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WorldTrips Travel Insurance Review: Is it Worth The Cost?

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Since 1998, WorldTrips has provided medical insurance and trip protection to travelers from the U.S. and around the world in addition to coverage for international students. The company also provides coverage for various tour groups, missionary work and student exchange programs. The insurance policies are underwritten by Tokio Marine HCC, a Houston-based insurance company.

Whether you’re a U.S. resident looking for comprehensive travel insurance plans or a student looking for a medical-only policy, WorldTrips insurance has coverage options.

What kind of plans does WorldTrips provide?

If you’re a U.S. resident, WorldTrips offers four single-trip comprehensive travel insurance plans: Atlas Cruiser, Atlas Journey Economy, Atlas Journey Preferred and Atlas Journey Premier. Here's a quick overview of the coverage offered by each plan.

Atlas Cruiser: This plan comes with 100% trip cancellation , 100% trip interruption , $25,000 medical expenses, $100,000 medical evacuation and $1,500 baggage loss coverage (up to $500 per item). This plan also offers optional Cancel For Any Reason coverage for up to 75% of the total trip cost (as long as you purchase it within 21 days of your initial trip payment and more than 48 hours before your trip begins).

Atlas Journey Economy: This budget plan covers 100% trip cancellation, 100% trip interruption, $10,000 medical expenses , $250,000 medical evacuation and $1,000 baggage loss (up to $250 per item).

Atlas Journey Preferred: This mid-range plan offers coverage for 100% trip cancellation, 150% trip interruption, $100,000 medical expenses, $1 million medical evacuation and $1,500 baggage loss (up to $500 per item). You can add Cancel For Any Reason coverage for 50% or 75% of the total trip cost.

Atlas Journey Premier: The priciest plan also provides the most coverage, including 100% trip cancellation, 150% trip interruption, $150,000 medical expenses (primary coverage), $1 million medical evacuation and $2,000 baggage loss (up to $500 per item). You have the option to add Cancel For Any Reason coverage for 50% or 75% of the total trip cost.

Non-U.S. residents and international students have access to medical-only policies. Annual plans aren’t available for U.S. residents.

» Learn more: The best travel insurance companies

WorldTrips travel insurance cost and coverage

WorldTrips offers several comprehensive single-trip plans that include basic trip protections and medical coverage. The cost varies based on coverage limits.

WorldTrips single-trip plan cost

Here's a comparison of the cost of WorldTrips insurance plans for a 10-day trip that costs $2,000 for a 35-year-old traveler from California. In our example, the destination isn’t specified, and the trip doesn’t include a cruise.

The Atlas Journey Premier plan comes in at $126, the most expensive option. The Atlas Cruiser plan has a similar cost of $120. The Preferred and Economy plans, which cost $103 and $79, respectively, are a bit cheaper, but come with lower coverage limits.

» Learn more: What to know before buying travel insurance

Which WorldTrips travel insurance plan is for me?

The kind of coverage you’re seeking for your upcoming travels is going to affect your plan selection. Here are a few situations which might influence your decision:

If you’ve made nonrefundable deposits for your trip: If you’re going on a safari to Kenya or on a cruise to Antarctica and you’ve prepaid nonrefundable expenses, you probably want to go with plans that offer more coverage, such as Atlas Journey Preferred or Atlas Journey Premier.

If you need to add on Cancel for Any Reason coverage: For single-trip insurance plans, go with either Atlas Cruiser, Atlas Journey Preferred or Atlas Journey Premier because they offer this optional upgrade.

If travel insurance is mandatory and you hold a premium travel rewards credit card : If a tour operator requires you purchase travel insurance but you hold a credit card that already provides some trip protections, you can probably get away with the least expensive Atlas Journey Economy policy.

» Learn more: What does travel insurance cover?

How to get a quote from WorldTrips

To get an online quote, go to the WorldTrips home page and select whether you’re a U.S. resident, a non-U.S. resident or an international student. If you’re a U.S. resident, click on that box, then fill out the form to price your plan.

Make sure to provide your state of residence, total trip cost, departure and return dates, traveler’s age and initial trip payment date. If you’re going on a cruise, be sure to check the box. Once the form is complete, select “View my plans” and compare the plan types.

What isn’t covered by WorldTrips insurance?

As with any travel insurance policy, there are some exclusions to coverage. Here’s a sampling of things WorldTrips doesn’t cover:

Intentional self-inflicted injuries, including suicide.

War, invasion or acts of foreign enemies.

Speed or endurance competitions as well as athletic stunts.

Piloting or learning how to pilot an aircraft.

Being engaged in illegal activities.

Medical tourism.

Traveling against a physician’s advice.

Operating a motor vehicle without a license.

» Learn more: How much is travel insurance in 2023?

Is WorldTrips travel insurance worth it?

WorldTrips insurance offers multiple plans for U.S. travelers looking for trip insurance and medical coverage abroad as well as non-U.S. travelers and students looking for medical coverage in case of an unexpected injury or illness.

If you travel once or twice per year, WorldTrips offers several comprehensive single-trip policy options that are worth checking out. However, if you need an annual plan, you'll want to look elsewhere.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

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Atlas Travel Insurance Review: Is it Worth it For You?

This article may contain references to some of our advertising partners. Should you click on these links, we may be compensated. For more about our advertising policies, read our  full disclosure statement  here.

In this Atlas Travel Insurance review, we’ll explore what plans they offer, what they cover, and whether the plans are worth it for you. Enjoy!

If you’re getting ready for a trip, you know it can involve a fair bit of planning. From finding affordable vacation ideas to choosing the ideal flights, there are a lot of decisions to make.

One decision you’d probably rather not deal with is choosing a travel insurance plan. Unlike scouting for the best flight and hotel deals, there’s nothing fun about thinking about the worst-case scenario. It’s tempting to skip it altogether – but don’t.

Anything could happen, and it’s better to be safe than sorry. The best travel insurance companies offer comprehensive coverage that protect your financial investment and your health.

Today I’ll review two types of insurance offered by Tokio Marine HCC-MIS Group, otherwise known as Atlas.

Atlas at a Glance

• Started in 1998 in Indianapolis, IN
• One of the first to make insurance products and services available on the internet
• Sells three comprehensive trip cancellation insurance plans
• Offers a multi-trip travel medical plan
• Offers two customizable single-trip travel medical plans

Atlas Travel Insurance Products

Atlas provides a suite of travel insurance options to meet the diverse needs of today’s traveler. Let’s take a look.

Trip Cancellation Insurance

Atlas trip cancellation insurance plans protect the non-refundable deposits you make when you book your trip. They’re considered comprehensive plans because they also offer emergency medical coverage. There are three tiers available:

• Atlas Excursion
• Atlas Expedition
• Atlas Enterprise

Atlas MultiTrip

The Atlas MultiTrip plan covers frequent travelers for all trips up to 30 or 45 days in a 364-day period. It’s primarily a travel medical plan, although it also includes trip interruption, trip delay, and baggage loss coverage. It does not include trip cancellation, so you’ll either have to use a travel rewards credit card that includes it, or purchase that separately for each trip.

Travel Medical Insurance

Atlas offers two customizable travel medical insurance plans that provide single-trip coverage for trips lasting 5 to 364 days. These plans also include trip interruption, travel delay, and lost baggage:

• Atlas Travel
• Atlas Premium

In this review, I’ll focus on the trip cancellation insurance and MultiTrip plans. If you want to learn more, you can compare Atlas travel medical insurance plans here .

Atlas Travel Insurance: What’s Included?

Atlas trip cancellation insurance plans protect you from financial loss if you cancel your trip or return home suddenly (for a covered reason). There are 3 plans to choose from – Excursion, Expedition, and Enterprise.

As an example, the basic Atlas Excursion plan includes:

• Trip Cancellation
• Trip Interruption
• Baggage Delay
• Emergency Medical and Dental Expense
• Emergency Medical Evacuation and Repatriation of Remains
• Common Carrier AD&D

Of course, the higher-tiered Expedition and Enterprise plans offer more coverage per category and offer extras like Cancel for Any Reason coverage and a Pre-existing Medical Conditions Waiver.

One note about these plans – they are not easy to find on their website. In fact, you have to get a quote (and therefore, already know your plans or have made reservations) to even get access to coverage amounts. We’d love to see coverage amounts front-and-center like they do for their MultiTrip and travel medical plans – without having to put in specific information first. Anyone should be able to see up-front how much insurance is provided.

Atlas’ MultiTrip plan is a travel medical plan that covers all trips lasting up to 30 or 45 days in a 364-day period. It’s an attractive solution for frequent travelers . Their MultiTrip plans include:

• Emergency Medical Evacuation: $1,000,000 lifetime maximum
• Repatriation of Remains: Up to the overall maximum limit
• Emergency Dental: $300
• Accidental Death and Dismemberment: Lifetime max up to $25,000 depending on age
• Common Carrier Accidental Death: up to $50,000 depending on age
• Personal Liability: $25,000 lifetime max
• Trip Interruption: $10,000
• Lost Luggage: $1,000
• Travel Delay (12 hours): $100/day for maximum 2 days
• Lost or Stolen Passport/Travel Visa: $100
• Deductible: $250 per covered trip
• For a full list of what’s covered, click here .

Remember that while it includes trip interruption, trip delay, and baggage loss coverage, it does not include trip cancellation insurance. If you want that, you can purchase it separately.

Great Coverage for Your Epic Trip – Protect yourself and your trip from catastrophe. Get started with comprehensive medical and trip insurance from Atlas. Get your free quote here .

Atlas Travel Insurance: How Much?

The cost of a travel insurance policy depends on several factors, including your age, the length and cost of your trip, whether you’re traveling solo or with family, and your state of residence. To weigh your options, get an online quote directly from Atlas. That said, these examples help illustrate how the plans compare in terms of price.

Let’s consider a 33-year-old solo traveler heading to Belgium for two weeks in June. He’s from the U.S. state of Georgia, and his trip costs $3,000. Here is what he would pay for each of the Atlas trip cancellation insurance plans:

• Atlas Excursion: $91
• Atlas Expedition: $107
• Atlas Enterprise: $126

Now, let’s shake things up and see what the prices would look like if it were a family vacation. Let’s add his 35-year-old wife and their two kids, ages 7 and 10. With the additional airfare, let’s say the trip costs $5,500:

• Atlas Excursion: $204
• Atlas Expedition: $240
• Atlas Enterprise: $280

In both examples, the jump from Atlas Excursion to Atlas Expedition is pretty small. Considering Atlas Expedition gets you an extra $100,000 in emergency medical coverage and the pre-existing medical conditions waiver, I think it’s worth it.

Note that adding Cancel for Any Reason coverage to the Atlas Enterprise plan would cost an extra $182. The standard trip cancellation coverage includes the most common reasons for canceling a trip, so most people probably wouldn’t add it on.

Atlas MultiTrip: How Much?

When buying the MultiTrip Plan, you can insure trips lasting up to 30 or 45 days. Let’s look at how much it would cost to insure the travelers from the previous example for all trips taken for 364 days.

Our 33-year-old solo traveler would pay:

• $188 for all trips lasting up to 30 days
• $230 for all trips lasting up to 45 days

The family of 4, ages 35, 33, 10, and 7 would pay:

• $282 for all trips lasting up to 30 days
• $345 for all trips lasting up to 45 days

Atlas Travel Insurance: What Isn’t Covered?

The nitty-gritty exclusion details vary by plan and can be found in your plan certificate. Here are a few things worth noting.

Pre-existing Medical Conditions (Certain Circumstances)

The Atlas trip insurance plans define a pre-existing medical condition as one you had in the 60 days preceding your scheduled departure. That 60 days is called the look-back period. Pre-existing conditions are handled differently based on the type of travel insurance you purchase.

The Atlas Excursion plan does not cover pre-existing medical conditions in any circumstance. For some, this is a good reason to buy the Atlas Expedition or Enterprise plans instead.

The Atlas Expedition and Enterprise plans have a pre-existing conditions waiver. That means that if you meet certain criteria, your trip cancellation, interruption, and medical benefits will cover your pre-existing medical conditions. These are the criteria:

• You purchase your travel insurance plan within 21 days of making your initial trip deposit
• You purchase insurance for the full cost of your trip
• You’re medically able to travel on the effective date of your policy

The Atlas MultiTrip plan has a look back period of two years. That means a condition is considered pre-existing if you had it in the two years prior to the beginning of your coverage.

The MultiTrip plan does not cover pre-existing medical conditions except in cases of acute onset. Acute onset means a sudden, unexpected, brief flare-up that requires urgent care (excluding chronic or congenital conditions).

Adventure Sports

There’s a whole list of adventure sports that aren’t covered. That means if you sustain an injury while taking part in one, Atlas won’t pay your claim. Here are a few notable exclusions:

• Parachuting
• Any kind of race
• Base jumping
• Independent scuba diving
• Spelunking or cave diving
• Whitewater rafting
• Big game hunting

If any of these are an important part of your travel plans, you should look elsewhere for your insurance needs. We recommend checking out World Nomads , which is known for its adventure sports coverage.

Lost or Damaged Medical Items

It’s important to note that baggage/personal effects and baggage delay coverage do not cover loss or damage to medical items you may travel with. This includes:

• Eyeglasses, sunglasses, and contacts
• Artificial teeth and dental bridges
• Hearing aids
• Prosthetic devices
• Prescribed medications
• Retainers and orthodontic devices

The best course of action is to keep these items in your carry-on luggage to reduce the chance of loss or damage.

Standard Exclusions

As is the case with most travel insurance providers, Atlas does not cover losses related to:

• Anything self-inflicted
• War, invasion, acts of foreign enemies, civil war, hostilities between nations
• Any non-emergency medical treatment
• Injury or sickness when traveling against the advice of a physician
• Participation in professional sports, piloting, or military training exercises

Again, consult your plan certificate for the full list of exclusions.

Need an all-in-one travel insurance plan? Atlas has your back with several single trip and multi-trip options. Get started today with a free quote.

Atlas Travel Insurance: Who Can be Covered?

Two of the Atlas trip cancellation plans, Atlas Expedition and Atlas Enterprise, cover travelers up to age 99. This is something to consider if you or someone you are traveling with is a senior. Atlas Excursion provides coverage to age 75. Atlas MultiTrip provides coverage to travelers aged 14 days to 75 years.

Atlas Travel Insurance Pros and Cons

Who should buy atlas travel insurance.

Frequent Travelers – If you travel several times a year, Atlas MultiTrip can save you money.

Travelers Who Need an All-In-One Insurance Product – If you need to insure your non-refundable trip deposits but you also want high levels of medical coverage, the Atlas Expedition or Enterprise plans will be a good fit for you. They come with a generous $150,000 or $200,000 in medical coverage.

Travelers Who Need Cancel For Any Reason Coverage – The Atlas Enterprise plan comes with optional Cancel for Any Reason coverage. Although it’s expensive, it will be worth it for some travelers.

Who Should Skip Atlas Travel Insurance?

Seniors Aged 75 and Over – Seniors over age 75 are not eligible for the Atlas Excursion plan or the MultiTrip plan. They can get the Atlas Expedition and Enterprise plan, but they can likely find more options elsewhere.

Adventurous Travelers – Atlas doesn’t offer adventure sports coverage, so if bungee jumping or mountain climbing are in the cards, look elsewhere. I recommend checking out World Nomads .

Frequent Travelers Who Need Trip Cancellation – The Atlas MultiTrip plan is a great option for frequent travelers, except for one thing: it doesn’t include trip cancellation insurance. If you’ll be making expensive deposits several times per year, the MultiTrip plan won’t check all your boxes.

How to Buy Atlas Travel Insurance

The simplest way to buy any of the Atlas plans is online. Start by grabbing a quote and reviewing the coverage. If you like what you see, enter your details and your payment information, and you’re good to go.

The Atlas trip cancellation insurance plans come with a 10-day review period. This means you can request a refund within 10 days of purchasing your plan if you change your mind (as long as your coverage hasn’t started).

With the Atlas MultiTrip plan, you can request a refund any time before coverage begins.

How to Make a Claim

You have 20 days for trip cancellation insurance or 60 days for MultiTrip insurance from the day coverage ends (the last day of the certificate period) to file a claim.

To start a claim, you must contact Tokio Marine HCC-MIS to give notice of your claim. You can do this online or by mail, and you can call to get help. They will advise what forms and information you need to provide.

Atlas Travel Insurance: Should You Buy It?

If you’re looking for a solid, comprehensive travel insurance plan that protects your non-refundable deposits and offers emergency medical coverage, Atlas has you covered.

Their Expedition and Enterprise plans offer robust coverage at a reasonable price. They are the trip insurance plans that will meet most travelers’ needs. In my opinion, the Excursion plan just doesn’t offer enough medical coverage for most situations.

The MultiTrip plan is a good fit for travelers looking to insure multiple trips a year but don’t need trip cancellation coverage.

Whether you chose Atlas or another provider, make sure you protect yourself and your trip by purchasing a travel insurance policy before you go. Thanks for reading and safe travels!

Get International Medical Insurance with Atlas – Are you ready to protect your trip and your health? Hop over to Atlas to get your free quote for your next trip. Grab a free quote here.

Atlas Travel Insurance Review

• Amount of Coverage
• Medical Coverage
• Travel Coverage and Protections
• Affordability
• Covered Activities & Sports
• Availability

Their Expedition and Enterprise plans offer robust coverage at a reasonable price. They are the trip insurance plans that will meet most travelers’ needs. In my opinion, the Excursion plan just doesn’t offer enough medical coverage for most situations. The MultiTrip plan is a good fit for travelers looking to insure multiple trips a year but don’t need trip cancellation coverage.

There is little adventure sports coverage and no annual plans that include trip cancellation insurance.

Sandra Parsons is a professional freelance writer and personal finance expert who writes about all things money. Her work has been featured on sites like MoneyTips, Credit Knocks, Women Who Money, and CreditCards.org. She also adores travel (preferably paid for with credit card rewards) and routinely reviews sightseeing passes and travel insurance solutions. Prior to focusing on her writing career, Sandra spent five years working in banking. She also holds master’s degrees in employment relations and psychology. Learn more about Sandra here.

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Travel Insurance

WorldTrips travel insurance review 2024

Jennifer Simonson

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

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Updated 9:06 a.m. UTC Nov. 13, 2023

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Best for extension of travel insurance coverage

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

WorldTrips’ Atlas Journey Preferred policy offers an extension of coverage benefit that’s almost three weeks longer than that of any other company we evaluated, and this extension includes medical quarantine coverage.

• Cheapest of the 5-star plans in our rating.
• Top-notch $1 million per person in medical evacuation coverage.
• Very good travel delay and missed connection coverage.
• Optional “cancel for any reason” coverage of 50% or 75%.
• Emergency medical coverage is secondary, with optional upgrade to primary.
• No “interruption for any reason” coverage.

About WorldTrips travel insurance

WorldTrips Atlas Journey travel insurance plans provide customizable travel insurance coverage at a competitive price. Depending on the type of trip you are planning, you can customize your travel insurance coverage by adding upgrades such as pet care coverage, hunting and fishing equipment coverage and even destination wedding coverage.

In this WorldTrips insurance review, we break down WorldTrips’ three main insurance plans, share sample pricing for its top-rated travel insurance plan and explain some common policy exclusions.

WorldTrips travel insurance plans

WorldTrip’s Atlas Journey travel insurance plans include medical coverage and trip interruption coverage for both domestic and international trips. The three travel insurance plans — Premier, Preferred and Economy — allow you to select the plan with the appropriate amount of coverage to meet your travel needs.

Atlas Journey Economy

The WorldTrips Atlas Journey Economy plan was designed for travelers who are looking for basic coverage on their next vacation or business trip.

The plan includes all the basic travel insurance coverages such as trip cancellation, trip interruption, trip delay, medical coverage, medical evacuation and baggage coverage.

Of the three plans, the economy plan offers the lowest payout benefits. The travel medical insurance limit is only $10,000 per person. This coverage limit might be fine when traveling through the United States where your primary medical insurance would cover any emergency medical situations. However, if you are traveling internationally through countries that do not accept your domestic health insurance , you might want to upgrade your plan to include more medical coverage.

Atlas Journey Preferred

The WorldTrips Atlas Journey Preferred plan includes everything the economy plan does, but increases the coverage amount for every benefit. This plan gets 5 stars in our rating of the best travel insurance . 

Atlas Journey Preferred provides the same trip cancellation , interruption and emergency evacuation benefits as the top-tier Premier plan, but offers slightly lower limits for delay, missed connection and baggage insurance.

The biggest difference between the Preferred and the more expensive Premier plan is that the Preferred plan offers up to $100,000 in secondary emergency medical coverage while the Premier plan offers up to $150,000 in primary emergency medical coverage. You can opt to upgrade the Preferred plan to primary coverage for an additional fee, however.

Know more: Flight cancellations

Atlas Journey Premier

The WorldTrips Atlas Journey Premier plan is the crème de la crème of the WorldTrips trio of plans. It offers travelers the highest payout benefits of all the plans, which is especially important for those traveling overseas.

Compare WorldTrips travel insurance plans

What worldtrips travel insurance covers.

The core types of travel insurance packaged together in WorldTrips Atlas Journey policies include:

• Sickness or injury that renders you or your traveling companion unable to travel. 
• Death of a family member, traveling companion or business partner.
• Severe weather that causes your common carrier to shut down for more than 12 hours. 
• Terrorist incident or civil unrest in your destination. 
• Emergency medical expenses: Travel medical insurance helps pay doctor and hospital bills and emergency evacuations if you get sick or injured on your trip.
• Travel delay: If your trip is delayed for five hours or more due to a reason listed in the policy, travel delay insurance can help cover the cost of accommodations, meals and local transportation while you are delayed. 
• Baggage: Baggage insurance includes lost or stolen baggage, excessive baggage damage and baggage that is delayed more than 12 hours.  
• Travel Assistance Services: Multilingual travel agents can provide worldwide travel, medical, emergency, and security assistance 24 hours a day, seven days a week. 

What WorldTrips travel insurance doesn't cover

Like all travel insurance plans, WorldTrips plans will not cover everything. While it is always a good idea to read the fine print before buying a policy, here are some exclusions to WorldTrips travel insurance plans. 

• Traveling against the advice of a physician.
• Medical tourism.
• Intoxication. 
• Pre-existing conditions, unless you qualify for a waiver of the pre-existing condition exclusion.
• Participation in an organized sports competition or as a sporting professional.
• Participation in bodily contact sports, extreme sports, and certain adventure sports. 

WorldTrips travel insurance rates

Worldtrips additional coverage options and benefits.

You can customize and enhance WorldTrips travel insurance plans with the following add-ons, provided they are available with the plan you choose and in your state. 

“Cancel-for-any-reason” (CFAR) coverage

A “cancel for any reason” upgrade allows you to cancel your trip for any reason not already covered by your trip cancellation benefit, as long as you do so at least 48 hours before your scheduled departure.

Premier and Preferred plan policyholders can choose to be reimbursed for 50% or 75% of their costs with CFAR. This optional coverage is not available with the Atlas Journey Economy plan. 

“Interruption-for-any-reason” coverage

The trip “interruption for any reason” (IFAR) upgrade reimburses 50% of your trip cost as long as you are at least 48 hours into your trip when you decide to end your travels early. This optional coverage is only available on the WorldTrips Atlas Journey Premier plan.

Destination weddings 

This upgrade allows you to get trip cancellation benefits if the destination wedding you are attending is canceled after you buy your travel insurance policy. The destination wedding coverage is only available on the WorldTrips Atlas Journey Preferred and Premier plans.

Adventure sports 

This optional coverage extends your travel insurance to include safari activities, bungee jumping, hang gliding and other extreme activities. This add-on is available for all WorldTrips Atlas Journey plans. 

Emergency medical expense primary coverage

WorldTrips Atlas Journey Preferred policyholders have the option to upgrade their emergency accident and sickness coverage from secondary to primary coverage. 

Rental car damage and theft

This upgrade adds collision damage and theft coverage for rental vehicles. The rental car coverage is an available add-on for all plans. 

This upgrade adds trip cancellation or trip interruption coverage in the event of the death or critical illness of your dog or cat. It also adds vet care compensation if your dog or cat becomes ill when traveling with you. The pet care coverage is an add-on option for all plans. 

Baggage damage or loss primary coverage

This add-on doubles your baggage coverage limits. It also increases the baggage insurance to primary coverage up from the secondary coverage available on the WorldTrips Atlas Journey plans. This upgrade is available on all plans. 

Vacation rental accommodations

The vacation rental coverage offers interruption coverage if your vacation rental is unclean, overbooked or the keys are lost. The optional coverage upgrade is available on all plans. 

Additional covered school activities 

This optional upgrade adds cancellation coverage if a student is required to take a test, the school year is extended or if a sporting event is scheduled. The coverage upgrade is available on all plans.

Hunting and fishing activities

The hunting and fishing upgrade covers cancellation due to government restrictions. It also covers equipment if it is lost, damaged or stolen and reimburses travelers for rental gear. The optional coverage upgrade is available on all plans.

Methodology

Our insurance experts reviewed 42 aspects of 53 policies to find the best travel insurance plans. We used data provided by Squaremouth, a travel insurance comparison provider. For companies offering more than one travel insurance plan, we shared information about the highest-scoring plan (or two, in case of a tie).

Some companies may offer plans with additional benefits or lower prices than the plans which scored the highest, so make sure to get travel insurance quotes to see your full range of options.

The factors we scored out of a possible 100 points include the following.

Cost: 30 points. We scored the average cost for each travel insurance policy for a variety of trips and traveler profiles:

• Couple, age 30 for an 8-day trip to Mexico costing $3,000.
• Couple, age 30 for an 8-day trip to Mexico costing $3,000, with CFAR coverage upgrade.
• Couple, age 40, for a 17-day trip to Italy costing $6,000.
• Couple, age 40, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
• Family of four, for a 17-day trip to Italy costing $15,000.
• Family of four, for a 17-day trip to Italy costing $15,000, with CFAR coverage upgrade.
• Couple, age 65, for a 17-day trip to Italy costing $6,000.
• Couple, age 65, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
• Couple, age 70, for an 8-day trip to Mexico trip costing $3,000.
• Couple, age 70, for an 8-day trip to Mexico trip costing $3,000, with CFAR coverage upgrade.

Medical expenses: 15 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with travel medical expense benefits of $250,000 or more per person were given the highest score of 15 points.

Medical evacuation: 15 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 15 points.

“Cancel for any reason” upgrade: 5 points. We gave travel insurance plans with the option of a “cancel for any reason” upgrade 5 points.

Trip interruption travel insurance: 5 points. We gave 5 points to travel insurance plans that offer trip interruption reimbursement of 150% or more.

Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in at 6 hours or less.

Baggage delay required waiting time: 5 points. We gave 5 points to travel insurance policies with baggage delay benefits that kick in at 12 hours or less.

Pre-existing medical condition exclusion waiver: 5 points. We gave policies that cover pre-existing medical conditions if purchased within a required timeline 5 points.

Non-medical evacuation: 5 points. If a policy provides coverage for non-medical evacuation, such as for political or security reasons, we gave it 5 points.

Cancel for work reasons: 5 points. If a plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.

Employment layoff: 5 points. Travel insurance policies that allow you to cancel your trip because of layoff at a company where you have worked for one continuous year were scored 5 points. If a plan requires that you had the job for more than a year to qualify, no points were given.

WorldTrips insurance review FAQs

Yes, WorldTrips offers both annual and group medical insurance plans. 

• Atlas Group medical insurance plans offer a 10% reduced rate for families and groups of five or more when traveling abroad. 
• Atlas MultiTrip insurance is annual travel medical coverage for multiple trips abroad in a period of 364 days. 

Yes, WorldTrips offers travel health insurance for international students. WorldTrips’s Atlas America travel health insurance is for non-U.S residents and citizens who travel internationally to the United States. Atlas America insurance reviews online are overwhelmingly positive, with 96% of reviewers recommending the policy.

WorldTrips considers a pre-existing condition to be an illness, disease or other condition during the lookback period (90 days in most states) immediately prior to your effective date of coverage for which you received or were recommended to receive a test, examination or medical treatment or received a medical prescription. 

WorldTrips will waive the pre-existing conditions exclusion if you purchase your plan within 21 days of the date you made your first payment toward your trip and you are medically able to travel on the date of purchase.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Compare WorldTrips Travel Insurance

• Why You Should Trust Us

WorldTrips Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
• con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
• con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
• con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.
• Travel medical insurance (Premium, Group, Annual, and International Student options)
• Trip cancellation insurance
• Trip protection insurance

WorldTrips Travel Insurance Review: Types of Policies Offered

WorldTrips offers several unique products for travelers, including a dedicated plan for students pursuing study abroad programs. This section will help you understand the different plans available through WorldTrips in either category.

Most plans include COVID-19 coverage by default. Many also allow you to customize the plan to include optional upgrades for additional protection.

Travel medical insurance plans

Atlas Travel

Flagship product Atlas Travel provides travel medical insurance for travelers of various nationalities - a valuable product for anyone seeking financial support while exploring the world. The maximum coverage available through an Atlas Travel plan goes up to $2 million.

It's worth noting Atlas Travel does not cover US citizens and residents. However, US citizens and residents can purchase travel insurance coverage for countries outside the United States under an Atlas International plan. In addition, non-US citizens outside of the United States are also eligible for coverage within the US under the Atlas America plan. The site automatically selects it for the traveler at the time of purchase.

Atlas Premium

Atlas Premium is an upgraded version of Atlas Travel offering more flexibility on deductibles, coverage duration, and coverage maximums. This plan is ideal for several types of travelers, including parents covering an entire family, travelers planning adventurous activities carrying some risk, and people planning luxury or expensive travel.

Atlas Group

Atlas Group offers Atlas Travel benefits at a 10% discount for people traveling in groups of five or more. This policy is ideal for traveler profiles such as youth groups, missionaries, students studying abroad, larger families, and organizations planning international travel.

Atlas MultiTrip

Digital nomads and frequent international travelers can benefit from an Atlas MultiTrip plan. It provides global health coverage for any number of pre-planned or last-minute trips within 364 days, as long as each trip lasts fewer than 30 or 45 days. The duration guidelines vary depending on the coverage selected.

StudentSecure

Students studying abroad can purchase StudentSecure, an international health insurance policy for full-time students and scholars pursuing academic studies outside their home country. StudentSecure comes in four levels of coverage to meet each student's specific needs and meets or exceeds most country or school insurance requirements.

Trip protection insurance plans

Atlas On-The-Go

Atlas On-The-Go covers you if you only need financial reassurance for your travel plans. This trip protection insurance is for US residents traveling worldwide. In addition, it provides medical coverage for unexpected sickness, injury, lost or stolen bags, or travel cancellations.

Atlas Journey

Atlas Journey offers trip protection coverage for US citizens and residents on domestic and international travel. You can choose from three tiers of coverage: Premier, Preferred, or Economy, with up to 150% of trip costs covered in the case of travel interruptions, as well as up to $1 million in medical evacuation expenses.

Additional Coverage Options (Riders)

Buyers can customize many WorldTrips policies to enhance the overall benefits of the insurance plan. Here are some of the available riders and purposes.

Cancel-for-any-reason (CFAR) coverage

Cancel-for-any-reason insurance coverage, often abbreviated as CFAR, is an optional upgrade. It allows you to claim a percentage of your nonrefundable travel costs if you cancel your trip for any reason.

CFAR is available as an add-on on specific WorldTrips policies and can cover either 50% or 75% of your total nonrefundable travel forfeited when you cancel. However, you'll have to purchase CFAR coverage within a specific time limit after your first payment for travel expenses. You must cancel your trip more than 48 hours before the scheduled departure to make an eligible CFAR claim.

Adventure activities coverage

WorldTrips offers additional coverage options for adventurous travelers pursuing risky or challenging activities. This add-on increases your medical and evacuation benefits in the event of an incident.

Pet care coverage

If you're traveling with a pet, this coverage will help cover some of the costs associated with pet travel, including medical expenses if needed.

Rental accommodations coverage

This add-on covers expenses you may incur if your accommodations are double-booked or untenantable.

Rental car coverage

If you rent a car during your travels, you can purchase this add-on to forego the coverage offered at the rental car desk. Note, if you hold a premium credit card with travel benefits, you may already have access to free rental car insurance meeting or exceeding any ceilings offered through WorldTrips, even with this upgrade.

School activities interruption/cancellation coverage

If a school schedule change impacts your travel plans, this add-on will reimburse you for nonrefundable travel expenses associated with the travel cancellation or interruption.

Hunting and fishing cancellation/interruption

This add-on will help defray your cost if changes to your local government restrictions or equipment delays impact your travel plans. Unfortunately, this policy does not cover big game hunting.

Destination wedding cancellation or interruption coverage

This policy add-on protects guests attending a destination wedding. If the couple cancels the wedding or the event is delayed or canceled due to other circumstances, this policy will help cover expenses incurred by the change in plans.

WorldTrips Travel Insurance FAQs

WorldTrips offers excellent travel insurance plans for any traveler but is particularly beneficial for students studying abroad, travelers planning a group trip, or digital nomads looking for continuous medical coverage while abroad.

WorldTrips offers different options to file claims, including mail, online, etc. However, it requires extra paperwork compared to many other travel insurance providers. As a result, the process may be more complicated compared to competitors.

WorldTrips offers a study abroad travel insurance policy called StudentSecure, which covers medical expenses and emergencies while students are abroad.

WorldTrip Travel Insurance Cost

Travel insurance coverage varies greatly, and the amount you pay reflects the range of protection . However, since travel insurance protects your financial investment, it's typically worth spending a few extra dollars for higher coverage maximums, especially for medical insurance and evacuation expenses.

Let's say you're planning a 10-day solo trip in Mexico over the winter holidays with a total cost of $6,000, including a cruise and some potential adventure excursions. Here's what a WorldTrips Atlas Journey insurance plan would cost and include. We have included three different tiers of coverage:

Many WorldTrips policies can be customized with optional add-ons enhancing the overall benefits of the insurance plan. We priced out a number of the available riders based on the hypothetical trip to Mexico and represented the cost of the add-on as a percentage of the estimated trip cost of $6,000.

How to File A Claim with WorldTrips

Unfortunately, the WorldTrips claim filing process leaves much to be desired. WorldTrips customers need to keep their travel insurance policy handy to know which claims process to follow.

You'll also need to have some other information on hand, such as whether or not a medical provider would bill WorldTrips directly on your behalf or if you have to pay out of pocket at the time of your service.

Atlas Travel, Atlas Premium, Atlas Group, Atlas MultiTrip, and StudentSecure travel medical insurance

If you hold a policy under one of the travel medical insurance products above, here's the step-by-step guide you'll reference when submitting a claim. You can submit your claim via email or regular mail using the following contact information:

Email: [email protected]

Mail: WorldTrips

Claims Department

Farmington Hills, MI 48333-2005

You can also submit your claim electronically through your customer portal: Client Zone for most policyholders and Student Zone for students.

Atlas Journey and Atlas On-The-Go trip protection insurance

If you have an Atlas Journey or Atlas On-The-Go plan, you'll reference the "submit a claim" section of this FAQ for the relevant forms you'll need to complete and the supporting documentation for your claim.

You can submit your claimant's statement and authorization form via your customer portal ( Client Zone for most policyholders or Student Zone for students). Buyers can also use the WorldTrips Online service page and select "submitting a claim or an appeal" from the dropdown menu under the "contact us" header at the top of the page.

If you prefer to submit your claim through email or regular mail, the contact information is as follows:

If you can't access the required forms online, contact WorldTrips to have the documents faxed, emailed, or mailed.

If you're a student, you must submit additional documents for your claim proving you are a full-time student. Having the proper records can make your claim much less frustrating.

Deborah from California posted on Squaremouth , "When we returned home I called WORLD TRIPS and they said that I must file a claim with the airline first and then once that claim was adjudicated to file a claim with WORLD TRIP. I haven't gone back to read the policy terms but didn't think that this WORLD TRIP was secondary to other sources of recovery."

See how WorldTrips Travel Insurance stacks up against the competition. 

WorldTrips Travel Insurance vs. Nationwide Travel Insurance

WorldTrips compares favorably to Nationwide . While Nationwide is also a reputable insurance provider with great reviews, the company offers just two standard plans customizable with unique add-ons. Nationwide does offer some of the most affordable travel insurance rates with a large and recognizable company name behind it. However, unique add-ons like sports equipment and pet coverage are not available.

Thus, travelers seeking more customized travel protection may prefer the unique plans offered through WorldTrips, especially those looking for specialized coverage for destination weddings, group travel, study abroad programs, and more. On the other hand, travelers without special coverage needs looking for cheap travel insurance may want to stick with Nationwide.

Karen S posted about her trip to Turks & Caicos on insuremytrip.com, saying, "It was easy to find a plan with the coverage that I needed. My travel companion is my 92-year-old mother so it was imperative that I have the best coverage at a reasonable cost."

Nationwide Travel Insurance Review

WorldTrips Travel Insurance vs. Berkshire Hathaway Travel Insurance

WorldTrips and Berkshire Hathaway are well-known insurance companies in the travel protection industry, offering various plans to meet the needs of any traveler. If you're planning a particular trip with multiple variables, WorldTrips has more customizable options with different types of add-ons and upgrades. However, Berkshire Hathaway offers a significantly easier claim filing process through its proprietary app, which can help you submit photos and other evidence for your claim in just a few seconds.

Both companies have customer reviews suggesting coverage provides peace of mind. But claims filing gets mixed reviews.

Berkshire Hathaway Travel Insurance Review

Why You Should Trust Us: What Went into Our WorldTrips Travel Insurance Review

We evaluated WorldTrips against the best travel insurance companies by comparing the options offered, customizations available, coverage ceilings, and ease of filing a claim. A licensed insurance agent reviews our articles. Our rating system is available to read in-depth here .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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WorldTrips Travel Insurance Review — Is It Worth It?

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Who Can Get WorldTrips Travel Insurance?

Worldtrips atlas journey travel insurance coverage types and benefits, pre-existing conditions, covid-19 coverage, worldtrips travel insurance economy plan, worldtrips travel insurance preferred plan, worldtrips travel insurance premier plan, atlas on-the-go insurance, atlas journey plans, atlas travel plans, worldtrips travel insurance vs. competitors, worldtrips travel insurance vs. credit card insurance, tips for ensuring a smooth claim process, final thoughts.

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Planning trips is fun. Reading about travel insurance for them isn’t. But a little effort to plan for problems during your upcoming vacation can make a big difference.

WorldTrips provides multiple types of travel insurance, ranging from minimalist policies with just medical insurance to full-scale policies that cover anything that might go wrong during your next family vacation. The insurer also offers add-ons that most competitors lack, such as policies for students studying abroad, special provisions for hunting and fishing trips, veterinary emergencies, school activities that force you to delay your vacation, and even coverage for destination weddings when the bride or groom calls it off.

However, you may be surprised that rental car protections are only available as an add-on to WorldTrips plans, and you’ll need the most expensive plan if you want to add coverage for pre-existing medical conditions.

Here’s a look at the various travel insurance plans from WorldTrips and whether the costs are worth it.

Before understanding who can get a plan, it’s essential to understand the different types of travel insurance plans available from WorldTrips.

Atlas Travel plans are available for citizens and residents of numerous countries when traveling internationally. Conversely, Atlas Journey plans are available only to U.S. citizens and residents, covering domestic and international travel. Atlas Journey plans are geared primarily toward trip delay and cancellation benefits, while Atlas Travel plans are focused primarily on medical coverage. However, they share some crossover benefits.

WorldTrips also has travel insurance policies that aren’t focused on typical tourists. StudentSecure plans provide injury and illness coverage for those studying abroad. Atlas MultiTrip plans provide coverage for 364 days, covering trips up to 30 or 45 days each (depending on the plan you choose), and Atlas Group plans can provide up to a 10% discount if you’re traveling in a group of 5 or more people.

Additionally, WorldTrips Atlas Travel plans can provide medical coverage for those doing overseas volunteer or missionary work.

What Does WorldTrips Travel Insurance Include?

WorldTrips offers multiple types of travel insurance policies. Atlas Travel plans are available only for international trips (open to residents of many countries) and primarily focus on medical coverage. With these plans, you’ll choose your preferred deductible and maximum coverage limit, then provide your age and destination.

U.S.-based travelers have access to Atlas Journey plans. These cover domestic and international trips and are what you likely think of when considering travel insurance. We’ll analyze these in depth in the article and then cover the medical-focused Atlas Travel plans near the end.

To know what you’re looking for in a travel insurance policy, you should first understand what the types of coverage are:

• Trip Cancellation Insurance: Covers prepaid, non-refundable expenses when you cancel a trip for covered reasons like sickness, injury, or death of a family member.
• Trip Interruption: Reimburses prepaid, non-refundable expenses if you miss part of a trip or have to end a trip early due to covered reasons like weather, jury duty, or injury.
• Travel Delay: Applies to additional expenses incurred for delays of 5+ hours, covering accommodation, meals, and local transport costs.
• Travel Inconvenience: Applies when one of the following occurs: your return home is delayed and causes you to miss 2 or more days of work, your flight must land 50+ miles from the original destination, there’s a documented security breach causing delays at your departure terminal, you’re a victim of a verified physical assault, your credit/debit card is canceled for reasons beyond your control, or your travel documents are stolen and can’t be replaced locally.
• Emergency Accident and Sickness Medical Expense: Covers losses due to medical and dental emergencies. This is secondary coverage except on the Premier plan.
• Medical Evacuation and Repatriation of Remains: Covers medically necessary transportation and care en route when you’re ill or injured and don’t have access to appropriate care in the immediate area. You also can be covered for repatriation to your home or other U.S. city with appropriate care, requiring prior approval.
• Baggage Damage or Loss: Provides reimbursement for loss, damage, or theft of personal effects in excess of other insurance, such as homeowners’ or airline baggage policies.
• Baggage Delay: Provides reimbursement for covered expenses after 12+ hours of baggage delay at your destination. Covered expenses include necessary clothing, laundry, toiletries, and costs for retrieving your baggage. Coverage ends when your luggage is retrieved or you return home — whichever is first.
• Missed Connection: Can reimburse expenses related to missed cruises, tours, flights, or trip departures due to 3+ hours of delays. Covered delays include weather, carrier problems, strikes, quarantines, and more. Expenses cover costs to catch up with your trip or money lost from missing the trip.
• Airline Cancellation or Reissue Fees: Reimburses costs for changing or canceling tickets after interruptions or canceled flights. This coverage applies to costs after any refunds or vouchers you receive.
• Travel Assistance Services: Provides 24/7 assistance services like security advice, coordination of medical benefits, interpreters, legal referrals, and referrals for needs during emergencies. Note that you may have costs for services you use from these referrals.

It’s also important to note that each section has rules and restrictions about which costs are covered, when coverage applies, and other terms you must follow.

Optional Add-ons to Atlas Journey Plans

You’ll see options for additional coverage depending on the base plan you select:

• Cancel for Any Reason Coverage (CFAR): This add-on policy covers up to 75% of your losses if you cancel for reasons not covered in other sections of your policy, so long as you purchase within 21 days of your first deposit and cancel 48+ hours before the trip. This add-on isn’t available for Economy plans.
• Interruption for Any Reason: Provides reimbursement for 50% of non-refundable trip costs after a trip is interrupted for non-covered reasons. WorldTrips says, “No questions asked” on this coverage. This add-on is available for Premier plans only.
• Pre-existing Conditions: Requires purchasing a policy within 21 days of the initial deposit and covers pre-existing conditions that have a change in treatment or that make you unable to travel.
• Adventure Sports: Provides coverage for leisure, non-professional sports like bungee jumping, scuba diving, and mountain climbing up to 7,000 meters, as well as safari activities. This add-on is available for all plan levels.
• Rental Car Damage and Theft: Requires a $250 deductible; afterward, provides rental car coverage for collision, theft, and damage beyond your control. You must be authorized to drive at the destination and listed on the rental policy. This add-on is available for all plan levels.
• Pet Care: Provides reimbursement for a trip canceled due to the death or critical illness of your dog or cat within 7 days of trip departure. Provides up to $250 in coverage for boarding fees if your return home is delayed for a covered reason and up to $500 for emergency veterinary care for a pet traveling with you. This add-on is available with all plan types.
• Rental Accommodations Protection: Covers trip interruptions if you can’t access your vacation rental property for 12+ hours or if your property is unsuitable or not as described on arrival. It’s available on all plan levels.
• School Activities: Provides cancellation coverage for trips you must cancel due to school activities like exams or sporting events beyond standard season dates. This coverage also applies to study abroad, volunteer, or philanthropic programs. This add-on is available for all plan levels.
• Hunting and Fishing: Covers canceled and interrupted trips related to changes in government regulations or delays of 24+ hours in receiving your necessary equipment. This coverage also applies to theft, damage, and destruction of your essential equipment and trips where your guide or traveling companion becomes medically unfit to participate. This add-on is available for all plan levels.
• Destination Wedding: Provides reimbursement for lost funds when you plan to attend a wedding and then it’s canceled. Coverage also applies to canceled flights, flights forced to land 50+ miles from the intended airport, and flight delays of 12+ hours. This add-on isn’t available for Economy plans.
• Security/Terrorism: This covers cancellations due to terrorist events at your destination or trip interruption for riots/civil unrest lasting 12+ hours. It also can provide ransom payments or security assistance for kidnapping. However, it doesn’t cover countries like Mali, Afghanistan, Syria, or others excluded from the policy. It’s available on all plan levels.
• Primary Medical Coverage: This paid upgrade to Preferred plans makes the emergency medical and dental benefits primary coverage rather than secondary.
• Primary Baggage Coverage: This makes baggage coverage primary rather than secondary. This is available on all plan levels.

It’s also possible to upgrade your maximum coverage limits on certain benefits. These include baggage loss and upgrading benefits from secondary to primary coverage.

Few companies offer kidnapping ransom, destination wedding, or school activity coverage. If these are concerns for your upcoming trip, WorldTrips can make sense over competitors that lack these protections.

Take note that rental car protection isn’t included in any plans — not even the Premier plan. It’s available for an additional cost, but this reinforces the importance of using a good credit card that provides built-in rental car protections .

When purchasing an Atlas Journey plan, this coverage is included if you purchase your plan within 21 days of your initial trip payment.

Atlas and StudentSecure plans purchased on or after February 2, 2023, include coverage for medical expenses related to COVID-19.

Comparison of WorldTrips Atlas Journey Travel Insurance Plans

There are several coverages that are the same across all 3 plans :

• Coverage for Pre-existing Medical Conditions — Included if conditions are met and policy is purchased within 21 days of initial deposit
• 24/7 Travel Assistance Services — Included
• Adventure Sports Medical Coverage — Available add-on service; average cost $44
• Pet Care — Available add-on service; average cost $10
• Rental Car Damage and Theft — Available add-on service; average cost $50
• Rental Accommodation Protection — Available add-on service; average cost $21
• School Activities Protection — Available add-on service; average cost $16
• Hunting and Fishing Protection — Available add-on service; average cost of $20

This is the most inexpensive plan but still covers the essentials. You can be reimbursed for canceled, interrupted, and delayed trips and get reimbursed for sicknesses, injuries, and even delayed bags. Numerous add-ons can improve this plan, though the cost will increase.

This intermediate plan offers more coverage and higher cover limits than the Economy plan but costs more. This plan has additional add-on options, and it’s the lowest plan with an option for CFAR coverage.

The most expensive plan also offers the most robust coverage — in terms of types and values. It’s the only plan with an option to add coverage for pre-existing conditions, though many options remain add-ons and aren’t included in this plan (such as rental car coverage).

None of the Atlas Journey plans include rental car protections. Those are available as an add-on, however.

WorldTrips provides another travel insurance plan called On-The-Go . It’s only available to U.S. residents and covers non-refundable trip costs, lost or damaged personal items (including luggage), and medical expenses (including COVID-19).

You can be covered for trip interruption, travel delays, missed connections, and emergency medical expenses. However, you won’t be covered for trip cancellation and cannot add coverage for pre-existing conditions or CFAR.

How Much Does WorldTrips Travel Insurance Cost?

Let’s price some sample plans to see how they cost. This will give you a better idea of whether these plans fit your budget.

These plans are available to U.S. residents and citizens and cover domestic and international trips.

These plans are available to residents of numerous countries and only cover international trips.

Notice there is a high additional cost for elderly travelers . Also, your maximum coverage amount is lower for people aged 60 and above.

Since Atlas Travel plans primarily focus on medical coverage, you don’t need to provide your trip cost when getting a quote. These plans can make sense if you’re OK with minimal trip protections while ensuring you’re covered for possible injuries during a trip. You can choose from several options for a maximum coverage amount and deductible payment for your claims.

These plans are focused on medical coverage during international trips. If you aren’t worried about expenses for delays or cancellations, you could potentially save money by purchasing an Atlas Travel plan. These especially make sense for last-minute trips where your odds of cancellations are low.

As these plans have maximum coverage amounts and don’t cover trip cancellation, they’re cheaper. This can be a good option if your trip is unlikely to be canceled and you want protection for your stuff and your health during a vacation. As long as you’re a U.S. resident, plans are available for both international and domestic travel.

How WorldTrips Travel Insurance Compares To Other Options

Part of shopping for trip insurance is understanding what you get and how much it costs. The other part is understanding how this compares to competitors. What are companies like Generali Global Assistance and Nationwide charging for similar plans? Here’s a comparison of costs.

We priced a 1-week itinerary for 2 travelers (ages 40 and 39) going to Colombia in November 2023. The cost for the trip was estimated at $3,000, and the first trip deposit was made in the last 24 hours. Squaremouth provided these comparison costs.

The WorldTrips plan had the middle cost of the 3 .

All 3 plans included COVID-19 coverage; all 3 provided the same trip cancellation benefits and the same medical evacuation benefits . However, WorldTrips and Nationwide had lower maximums for emergency medical benefits than Generali, and WorldTrips also had the lowest maximum benefit for trip interruption .

WorldTrips has a competitive cost against similar plans from other providers. You’ll see similar coverage types and maximum payouts in some areas. However, you’ll see lower benefits for emergency medical and trip interruption than more expensive options. Consider these numbers and how important they are.

You may be surprised that your credit card could provide some of the same travel insurance . This could help you save money by not needing to buy a separate policy.

However, when the coverage goes into effect varies. Some credit cards require you to pay for the entire trip (including round-trip tickets, not one-way) with that card to trigger the protections. Others go into effect by paying just a portion of the trip with that card. It’s important to understand exactly what your card offers and when it’s available to determine if those protections are sufficient.

Here’s a look at how WorldTrips’ Atlas Journey Premier plan compares to coverage with The Platinum Card ® from American Express , Capital One Venture X Rewards Credit Card , Chase Sapphire Preferred ® Card , and Chase Sapphire Reserve ® .

WorldTrips’ Premier plan has lower trip delay, lower lost luggage, and lower accidental death and dismemberment benefit maximums than you may get with premium credit cards. However, WorldTrips’ top plan has better baggage delay protections and offers the best protections for emergency medical and emergency evacuation.

Even before your trip, you should think about “what if something goes wrong” and have a plan. That includes buying your plan within required deadlines (based on initial and final trip payments) and keeping receipts for every expense. Keep receipts for flights, hotels, rental cars, meals during trip delays, and even a toothbrush while waiting for delayed luggage. Keep it all.

You also should read the policy documents before and after buying a plan. These will help you know precisely what is and isn’t covered. For instance, destination wedding coverage can be handy if the wedding gets called off, but the policy’s fine print will tell you you’re not covered if you’re the bride or groom.

Keeping a paper trail and knowing what is (and isn’t) covered will ensure a smoother claim process because you’ll avoid submitting unnecessary claims and will avoid unnecessary delays during the evaluation process. It also helps you know what’s covered before you swipe your card for expenses during a delay.

If you need to submit a claim, WorldTrips has a “How the claims process works” page , and it includes instructions on what to do, what forms you need, and how the claims process varies based on whether your trip was inside or outside the U.S. It also provides information on how medical facilities can direct bill WorldTrips, which can save you the hassle of paying and then waiting for reimbursement.

No one likes to think about emergencies when planning an exciting holiday. However, planning for emergencies can reduce stress and costs should something go wrong. WorldTrips offers several types of travel insurance, covering all your bases or potential medical expenses. The sheer variety of options provides more potential coverage types than many competitors.

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the baggage insurance plan benefit of the Amex Platinum card, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of the Amex Platinum card, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the premium global assist hotline benefit of the Amex Platinum card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, card members may be responsible for the costs charged by third-party service providers.

For the trip delay insurance benefit of the Amex Platinum card, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of the Amex Platinum card, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is worldtrips legit.

WorldTrips has been around since 1879 and operates in 180 countries. It’s headquartered in Houston, Texas, has excellent financial strength ratings from multiple credit rating organizations.

 How do I contact WorldTrips insurance?

In the U.S., you can call 800-605-2282. From outside the U.S., call collect to 317-262-2132.

How do I submit a claim to Worldtrips?

Within the member portal (formerly the Client Zone), you can access the claimant form, fill it out, and then upload all of your documents electronically. It’s also possible to bill WorldTrips directly for medical expenses.

How do I cancel my Worldtrips policy?

Send an email to [email protected] to cancel your travel insurance policy. You must submit your request prior to the policy’s effective date to receive a refund.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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Atlas America Insurance and Atlas International Insurance Cover You Wherever You Go

Atlas Insurance comes in two options. Atlas International provides coverage outside the USA, while Atlas America Insurance covers people whose travels will include the USA. Each plan will also meet and exceed most visa and immigration requirements around the world.

If you are planning to travel abroad for six months or less, the single trip Atlas Travel Insurance Plan will provide you with the coverage you need. The Atlas Travel series plan can be used anywhere outside of your home country, so your trip can include multiple destinations. You can also easily extend coverage online or by phone if you need to extend your trip.

Atlas Travel Insurance Highlights

Emergency medical coverage.

WorldTrips covers costs up to the medical maximum selected for medical care abroad.

Deductible Options

Travelers have the option to purchase an Atlas Travel plan with a $0, $100, $250, $500, $1,000, $2,500, or $5,000 deductible.

Trip Interruption Benefits

Atlas Travel offers members up to $10,000 for an interrupted trip.

Pre-Existing Conditions

Travelers under 80 can be covered for an acute onset of a pre-existing condition.

Sports Coverage

Injuries that occur while participating in adventure sports such as skiing and mountaineering are eligible for coverage.

Emergency Medical Evacuation

Atlas Travel will cover transport costs for travelers from the initial treating facility to the nearest qualified hospital.

Are you ready to purchase an Atlas Travel plan?

Click to get a free quote and apply and buy online today!

WorldTrips Atlas Insurance Benefits

Atlas Travel Insurance offers some of the most customizable travel insurance plans available. Whether you purchase Atlas International (for people outside of the US) or Atlas America Insurance (for people whose travel includes the USA), you will have the ability to customize your deductible, your coverage length and your coverage maximum.

Read the full schedule of benefits on page 3 of the Atlas Travel brochure.

Overall Maximum Limits, Deductibles, and Coinsurance Options

Medical benefits and limits, emergency travel benefits and limits, why choose atlas travel medical insurance.

Many times the primary medical insurance in your home country will not cover you while traveling abroad. Also, it will not provide important services, perhaps essential ones, in the event of an illness or injury. Atlas Insurance includes crucial features such as translation assistance while being treated, doctor and hospital referrals, and assistance replacing lost prescriptions.

WorldTrips , the plan administrator, provides 24/7 customer service for our Atlas Travel Medical insurance members. They also many other services you'll need if you run into difficulty while abroad, from simple things such as lost luggage to a crisis like a terrorist attack. In the event of medical emergencies, political evacuations, and natural disasters, WorldTrips will provide you with assistance in making emergency travel arrangements.

How Much Does an Atlas Travel Insurance Plan Cost?

The Atlas International and America Insurance plans are relatively inexpensive per day. Your plan costs will increase with a lower deductible and increase with a higher deductible.

Atlas International Insurance Premiums - Traveling Outside the United States (Cost per Day)

If traveling outside the United States, use these rates for the Atlas International plan. This includes U.S. citizens traveling overseas and persons traveling between countries, i.e., a citizen of India traveling to the United Kingdom.

Rates last updated on March 4, 2024

Atlas America Insurance Premiums - Traveling in the United States (Cost per Day)

If you are traveling to, temporarily residing in, or visiting the United States, please use these rates for the Atlas America Insurance plan.

Eligibility Requirements for a WorldTrips Atlas Insurance Plan

Individuals who are traveling outside of their home country and are at least 14 days old are eligible for coverage. If you are under age 65, you may select an Overall Maximum Limit ranging from $50,000 to $2,000,000. If you are age 65 to 79, the Overall Maximum Limit available is $100,000. If you are age 80 or older, the Overall Maximum Limit available is $10,000. The minimum coverage period is 15 days and the maximum coverage period is 12 months. You may purchase coverage in a combination of monthly and 15-day increments, depending on your needs.

Atlas Travel FAQs

When does my atlas travel medical insurance coverage become effective and when does it end.

Your coverage becomes effective on the latest of the following dates:

• the date WorldTrips receives your application and correct premium,
• the moment you depart from your home country
• or the date requested on your application.

Your coverage will end on the earliest of the following dates:

• the end of the period for which you have paid a premium,
• the date requested on your application
• or the moment you return back to your home country.

Does WorldTrips Atlas Insurance provide any home country coverage?

Yes, both Atlas International Insurance and Atlas America Insurance provide limited home country coverage. This benefit will provide for a set number of days of coverage for travelers if they return home for a period of time during their trip abroad. Policies with Home Country Coverage typically cover medical benefits related to a new illness or injury incurred during an incidental trip back to a traveler's home country. 

You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.

U.S. home country:

• For every three-month period you are covered, eligible medical expenses incurred in the U.S. are covered up to 15 days. Non-U.S. home country:
• For every three-month period during which you are covered, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.

Should you change your home country's location during the certificate period, you must notify us of such change within fifteen (15) days. Your new home country will govern the terms of any home country or incidental home country coverage. Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or your return to your home country to obtain treatment for an illness or injury that began while traveling shall void any incidental home country coverage.

Am I able to extend or renew my Atlas Travel insurance coverage?

After your initial purchase, you may extend your coverage up to a maximum of 364 days. So long as your coverage is continuous, your deductible, coinsurance and benefit limits will not reset. After your initial term, you can purchase a new policy if you decide to continue to travel abroad.

Extensions must be made online in WorldTrips' Client Zone. Payment must be made by credit card.

Which Atlas Travel medical insurance plan should I purchase?

If you are a U.S. citizen traveling abroad for twelve months or less, or a non-U.S. citizen traveling to a country other than the United States, you should purchase Atlas International Insurance . The Atlas International plan provides coverage and travel benefits for travelers traveling abroad but not visiting the USA.

If you are a non-U.S. citizen traveling to the United States (including Puerto Rico and the U.S. Virgin Islands) for twelve months or less, you should purchase Atlas America Insurance . For any visitor to the USA, Atlas America provides comprehensive travel insurance and emergency medical benefits. Your travel can also include additional countries and you will be covered worldwide.

Start by Requesting a Quote to get coverage and pricing for your plan.

How do I add countries to my Atlas Travel Insurance plan?

New countries can be added to your Atlas Travel Insurance plan via WorldTrips' Client Zone. A new visa letter can be printed listing the various countries. However, it is not required that you list every country that you may visit during your trip. You should list the countries where you will travel to as primary destinations in your initial application.

Please note: The Atlas International plan will provide worldwide coverage and benefits for travel to all countries worldwide except for travel to the USA. If you are traveling to the USA, you should purchase the Atlas America plan, which includes coverage and benefits in the USA. 

Can I purchase an Atlas Group Travel Insurance Policy?

The Atlas Group plan is available for small or large groups traveling abroad for 5 days to a year. The group plan is available to employer groups, non-profit organizations, students, and others. The coverage and benefits are the same. 

There is an easy-to-use online quote tool (link below). Once you find the level of coverage desired, you can move forward to purchase coverage. You will be asked for details on each applicant, including their date of birth along with other details.

Atlas Group Travel Insurance Quote and Buy

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Reviews 4.2.

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Bills not paid even in 7 months after…

Bills not paid even in 7 months after submission Bill submitted on 08/22/2023 have not been paid so far upto 03/202014—210 days —- 7 month Request you to investigate who is sleeping on them What compensation you want to give me ??

Date of experience : March 20, 2024

Reply from WorldTrips

Hello. We apologize for the inconvenience you have experienced. Our team is actively looking into this and will provide an update as soon as possible. Thank you.

I Have used World Trips twice now and I…

I Have used World Trips twice now and I am very satisfied with the service. Easy to complete requirements, no hassle insurance. Extremely satisfied but have not made a claim yet.

Date of experience : March 01, 2024

Hello, Valerie. Thank you for taking the time to leave your thoughtful review. We are happy to hear that you have had great experiences with us and we look forward to going on many more adventures with you! Thank you for choosing WorldTrips and for being a loyal customer. Safe travels!

Website very very very slow.

The worldtrips website has been agonizingly slow. Please address this as I have 2 trips where I am using worldtrips. It was not this slow before. I will probably get my next insurance if this will continue for another month. I have been happy in the past but this experience of waiting so long for the website to load is too frustrating.

Date of experience : March 08, 2024

Hello, Adrian. We apologize for any inconvenience this may have caused and appreciate you bringing this to our attention. Our team is actively working on making our website quicker and more user-friendly. We understand your frustration and hope you will bear with us during this transition time. In the meantime, we wish you safe travels on your upcoming trip! Thank you.

I feel safe with world trips

I feel safe with world trips and the service they provide! I use them every time I’m travel abroad. Excellent upgrade options and additional added extras for a small fee. Now in the event I take a fall or twist my ankle it’s reassuring to know I have quality health insurance benefits available to me.

Date of experience : February 22, 2024

Hello - We appreciate you taking the time to leave a review! It is great to hear that you have enjoyed traveling with us. Thank you for choosing WorldTrips! We look forward to joining you on your future adventures. Safe travels.

Please Don't Use WorldTrips

I submitted a claim in July after having to go to the emergency room on July 2nd. Despite providing all the documentation I was given, my claim was rejected for not enough documentation & they logged the date as July 1st. I filed 2 appeals, but they don't show up on the website, and I haven't heard back from World Trips. I try to contact them via email: no response, try to call: Number unavailable. So now coming up on 9 months. The whole point of insurance is if you have a freak accident, and need to go the hospital, you're covered. No responses. No help. No coverage. So essentially, the monthly payments are for nothing; this is a scam.

Date of experience : March 15, 2024

Hello, Ben. We sincerely apologize for the inconvenience you have experienced and appreciate you bringing this to our attention. Our team is actively looking into this and will provide an update as soon as possible. You should expect to hear from us in the next 3-5 business days.

Regular client

Easy to do business with over a number of trips. No claims filed to date from any booking but seems a straightforward process. Will continue to use!

Date of experience : March 07, 2024

Hello, John. Thank you for taking the time to leave a review! We are happy to hear that you have had a great experience with us so far. Safe travels and enjoy your trip!

Please do not buy insurance from this…

Please do not buy insurance from this company/agent; they are not what they say. I purchased a six-month insurance plan from them and followed the procedures on their platform to claim medical expenses. However, they have not responded; it has been two months since I submitted the claim, yet they have neither accepted nor rejected it.

Date of experience : March 14, 2024

Hello. We apologize for any inconvenience you have experienced and appreciate you bringing this to our attention. Our team looked into this and has provided the following update: Your claim has been processed per the terms and conditions of your purchased policy. You will receive an Explanation of Benefits in 15-20 business days. Additionally, you can always check your claim status and see your Explanation of Benefits via the Member Portal at https://worldtrips.my.site.com/MemberPortal/s/login/ If you have any further questions or concerns, please contact us at [email protected] with your name and policy number. We will be happy to assist you!

Great experience

Great experience. User friendly. Only two complaints: 1) I am still waiting for an email reply from WorldTrips after sending a query through to your Sales email address a bit more than two days ago. 2) The fact that I don't receive the visa letters on behalf of travellers when I book Group Travel Cover is very inconvenient, especially since we organise all visa documentation, travel insurance, flight tickets etc. centrally and then distribute to the travellers so that they can go apply for their visas. It seems like at the moment each traveller in the group has to register on your portal, log in, download and print out their own visa letter. This doesn't work well, especially in the African context. I know there are privacy considerations, but please consider a solution for travel planners/consultants who book group travel cover and do travel planning as described above. It would be great if I could have received a copy of the group policy AND all visa letters for the travellers in the group. Regards, Stephen

Date of experience : March 06, 2024

Hi Stephen. Thank you for your feedback - It is greatly appreciated! We apologize for the inconvenience you have experienced. We do not usually send visa letters for a group as each group member needs to log into the Member Portal to get their own visa letter. It is also best for you to try to help the policyholders make their own accounts as this is how they will file any claims in the future. However, it is acceptable for the group administrator (if they have permission from their travelers) to create one Member Portal account, add each policy number to the account, and then download the visa letters for their travelers. As a one-time exception, our team has downloaded all of the policies for you and will send them via email. Please look out for an email from “WorldTrips Reviews.” For security purposes, going forward, each policy must be downloaded in one of the two ways previously mentioned. If anyone is interested in any other versions of the documents, please direct them to the Member Portal to download their documents individually: https://worldtrips.my.site.com/MemberPortal/s/login/ If you have any further questions, please reach out to us at [email protected] with your name and the policy number(s). We will be happy to assist you.

Every request

Knowledgeable, efficient, courteous, flexible staff helped with every question and request!

Date of experience : March 16, 2024

Outstanding customer care in purchasing insurance

Every customer service rep was extremely knowledgeable, kind and helpful. Your reps demystified the process of purchasing trip insurance, medical coverage, primary and secondary coverage, working with credit card trip insurance benefits etc. So I will use your firm from now on and we travel a lot. Easy to use website! Had a tech issue and solved kindly and quickly too (was a dumb mistake on my part). Thank you! Jim Schleif - MKE

Date of experience : February 16, 2024

Hi James! Thank you for taking the time to share your experience with us. Our team is always happy to help answer your questions and we are happy to hear that your tech issue was resolved quickly. We look forward to joining you on your future travels!

Easy and Reliable

Never got travel insurance before, but it was way more affordable than I thought! The process was so easy, I feel like I have less to worry about airlines pulling the rug out from under me.

Date of experience : February 20, 2024

Hello, Neal. We appreciate your feedback and are happy to hear that you had a great experience with us. Thank you for choosing WorldTrips. We hope to join you on your next adventure!

Peace of Mind.....

Using World Trips insurance brings peace of mind - just in case (god-forbid) any medical issues are incurred. This is not my first time to use WorldTrips, and while I have not yet made any claims - peace of mind comes from knowing that it is better to have and not need, than to need and not have!

Hi Glenn. We are happy to hear that you are pleased with our services. Thank you for taking the time to leave a review and for being a loyal WorldTrips customer! We look forward to joining you on your future adventures.

Very easy to deal with, small charge to have a live agent complete your booking which l prefer. e your

Great customer service, l called from South East Asia so make sure you call during US eastern time office hours. 💚

Date of experience : February 23, 2024

Hello, Sean. We appreciate you taking the time to leave a review and we are happy to hear that you had a great experience with us. Thank you for being a loyal WorldTrips customer. We hope to join you on your future adventures!

World Trips - good rates and peace of mind

World Trips has an easy process to purchase health insurance for travelers. They list what’s covered. They have a variety of options based on deductibles and other options. I find their pricing to be reasonable. I haven’t needed to use their insurance but it gives me a peace of mind that I am covered when I travel overseas.

Date of experience : February 11, 2024

Hi Rocky. We appreciate you taking the time to leave a review! We are happy to hear that you had a great experience with us and were able to find what you were looking for. Thank you for being a loyal WorldTrips customer!

The fast service and pricing.

Simple and easy to choose products and….

Simple and easy to choose products and quick email with supporting documents

Date of experience : February 29, 2024

Hello, James. Thank you for taking the time to share your feedback. We are happy to hear that you enjoyed your experience with us. Thank you for choosing WorldTrips!

To the point

To the point, easy to follow, reasonable pricing and never had a problem with previous occasions when I have insured with you.

Hello, Rosie. We appreciate you taking the time to share your feedback with us and are pleased to hear that your experiences have been so positive. Thank you for being a loyal WorldTrips customer. Safe travels on your upcoming trip!

The only company I have ever used for…

The only company I have ever used for my world travels. I have not, fortunately, had to use their services and honestly I just as soon keep it that way. 🙌🏼 I have checked prices on other popular sites that “advertise” lower prices in their ads but when you go apples to apples Worldtrips always comes out cheaper.

Date of experience : January 26, 2024

Hi Michael. Thank you for taking the time to leave a review! We appreciate your kindness and look forward to serving you in the future!

F1 Visa and B1/B2 visa holders must have Insurance

As an international student coordinator, I have been using WorldTrips Student Secure Insurance for the F1 visa holders and group travelers of B1/B2 visas. Policy is very clear and easy; quick to access to the documents. The claim was simply accepted as one student was ended up in Emergency Room due to unknown allergy and itch years ago.

Date of experience : January 24, 2024

Hi Frances. Thank you for taking the time to share your experience with us! We are happy to hear that you have been using StudentSecure and that everything has been quick and easy. We look forward to continuing to serve you!

Easy and good coverage

Easy and good coverage. Would have been more convenient if I could have paid at the time I received my quote vs having to schedule it in my calendar for the day my parents arrived. It’s a hassle and could be overlooked- there should be an easier way.

Date of experience : January 30, 2024