Q:

What is covered under Tokio Marine Group travel insurance?

A:

Quick Answer

Tokio Marine Group's travel insurance, known as TM Xplora, features two plans: a Premier plan and a Classic plan, explains the company's website. Each plan has different coverage limits and provides personal accident protection as well as medical coverage. TM Xplora also provides coverage for trip inconveniences such as cancellations or delays. Policyholders can also purchase additional coverage options to add to a travel insurance plan, such as golf equipment and lost credit card coverage.

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Full Answer

With the personal accident protection in the Xplora policy, a policyholder receives coverage for accidental death and permanent disablement, up to specified limits, notes Tokio Marine. Policyholders also receive double indemnity for travelling in public transportation, and if a policyholder dies accidentally, his dependent children are eligible to receive a lump sum child education grant.

The Xplora policy covers medical expenses that a policyholder incurs overseas, including pregnancy-related expenses, according to Tokio Marine. TM Xplora also pays for a relative or friend to visit the policyholder if he is hospitalized for longer than five consecutive days or for a friend or relative to travel to make funeral arrangements in the event of a policyholder's death. In addition, this policy pays for a relative or friend to accompany the policyholder's children back to Singapore if the policyholder is hospitalized. TM Xplora covers the costs of emergency medical assistance and evacuation, repatriation expenses, and emergency telephone charges.

If a policyholder's trip is cancelled, postponed or curtailed, the Xplora policy reimburses the policyholder for travel expenses that are not refundable. This policy also covers loss or damage to a policyholder's baggage, as well as costs a policyholder incurs if he misses a flight, reports Tokio Marine.

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