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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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Cruise
Filed claim
The trip included a
cruise
tour
Tokio Marine HCC Medical Insurance Atlas International
Did not go on the trip and I could not get a refund on the premium.
Thomas T. 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.
  • Carol
    Photo
    Thank you for your review. However, Tokio Marine HCC does offer a refund if you wish to cancel your policy prior to departure:
    "CANCELLATION --
    We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium.
    Premiums will be refunded in full if a cancellation request is received prior to the certificate effective date.
    Premiums may be refunded after the certificate effective date subject to the following provisions:
    a. A $25 cancellation fee will apply for administrative costs incurred by us; and
    b. Only the unused portion of the plan cost will be refunded; and
    c. You cannot have filed any claims to be eligible for a premium refund."

    If you have any questions, Customer Care is available to assist you by phone at 800-487-4722 Monday - Friday, 7am-12am EST and Saturday - Sunday, 9am-9pm EST.
    Dec 24,2019
The trip included a
tour
Tokio Marine HCC Medical Insurance Atlas International
Other quotes I received were unreasonably priced. I felt I got good value and coverage with this plan.
jason d. 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 didn't need to file a claim, so I can't rate that. The plan did seem reasonable and covered what I wanted though.
Lisa 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
Tokio Marine HCC Medical Insurance Atlas International
What price, piece of mind? Fortunately didn't need to file a claim. Seamless transaction, no complications, very well satisfied, no failed expectations.
Mark G. 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
Too long answers! Didn't help with my problems!!!
Dmitrii B. 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.
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas International
Had no need to use the policy.
Ricky F. 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's actually impossible to write a review with questions like these when I had no issues so didn't have to deal with trip insurance coverage. That would then be a more realistic review. However, I appreciated the simple process, the low cost. However, I think it would have been better to also include coverage for specific belongings and for me to have been able to say, this is how much my belongings are worth.
Sheri 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
Tokio Marine HCC Medical Insurance Atlas International
I filed multiple claims with extensive documentation. They chose to barely communicate with me. Every time I called them on the phone they said they prefer to do communication via postal mail (letters). It took an extremely long time to get any information or decision from them. They generally refused to respond to emails and their phone representatives don't have much information or resources available to them.

In the end they denied most of my claims without reason. They did pay out one of my claims eventually, but they did not notify me about it via email. I just noticed a wire transfer from them my bank statement and contacted them about it and they confirmed it was them. I didn't bother to continue appealing for my denied claims because they take so long to respond and I have better things to do.

Due to very poor communication and customer service, I would not recommend them.
Coleman M. would not recommend this plan to a friend or relative.
6 of 6 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. If you change your mind and decide to appeal your denied claim, please contact us for assistance.
    Nov 14,2019
The trip included a
cruise
tour
Tokio Marine HCC Medical Insurance Atlas International
Fortunately, did not have to actually use it. Just there for peace of mind. As such, cannot review stated coverage and service.
Dennis D. 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
Glad we didn't have to use it.
Dale 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
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