Travel Insurance Reviews for WorldTrips

Thank you for your review. In the US you may present your medical identification card to your physician or other health provider who would require minimal, if any, payment up front. However, travel medical insurance is different. First of all, Tokio Marine HCC is not Primary coverage which would pay FIRST before any other collectible insurance. It is Secondary coverage that would reimburse you only after any other Primary collectible insurance has paid the claim and the Primary policies' limits have been exhausted. There is also a Pre-existing Condition exclusion with a 2 year look back period that must be reviewed before Tokio Marine HCC would pay their share of your claim.

We regret that you were disappointed in the handling of your claim. However, it is important that travelers understand that along with the coverage that your travel medical plan provides, there are also limitations which may be reviewed prior to purchasing your policy.

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 as we would be happy to assist you.

Thank you for your feedback on this policy.

We were advised that you did contact the claims department on January 20th, 2018 to find out the extent of coverage under this policy after your friend became ill. Unfortunately, you purchased a single trip medical plan with no coverage under Trip Interruption for your prepaid nonrefundable travel expenses even if you decided to return home early. In addition, the medical condition that you noted as being the reason for a claim is a standard exclusion in all travel insurance plans. Although we certainly understand your disappointment, Tokio Marine can only reimburse you within the terms and limitations of your policy.

Perhaps you will decide to purchase another plan for your next trip. We encourage you to call us for assistance and a detailed explanation of coverage prior to purchasing a plan.

Please feel free to call us with any questions.