Tokio Marine
Tokio Marine in the UAE is a branch of Tokio Marine & Nichido Fire Insurance of Japan, part of Tokio Marine Holdings, and opened in Dubai in 1976. Al Futtaim Development Services is its UAE agent. Its travel page lists three plans: Tokio Privilege, Tokio Lite and Tokio Family.
Out of 5 from 617 Google reviews across 3 offices
- Trustpilot3.516 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Tokio Marine
Tokio Marine averages 3.3 out of 5 across 617 Google reviews of its UAE offices, read 5 Nov 2026. Those reviews cover everything it sells, not only travel insurance.
Read the Google reviews for each office
Tokio Marine travel insurance
Tokio Marine's travel page lists three plans, Tokio Privilege, Tokio Lite and Tokio Family, from comprehensive cover to a basic plan for Schengen visa requirements, with 24/7 global assistance. Its travel policy wording, a 2019 document, also lists Tokio Supreme and limits any one trip on annual multi-trip cover to 62 days.
| Plan | Type | What it is |
|---|---|---|
| Tokio Privilege | Individual | Emergency medical and evacuation up to USD 1,000,000, repatriation USD 10,000, baggage USD 5,000, cancellation and curtailment USD 5,000 and personal liability USD 1,000,000.4 |
| Tokio Family | Family | Called Tokio Enhanced (Family) in the wording's table. Emergency medical and evacuation up to USD 100,000, repatriation USD 5,000, baggage USD 2,500 and personal liability USD 100,000. No cancellation cover.4 |
| Tokio Lite | Individual, limits in euros | Emergency medical and evacuation up to EUR 30,000, repatriation EUR 5,000, personal accident EUR 30,000 and loss of passport EUR 500. No baggage, cancellation, delay or liability cover.4 |
| Cover | With this insurer | Details |
|---|---|---|
| Emergency medical and evacuation | Included | USD 1,000,000 on Privilege, USD 100,000 on Family and EUR 30,000 on Lite. Treatment must be an emergency needing hospital admission. Excess USD 50 per claim, with EUR 30 listed for Tokio Basic.4 |
| Repatriation | Included | USD 10,000 on Privilege, USD 5,000 on Family and EUR 5,000 on Lite. If you choose not to return home or move to another facility for treatment, ongoing costs are not paid.4 |
| Cancellation and curtailment | Depends on plan | USD 5,000 on Privilege, none on Family or Lite. Covered reasons include death, injury or illness of you, a travel companion or a close relative, travel stopped by government restrictions after an epidemic, hijack, serious damage or a burglary at your home, and an airport closed by government notice.4 |
| Flight delay | Depends on plan | USD 50 for every 4 hours, up to USD 1,000, on Privilege and Family, for delays caused by breakdown of the carrier, bad weather, strike or industrial action.4 |
| Missed departure and missed connection | Depends on plan | Up to USD 1,000 each on Privilege. A missed connection with less than 3 hours between flights is excluded.4 |
| Baggage | Depends on plan | USD 5,000 on Privilege and USD 2,500 on Family, USD 300 for one article, pair or set and USD 500 for valuables, at market value less wear and depreciation. USD 30 excess. Losses not reported to the police within 24 hours are excluded.4 |
| Personal liability | Depends on plan | USD 1,000,000 on Privilege and USD 100,000 on Family.4 |
| Where you are covered | Depends on plan | Worldwide outside your country of residence, excluding places with known war or civil unrest and a list of countries including Afghanistan, Iraq, Nigeria, North Korea, Somalia, Sudan, Syria and Yemen, unless agreed and shown on your schedule.4 |
More cover details (8)
| Cover | With this insurer | Details |
|---|---|---|
| Age limits | Depends on plan | Over 18 and under 70 at the start of the trip if travelling alone. Children aged 3 months to 18 pay 50% of the premium and get 50% of each limit. No personal accident or medical benefits if you are 70 or over when the insurance starts.4 |
| Trip length | Depends on plan | On annual multi-trip cover, any one trip is limited to 62 consecutive days.4 |
| Baggage delay | Depends on plan | USD 50 for every 3 hours, up to USD 1,000 on Privilege, for essential clothing, medication or toiletries bought within 4 days of arrival.4 |
| Emergency dental treatment | Included | Up to USD 1,000 per person and USD 200 per tooth, within 48 hours of accidental damage to natural teeth.4 |
| Credit card fraud and mugging | Depends on plan | Card fraud up to USD 1,000 on Privilege and USD 300 on Family, for 48 hours or until you tell the bank. Cash stolen in a mugging up to USD 200 on both.4 |
| Laptop | Depends on plan | Up to USD 1,000 on Privilege, with an excess of 10% of the laptop's value.4 |
| Terrorism | Optional extra | An extension of USD 100,000, if shown on your schedule. The wording offers it on Tokio Supreme and Tokio Family.4 |
| Winter sports | Optional extra | Ski pack USD 500, delayed ski equipment USD 300, ski equipment USD 300, and piste and avalanche closure USD 150 each.4 |
Check before you buy
- Illness or disability that existed and was known when the insurance started, or a recurring or continuing condition you had in the 12 months before applying, is excluded.4
- No trip is covered for personal accident, medical or cancellation if you, or anyone the trip depends on, is expected to give birth before, during or within two months of the trip, unless Tokio Marine agrees in writing.4
- War, civil war, strikes, riots and all risks of terrorism and sabotage are excluded, unless you buy the terrorism extension.4
- Winter sports, motorcycling other than mopeds hired on holiday, and hazardous sports are excluded unless the extra premium is paid and accepted. A further list of adventure sports, including scuba diving below 30 metres, is excluded.4
- Mental illness and psychiatric or psychological disorders are excluded.4
Policy documents
- Travel Insurance Policy WordingsPolicy wording, 2019
- Tokio Travel Policy, ArabicPolicy wording
How to claim with Tokio Marine
- Claims phone+971 4 350 2777
- Claims emailgenclaim@tmnf.ae
- Claim onlineOpen claim page
Steps
- In an emergency abroad, call the numbers in the policy wording: +1 877 826 2942 or +1 603 952 2656 in the USA, 0800 021 1016 in the UK, 0805 370 129 in France, and +1 603 952 2656 from anywhere else. They come from the 2019 wording, so check the number on your policy schedule.4
- Register the claim by email to genclaim@tmnf.ae or by phone on +971 4 350 2777.5
- Report the claim within 30 days of the accident or illness, or within 30 days of the end of the trip if there was neither, with proof of travel such as your ticket or boarding pass.4
- If property is lost, stolen or damaged, tell the police straight away and get a report. If it happened in a carrier's care, tell the carrier in writing and get its report.4
- Do not discuss liability with anyone else, and send Tokio Marine any letters or legal papers you receive about the claim.4
Documents to have ready
- Proof of travel: your ticket or boarding pass4
- A police report made within 24 hours of discovering a theft or loss4
- A Property Irregularity Report and a copy of your written claim to the airline for baggage lost or damaged in its care4
- Travel tickets, baggage tags and receipts for the items lost, stolen or damaged4
- Written confirmation from the carrier of the hours and reason for a delay4
- A certificate from a registered doctor for cancellation because of illness or injury4
- Report the claim within 30 days of the accident or illness, or within 30 days of the end of the trip if there was neither.4
- After a website complaint, the company says it will give an update within three working days if the issue is not resolved.8
Not happy with a claim? Use the Tokio Marine complaints page first. How to complain about an insurer.
About Tokio Marine
- Legal name
- Tokio Marine & Nichido Fire Insurance Co.Ltd
- Founded
- 1976 (UAE branch)1
- Type
- Conventional insurer20
- Owner
- A branch of Tokio Marine & Nichido Fire Insurance of Japan, part of Tokio Marine Holdings. Al Futtaim Development Services acts as its UAE agent.1
- Listed on
- Parent Tokio Marine Holdings is listed on the Tokyo stock exchange, code 876614
- Headquarters
- Single Business Tower, Sheikh Zayed Road, Dubai7
- UAE branches
- Two offices: Dubai and Abu Dhabi7
- Also sells
- Car, Home, Health, Personal accident, Property, Marine cargo, Workmen compensation, Public liability, Business packages6
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 452
Financial strength
The ratings and figures belong to the Japanese company and its group. The UAE business is a branch of that company.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| AM Best | A++ (Superior) financial strength, aa+ issuer credit, Stable11 | Parent group | 25 Sept 2026 |
| S&P Global Ratings | A+ financial strength, Positive13 | Parent group | 20 Feb 2026 |
| Fitch Ratings | AA- (Very Strong) insurer financial strength, Stable12 | Parent group | 6 Feb 2026 |
| Moody's | Aa3 insurance financial strength, Stable10 | Parent group | 24 Feb 2026 |
| Period | Premiums | Profit | Assets | Solvency |
|---|---|---|---|---|
| FY2025, year to 31 March 2026. Tokio Marine & Nichido Fire, Japan, company only. Premiums are direct premiums written. (group)15 | JPY 2.81tn | JPY 731.13bn | JPY 9.76tn | |
| FY2025, year to 31 March 2026. Tokio Marine Holdings, whole group, Japanese GAAP. Premiums are direct premiums written including deposit premiums. (group)14 | JPY 6.35tn | JPY 980.43bn | JPY 31.96tn | |
| 31 March 2026. Tokio Marine Holdings, whole group, economic value-based solvency margin ratio, from the company's own report. AM Best's release of 25 September 2026 gives the group's economic solvency ratio at the same date as 268%. (group)16 | 207.8% |
News and official actions
- Official action
Japan's Financial Services Agency ordered Tokio Marine & Nichido Fire and three other insurers to improve their business operations after information leaks at their insurance agencies in Japan.17
- Official action
The Japan Fair Trade Commission issued cease and desist orders and surcharge payment orders against Tokio Marine & Nichido Fire and other insurers for coordinating premiums and bids on contracts in Japan, including car insurance for the Tokyo police.22
- Official action
Japan's Financial Services Agency issued a business improvement order to Tokio Marine & Nichido Fire and other large insurers in Japan over price fixing in contracts with corporate clients.18
- AM Best affirms A++ rating of Tokio Marine & Nichido Fire
AM Best kept the rating of the Japanese company and its subsidiaries at A++ (Superior), with a stable outlook.11
- Tokio Marine UAE appoints Purple Fable as creative and social media agency
The role covers social media management and performance marketing for the UAE business.21
- Tokio Marine Holdings reports results for the year to March 2026
Group net income under Japanese accounting rules was 980.4 billion yen, down from 1,055.3 billion yen the year before.14
- S&P raises Tokio Marine Group outlook to positive
S&P kept the A+ rating on core group companies and revised the outlook from stable to positive.13
Contact Tokio Marine
- Phone043502777
- Toll free8008663
- ComplaintsOpen complaints page
- Hours8am to 5pm, Monday to Friday
- Head officeOffices 302-305, Floor 3, Single Business Tower, PO Box 152, Sheikh Zayed Road, Dubai
Common questions
What travel insurance does Tokio Marine sell in the UAE?
Its travel page lists Tokio Privilege, Tokio Lite and Tokio Family, from comprehensive cover to a basic plan for Schengen visa requirements, with 24/7 global assistance.3
What is the Tokio Marine travel claim number?
Register a travel claim by email to genclaim@tmnf.ae or by phone on 04 350 2777. For an emergency abroad, use the number on your policy schedule. The 2019 wording gives +1 603 952 2656 from any country.5
How long do I have to make a Tokio Marine travel claim?
The wording says to report the claim within 30 days of the accident or illness, or within 30 days of the end of the trip if there was neither.4
Does Tokio Marine travel insurance cover pre-existing conditions?
No. Illness known when the insurance started, and recurring or continuing conditions in the 12 months before you applied, are excluded.4
What is the age limit for Tokio Marine travel insurance?
Over 18 and under 70 at the start of the trip if travelling alone. Children travelling with you are covered at 50% of each limit for 50% of the premium.4
How long can each trip be on Tokio Marine annual travel insurance?
The wording limits any one trip on annual multi-trip cover to 62 consecutive days.4
What is Tokio Marine rated?
AM Best rates the Japanese company A++ with a stable outlook, as of September 2026. The rating belongs to the Japanese company, of which the UAE business is a branch.11
Sources
22
1Tokio Marine Holdings, Business & Solutions: TMNF Dubai branch. Last checked 5 Nov 2026. Source document: Business & Solutions: TMNF Dubai branch
2Central Bank of the UAE, CB Register September of 2026. Last checked 4 Nov 2026. Source document: CB Register September of 2026
3Tokio Marine, Travel Insurance. Last checked 12 Nov 2026. Source document: Travel Insurance
4Tokio Marine & Nichido Fire Insurance (Internet Archive copy), Travel Insurance Policy Wordings, PDF created September 2019, archived 18 April 2024. Last checked 12 Nov 2026. Source document: Travel Insurance Policy Wordings
5Tokio Marine, How to report a claim. Last checked 12 Nov 2026. Source document: How to report a claim
6Tokio Marine UAE, Home page. Last checked 5 Nov 2026. Source document: Home page
7Tokio Marine UAE, Contact Us. Last checked 5 Nov 2026. Source document: Contact Us
8Tokio Marine UAE, Submit your Complaint. Last checked 5 Nov 2026. Source document: Submit your Complaint
9Tokio Marine UAE, Policy Wording References. Last checked 5 Nov 2026. Source document: Policy Wording References
10Tokio Marine Holdings, Rating Information, as of 24 February 2026. Last checked 5 Nov 2026. Source document: Rating Information, as of 24 February 2026
11AM Best via Business Wire, AM Best Affirms Credit Ratings of Tokio Marine & Nichido Fire Insurance Co., Ltd. and Its Subsidiaries, 25 September 2026. Last checked 5 Nov 2026. Source document: AM Best Affirms Credit Ratings of Tokio Marine & Nichido Fire Insurance Co., Ltd. and Its Subsidiaries, 25 September 2026
12Fitch Ratings, Fitch Affirms Tokio Marine & Nichido at IFS 'AA-'; Outlook Stable. Last checked 5 Nov 2026. Source document: Fitch Affirms Tokio Marine & Nichido at IFS 'AA-'; Outlook Stable
13S&P Global Ratings, Research Update: Tokio Marine Group Outlooks Revised To Positive. Last checked 5 Nov 2026. Source document: Research Update: Tokio Marine Group Outlooks Revised To Positive
14Tokio Marine Holdings, Summary of Consolidated Business Results under Japanese GAAP, year ended 31 March 2026. Last checked 5 Nov 2026. Source document: Summary of Consolidated Business Results under Japanese GAAP, year ended 31 March 2026
15Tokio Marine Holdings, Information of major subsidiaries' business results, year ended 31 March 2026. Last checked 5 Nov 2026. Source document: Information of major subsidiaries' business results, year ended 31 March 2026
16Tokio Marine Holdings, Economic Value-based Solvency Margin Ratio as of 31 March 2026. Last checked 5 Nov 2026. Source document: Economic Value-based Solvency Margin Ratio as of 31 March 2026
17Japan Financial Services Agency, FSA Weekly Review No.630. Last checked 5 Nov 2026. Source document: FSA Weekly Review No.630
18The Business Times, Japan penalises top property insurers for price fixing. Last checked 5 Nov 2026. Source document: Japan penalises top property insurers for price fixing
19Trustpilot, Tokio Marine & Nichido Fire Insurance Company profile. Last checked 5 Nov 2026. Source document: Tokio Marine & Nichido Fire Insurance Company profile
20eSanad (broker site), Tokio Marine & Nichido Fire Insurance Co. Ltd. UAE. Last checked 5 Nov 2026. Source document: Tokio Marine & Nichido Fire Insurance Co. Ltd. UAE
21Campaign Middle East, Tokio Marine Insurance UAE picks Purple Fable Marketing for creative, social media. Last checked 5 Nov 2026. Source document: Tokio Marine Insurance UAE picks Purple Fable Marketing for creative, social media
22Japan Fair Trade Commission, The JFTC Issued Cease and Desist Orders and Surcharge Payment Orders against Non-Life Insurance Companies, 31 October 2024. Last checked 5 Nov 2026. Source document: The JFTC Issued Cease and Desist Orders and Surcharge Payment Orders against Non-Life Insurance Companies, 31 October 2024
- Owner
- Travelinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published