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Travel Insurance Reviews Travel Medical Plans

Most regular health insurance plans provide only partial or no coverage while you are traveling in another country. We offer several types of Travel Medical plans providing a range of benefits, such as medical coverage for pre-existing conditions, multi-trip and renewable protection, emergency medical evacuation, and coverage for long-term travel.

To learn more, see our Travel Medical Plans article.

Customers who have visited the United States rated our Medical Plans
4.44 out of 5
552
ratings and reviews
96%
recommended
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Filed claim
Tokio Marine HCC Medical Insurance Atlas America
My dad got a seizure and was interned in the ER of a major hospital in Houston. The final bill came to over $70K, and this insurance didn’t pay a penny.
Gonzalo L. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas America
I bought Medical Travel Insurance
I had a medical emergency the day before I was to fly home and they identified an infection in my gums that caused immense pain to my temple, eye and ear also.
They extracted my Molar and told me I would be risking possible hospitalisation if I was to fly the next day.
The following Day the pain continued and I returned to the clinic (recommended by Oncall of Tokio Marine) - each step I was reporting to Oncall for their advice and keeping them up to date.
I had a 2nd tooth removed and a Gum Irrigation procedure to treat a gum disease which had infected and was the cause of my pain. It was 21 hours between when the pain began and when I bega treatment.
The Doctor advised there was no way I could fly for 48-72 hours after all that had been done and provided Certification.
I advised Oncall (Tokio Marine) with the claim reference number they had issued on the first phone call, they told me to advise the airlines immediately of the 2 international flights I had later that day.
1 day later I called Oncall to see what other documents I needed to present to activate my insurance, they said they are only a 3 es party service provider and would have to speak with the administrator of the policy (Tokio Marine). I asked them to send the information filed under my claim number but they said they had no information at all.
I spoke to Tokio Marine they said I needed to fill out their online application to start the claim. I asked about my flights and spending money as I am visually impaired (legally blind - 25% overall vision and complete loss of central vision) they said that any claim would not be analizas until the online application and relevant documents had been received and then 48-72 hours for them to enter system.

I spent 9 hours ina Staples store being assisted to scan and print emails as PDF documents of receipts paid for dental treatment, travel to and from clinic, flights and over the course of 2 days was able to submit the online claim. - nearly 200 pages in total with all email and sms correspondance of the information I had been given and my updates.
I then rang Tokio Marine to see that they had received my claim and they said it would not be into system for 48-72 business hours (I believe she meant 2-3 business days) I then explained that I was urgently needing money to change flights and have personal funds until first flight available in 3 days. They said it was impossible and would take 35-40 days to analiza the claim and they would communicate with me.
Am stuck in Miami, waiting to return to South America, made contact with an old client (by luck) who emptied out a deposit for me to be able to sleep in.
I am working in his factory 4-6 hours a day to have enough money to eat until my flight out, with my visual impairment.
Overall, EXTREMELY disappointed should NOT call it Travel Insurance. Paid extension
Go to hospital and let them evacuate you, do not try avoid costa for insurer, they do not think of you.
Adam T. 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 America
we did end up making a claim (on a Sunday afternoon)- they processed it quickly and communicated with the hospital very well.
Katherine R. would recommend this plan to a friend or relative.
Coverage
Value
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Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas America
The trip I took went well so I didn't have to use the insurance ? but the price was good... Looking forward to use the company next time I need an insurance ?
Alexandru G. would recommend this plan to a friend or relative.
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Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
AIG Travel Travel Guard MedEvac Plan
We always buy trip insurance when we travel to skiing. Prior to this year, only once in 10 years have we had to make use of the secondary medical coverage benefit in these trip insurance policies, and in that prior experience the coverage, service, and support were exceptional. This year we had a party-member injured on the trip and we were shocked and disappointed to learn the coverage did NOT include continuing medical care required after our return from the trip. In the previous experience, the secondary medical benefit provided a full year of follow-up care for the injury incurred during the trip (after our primary coverage benefit). In the policy we bought this year, not a single cost incurred for treatment once we returned from the trip is included for coverage. This difference in (absence of) secondary medical coverage benefit needs to be made very clear in the highlights presented when a person is shopping in your on-line market. Sure - buyer beware. I get that. So, you got me once, but I will bring my shopping business somewhere else every other time going forward. We are very unhappy. We feel very cheated. We are telling everyone we know to be beware of your service.
John R. 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 a plan that is no longer available.
  • Michelle A
    Photo
    Thank you for your review. Travel insurance is meant to cover you while traveling. Most plans will have coverage end once you return home, as your home health insurance is meant to kick in. In the future, please call us at 800-487-4722 and we can assist you with finding plans that cover your concerns.
    Jan 15,2020
    • JohnR
      Photo
      As you clearly acknowledge, some plans end coverage (perhaps most, as you say) upon return home, but that then means some do not end this coverage. That is the distinction my comment suggest be made clear in your online sales platform. We have always intended to purchase the coverage which continues a true 'secondary' health benefit. Because you platform did not make clear which plans did and did not provide this, we were left disappointed. As I said before - buyer beware. You will not get me again.
      Jan 15,2020
The trip included a
cruise
tour
AIG Travel Travel Guard MedEvac Plan
Great for our needs, would not travel without this company’s coverage.
Michael T. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for a plan that is no longer available.
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas America
Excellent service. I had made an error on my form and I by mistake paid for x2 persons. I was pleasantly surprised to have Tokyo Marine contact to reimburse me for the 2nd person / over charge. THANK YOU.
Megan H. 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 America
Had to go to Urgent Care due to food poisoning. They were able to accept my insurance ID right away so I didn't have to file a claim after the fact. Highly recommended!
Radhika B. would 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.
  • Empty Comment
Tokio Marine HCC Medical Insurance Atlas America
Nice interface. Easy to navigate. Plans reasonably priced.
MICHAEL 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.
  • Empty Comment
Global Underwriters Diplomat America
I never used it so I have no idea what type of company you are. But it gave me peace of mind.
mark w. 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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