Amazing price and great service. Luckily I didn't need to file a claim, but I had a question one time, called the number, spoke with a human, and got a succinct answer almost immediately. Would use again.
Benjamin P. would
recommend this plan to a friend or relative.
As my recent overseas trip was unexpectedly extended, I had the option of extending my initial insurance policy, or take the easier route and purchase a new policy to cover my extra for days of travel. I choose the latter. It was easy to do, was affordable and gave me comfort from stress as at the time there was a lot of turmoil at European airports.
Pekka P. would
recommend this plan to a friend or relative.
Thank you for your feedback. Since this is a legal contract, Tokio Marine HCC Medical Insurance is obligated by law to include the policy's terms and conditions.
However, InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722. We would be happy to answer your questions.
I tried to call all possible Numbers in Germany, It did not work.
I tried to send email and they said I should send a letter to an adreds in USA.
So I was sick, in Germany, and to contact them (what was almost impossible) I should send a letter.
Layane C. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
We are sorry to hear that you were dissatisfied with Tokio Marine's 24 hour assistance services. Your policy offers secondary medical coverage outside your home country for a relatively short term basis.
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:
 Inpatient care
 any Surgery or Surgical Procedure
 care in an Extended Care Facility
 Home Nursing Care
 Durable Medical Equipment
 artificial limbs
 Computerized Tomography (CAT Scan)
 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.
However, InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722. We would be happy to answer your questions.