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WorldTrips Travel Insurance

Established in 1998, WorldTrips was the first insurance company to make its plans and services available online. A member of the Tokio Marine HCC group of companies, the company offers a wide range of travel, medical, and trip cancellation insurance policies fort individuals, groups, families, and companies worldwide.

With more than two decades, WorldTrips has been on the mission to make unforeseen medical emergencies and travel mishaps less traumatic for tourists. The insurance plans provide access to qualified healthcare, the right guidance, and 24/7 emergency travel assistance to walk you through unexpected events.

WorldTrips takes pride in responding to every customer’s travel questions with proper direction. The trained and experienced agents are available for both travel and emergency assistance services. The company has enough resources to provide services no matter the language, culture, or time zone. Currently, the company is offering travel medical insurance to over 130 countries and trip protection benefits to US residents.

WorldTrips Insurance Plans

Atlas America

$80 / mo For age 45 years with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $2 million
  • Deductible options from $0 to $5,000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure
  • Review Plan
Purchase Now

Visitor Secure

$33 / mo For age 45 years with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $130,000
  • Deductible options from $0, $50, $100
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure
Purchase Now

Student Secure

$43 / mo For age 24 years with $250,000 plan and $90 deductible
  • Plan maximum limits ranging from $100,000 to $500,000
  • Deductible options from $25 to $50 based on the plan
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Mental Health, Pregnancy, Covid-19 (excluded on the Smart plan)
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure
Purchase Now
WorldTrips Travel Insurance

Why choose WorldTrips insurance plans?  

  • Budget-friendly plans– WorldTrips offer customizable, budget-friendly trip cancellation and travel medical plans for  groups as well as  individuals.
  • Emergency assistance– The company’s multilingual customer executives offer round-the-clock service to assist customers with 24/7 travel emergencies.
  • Full commitments– The company strives to be a good company and tries to live up to the trust placed in them.
  • High ratings– Being a member of Tokio Marine HCC, WorldTrips has high financial ratings from S&P Global Ratings, A.M Best, and Fitch Ratings.
  • Electronic products– Customers can review coverage, get quotes, purchase plans, and receive insurance documents within minutes without human intervention.

WorldTrips Comprehensive Travel Medical Plans

International travel comes with a lot of risks and uncertainties. No matter where you are traveling in the world, you may face different travel emergencies and unanticipated health issues. While some standard health insurance plans are not going to protect in the home country, some plans provide limited coverage outside the home country.

Travel medical plans can provide access to quality healthcare facilities and offer financial assistance if anything unexpected strikes. The policies are short-term supplemental medical insurance designed to cover medical emergencies that can occur anytime. Depending on the policy, the policy may cover expenses like hospitalizations, accidents, wounds, injuries, surgery, lab and testing, medical evacuation, and AD & D, and more.

WorldTrips Comprehensive Travel Medical Plans
Atlas Plans

Atlas Plans

Atlas Plans are available to US citizens and non-US citizens who are at least 14 days of age and are traveling outside their home country. Atlas America provides coverage to non-US citizens needing coverage in the US while Atlas International provides coverage to US citizens as well as non-US citizens needing coverage outside the US.

Along with the medical coverage for in-patient and out-patient, evacuation, and repatriations benefits, the plans offer additional benefits, including treatment of complications of pregnancy for the first 26 weeks of Pregnancy, AD&D, Trip Interruption, Lost Checked luggage, , and more. For members under the age of 80 years, the plans cover acute onset of pre-existing conditions that are not chronic and congenital in nature.

In the US, the plan follows two networks United HealthCare PPO Network and First Health PPO network. The ID card will show you which network your plan follows. Outside the US ,  you may visit any provider.

Student Secure Plans

Student Secure Insurance is available to US and non-US citizens under the age of 65 years who are full-time international students or scholars studying outside of their home country. The plan provides coverage for in-patient and out-patient medical expenses, hospital room & board, local ambulance, outpatient prescription drug coverage, mental health, and more.

There are four levels of coverage: Smart, Budget, Select, and Elite. While the Smart option does not cover pre-existing conditions, the Elite and Select options can cover pre-existing conditions  after 6 months. The Budget can cover pre-existing conditions after 12 months of continuous coverage. . In the US, the Student Secure insurance plan followsa PPO Network.

Leisure, Recreational, Entertainment, Or Fitness sports activities are covered under the policy. The plan offers optional intercollegiate, interscholastic, intramural, or club sports riders for Elite, Select, and Budget plans. Depending on the policy, medical expenses per incident range from $100,000-$500,000. Deductibles vary as per plan choice and depend on the in-network or out-of-network provider used.

Student Secure Plans

WorldTrips Provider Network

WorldTrips has a wide network with hospitals and doctors across the globe. Many of your provider selection decisions will be based on your geographical location and provider specialties. If you have a travel medical insurance plan, you can refer to your ID card number to find providers. The ID card is located right under the Policy dropdown either in the Client Zone or Student Zone.

When seeking treatment inside the US, you can visit a doctor within the PPO Network. But outside the US, there is no PPO service, hence you can choose any provider you want. Now, if you have a trip protection insurance plan, there is PPO Network. And you are free to choose any providers while seeking treatment inside or outside the US.

WorldTrips Insurance Claim

You must complete, sign, and submit a Claimant’s Statement and Authorization Form for every incident. The claim form can be downloaded, completed, and mailed along with all the requested information.  

The  Claim Form upload the form along with other documents can be emailed or uploaded   using  the Client Zone or Student zone, which are self-service portals for visitors and students, respectively.

WorldTrips – FAQs

Atlas Travel and Student Secure are the most Atlas Policy can cover eligible medical expenses resulting from COVID-19/SARS-CoV-2 if purchased on or before July 15, 2020. Student Secure covers COVID-19 eligible expenses if purchased on or after May 15, 2020.

Yes, WorldTrips is a legit company and is a member of Tokio Marine HCC. The company has been operating since 1993.

WorldTrips offers travel medical insurance, international student insurance, annual multi trip plans and trip cancellation insurance plans.

Yes, Atlas America is legit. The plan provides coverage to non-US citizens needing coverage in the US.

Each plan has its own cancelation policy. Please check the cancelation policy for individual plans. A written request (email) is required to

Most plans include coverage for a dental injury. Some plans can cover emergency dental pain to sound natural teeth. Review the brochure for details before purchasing the plan.

WorldTrips have different plans available. The Atlas Travel Series, Visitor Secure and StudentSecure international travel medical insurance products are underwritten by Lloyd’s. WorldTrips’ Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC’s U.S. Specialty Insurance Company

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