How to Survive Missing Meds and Lost Checked Luggage

Posted by on in Travel

Dear Tokio Marine HCC - MIS Group:

Ireland is lovely and I'm having a great time here. There's been a small snafu, however. Not only has my luggage gone missing, but so have some vital medications.

Here's what happened:

A country sojourn was scheduled on my itinerary. A flight from Dublin to a small-town airport went off without a hitch. I spent time in a castle and amongst acres and acres of stunning green landscape. Needless to say, the beauty of it all put me in a very relaxed mood. All too soon, it was time to return to the city (not that that's a bad thing, mind you).

In a laid-back mood, I arrived at the small-town airport, put my luggage on the conveyor belt, and started through the security gate. The officer there immediately sent me back to the luggage area – no carry-ons would be allowed onboard the flight. I was confused. I was following the exact same protocol as I had with the flight that had brought me to the countryside. Shouldn't the flight back to the city have the same rules and regulations? Apparently not.

It wasn't until I was aboard the flight that I developed an uneasy feeling. There were things on my carry-on that were imperative to the trip, not the least of which were my medications. I calmed myself with the fact that the flight back to Dublin was a short one. All luggage would most likely be handed straight over on the tarmac.

Well, as you know from the beginning of this letter, that's not what happened. And now I'm in Dublin with no luggage, no medication, and several days of sightseeing ahead of me. The airline is trying to track down the missing items, but there's been no progress as of yet. What should I do in the interim?


The Accident-Prone Tourist

P.S. Thinking I should've kissed Ireland's Blarney Stone when I had a chance. If its legend holds true, maybe I'd have been able to smooth talk security into letting me take my carry-on aboard the plane.


Dear Accident-Prone Tourist,

Don't let these circumstances dampen your love of Ireland! We hope your luggage makes its way back to you in short order, and intact. In the meantime, let's tackle the issue of your missing prescription medications right away.

Travel Assistance Benefits

Our Atlas Travel and Atlas Premium travel medical plans are accompanied by a full set of free and valuable travel and medical assistance services. One of these travel assistance benefits allows Atlas policyholders free access to On Call International, a risk management firm that can assist travelers in case of emergency.

In the case of lost or stolen prescription medications abroad, On Call recommends that you first visit a clinic or physician who could provide you with a local prescription. If the prescribed medication is not available, or if it’s sold under a different name, On Call can provide a list of safe, alternative drugs for your condition.

Depending on local customs laws in Dublin, On Call may even be able to help ship your prescriptions directly to you. While the service does not cover the cost of replacing your missing medications, you can rest easy knowing you don’t have to deal with getting them replaced all on your own.

To reach On Call, contact the Tokio Marine HCC – MIS Group customer service department as you would with any other customer service inquiry. Our customer service team can be reached at (800) 605-2282. To view other travel assistance services that accompany your Atlas plan, click here.

International Provider Network

Please note that Ireland is one of 130 countries and territories worldwide where Tokio Marine HCC - MIS Group maintains relationships with hospitals and doctors. In fact, should you go the first route and need to schedule a new-patient appointment, we can help you locate the appropriate local healthcare professional. Simply phone us at 1-800-605-2282 or 1-317-262-2132.

As an Atlas policyholder, you can also access Equian International, our international provider network, online at Simply fill in the country, city, and type of healthcare provider required, along with the language, gender, and service criteria, and nearby healthcare experts/facility recommendations will appear onscreen.

Lost Checked Luggage

As for your clothing and other lost items, the fact that TM HCC - MIS Group travel policies provide coverage for lost checked luggage will ease your concerns. Our Atlas Travel policy provides up to $500 in coverage (per certificate period), whereas Atlas Premium offers up to $1,000 (per certificate period). This lost checked luggage benefit covers the replacement of clothes and personal hygiene items, not to exceed $50 on any one item.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

  • The lost checked luggage must have been checked, in accordance with routine luggage checking procedures, for transportation with you, on board a regularly scheduled commercial airline or cruise line, upon which you were a fare-paying passenger; and

  • You must file a formal claim for lost luggage with the transportation provider, and follow all instructions and take all measures as directed by the transportation provider to locate and retrieve the lost checked luggage; and

  • You must provide us with copies of all documentation of the claim filed with the transportation provider, and a written statement from the transportation provider confirming that the luggage was checked and after careful search, the luggage remains missing; and

  • The lost checked luggage must be lost as of the date of our payment and as of that date, must have been lost for at least 10 days.

Feel free to give us a call for further clarification, or if you have additional questions, at 1-800-605-2282.


Tokio Marine HCC - MIS Group

P.S. Martin in our offices kissed the Blarney Stone. Though he's quite the silver-tongued gent, even he couldn't have convinced airport security to go against regulations if carry-ons weren't permitted on a flight.

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Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. We are regulated by the State of Indiana in our capacity as Third Party Administrator. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC – International Group.