WorldTrips

WorldTrips: Travel Insurance and International Medical Coverage

WorldTrips is a travel insurance company that, according to its own presentation, has accumulated more than 25 years of experience helping travelers around the world. Its catalog is organized around three main areas: travel medical insurance, trip protection insurance (cancellation, interruption, cruises), and international student medical insurance. The company operates as a service company and is part of the Tokio Marine HCC group.

Travel Medical Insurance Plans

The company offers several types of medical coverage for trips outside the country of residence. These include:

• Atlas Travel: a balanced coverage option for single trips, described as the most popular choice.
• Atlas Premium: a variant with expanded benefits and higher coverage limits.
• Atlas MultiTrip: an annual medical coverage plan for multiple international trips, with coverage options for trips of up to 30 or 45 days.
• Atlas Nomads: a flexible option for those who travel for work and need medical protection against the unexpected.
• Atlas Group: travel medical coverage for groups of five or more people, with reduced rates.

These products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).

Trip Protection for U.S. Residents

WorldTrips trip protection plans are available exclusively to U.S. residents. Under the Atlas Journey name, they cover financial losses resulting from cancellations for covered reasons, with reimbursement of prepaid and non-refundable expenses. The company notes that these plans are especially useful on cruises or in destinations with unpredictable weather that can cause delays or cancellations. In addition to cancellation, they include medical coverage and optional add-ons.

For those who have already started their trip without having purchased insurance beforehand, the company offers Atlas On-The-Go, a trip interruption coverage that can be purchased on the day of departure or even after the trip has begun, with protection starting the following day. The Atlas Journey, Atlas Cruiser, and Atlas On-The-Go products are underwritten by U.S. Specialty Insurance Company (USSIC), an insurer domiciled in Texas that operates throughout the United States.

International Student Medical Insurance

StudentSecure is the line aimed at students traveling abroad who need to meet visa requirements. It is structured in four coverage levels —Elite, Select, Budget, and Smart— designed to adapt to different budgets and to the standards of most student visas. The company suggests comparing these plans with the coverage offered by the academic institution itself to assess whether the level of protection is adequate.

Included Coverages and Assistance

According to the company's information, plans may include medical coverage for hospitalizations and doctor visits abroad, reimbursement for trip cancellation and interruption, benefits for delays covering additional accommodation, meals, and transportation, baggage and personal item protection against loss, theft, or delay, and emergency medical evacuation and repatriation services. All plans include travel assistance services with multilingual support available 24 hours a day, 365 days a year, covering both medical and non-medical issues, such as finding a doctor or replacing a lost passport. Document and claims management is handled through the member portal.

Visa Requirements and Destinations

WorldTrips highlights that certain destinations, such as those in the Schengen Area, require travelers from certain nationalities to have medical insurance to obtain a visa, and that some U.S. visas also require proof of medical coverage. The company offers plans that, it states, meet these requirements.

Awards and Financial Strength

The company cites external ratings to support its offering: it notes that, among the top eight travel insurance companies analyzed in an industry review, its underwriter is the only one with an A++ (Superior) financial strength rating from AM Best, and that WorldTrips was considered the best travel insurance company of 2024 according to an analysis of costs and coverage options. It also states that its plans have positive traveler reviews.