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Travel Insurance Reviews Tokio Marine HCC - Medical Insurance Services Atlas International

The Tokio Marine HCC Atlas International is a single-trip Travel Medical plan available to U.S. and non-U.S. citizens who are traveling outside of their home country (but not within the U.S.). This plan offers up to $2,000,000 medical coverage.

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

Customers rated the Tokio Marine HCC Medical Insurance Atlas International plan
4.57 out of 5
1,588
ratings and reviews
96%
recommended
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Filed claim
Tokio Marine HCC Medical Insurance Atlas International
This is the insurance you wouldn't want to get if you are traveling/backpacking overseas. I had to submit my insurance claim forms 3 times through their various customer portal(s) I was given at the time by different customer service reps. They said they hadn't received the forms every time I checked in and I resubmitted and waited till I contacted again. They asked me to wait 30 days at the end of each call, which ended up waiting for 3 months while they were not processing anything. Since I am traveling overseas (hence the travel insurance) I also submitted a wire transfer form so I didn't get paid via check.
Of course when I reached out again, they said they did not receive my wire transfer form and they mailed a check. Several chats and almost 3 months later I got two wire transfers with the help of Insuremytrip rep.
As far as I understood, they were going through a change in their electronic system therefore their service portal was useless. I needed to repeat myself again and again to a new rep in the middle of my travels in Asia.
I would not recommend this insurance to travelers. There are much modern and efficient insurance companies out there.
Asli L. would not recommend this plan to a friend or relative.
4 of 4 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Kyle
    Photo
    Thank you for providing feedback on this policy.

    We are sorry to hear that you experienced difficulties in filing a claim while traveling. We are happy to see that you allowed one of our Claims Advocates to assist you in your claim, which was paid. We have escalated your experience to HCC for further review.

    Please feel free to contact us if you have any questions or concerns. Our licensed representatives are available 7 days a week and can be reached at 1-800-487-4722.
    Nov 10,2017
Tokio Marine HCC Medical Insurance Atlas International
Purchased at the last minute.
Was easy and quick to do.
Courtney 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 International
I wish it were a little less expensive.
Swapnil K. 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
Thanks for making travel insurance affordable and easy to acquire.
Mwate C. 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
It didn't cover my pre-existing conditions, but my conditions do not activate in England's weather. So I felt really good about this package. I might request their services again.
Stephen 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
The trip included a
cruise
tour
Tokio Marine HCC Medical Insurance Atlas International
I didn't have to use the plan so it's hard to comment on their customer service, if procedures would have been covered etc. It seems no provider get good reviews when it comes down to actually filing a claim.

I did like insuremytrip.com for comparing different providers.
JORDAN 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
tour
Tokio Marine HCC Medical Insurance Atlas International
We didn't use the plan so our review lacks details concerning timeliness of payment and other details involved in an actual claim.
this plan offered the best value for the money compared to other available plans
Joseph N. would 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.
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas International
HCC website is like a labyrint, old-fashioned like back in the nineties. Submitting a claim is a pain in the a** and they take the "reasonable" time of one month to process it, not to say that you need to send a separate form to receive a wire transfer instead of a check. Hey, if you didn't notice, we're in year 2017.... please do something about it. Definitely I will never use their service again. I'm a traveller and I need fast and easy process, not to make several international phone call and receive a different answer every time.

Update 17/9/17
Insuremytrip replied to my comment offering support. After more than one month with not even an reply from HCC, I wrote to Insuremytrip's support. Do you think someone came back to me?
Michele D. would not recommend this plan to a friend or relative.
4 of 4 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. We are sorry that you were dissatisfied with your claim experience. We do want you and your fellow customers to be aware that InsureMyTrip offers a Customer Advocate Program. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim. Requesting a Customer Advocate is as simple as calling 800-487-4722 or emailing [email protected], explaining the events which resulted in a claim, and the challenges you are facing.
    Aug 31,2017
The trip included a
tour
Tokio Marine HCC Medical Insurance Atlas International
Very affordable as a supplement for a younger person. Glad I didn't have to use it. Had a great trip knowing it was there.
Gregory 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
tour
Tokio Marine HCC Medical Insurance Atlas International
Didn't have to use it, thank goodness! But having it gave me peace of mind. Cobblestone streets can be challenging. Affordable for an older person.
Lynn 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
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