Tokio Marine HCCReviews of tmhcc.com

If it were possible to give less than one star, I would. This is an absolute scam of a company. Their entire business model is built on denying your legitimate claim, then accusing you of submitting a fraudulent claim, all the while delaying communication and daring you to sue them over their claim denial. EXTREMELY unethical and immoral company. DO NOT waste your time or money with these fraudsters.

Soon, spin and spin. Then 3 months to deny a claim that other travel insurers accepted. They are absolute masters of; Delay Deflect Defer Deny Their Australian travel insurance claims systems is totally designed to frustrate

Delay, deny, defend. What a joke. After paying good money in premiums for my last few international trips (not to mention decades of car insurance and membership), I finally made a claim against my travel insurance, sold to me via the RAC, when I suffered a near 7 hour delay for an internal flight in the Philippines, resulting in having to book a new flight entirely to make it home from Manila. You'd think that this might come under "delay" as promised by their completely misleading policy summary when you take out this cover but no, the fact that the airline caused my loss, means they don't want to know. Would that not be the main cause of financial losses covered, and the main reason people take out insurance? If someone is silly enough to lose their passport they would be covered, but not in a genuine situation beyond their control. Premiums AND flight expense down the drain. There go $1000. They will not see any of my money again, including for my trips to Peru and Africa in the next two years, as well as my car insurance in future. Disgusting.

I purchased insurance through RAA Travel Insurance which is underwritten by Tokio Marine Nicho. I lodged a claim on 19 December 2024 for an incident on a cruise ship In Australian Waters,on 6 December 2024. I had absolutely zero contact from anyone until 24 February 2025, 9.5 weeks later!!!! The website says they will respond within 10 days and they respond to claims in order of receipt!!! When they finally did respond via email it was as if AI had written the response. They were asking for irrelevant documents including proof I had cancelled the trip. I didnt cancel the trip, I was onboard the ship when I had a medical episode. I am claiming for medical expenses. I would absolutely NOT recommend using RAA travel insurance and I am reconsidering whether I will change my Home and Contents Insurance to another provider if this is how they respond to claims. I have since read more reviews from people who have experienced the same lack of service so I know itts not a one off. Adjunct -13/3/25 - adding to this review, a friend lodged a claim through Qantas Travel insurance (AIG) on Friday 7/3/25 and received a response on 12/3/25 (2 business days later!!!!) saying her claim has been approved and will be paid in 3 days. Money was in their bank account 2 days later! That is what you want when claiming on insurance policies especially when incidents occur when travelling which is usually very distressing. You never know how good insurance is until you make a claim and this is proof. I will definitely be choosing Qantas Travel insurance for my future travels.

UPDATE ON INSURANCE CLAIM ON-GOING 19 days since the escape of water. 28th Jan - emailed letter from a Matthew McManus re my complaints about how my claim was being mis-managed and delayed. Still no response from Tokio Marine HCC to my initial TrustPilot review. No idea who is the claim handler for my claim or who is the underwriter or who is my POC. And Tokio Marine HCC state on their website that they aim to deal promptly and fairly with claims big and small and that their experienced teams can make fast decisions on claims. My previous claims experience with NFU Mutual and Direct Line was completely different, competent, efficient and prompt. Just one phone call and a few basic questions and they took care of everything in less than three week.

Terrible company for insurance DO NOT USE!!!! We had medical insurance for our maid and despite her having pain and symptoms and tests and doctor saying it could be cancer and needed further tests (inpatient and meant to be covered by the policy), when it came back as not cancer tokio refuses to cover the cost of the biopsy saying they only cover if there is a diagnosis of cancer!!! Absolutely awful. Not renewing and really recommend AGAINST using this scam of a company.

Absolute scoundrels who will go to any length to avoid paying a claim. Avoid at all cost. They have refused to pay for roof repairs as the wind speed was 9mph less than a definition while admitting there was heavy rainfall. During the review process they were slow in correspondence, took almost 3 months to get an answer and then 8 weeks for the complaint response. The complaints letter is full of inaccuracies about the claim. Am taking my complaint to the financial ombudsman but ideally would not have to waste so much time with them.

Awful company, definitely do not use. Will never pay out really isn’t worth insuring anything with them. DO NOT USE!!!!!!!!!!!!