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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
4.58 out of 5
1,467
ratings and reviews
96%
recommended
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Cruise
Filed claim
Tokio Marine HCC Medical Insurance Atlas International
Litmus test for any substantive opinion would be if there was a need to make a claim. However in terms of ease of purchase on line and peace of mind, full marks.
Ngatia 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 International
Needed a last minute plan for medical coverage only since we already arrived at the port for the cruise. Easy and simple to purchase. A good peace of mind since we saw another person on the ship get evacuated at one of the ports in Mexico due to a heart attack. We hoped and prayed that they were ok and they had insurance. Medical care and flight to mainland US could be as high as $100,000 dollars.
Matthews M. 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
Avoid this plan if you really want to be "insured". I was stuck in a foreign country, since my toddler fell sick (virus that causes breathing difficulty) prior to the return trip. Tokio Marine refused to pay the medical bill and the replacement ticket. The claims website is very obfuscating and pretty hard to figure out how it works. Go with a different company.
Prasanna K. 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.
  • Michelle A
    Photo
    Thank you for your review. We are sorry to learn about child's illness. Upon speaking with the insurance provider it appears the medical claim was paid, subject to the deductible selected on the policy. In terms of the trip interruption claim, it appears the reason for interrupting the trip, although serious, was not related to a listed covered reason, per the certificate. You do have the right to appeal the claim, and the link to proceed with the appeal was provided by the insurance provider. In the future we encourage you, and all customers, to call us prior to purchasing the insurance and we can assist you with purchasing a policy based on your primary concerns. To speak with one of our licensed representatives, please call us at 800-487-4722. We are open 7am to Midnight EST Monday through Friday and 9am to 9pm EST Saturday and Sunday.
    Apr 03,2019
Tokio Marine HCC Medical Insurance Atlas International
The most important parts were loss of luggage, cancellation of trip, and medical coverage while abroad. We did not experience any of these conditions but it was comforting thought that should something like this happen we were covered.
Suresh 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
Tokio Marine HCC Medical Insurance Atlas International
We needed 'last minute' out of the US medical coverage for an inexpensive trip to Mexico. The insurance gave us peace of mind.
Sharlyn 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
Tokio Marine HCC Medical Insurance Atlas International
Absolutely a waste of money. My husband almost died on our trip and the insurance was a big fat FAILURE. Support and customer service was completely lacking. Don't waste your time or money. Did not pay for ANYTHING, but kept interfering with his care. Even denied the coverage for hotel room to be at his bed side.....clearly spelled out in the policy. What a complete waste.
Nancy G. 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
    After advising the insurance provider on this review, Tokio Marine HCC (TMHCCMIS) contacted the insured. One of the insureds had a medical emergency for which TMHCCMIS paid the air ambulance bill. However, in order to determine if the medical bills were covered under the policy, TMHCCMIS needed additional information from the insured, so they reached out directly to the insured to obtain this information.
    Jul 22,2019
  • Carol
    Photo
    We also received the following update from the insured:

    "Just to follow up on previous complaint about the insurance I purchased. I realize you are the broker and not the actual insurer.

    But finally after 7 months they have reviewed my case and agreed it was handled wrong. They will be reimbursing me for the portion they denied earlier for cost to be at bed side. They agree that they will pay the cost of the onboard medical (they just need a copy of my insurance denial), and will reimburse me for my out of pocket medical expenses for 2018 and 2019.

    Although I am grateful for that at a time when my husband was literally hanging to life and supported 100% on mechanical life support and now on heart transplant list is not when you want to fight these battles.

    At least the company is using my situation for training on how to manage and what they do for such extreme cases as ours."
    Jul 22,2019
The trip included a
cruise
tour
Tokio Marine HCC Medical Insurance Atlas International
Reasonable plan coverage at fair price
Gail 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
Tokio Marine HCC Medical Insurance Atlas International
So easy and affordable for peace of mind while traveling outside the USA.
Duane 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 had no issues and did not need to use the insurance. Therefore it was right priced.
Laura 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
Tokio Marine HCC Medical Insurance Atlas International
Finding a good and reasonable trip insurance company (and policies) might be a challenge. Well, it was for me. Although these insurances are designed for travellers, amazingly insurance companies limit pretty much your coverage profile. For instance: I'm currently living in Mexico, bought a trip insurance for my (77 years old) Japanese mother living in Brazil. It was kind of difficult to fill up the forms and find a fit for all the required information (addresses, nationalities, citenzships...). But in the end everything went smooth and I did not need to file a claim with the insurance company.
Kazuko 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.
  • Carol
    Photo
    Thank you for your comments. We regret to hear that you found our website application difficult to complete. It does appear that you provided the correct information.

    We do provide guidance to our customers on each page of the application. For example, "Who needs to be insured on this trip?"

    "Please enter the travelers' current age, citizenship, and residence."

    Your answers will narrow down your quotes to only those policies that would be available to you.

    Nevetheless, should you ever need assistance in the future, our team of licensed representatives are always happy to help. You can call us at 800-487-4722 with any questions regarding the policies, to obtain a quote, or even to purchase a policy over the phone.
    Feb 06,2019
    • KazukoM
      Photo
      Yes, it narrows down as it progresses. But as a proof of concept: I insured my mother (Kazuko) and used my email address. Your system records my mother name and addresses me (Paulo) with her name. There is no distinction between people buying insurance for themselves and third-parties insuring someone else. But that doesn't matter, anyway. It just proves what I stated on my review. Thank you
      Feb 06,2019
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