Tokio Marine HCC Visitors Insurance Reviews

VisitorSecure is a cheap visitor insurance designed for international travelers visiting the US or for travel abroad

• Coinsurance: Plan pays fixed sum.
• Direct billing: Through   United health care ppo.
• Acute on set of pre-existing conditions: Covered up to policy maximum for ages up to 70 years.
• Urgent care clinic: $130 allowable per visit, 10 visits max.
• Emergency medical evacuation: Up to $50,000 maximum.
• Repatriation of remains:$25,000 per member.
• Renewable: Can be renewed and extended up to 364 days.

Atlas America Insurance is ideal for travelers to the USA needing flexible, comprehensive coverage with acute onset of pre-existing condition benefits.

• Coinsurance: After deductible, plan pays 100% up to policy maximum.
• Direct billing: Through   United health care ppo.
• Acute on set of pre-existing conditions: Up to policy maximum for ages up to 79 years.
• Emergency medical evacuation: Up to $1,000,000.
• Maternity: Covers complications of pregnancy in the first 26 weeks.
• Urgent Care 15 per incident : no copayment if deductible is $0.
• Border entry Protection : Up to $500 if denied entry to the U.S. on a valid B-2 visa.
• Adventure Sports : Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost
• Renewable : Can be renewed and extended up to 364 days
• Repatriation of Remains: Equal to the elected overall maximum limit
• Per return: Up to $1,000 maximum limit
• Optional add-on benefits

Atlas Essential America is ideal for budget-conscious travelers to the USA looking for basic coverage with essential medical benefits.

• Coinsurance: After deductible, pays 75% of eligible expenses after the deductible to the overall maximum limit.
• Direct billing: Through   United health care ppo.
• Emergency medical evacuation: Up to $500,000.
• Urgent Care: 15 per incident; no copayment if deductible is $0.
• Adventure Sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost.
• Renewable : Can be renewed and extended up to 364 days.
• Repatriation of Remains : Up to $25,000 maximum limit.

Atlas America Premium is ideal for travelers to the USA seeking high-end coverage with superior policy limits and enhanced benefits, including acute onset of pre-existing conditions.

• Coinsurance:After deductible, plan pays 100% up to policy maximum
• Direct billing: Through   United health care ppo.
• Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years.
• Emergency medical evacuation:Up to $1,000,000 lifetime maximum.
• Maternity: Covers complications of pregnancy in the first 26 weeks.
• Urgent Care 15 per incident: no copayment if deductible is $0.
• Border entry Protection : Up to $500 if denied entry to the U.S. on a valid B-2 visa.
• Adventure Sports : Covers eligible sports injuries and illness during vacation at no extra cost.
• Renewable : Can be renewed and extended up to 364 days.
• Repatriation of Remains : Equal to the elected overall maximum limit.
• Per return : Up to $1,000 maximum limit.

Atlas Essential International is ideal for travelers outside the U.S. seeking affordable, basic international medical coverage for emergencies and essential care.

• Coinsurance :Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount
• Direct billing: No PPO network
• Pre-existing condition: Not Covered
• Emergency medical evacuation: Up to $500,000 lifetime maximum
• Urgent Care: $15 per incident; no copayment if deductible is $0
• Renewable: Can be renewed and extended up to 364 days
• Repatriation of Remains: Up to $25,000 maximum.

Atlas International is ideal for travelers outside the U.S. looking for comprehensive medical coverage that meets Schengen visa requirement and protection for unexpected health emergencies.

• Coinsurance: After deductible, plan pays 100% up to policy maximum.
• Direct billing: No Provider network.
• Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years.
• Emergency medical evacuation: Up to $1,000,000.
• Maternity: Covers complications of pregnancy in the first 26 weeks.
• Urgent Care: 15 per incident; no copayment if deductible is $0.
• Adventure Sports : Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost.
• Renewable : Can be renewed and extended up to 364 days.
• Repatriation of Remains : Equal to the elected overall maximum limit.
• Optional add-on benefits

Atlas Premium International is ideal for travelers looking for premium international coverage with high limits, enhanced benefits, and Schengen visa compliance.

• Coinsurance: After deductible, plan pays 100% up to policy maximum
• Direct billing: No Provider Network.
• Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years.
• Emergency medical evacuation: Up to $1,000,000.
• Maternity: Covers complications of pregnancy in the first 26 weeks.
• Urgent Care : 15 per incident; no copayment if deductible is $0.
• Adventure Sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost.
• Renewable : Can be renewed and extended up to 364 days.
• Repatriation of Remains : Equal to the elected overall maximum limit.

Atlas Multi trip insurance covers multiple trips throughout the year, each up to 30 or 45 days based on the chosen plan.

• Eligibility: US or Non US citizens traveling outside their home country for business or pleasure
• Coinsurance: plan pays 100% up to policy maximum
• Acute on set of pre-existing conditions: Covers up to overall maximum limit, under age 70.
• Emergency medical evacuation: Up to $1,000,000 lifetime maximum.
• Border entry protection: Up to $500 for B-2 visa holders denied entry at the U.S. border.
• Lost luggage : Up to $10,000.
• Repatriation of Remains : Up to maximum limit.
• Trip Interruption : Up to $10,000.

StudentSecure smart is a cheapest student insurance for international students studying outside their home country.

• Coinsurance: In PPO Network: 80% of the first $100,000, then 100% to the max limit, Out of PPO Network: Usual, reasonable, and customary; you may pay excess charges.
• Direct billing: Through   United health care ppo.
• Acute onset of Pre-existing condition: $25,000 up to policy maximum.
• Sports: leisure, recreational, entertainment, and fitness are covered up to the max limit
• Payment option: Monthly or Annual Payment options available.
• Renewal: Can be renewed and extended up to 4 years.
• Mental health: Physician Office Visit: $500 max, Inpatient: Up to $5,000 (excludes drug and alcohol abuse).
• Student health Centre: $25 per visit.
• Paper application: Student Secure Smart insurance application form.

StudentSecure Budget is ideal for international students seeking affordable coverage with added benefits like emergency medical evacuation and maternity coverage.

• Coinsurance: Up to $1,000,000 per personIn PPO Network: 80% of the first $45,000, then 100% to the max limit, Out of PPO Network: Usual, reasonable, and customary; you may pay excess charges.
• Direct billing: Through   United health care ppo.
• Acute onset of Pre-existing condition: $25,000 up to policy maximum.
• Pre-existing condition : Covers after 12 months of waiting period.
• Maternity : Covers up to $5,000 up to maximum limit.
• Sports :Sports, leisure, recreational, entertainment, and fitness are covered up to the max limit.
• Payment option : Monthly or Annual Payment options available.
• Renewal : Can be renewed and extended up to 4 years.
• Mental health :Physician Office Visit: Max 30 visits, Inpatient: Max 30 days (includes drug and alcohol abuse).
• Student health Centre : $25 per visit.
• Paper application : Student Secure Budget Insurance application form.

StudentSecure Select is ideal for international students wanting mid-level coverage with broader benefits, including mental health, maternity, and emergency services.

• Coinsurance: In PPO Network: 80% of the first $25,000, then 100% to the max limit, Out of PPO Network: Usual, reasonable, and customary; you may pay excess charges.
• Direct billing: Through   United health care ppo.
• Acute onset of Pre-existing condition: $25,000 up to policy maximum.
• Pre-existing condition: Covers after 6 months of waiting period.
• Maternity: Covers up to $10,000 up to maximum limit.
• Sports: Sports, leisure, recreational, entertainment, and fitness are covered up to the max limit. intercollegiate, interscholastic, intramural, or club sports covers up to $5,000 max limit.
• Payment option : Monthly or Annual Payment options available.
• Renewal Can be renewed and extended up to 4 years.
• Mental health: Physician Office Visit : Max 30 visits, Inpatient: Max 30 days (includes drug and alcohol abuse).
• Student health Centre : $10 per visit.
• Paper application : Student Secure Select insurance application form.

StudentSecure Elite is ideal for international students looking for exclusive coverage with maximum benefits and comprehensive protection

• Coinsurance: In PPO Network: 80% of the first $10,000, then 100% to the max limit, Out of PPO Network: Usual, reasonable, and customary; you may pay excess charges.
• Direct billing: Through   United health care ppo.
• Acute onset of Pre-existing condition: $25,000 up to policy maximum.
• Pre-existing condition: Covers after 6 months of waiting period.
• Maternity: Covers up to $15,000 up to maximum limit.
• Sports: Sports, leisure, recreational, entertainment, and fitness are covered up to the max limit. intercollegiate, interscholastic, intramural, or club sports covers up to $5,000 max limit.
• Payment option: Monthly or Annual Payment options available.
• Renewal : for a monthCan be renewed and extended up to 4 years.
• Mental health: Physician Office Visit : Max 40 visits, Inpatient: Max 40 days (includes drug and alcohol abuse)Student health Centre: $10 per visit.
• Paper application : Student Secure Elite insurance application form.

Atlas group insurance for Groups of 5 or more travelers travelling outside their home country

• Coinsurance:After deductible, plan pays 100% up to policy maximum
• Direct billing: Through   United health care ppo.
• Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years.
• Emergency medical evacuation: Up to $1,000,000.
• Urgent Care : 15 per incident; no copayment if deductible is $0.
• Renewable: Can be renewed and extended up to 364 days.
• Repatriation of Remains: Equal to the elected overall maximum limit.

Medical evacuation insurance for J visa holders

• Emergency medical evacuation: Up to $50k.
• Local Burial or Cremation: Local Burial or Cremation.
• Repatriation of Remains: Up to $25k.