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Travel Insurance Reviews Tokio Marine HCC Medical Insurance Services Atlas Expedition

The Atlas Expedition is a great option if you are looking for primary coverage without breaking the bank. In addition, this plan offers trip cancellation and interruption benefits, travel delay, emergency medical, emergency medical evacuation to reimburse you in the event one of many covered issues causes a disruption during your trip. Below are reviews for this particular plan by travelers just like you who purchased their plan from InsureMyTrip.

To learn more, see the Tokio Marine HCC Medical Insurance Atlas Expedition product page.

Customers rated the Tokio Marine HCC Medical Insurance Atlas Expedition plan
4.53 out of 5
232
ratings and reviews
94%
recommended
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Filed claim
Tokio Marine HCC Medical Insurance Atlas Expedition
The process for purchasing was easy and I appreciate that they send you the electronic copy of your coverage right away. My husband and I ended up having to file a baggage delay claim. Our luggage did not arrive at our destination until 5 days later. This was during Christmas and New Years so you can imagine how stressful it was for us. The last thing we wanted to do after spending a lot on holiday gifts and vacation was to incur more expenses due to delayed luggage. Since I have the app on my phone I re-read the terms while abroad and that helped me a lot in preparing the claim for example there was a number to call, I learned that I need to first file through the airline before my insurance would cover anything the airline won't pay. So I was able to file for Property Irregularity Report at the airport the same day we lost our baggage. Then got the proof of delivery form after we picked up our baggage. The customer service was helpful in answering my questions. The examiner processed our claim fast. For example, we filed on Jan 4 and sent the additional documents on Jan 8. We got paid on Jan 16. We got reimbursed $410 for all expenses incurred such as toiletries, clothes and shoes we needed while we're waiting for our baggage. Our insurance cost $200 so they are well worth it. I'd definitely recommend them and I will use them again.
Agnes S. would 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.
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas Expedition
This was the second time I filed a claim with Tokio Marine HCC - both times due to weather, in one case, a typhoon. Although I had some difficulty obtaining what was needed from the airline that cancelled my domestic flight a statement indicating it was due to weather, they accepted the information I found on an airport website that listed all the flights cancelled due to the typhoon. Of course, my flight was listed. I will happily select this company again.
Moshe A. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
Tokio Marine HCC Medical Insurance Atlas Expedition
I never had to use it but it had everything I required!!! I was very satisfied and really glad I had no claim!! First time I have used this company!!
Rebecca 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
After buying insurance for years, I had two claims with this company this year. Both times, they tried to not pay and made it difficult to collect on my trip delays.
The first time they didn't pay $60, because they try to figure out ways not to pay. The next they did not pay, as even though I was clearly delayed, they found a way to exclude the amount I had to pay to get home.

The second time they made me call repeatedly to get explanations.
It really makes me wonder whether getting insurance to cover Trip Delay is worth it.
Harlan L. 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.

    Your policy includes the following coverage:

    "TRIP DELAY
    The Company will reimburse You for Covered Expenses, up to 200USD per day with a 750USD maximum, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.
    Covered Expenses:
    (a) Any Additional Expenses incurred;
    (b) An Economy Fare from the point where You ended Your Trip to a destination where You Receipts and documentation are required to support a claim."

    If you feel your claim was denied unfairly and you met the above terms, please call us at 800-487-4722 and request assistance. InsureMyTrip offers a Customer Advocate program. Customer Advocates contact the insurance providers on the customers behalf in an effort to resolve claim issues.
    Dec 16,2019
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
Note: This review is for an earlier version of the plan.
  • 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.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • 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
Note: This review is for an earlier version of the plan.
  • 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.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas Expedition
good plan
Raza H. 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
Tokio Marine HCC Medical Insurance Atlas Expedition
We had a great trip with no need to make a claim, but we knew it was there if we needed it.
Nancy 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
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