WorldTrips Travel Insurance has been a reputable travel insurance provider for more than 20 years. WorldTrips offers various plans and tiers that can suit your travel insurance needs.
Business Insider compared WorldTrips to the best travel insurance companies and found it to be a standout option with low premiums and a wide array of options.
WorldTrips Travel Insurance Pros and Cons
WorldTrips Travel Insurance Pros
- Preexisting conditions available with all plans
- Plan for digital nomads
- Relatively low premiums on trip insurance
WorldTrips Travel Insurance Cons
- Expensive CFAR coverage
- No mobile app
Get a Quote
A
- Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
- Insurance plans available for international student travelers
- Trip delay coverage benefit that kicks in after just five hours
- Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
- Lower medical, evacuation and accidental death limits
- Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
- No special coverages for pets, sports equipment, etc.
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.
WorldTrips- Travel medical insurance (Premium, Group, Annual, and International Student options)
- Trip cancellation insurance
- Trip protection insurance
Compare WorldTrips Travel Insurance
$308
N/A
- Zero Complaint Guarantee
- Streamlined comparison platform
- Variety of partnered travel insurance companies
- Customer service team is difficult to reach
SquareMouth is an online marketplace that helps you choose a travel insurance policy from 32 companies that shares a comprehensive, streamlined overview page for each insurance provider.
SquareMouth Travel Insurance
874
A++
- Policy coverage includes most pre-existing health conditions
- Generous medical and evacuation amounts for peace of mind
- COVID coverage included by default on all insurance plans
- Offers a wide range of plans for various budgets and travel needs
- Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
- Limited add-on coverage options
- Baggage loss and delay coverage is low compared to competitors
Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.
Tin Leg- Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.
- Options to cover sports equipment
- Option to increase medical coverage
- Can cancel up to 48 hours before travel when CFAR option is purchased
- Affordable coverage for budget-conscious travelers
- Includes generous baggage delay, loss and trip delay coverage
- Optional "adventure sports" bundle available for riskier activities
- Pricier than some competitors with lower coverage ceilings
- Some competitors offer higher medical emergency coverage
Travelex travel insurance is one of the largest travel insurance providers in the U.S. providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.
Travelex Travel Insurance- Optional CFAR insurance available with the Ultimate plan
- Travel delay insurance starting at $500 with the Advantage plan
- Emergency medical and dental coverage starting at $15,000
WorldTrips Travel Insurance Overview
WorldTrips Travel Insurance is among the best travel insurance companies, with plans to cover a wide range of needs. It provides group plans, annual multi-trip plans, and multiple plans for travel and medical protection. Its plans are also well below the average cost for travel insurance, though some competitors have higher coverage limits than WorldTrips.
One of WorldTrips unique features is its policies for digital nomads, which offers up to $250,000 in coverage for people 64 and under, with a list of benefits for international and domestic digital nomads.
Coverage Options by WorldTrips Travel Insurance
WorldTrips offers several unique products for travelers, including a dedicated plan for students pursuing study abroad programs. Within these plans, there are additional tiers of coverage that offer higher coverage limits. This section will help you understand the different plans available through WorldTrips.
Most plans include COVID-19 coverage by default. Many also allow you to customize the plan to include optional upgrades for additional protection.
WorldTrips Trip Cancellation and Interruption
WorldTrips Atlas On-The-Go
Atlas On-The-Go is WorldTrips' trip cancellation insurance. It provides the following benefits for U.S. residents traveling worldwide:
- Trip cancellation: $1,500
- Travel delay (5 hours or more): Up to $200 per day, $1,500 max
- Baggage delay (12 hours or more): Up to $500
- Baggage damage or loss: $500 per item; $1,500 total
- Travel medical: Up to $50,000
- Medical evac. and repatriation: $500,000
- Dental expenses: $500
- AD&D 24 hours: $25,000
This policy does not offer preexisting condition waivers.
WorldTrips Atlas Journey
Atlas Journey offers trip protection coverage for US citizens and residents on domestic and international trips. You can choose from three tiers of coverage: Escape, Explore, and Elevate. Its benefits are as follows:
| Benefits | Escape | Explore | Elevate |
| Preexisting condition waiver | Available when policy is purchased within 14 days of trip payment date | Available when policy is purchased within 21 days of trip payment date | Available when policy is purchased within 21 days of trip payment date |
| Trip cancellation | 100% of trip cost up to $10K | 100% of trip cost up to $100K | 100% of trip cost up to $100K |
| Trip interruption | 100% of trip cost | 150% of trip cost | 150% of trip cost |
| CFAR | Not available | Choice of 50% or 75% of total trip cost (if purchased within 21 days of initial trip payment date) | Choice of 50% or 75% of total trip cost (if purchased within 21 days of initial trip payment date) |
| Travel delay | Up to $100 per day; $500 maximum (6 hours or more) | Up to $150 per day; $2,000 maximum (5 hours or more) | Up to $200 per day; $2,000 maximum (5 hours or more) |
| Travel medical insurance | Up to $50K (Excess coverage) | Up to $150K (Primary coverage) | Up to $250K (Primary coverage) |
| Medical evac. and repatriation | Up to $250K | Up to $750K | Up to $1 million |
| Baggage damage/loss | Up to $250 per article; $750 maximum | Up to $500 per article; $1,500 maximum | Up to $500 per article; $2,500 maximum |
| Baggage delay | Up to $200 | Up to $300 | Up to $600 |
| AD&D 24 hours | Up to $10K | Up to $25K | Up to $50K |
| Missed connection | Up to $500 | Up to $1,000 | Up to $1,500 |
| Airline reissue/cancellation fee | N/A | Up to $250 | Up to $250 |
| Travel assistance services | Included | Included | Included |
WorldTrips Cruise Insurance
WorldTrips offers policies specifically for Carnival cruises and Royal Caribbean cruises that offer all the basics, like cancellation, interruption, travel medical, and emergency evacuation insurance.
WorldTrips Travel Medical Insurance
WorldTrips Atlas Travel
The Atlas Travel medical insurance offers travel insurance for those who don't need trip cancellation benefits. These plans offer a broad range of maximum limits, including up to $2 million in maximum coverage, deductibles from $0 to $5,000, and up to $1 million in emergency medical evacuation coverage.
WorldTrips Atlas Nomads
The Atlas Nomads plan offers travel medical insurance up to $250,000 for people up to age 64 and $100,000 for people age 65 to 69. People over 69 are not eligible for coverage. Plans have a $0 deductible. The plan also offers up to $100,000 in emergency medical evacuation coverage.
Atlas Nomads also offers some supplementary travel insurance like travel delay, lost luggage, stolen passports/visas, trip interruption, and natural disaster replacement accommodations.
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.
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 for Atlas Journey Premier and Preferred. 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 uninhabitable.
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.
How Much Does WorldTrips 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.
To receive a quote with WorldTrips, you need to enter your state of residence, trip cost, duration, traveler(s) age, and date of initial trip payment.
We ran a few simulations to offer examples of how much a WorldTrips policy might cost. You'll see that costs usually fall between 1% to 4% of the total trip cost, but can go up to 8% for certain trips and travelers.
A 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following WorldTrips travel insurance quotes:
- Atlas Journey Escape: $62
- Atlas Journey Explore: $80
- Atlas Journey Elevate: $86
Premiums for WorldTrips plans are between 2.1% and 2.9% of the trip's cost, well below the average cost of travel insurance.
WorldTrips provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:
- Atlas Journey Escape: $116
- Atlas Journey Explore: $150
- Atlas Journey Elevate: $161
Once again, premiums for WorldTrips plans are well below the average cost for travel insurance, between 2.9% and 4%.
A Texas family (two 40-year-old parents with a 10-year-old and 4-year-old) taking a two-week trip to Australia for $20,000.
- Atlas Journey Escape: $623
- Atlas Journey Explore: $791
- Atlas Journey Elevate: $835
Premiums for WorldTrips plans are between 3.1% and 4.2% of the trip's cost,
A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following WorldTrips quotes:
- Atlas Journey Escape: $326
- Atlas Journey Explore: $428
- Atlas Journey Elevate: $494
Premiums for WorldTrips plans are between 5.4% and 8.2%, within the average cost for travel insurance. While these plans are relatively expensive compared to the previous quotes, travel insurance is often more expensive for older travelers. Compared to the rest of the industry, these premiums are on the lower side, though not the cheapest we've seen.
We attempted to add CFAR to these plans, which often cost an equal or greater amount than the base insurance plan. This is exceptionally expensive.
WorldTrips Annual Plan
WorldTrips offers a multi-trip plan, that can cover multiple trips over a year. This plan has two tiers, which affect how long each covered trip can last. The cost of annual travel insurance with WorldTrips for a 35-year-old is as follows:
- 30-day trips: $193
- 45-day trips: $236
How to File a Claim with WorldTrips Travel Insurance
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. Additionally, WorldTrips lacks a mobile app, so you'll have to manage your WorldTrips policy through its website.
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, you can submit your claim via email or regular mail using the following contact information:
Phone: (800) 605-2282 (within the US) and +1 (317) 262-2132 (outside the US).
Non-emergency calls are taken Monday to Friday from 7 a.m. to 7 p.m. ET.
Mail:
WorldTrips
Claims Department
PO Box 240358
Apple Valley, MN 55124
U.S.A.
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 have to complete an online form that includes supporting document for every claim. If you cannot upload your documents, you can send them to WorldTrips's claims team at AtlasJourneyClaims@cbpinsure.com.
You'll need to report claims within 30 days of the loss occurring or as son as reasonably possible.
If you're a student, you must submit additional documents for your claim proving you are a full-time student and any necessary education-related visas or I-20/DS2019. Having the proper records can make your claim much less frustrating.
If WorldTrips fails to pay you within 30 days following receipt of proof of loss, you're entitled to your claim plus interest, 9% APY that starts accruing after the 30th day.
Customer Service and Support Experience From WorldTrips
Compared to other travel insurance companies, WorldTrips doesn't have many customer reviews. However, existing customer reviews of WorldTrips are mixed.
It received an average of 4.3 stars on Trustpilot page and 4.26 on SquareMouth. Many of its negative reviews concern problems with its website, which is especially concerning since it doesn't have a mobile app like many of its competitors.
WorldTrips' trip cancellation insurance is underwritten by Tokio Marine's U.S. Specialty Insurance Company (USSIC), which has a 0.00 company complaint index score from the National Association of Insurance Commissioners, meaning it received no complaints in the year 2023.
Tokio Marine, WorldTrips' parent company, has an A++ Financial Strength Rating from AM Best, signaling that it is likely to meet its financial obligations, like paying out claims.
WorldTrips Travel Insurance Alternatives
See how WorldTrips Travel Insurance stacks up against the competition.
WorldTrips Travel Insurance vs. Nationwide Travel Insurance
WorldTrips compares favorably to Nationwide Travel Insurance. 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."
Read our Nationwide travel insurance review.
WorldTrips Travel Insurance vs. Berkshire Hathaway Travel Insurance
WorldTrips and Berkshire Hathaway Berkshire Hathaway Travel Protection 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.
Read our Berkshire Hathaway travel insurance review.
WorldTrips Travel Insurance FAQ
You can extend your WorldTrips Atlas Travel Insurance coverage for up to 364 days from the initial effective date.
WorldTrip's travel medical insurance will cover expenses related to COVID-19.
WorldTrips will cover preexisting conditions if you purchase your policy within 14 to 21 days of the initial trip deposit date, depending on your policy.
To file a claim with WorldTrips, you'll need documentation such as medical records, receipts for expenses incurred, and a completed claims form. If you're a student, you will also need to prove your full-time enrollment and, if applicable, your education-related visa.
Whether you can purchase WorldTrips insurance after starting your trip depends on their policy. Some insurers may allow this, but there may be restrictions or limitations. Contact World Trips directly to inquire about purchasing insurance after your journey has begun.
Why You Should Trust Us: How We Reviewed WorldTrips Travel Insurance
To evaluate WorldTrips travel insurance, Business Insider reviewed the following factors.
Coverage amounts: We consider the policies available, what they cover, and how much coverage they offer. We like to see a variety of options available, with a great deal of flexibility to cover as many needs and customers as possible.
Inclusions/Exclusions: We consider common inclusions and exclusions, and how much customers have to pay for certain benefits. For example, WorldTrips offers preexisting condition waivers on all trip cancellation plans, but doesn't offer it on travel medical-only plans.
Cost: We obtain quotes for a variety of travelers, including single travelers, families, couples, and older travelers. We see how the quotes compare to the standard costs of travel insurance, which is between 4% and 8% of your total trip cost. We also pay attention to any savings opportunities travelers can take advantage of, like discounts for children.
Customer service: We consider how a company treats its customers by looking at online reviews on sites like Trustpilot, SquareMouth, and the Better Business Bureau. We also look at ratings from third-party organizations like the NAIC and AM Best. We look at any customer service features a company offers, like the travel assistance hotline that WorldTrips offers.
Unique features: We look to see if a company has any unique features or benefits. For example, WorldTrips has a plan tailored specifically to digital nomads.
Read more about Business Insider's travel insurance ratings methodology.
