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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. Your primary health insurance may not fully cover you while you are traveling abroad, and this plan can help to fill in those coverage gaps. You are able to customize your plan by selecting the medical limit and deductible amount that best fit your needs.

Trip interruption benefits can help with the cost of an economy one-way air or ground transportation back home. Covered reasons for trip interruption are destruction to more than 40% of your principal residence by fire or weather (after departure from home country) as well as the death of a parent, spouse, sibling, child or grandchild. Another travel protection coverage this plan offers is baggage protection. It provides coverage for replacement of clothes and personal hygiene items if your bag is lost during transit.

Incidental Home Country Coverage is available to U.S. citizens to a maximum of 15 days per three-month period of coverage. If you have an incidental trip back to the U.S. and incur medical expenses during that time, this benefit may be necessary.

This plan also provides coverage for a natural disaster. The natural disaster benefit can help to defray the cost of replacement accommodations in the event you are displaced from planned, paid accommodations due to evacuation from a forecasted disaster or following a disaster strike.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Info

View Certificate
AM Best Rating

Trip Protection

Trip Interruption
Baggage Loss

Pre-Existing Conditions

Lookback Period

Accidental Death

Flight Only
Included in Accidental Death Common Carrier


Additional Benefits

24-Hour Emergency Assistance
Included Benefits
Natural Disaster - Replacement Accommodations ($250/day, 5 day max.)

Political Evacuation - $100,000

If you are physically located in the State of NY, MD or WA and/or if the proposed insured is physically located in the state of MD, you are prohibited from purchasing this plan.

Your Quote

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Ratings and reviews

Our customers rate the Tokio Marine HCC Medical Insurance Atlas International on our site
(4.57) of 5
on average based on 1588 reviews.
A.M. Best Rating
Better Business Bureau Rating
Due to COVID19 I could not do my trip to Brazil. I contacted customer service and was asked to submit my flight cancellation documentation. I did that and then got another request asking my for a copy of all the pages in may passport so that they could have irrefutable evidence that I had not been to Brazil. I wrote back stating that I am a dual citizen (Brazil and US) and that even if I had taken the trip to Brazil, my Brazilian passport would show no entry or exit stamp since for Brazilian citizens the immigration process is fully automated and no stamps are placed on the passport. At the end, no refund or offer to provide me a credit for future trips is what I was told. Very unfortunate that a global company like Tokyo Marine has not updated their internal customer support policies to account for the fact that there are many dual citizens in the world who are frequent travelers who do not fit their mode. No more Tokyo Marine insurance purchases from me any more. And since I am a frequent buyer of travel insurance, I will certainly make sure to share my experience with all my other fellow globe trotters.
Paulo E.
Quotes were quick and easy. The coverage was exactly what I was looking for. I will use them again.
Nancy L.
Thank you for providing peace of mind!
Harrison F.
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