To find the best travel insurance plan for your trip, you want to know which plans worked well for other customers. All of our travel insurance reviews were submitted by customers who purchased a plan on our site. These reviews cover the spectrum including travel health insurance, cruise insurance, comprehensive travel insurance and last minute travel insurance.
How We Count Reviews: Our online review database contains over 100k reviews and ratings collected directly from customers via our site and third-party platforms. All reviews have been verified as honest ratings from real travelers like you.
InsureMyTrip evaluates all of the reviews posted on the site. "Anytime Advocates" - a team of licensed, uncommissioned travel insurance representatives - are available to assist any customer who may need help facilitating a claim or answering questions about a purchased plan before, during or after their trip.
Tokio Marine does not restrict you to a network of medical providers, so you are free to seek medical treatment from any certified medical provider. You should expect to pay out of pocket and receive reimbursement only after your medical claim has first been submitted to a primary health care provider.
Please keep in mind that the following expenses must always be Pre-certified:
ï‚Ÿ Inpatient care
ï‚Ÿ any Surgery or Surgical Procedure
ï‚Ÿ care in an Extended Care Facility
ï‚Ÿ Home Nursing Care
ï‚Ÿ Durable Medical Equipment
ï‚Ÿ artificial limbs
ï‚Ÿ Computerized Tomography (CAT Scan)
ï‚Ÿ Magnetic Resonance Imaging (MRI)
Apparently your injury did not require
Pre-certification or Tokio Marine would have instructed you to:
1. Contact the Plan Administrator at the telephone number contained in the Member’s Certificate as soon as possible before the expense is to be incurred; and
2. Comply with the instructions of the Plan Administrator and submit any information or documents they require; and
3. Notify all Physicians, Hospitals and other providers that this insurance contains Pre-certification requirements and ask them to fully cooperate with the Plan Administrator.
Once again, we apologize that this may not have been fully explained to you during your phone call with the 24 hour assistance service.