WorldTrips travel insurance review: 4.7 out of 5 stars

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WorldTrips is a top-rated travel insurance provider that offers flexible policy options and strong financial stability. Learn more about its coverage limits, plan costs, and add-ons in our WorldTrips travel insurance review.

Best travel insurance title: Best for financial reliability

WorldTrips received excellent scores in our comparison of popular U.S.-marketed travel insurance companies, placing in the top three. Compared to other companies, WorldTrips was among the best in terms of financial stability, earning an A++ (Superior) Financial Strength Rating from AM Best.

WorldTrips travel insurance pros and cons

Has an A++ (Superior) Financial Strength Rating from AM Best

Offers high medical coverage limits of up to $250,000

You have a full 21 days from your initial trip deposit to include a preexisting conditions exclusion waiver (on certain plans)

You can receive up to 75% back with WorldTrips CFAR insurance

You can only select an annual plan for medical coverage

Telehealth consultations are only available with a Travel Medical Plan

Claims processing times are somewhat vague

What does WorldTrips travel insurance cover?

This is a general overview of the different types of coverage you can expect from WorldTrips.

Trip cancellation: Covers up to the trip cost if you cancel for a covered reason.

Trip interruption: Often covers more than the trip cost if you interrupt your travels for a covered reason.

Travel delay: Provides up to a set limit per day (with a maximum overall limit) for covered travel delays.

Missed connection: Provides up to a certain amount if you miss a travel connection for a covered reason.

Airline reissue or cancellation fees: Provides up to a certain amount to help cover airline reissue or cancellation fees.

Reinstate frequent traveler awards: Helps cover any fees for reinstating frequent traveler awards, points, or miles.

Single occupancy coverage: Helps cover increased travel costs if a travel companion cancels their trip.

Travel assistance services: Provides 24/7 support for emergency travel arrangements, translator referrals, legal referrals, and more.

Accidental death and dismemberment: Provides up to a certain amount for covered situations involving accidental death and dismemberment.

Emergency accident and sickness medical expense: Covers emergency medical care while traveling.

Dental expense: Covers emergency dental expenses while traveling.

Medical evacuation and repatriation of remains: Covers necessary medical evacuation and repatriation expenses.

Baggage damage or loss: Provides up to a specified amount for covered losses when your baggage is lost, damaged, or stolen.

Baggage delay: Provides up to a certain amount for reasonable expenses when experiencing covered baggage delays.

Cancel for any reason (CFAR): With CFAR coverage, you can receive up to 75% of your trip costs back if you cancel due to a non-covered reason.

Adventure sports: Extends your insurance coverage to also include activities such as bungee jumping, hang gliding, safaris, and more.

Rental car damage and theft: Adds a collision damage waiver and coverage for rental vehicle theft.

Medical evacuation: Doubles your medical evacuation coverage and provides you with the option to choose which hospital you would like to be evacuated to.

Pet care: Adds trip cancellation coverage to your policy if a traveling pet companion becomes critically ill or dies during the trip.

What does WorldTrips travel insurance not cover?

In general, WorldTrips travel insurance policies don't cover:

Adventure sports (unless you choose the optional upgrade)

Preexisting medical conditions (unless you have the waiver)

Traveling against the advice of a physician

WorldTrips travel insurance plans and coverage limits

Atlas Journey Escape: Up to $500 maximum

Atlas Journey Explore: Up to $2,000 maximum

Atlas Journey Elevate: Up to $2,000 maximum

Emergency accident and sickness medical expense

Atlas Journey Escape: Up to $50,000 (excess)

Atlas Journey Explore: Up to $150,000 (primary)

Atlas Journey Elevate: Up to $250,000 (primary)

Medical evacuation and repatriation of remains

Atlas Journey Escape: Up to $750 maximum

Atlas Journey Explore: Up to $1,500 maximum

Atlas Journey Elevate: Up to $2,500 maximum

Atlas Journey: WorldTrips' trip cancellation options include Atlas Journey Escape, Explore, and Elevate. Atlas Journey Escape provides up to $10,000 in trip cancellation coverage, while Atlas Journey Elevate provides up to $100,000.

Atlas Travel: The lower tier of WorldTrips' international medical coverage. Atlas Travel provides up to $2,000,000 of overall coverage.

Atlas Premium: This is the higher-tier medical plan that also provides up to $2 million of overall coverage, but you can also expect higher coverage in other areas, such as increased trip interruption and baggage loss limits.

Atlas MultiTrip Annual Plan: This is WorldTrips' annual policy option. It doesn't include trip cancellation coverage; instead, it focuses more on medical protection.

StudentSecure: WorldTrips offers four student medical insurance plans, including StudentSecure Smart, Budget, Select, and Elite.

Nomad Insurance: This is an international medical policy specifically designed for digital nomads who may need to meet certain insurance requirements to enter certain countries.

Atlas America: This is a health insurance policy designed for people planning to visit the U.S.

How much does WorldTrips travel insurance cost?

To get these costs, we compared travel insurance quotes on the WorldTrips website, using generic information during the quote process. For the Atlas Journey plans, we entered information for a 35-year-old traveler from Iowa with a domestic two-week travel itinerary and a total trip cost of $5,000.

For the Atlas Travel and Atlas Premium international medical plans, we used the same age and home location but set the travel destination to the U.K. for two weeks. We also chose no deductible and at least $500,000 of total coverage.

For the Atlas MultiTrip policy, you can choose between two coverage options:

Option A: Covers trips of 30 days or less.

Option B: Covers trips of 45 days or less.

We chose Option B, which is slightly more expensive but offers more flexibility in travel planning.

Overall, if you consider that travel insurance typically costs between 4% to 10% of your total trip amount, these plan prices fall below that general benchmark. However, prices can vary by age, optional add-ons, coverage limits, overall trip expenses, and other factors.

How does WorldTrips compare to other travel insurance plan costs?

Travel Medical Excluding USA Basic: $35.81

Travel Medical Excluding USA Choice: $49.50

Travel Medical Annual Multi-Trip: $368.75

Worldwide Trip Protector Essential: $156

At a glance, WorldTrips travel insurance is similar in price to what's being offered by other insurance providers. However, this doesn't mean all coverage is the same; we suggest you compare policies in depth to find the right plan for your specific needs.

Yes, WorldTrips is a legitimate travel insurance company that offers a wide range of policies and add-ons to suit the needs of various types of travelers. The company has an A++ (Superior) Financial Strength Rating from AM Best and an A+ BBB rating.

How long has WorldTrips travel insurance been in business?

WorldTrips has been in business for over 28 years.

WorldTrips is not the same as Tokio Marine, but it was previously known as Tokio Marine HCC - Medical Insurance Services Group, HCCMIS®. Today, it is a service company and a member of the Tokio Marine HCC group of companies.

Where is WorldTrips travel insurance located?

WorldTrips is headquartered in Indiana, with a mailing address of 4 Carter Green, Suite 400, in Carmel, Indiana 46032.

Does WorldTrips travel insurance offer annual plans?

WorldTrips offers an annual medical insurance policy with its Atlas MultiTrip plan. Note that this plan doesn't include trip cancellation coverage.

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