a plan.

    Please feel free to call us with any questions.
    Jul 24,2018
Tokio Marine HCC Medical Insurance Atlas America
I would buy it again.
Estela L. 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
The trip included a
tour
Tokio Marine HCC Medical Insurance Atlas Expedition
Since I did not have to file a claim, which I am grateful for, my review is in regards to coverage provided and price. I rated the coverage 5 stars since it had all of the coverages I was interested in, especially medical coverage. This policy offered the best option to purchase after paying the initial deposit on my trip in regard to preexisting conditions. Their window was longer than other policies. I rated the coverage 4 stars for price because there were less expensive options but their preexisting medical condition window was shorter. When I went to purchase this coverage I had already passed the date on the less expensive coverage. If you purchase travel insurance and medical is important to you, be sure to purchase as soon as possible after you pay your initial deposit for your trip. The preexisting condition window is very short on these policies.
Teddy B. 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
The trip included a
tour
Tokio Marine HCC Medical Insurance Atlas Expedition
While I did not have to access the plan, it was comforting to know that I had coverage. Two students did have to go to the hospital while there. I hope they had coverage even though costs are quite different in Japan.
Janice M. 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 Expedition
I had a medical emergency while abroad. I contacted Tokio insurance to find where I should go for treatment. They said they would look into it and email me the specifics. Twelve hours later they responded that I was not insured by them so I should go anywhere I wanted. Clearly I was insured as I had the receipt in my hand. After my emergency was settled I contacted them again. This is where they said that because I contacted them outside of regular work hours they did not have access to my recent records. This is a major problem and needs to be resolved. During my medical emergency abroad, Tokio was slow to respond and gave me the wrong information. I will not recommend them
Cole N. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    Thank you very much for your review. It is important for customers to let the providers know of any issues that may require their review. Tokio Marine HCC is always open to feedback from their members to improve their claim process.
    Jul 06,2018
The trip included a
cruise
tour
Tokio Marine HCC Medical Insurance Atlas Expedition
Only way to be sure is by using it but we were fortunate that we didn’t have to
Mauricio A. 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 International
Good communications via email.
Dinyar S. 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
The trip included a
cruise
tour
Tokio Marine HCC Medical Insurance Atlas Expedition
We just returned from a Alaska cruise sailing from Seattle. We used the Port Valet service where you leave your bags outside your door on the ship the night before disembarkation. We had four bags tagged with the preprinted SWA luggage tags. The program is free and the bags are supposed to be transported to your home airport. When we got there only three bags. So we filed a missing bag report with SWA. Port Valet said we only checked three bags which is untrue. I called the insurance to file a claim since I was missing my custom made orthopedic shoes in addition to souvenirs from our trip. I was told they were closed and the guy I spoke with would send me a copy of my policy. I have yet to get my bag four days later, but SWA called and found it the evening I arrived home. Apparently, this insurance only covers delayed baggage on the outbound trip. I called on Monday to file a claim, but I am SOL! I can only file a claim if I don’t get it back, and the insurance only covers what SWA doesn’t since I’d need to file a claim with them first. Make sure you know what your getting before purchasing! I’m glad I didn’t have more issues on this trip. I get the feeling this insurance company will do anything it can to avoid paying claims.
Mary F. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    Thank you for your comments.

    Baggage Delay reimburses you for the increased costs you incur to purchase necessary items because your baggage was delayed. Baggage Delay is only provided on the outgoing trip under all travel insurance plans. Once you return home, you now have access to all necessary items in your wardrobe so there would be no need to incur additional expenses.

    Baggage Loss or Damage reimburses you for your lost or damaged items during the trip. However, you confirmed that the missing baggage was found and returned the next day. If there was some damage or missing items, you could have submitted a claim, but your Baggage coverage is secondary coverage meaning that it would only reimburse in excess of your primary coverage with SWA.

    These terms and conditions are available within the quote prior to purchase. We encourage our customers to call Customer Care at 800-487-4722 for assistance in securing and reviewing quotes.
    Jun 20,2018
The trip included a
tour
Tokio Marine HCC Medical Insurance Atlas Expedition
I purchased this plan as it provided all my needs and fit my budget for this particular trip.
I did not have to file a claim and that is always a blessing.
Thank you.
Harjinder M. 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
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