WorldTrips travel insurance review 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 9:26 a.m. UTC June 28, 2024
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Pros
- $250,000 in primary medical coverage.
- $1 million per person in medical evacuation coverage.
- Primary damage or loss baggage coverage of $500 per item, up to $2,500.
- 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
Cons
- No non-medical evacuation coverage.
Why trust our travel insurance experts
Our team of travel insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 1,855 coverage details evaluated.
- 567 rates reviewed.
- 5 levels of fact-checking.
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 and adventure travel.
In this WorldTrips insurance review, we break down the insurer’s 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 — Elevate, Explore and Escape — allow you to select the plan with the appropriate amount of coverage to meet your travel needs.
Atlas Journey Escape
The WorldTrips Atlas Journey Escape 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 $50,000 per person in excess coverage. 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 Explore
The WorldTrips Atlas Journey Explore 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 Explore provides the same interruption benefits as the top-tier Elevate plan, but offers lower limits for trip cancellation, emergency medical evacuation, delays, missed connections and baggage insurance.
The biggest difference between the Explore and the more expensive Elevate plan is that the Explore plan offers up to $150,000 in primary emergency medical coverage while the Elevate plan offers up to $250,000.
Atlas Journey Elevate
The WorldTrips Atlas Journey Elevate 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. This plan also gets 5 stars in our rating of the best travel insurance.
Compare WorldTrips travel insurance plans
| TRAVEL INSURANCE BENEFIT | ESCAPE | EXPLORE | ELEVATE |
|---|---|---|---|
Trip cancellation
| 100% of trip cost up to $10,000
| 100% of trip cost up to $50,000
| 100% of trip cost up to $100,000
|
Trip interruption
| 125% of trip cost
| 150% of trip cost
| 150% of trip cost
|
Trip delay
(5 hours or more)
| $100 per day; $500 maximum
| $150 per day; $2,000 maximum
| $200 per day; $2,000 maximum
|
Missed connection
| $500
| $1,000
| $1,500
|
Emergency medical expense
| $50,000
(excess coverage)
| $150,000
(primary coverage)
| $250,000
(primary coverage)
|
Emergency medical evacuation
| $250,000
| $750,000
| $1,000,000
|
Baggage damage or loss
| $250 maximum per article; $750 maximum
| $500 maximum per article; $1,500 maximum
| $500 maximum per article; $2,500 maximum
|
Baggage delay (12 hours or more)
| $200
| $300
| $600
|
What WorldTrips travel insurance covers
The core types of travel insurance packaged together in WorldTrips Atlas Journey policies include:
- Trip cancellation and interruption: Trip cancellation insurance and trip interruption insurance reimburse you for prepaid, non-refundable trip expenses if you cancel your trip, or need to head home early, due to a covered reason. Covered reasons 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 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.
Explore and Elevate 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 Escape 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 Elevate plan.
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 the Explore and Elevate plans.
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.
Pet care
This upgrade adds trip cancellation or trip interruption coverage in the event of your dog or cat’s death or critical illness. It also adds vet care compensation if your dog or cat becomes ill while traveling with you. It’s available with the Explore and Elevate plans.
Compare the best travel insurance companies of 2024
| TRAVEL INSURANCE COMPANY | TOP-SCORING PLAN | OUR RATING | MEDICAL BENFITS PER PERSON | EVACUATION LIMITS PER PERSON | LEARN MORE | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
 WorldTrips | Atlas Journey Elevate | $250,000 primar coverage | $1,000,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
| ||||||||||||
 Travel Insured International | Worldwide Trip Protector | $100,000 primary coverage | $1,000,000 | Compare Quotes Via Compare Coverage’s website | ||||||||
| ||||||||||||
| Classic | $100,000 primary coverage | $1,000,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
| ||||||||||||
| Go Ready Choice | $50,000 secondary coverage | $250,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
| ||||||||||||
| Travel Select | $50,000 primary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
| ||||||||||||
| Travel Guard Preferred | $50,000 Primary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
| ||||||||||||
| Cruise Choice | $100,000 secondary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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Methodology
Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.
Insurers could score up to 100 points based on the following factors:
- Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
- Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
- Medical evacuation: 10 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 10 points.
- Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
- Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
- “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
- Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
- Cancel for work reasons: 5 points. If a travel insurance 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.
- Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.
Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.
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.
