Tokio Marine HCC Medical Insurance: The Complete Guide

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HCC Medical Insurance was among the first travel insurance companies offering products direct to international travelers through the internet. The company was founded in 1998 in Indianapolis, Indiana, and shortly afterward, used the Internet to electronically deliver travel insurance quotes and documents after purchase.

HCC Medical Insurance was acquired by Tokio Marine Holdings Inc. in June 2015 to form Tokio Marine HCC – Mediocal Insurance Services Group. Together, the combined company has offices in the United States, the United Kingdom, Spain, and Ireland. With an international presence, the company offers health and life insurance products to residents of more than 130 countries.

This specialty insurance company focuses on solutions for four groups of travelers:

  • Non-American citizens traveling or relocating outside of their home nation who either require health insurance or would like to supplement any insurance products provided by their home nation
  • Americans who are traveling or living abroad who need travel insurance
  • Corporations who assign Americans to other nations and need to provide them with health insurance while abroad
  • Missionary and volunteer relief organizations who assign religious missionaries to another country
  • Colleges and universities of students who are studying abroad

How It's Rated

Because Tokio Marine HCC Medical Insurance is one of the pioneers of offering travel insurance online, they have been widely reviewed by both travelers and experts alike. As with any insurance plan, you should consider both how an insurance company is rated by A.M. Best and travel insurance marketplaces before deciding on a provider.

As a company, HCC Specialty Insurance Company has an A.M. Best rating of A++ Superior in the financial size category of $2 billion or greater. In addition, the company has a long-term credit rating of aa+ Stable, as of the last rating in early 2019. It’s important to note that the actual travel insurance policies are underwritten by a syndicate of Lloyd’s of London, managed by HCC Underwriting Agency Ltd. As of the time of writing this review, that sub-company has not been reviewed by A.M. Best.

Tokio Marine HCC Medical Insurance is among the best rated online. Users of give the company an overall rating of 4.5 stars (out of five) based on over 1,500 reviews. All Tokio Marine HCC Medical Insurance products have a rating of over four stars from buyers on the site.

On, the company has a total aggregate rating of 4.34 stars (out of five) based on 215 reviews. The company gets good marks for handling customer service before and during a trip, but the claims process only received 3.5 stars (out of five).

Travel Insurance Options

As a diverse travel insurance provider, the company offers specialty insurance products that are not offered by other underwriters. Travelers can still purchase a comprehensive medical travel insurance plan for a single trip or many trips, but that’s not where the coverage ends. Other separate travel insurance products offered by Tokio Marine HCC Medical Insurance include special coverage for relief and missionary workers, long-term expatriates, and even those who are planning a golf vacation.

Please note: all schedules of benefits are subject to change without notice. For the most up-to-date coverage information, contact Tokio Marine HCC.

Single Trip Travel Insurance

Atlas Travel Insurance: Atlas Travel Insurance may look like a regular travel insurance plan. But what makes it among the best plans available is all the ways you can customize it.

For travelers 69 and under, overall maximum limits range from $50,000 to $2 million, with a maximum benefit per injury or illness to match. Deductibles can range from $0 to $5,000 per certificate period, with coinsurance coverage for either claims in the United States, or those outside of the United States and Canada.

There’s no need to worry about local ambulance payments because usual, reasonable, and customary charges are paid for if your illness or injury requires a hospital stay. Should your incident get so serious that you need critical care, a trip to the intensive care unit is covered up to your overall maximum limit. On the medical side, this plan also offers coverage for an emergency eye exam for a covered loss and outpatient physical therapy or chiropractic care when ordered in advance by a physician—two benefits not often seen in travel insurance.

In the worst-case scenario, Atlas Travel Insurance offers high benefits which can help get you back home. The plan also comes with a $1 million lifetime maximum emergency medical evacuation benefit, which is not subject to a deductible, coinsurance, or overall maximum limit. Should a covered traveler get killed while abroad, they have the option to repatriate their remains or have a local burial or cremation. In both situations, coverage may be extended to the overall maximum limit and may not be subject to deductible or coinsurance.

If you are worried about your personal safety at a destination, Atlas Travel Insurance offers the most overall benefits to protect the well-being of you and your companions. One benefit unique to this plan is crisis response, which includes a ransom threat, theft of personal belongings, or other crisis response fees. Travelers may access up to $10,000 in benefits, with an option to purchase an additional $90,000 in insurance. The add-on crisis response insurance also includes natural disaster evacuation benefits. Should your emergency require a reunion with a loved one, this travel insurance plan may extend up to $100,000 for a maximum of a 15-day visit. Bedside visits are covered up to $1,500, while return of minor children are covered up to $50,000. If your pets are traveling with you, Atlas Travel Insurance may help them get home as well: the plan offers up to $1,000 of coverage.

As with most travel insurance plans, Atlas Travel Insurance also offers coverage for trip interruption, lost checked luggage, and travel delay. If your trip is interrupted for a covered reason, this plan offers up to $10,000 in coverage. Lost checked luggage can be covered for up to $1,000. And if you are delayed up to two days, this plan offers up to $100 per day after a 12-hour delay requiring an unplanned overnight stay.

Because of the complexity and customization of this plan, your insurance plan price will definitely vary, so be sure to read the description of coverage carefully. It’s safe to say that you can expect to pay more if you need a high overall maximum limit with a low deductible. To get the best coverage, consider how much you could comfortably pay in an emergency, and balance that against the length of your trip. The longer you will be gone, the higher overall maximum limit you will need.

Atlas Premium Insurance: When most plans offer a basic and premium level travel insurance product, the premium plan usually offers more benefits. In the case of Atlas Premium Insurance, it shares the same exact benefits as Atlas Travel Insurance, except with different benefit levels to choose from.
Again, travelers up to 69 years old can select a maximum per injury or illness benefit ranging from $50,000 all the way to up to $2 million with an overall maximum limit to match. All travelers can also select a deductible between $0 and $5,000 per certificate period. The major differences come in the maximum limits for other benefits.

For example, the crisis response benefit includes natural disaster evacuation and is extended to a $100,000 benefit maximum. If an emergency reunion is required, the benefit for Atlas Premium Insurance is increased to a maximum of $150,000, subject to a 15-day maximum visit. Political evacuation benefits are increased to a $150,000 maximum in the event of a qualifying emergency (remember: The U.S. embassy may not be able to help in a political emergency).

The customary travel insurance benefits also get increased maximums. Trip interruption is increased to a maximum of $15,000, while lost checked luggage may be covered up to $2,000. Travel delays under this plan are covered up to $200 a day after a 12-hour delay period requiring an unplanned overnight stay, for a maximum of two nights.

This particular plan also comes with a hospital indemnity of $100 per day of inpatient hospitalization (where required) and replacement accommodations due to a natural disaster of up to $500 per day for a maximum of five days.

However, not all benefits see a limit increase. A local burial or cremation is limited to a $5,000 lifetime maximum under the increased plan, while bedside visit and pet return benefits remain at their respective limits.

Still, for those travelers who are concerned about their exposure to risk or attack may benefit from this increased plan. Depending on your deductible and overall maximum, expect to pay more for this plan. However, you could reduce that cost by increasing your deductible, and lowering your overall maximum—get all the information by reading the description of coverage.

Multi-Trip Travel Insurance

Atlas MultiTrip: As with many multi-trip travel insurance plans, Atlas MultiTrip is a single purchase that will cover travelers across multiple trips. With one purchase, travelers can get up to 364 consecutive days of coverage that can extend to a spouse or dependents.

Like the single-trip travel insurance plans, Atlas MultiTrip includes medical insurance benefits, up to $1 million lifetime maximum of emergency medical evacuation and up to $100,000 lifetime maximum of political evacuation. In the event a crisis response is required due to ransom, theft of personal belongings, or other requisite fees and expenses, travelers may be covered up to a maximum of $10,000. Policy holders can also purchase up to an additional $90,000 of coverage, which includes a $10,000 maximum for natural disaster evacuation coverage.

As a general plan benefit, travelers aged 69 and under are also covered for acute onset of pre-existing conditions, up to the overall maximum limit. If an onset requires emergency medical evacuation, this plan offers a $25,000 lifetime maximum.

For thrill seekers, this plan also offers limited coverage for injuries due to participation in amateur (non-professional) sports. To qualify for coverage, you must be adequately supervised and wearing all safety equipment at all times. Some activities, like skiing, snowboarding, kite-surfing, martial arts, and Running with the Bulls are not covered under Atlas MultTrip. For a full explanation, read the description of coverage.

Other Travel Insurance Options

Atlas Group Insurance: Atlas Group Insurance is specially built for large families, corporations, student groups, missionaries, and other large groups that travel worldwide. It offers all of the same 

The plan offers all of the same features as the Atlas Travel Insurance plan at a Atlas Travel health insurance plan at a 10 percent discount for groups of five or more.

StudentSecure Insurance: These plans offers international health insurance to full-time students or scholars studying abroad. The plans come in four tiers (Elite, Select, Budget, and Smart) so you can find an option that best suits your needs and budget.

Long-Term Medical Insurance: Travelers who are planning on leaving the United States for longer than 45 days should consider a long-term medical insurance plan instead of an annual travel insurance plan. Tokio Marine HCC Medical Insurance does not offer a long-term medical insurance plan, but instead sells plans from GeoBlue, IMG, and Seven Corners.

What Isn't Covered

Although Tokio Marine HCC Medical Insurance plans are among the most thorough, they also come with key exclusions you need to know about. In most of the plans outlined above, here are the most common exclusions you may find.

  • Pre-existing conditions: Atlas Travel Insurance policies will not cover any pre-existing condition, unless it is an acute onset of a pre-existing condition. Anything that is not short in duration, occurs regularly and with warning signs, does not progress rapidly, or requires anything more than urgent care will not be covered as an acute onset of a pre-existing condition.
  • Sexual health disorders and pregnancy: Sexual health disorders, including sexually transmitted diseases, impotency, or pregnancy after the 26th week (unless it is a covered complication) are not covered under the plans.
  • Mental health disorders and self-injury: Mental health disorders, including substance abuse, and self-inflicted injury do not qualify for coverage under this plan.
  • Health emergencies: If the Centers for Disease Control issues a Level 3 Travel Warning for your destination in the six months before your departure, or you decide to stay over 10 days after the warning is issued, you may be traveling on your own. Health emergencies that fall outside those strict guidelines are not covered by these travel insurance plans.
  • Injuries resulting from intoxication: Intoxication isn’t just one of the leading causes of death abroad—you could also be personally liable for injuries to yourself or others. If you are injured while operating any motor vehicle (including a boat) over the legal limit, this travel insurance plan won’t cover you.

This is not an exhaustive list of exclusions that pertain to your travel insurance policy. For situations that apply to your purchase, be sure to consult the description of coverage included with your plan.  

How to File a Claim

Tokio Marine HCC Medical Insurance requires travelers to fill out their claim forms offline and send them in for processing along with documents supporting their claims. The company made two videos detailing the process: one for claims inside the United States and one for claims abroad

If you have any questions about your claim before you submit, you can contact Tokio Marine HCC Medical Insurance at 1-800-605-2282.

Who It's Best For

Tokio Marine offers the highest benefits and levels of coverage among all travel insurance companies, making them one of the best in the event of an emergency. However, their high benefit levels are not right for everyone.

If you are planning on taking a long and expensive trip abroad or are traveling to a dangerous part of the world, then a Tokio Marine HCC Medical Insurance policy may be the right one for you. With high coverage levels for medical emergencies, Tokio Marine HCC Medical Insurance policies can make sure your medical situations are covered while abroad.

However, if you are more concerned about recovering the cost of your vacation instead of getting sick abroad, then you may not get the most benefit from a Tokio Marine HCC Medical Insurance plan. These plans are geared towards travelers who are at high risk of injury or illness when they travel. With the higher price tag attached to the medical insurance, these plans may not offer much benefit if you need to cancel your trip or experience a long trip delay.   

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