Tokio Marine Atlas Travel Medical Insurance Review

Rating: 8.8 / 10 (Excellent)
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Tokio Marine is the largest and oldest Japanese insurance company. The firm does business worldwide and is headquartered in Tokyo. In 2015, the company purchased HCC Insurance Holdings, a large American specialty insurer with experience in the travel insurance market. Through that acquisition, Tokio Marine now offers travel insurance under the name Atlas Travel Medical Insurance.

Atlas Travel is commonly purchased for the following scenarios:

  • International vacations
  • Visiting family in a foreign country
  • Business trips
  • Backpacking and adventure travel
  • Short-term mission & service trips
  • Studying abroad

Atlas Travel offers coverage of up to $2,000,000 for eligible injury and illness expenses.

It also includes other desirable benefits such as:

  • Emergency Medical Evacuation
  • Emergency Dental
  • Personal Liability
  • Accidental Death and Dismemberment (AD&D)

Read through the benefits chart below for more details.

Atlas Travel Benefits 


Atlas Travel

Atlas Premium


$0, $100, $250, $500, $1,000 or $2,500

$0, $100, $250, $500, $1,000 or $2,500

Maximum coverage per injury or illness

Up to $2 million

Maximum coverage per certificate period

Up to $2 million

Coinsurance - claims incurred in US or Canada

100% within the PPO

(80% out-of-network)

100% within the PPO

(90% out-of-network)

Coinsurance- claims incurred outside US or Canada

100% of eligible expenses

Eligible expenses subject to deductible or coinsurance

Hospital room and board


Local ambulance


Intensive Care Unit


Physical therapy

Up to $50 per day

All other eligible medical expenses



$50,000 lifetime

Eligible expenses NOT subject to deductible or coinsurance

Hospital Indemnity

$100 per day

Emergency dental

Up to $250

Emergency medical evacuation

Up to $1 million

Emergency reunion

Up to $50,000

Bedside visit

Up to $1,500

Return of minor children

Up to $50,000

Pet return

Up to $1,000

Political evacuation

Up to $10,000

Up to $25,000

Repatriation of remains

Overall maximum limit

Local burial or cremation

Up to $5,000

Natural disaster benefit

$100/day for 5 days

$200/day for 5 days

Trip interruption

Up to $5,000

Up to $10,000

Travel delay

$100/day for 2 days

$200/day for 2 days

Lost checked luggage

Up to $500

Up to $1,000

Common carrier accidental death

Up to $50,000

Accidental death and dismemberment

Up to $50,000

(up to $100,000 with optional buy-up)

Up to $100,000

Crisis response


(up to $100,000 with optional buy-up)


Personal liability


(up to $100,000 with optional buy-up)


Travel Assistance Services included with every Atlas purchase include:

  • Tracking for Lost Luggage
  • Lost Passport & Travel Document Assistance
  • Prescription Drug Replacement Assistance
  • Emergency Travel Arrangements
  • Provider Referrals

Atlas Travel Insurance Summary

Atlas Travel insurance, insured through Lloyds of London, is a well-rounded plan that provides travelers with customization options to fit most budgets. It even includes pet return coverage, something not typically offered with travel medical insurance policies. High maximum benefits and a long list of standard and premium benefits make Atlas Travel insurance an attractive option for international travelers.

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8.8 / 10


  • Covers emergency hospital, medical, and dental expenses
  • Up to $2 million maximum coverage per injury or illness
  • Includes travel benefits like trip interruption and crisis response
  • Emergency medical evacuation and repatriation of remains
  • Covers bedside visit, pet return, and return of minor children
  • Includes AD&D, personal liability, and hospital indemnity policies