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.

How is Tokio Marine rated?


Plans & Coverage
Customer Assistance Services
Financial Strength

Overall Rating: 8.8 / 10 (Excellent)

Tokio Marine's Atlas travel medical insurance offers coverage that is more limited in some respects, but also more affordable than many of its competitors. Their policies, which are backed by very solid financials, are geared toward medical coverage and do not cover trip cancellation or other non-medical travel-related losses. While information on the company's reputation is scanty, the data that is available suggests this is a sound choice for people who are primarily concerned with the possibility of incurring medical expenses while traveling.

Tokio Marine Plans & Coverage

Plans & Coverage - 9 / 10

Tokio Marine's Atlas travel medical insurance is primarily a medical benefits policy. The company does not cover trip cancelation but insures against trip interruption for those who fall ill or become injured while traveling. There is a small benefit available for lost luggage, yet personal travel-related losses are not the primary focus of their plans. The company's policies include personal liability and hospital indemnity coverages, which is somewhat unusual in the industry.
Available Plans
Accidental Death
Trip Cancellation/Interruption Coverage
Injury/Illness/Death of Traveler
Terrorism/Evacuation at Destination
Medical Coverage
Doctor, Hospital, or Other Licensed Provider
Transport Family Member to Bedside
Transport Children Home
Baggage Coverage

Medical Coverage Details

Maximum Medical Reimbursement
Maximum Medical Evacuation Reimbursement

Baggage Coverage Details

Maximum Baggage Reimbursement
Maximum Baggage Reimbursement

Tokio Marine Financial Strength

Financial Strength - 9.5 / 10

Tokio Marine is one of the few insurers to merit AM Best's top financial rating. The multinational also scores very well with Moody's and Standard & Poor's, further confirming their ability to meet their future financial obligations. All indicators suggest the company is on a sound financial footing and will likely continue to grow and diversify their offer through further acquisitions in the insurance industry.
Tokio Marine
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating

Tokio Marine Reputation

Reputation - 9 / 10

There isn't much online evidence on which to assess Tokio Marine's Atlas travel medical insurance. The company's A+ rating with the BBB and 6.1 score on TrustPilot each rest on a single complaint, and there is no reported litigation involving the company's travel medical plans.
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Trust Pilot Rating
6.1 out of 10
Date Collected

Tokio Marine Customer Assistance Services

Customer Assistance Services - 8 / 10

As its name suggests, Tokio Marine's Atlas travel medical insurance focuses on reimbursing policyholders for medical expenses incurred while traveling, so they do not offer travel assistance or concierge services. Neither do they provide 24/7 support or have a mobile application. However, their website does have some medical-related support features for policyholders, such as downloadable copies of ID cards and visa letters.
Mobile App

Our Partner
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