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WorldTrips' Atlas Journey trip plans are underwritten by U.S. Specialty Insurance Company, which the company says carries an A++ (Superior) rating from AM Best, and its BBB profile is A+ with accreditation since 2011. It is a legitimate travel insurance company based in Carmel, Indiana, and a member of the Tokio Marine HCC group. It fits travelers who want primary medical coverage and high evacuation limits on the upper Atlas Journey tiers, or medical-only plans for long stays abroad. Watch the entry Escape tier, which pays medical only as excess coverage up to $50,000, and note that Atlas Journey isn't sold in Washington state.
Your options
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WorldTrips This review U.S. travelers who want strong primary medical and evacuation coverage with trip cancellation, or travelers who need medical-only coverage for long stays abroad.
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Freely Alternative Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it.
How we rated WorldTrips
Each company is evaluated across five criteria. Scores are weighted and combined into a single BestGuide Score out of 5. See how we rate the brands.
- Company
- WorldTrips, 4 Carter Green, Suite 400, Carmel, Indiana; a service company in the Tokio Marine HCC group; in business since 1998 per BBB1
- Underwriters
- Atlas Journey, Atlas Cruiser and Atlas On-The-Go: U.S. Specialty Insurance Company (Texas, admitted in all states). Atlas Travel and StudentSecure: TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company1
- Atlas Journey medical
- Elevate up to $250,000 primary, Explore up to $150,000 primary, Escape up to $50,000 excess ($50,000 on all New Hampshire plans)2
- Medical evacuation
- Up to $1,000,000 on Elevate, $750,000 on Explore, $250,000 on Escape2
- Trip cancellation
- Up to 100% of insured trip cost; interruption up to 150% (125% on Escape)2
- Cancel For Any Reason
- Optional upgrade, 50% or 75% back; replaced by Cancel for Fortuitous Reason in New York2
- Sample prices
- $78 for an 8-day, $3,000 Africa trip (age 48, Explore) to $187 for a 16-day, $7,500 Europe trip (age 21, Escape), from September 2026 quotes2
- BBB
- A+, accredited since March 31, 2011; 28 complaints in the last 3 years4
Pros
- Primary medical up to $250,000 on Atlas Journey Elevate
- Medical evacuation up to $1,000,000
- Cancel For Any Reason at 50% or 75%, your choice
- Wide lineup: trip, travel medical, annual, nomad, student and group plans
- A+ BBB rating with accreditation since 2011
- More than 25 years in business, U.S.-based
Cons
- Escape tier pays medical only as excess coverage, up to $50,000
- Atlas Journey not sold in Washington state
- Many plan names to sort through
- Atlas travel medical plans are written through binding authorities rather than the admitted U.S. Specialty Insurance Company
- Travel medical plans don't cover routine or preventive care
Best for: U.S. travelers who want strong primary medical and evacuation coverage with trip cancellation, or travelers who need medical-only coverage for long stays abroad.
Skip it if: You live in Washington state, only need a cheap domestic plan or want adventure sports included without an add-on.
WorldTrips vs. competitors
| Company | Emergency medical | Medical evacuation | Trip cancellation | Cancel For Any Reason | Next step |
|---|---|---|---|---|---|
| WorldTrips (Atlas Journey) | $50,000 excess to $250,000 primary | $250,000 to $1,000,000 | Up to 100% of insured trip cost | Optional, 50% or 75% | Visit site |
| World Nomads | $125,000 to $250,000, secondary | $400,000 to $700,000 | $2,500 to $15,000 | Explorer 50% or Epic 75% | Visit site |
| Allianz OneTrip Prime | $50,000 | $500,000 | Up to $100,000 | Cancel Anytime, 80% | Visit site |
| Faye | Up to $250,000 primary | Up to $500,000 | Up to 100% of trip cost | 75% | Visit site |
Travel insurance we reviewed
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WorldTrips This review BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want strong primary medical and evacuation coverage with trip cancellation, or travelers who need medical-only coverage for long stays abroad. -
Freely BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it. -
InsureMyTrip BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers with fixed trip dates and costs who want to compare several insurers' plans with a licensed agent's help. -
Allianz BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Large U.S. companies and multinationals that need specialty or cross-border coverage placed through a broker. -
Faye BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want primary medical coverage abroad and prefer to handle the whole policy, including claims, in an app. -
World Nomads BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Backpackers, solo travelers and adventure travelers who want activities like diving, skiing and trekking covered without extra riders. -
Generali BestGuide rating: 3.8 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: US travelers who book a cruise or tour, buy right after their first deposit and want high evacuation limits. -
Seven Corners BestGuide rating: 3.8 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers outside New York who want Cancel for Any Reason or primary medical coverage on a mid-priced plan.
WorldTrips pricing at a glance
Atlas Journey trip insurance tiers, maximum limits per person, as listed on worldtrips.com October 20262
| Tier | Emergency medical | Evacuation | Trip interruption | Pre-existing waiver window | Sample price |
|---|---|---|---|---|---|
| Escape | $50,000, excess | $250,000 | 125% of trip cost | 14 days of first deposit | $187, 16 days, $7,500 Europe trip, age 21 |
| Explore | $150,000, primary | $750,000 | 150% of trip cost | 21 days of first deposit | $78, 8 days, $3,000 Africa trip, age 48 |
| Elevate | $250,000, primary | $1,000,000 | 150% of trip cost | 21 days of first deposit | $166, 15 days, $7,000 Australia trip, age 21 |
All tiers reimburse up to 100% of insured trip cost for covered cancellations. Sample prices are WorldTrips quote examples from September 2026; yours depend on age, trip cost, length and state. New Hampshire plans cap medical at $50,000. Atlas Journey is not available in Washington. Optional upgrades include Cancel For Any Reason, adventure sports (not in Illinois, Montana or New York), a medical evacuation upgrade and pet care.
WorldTrips, step by step
Pick the plan type
Atlas Journey for trip cancellation plus medical (U.S. residents), Atlas Travel or Atlas Premium for medical-only international trips, Atlas MultiTrip for a year of trips, or StudentSecure for students abroad.
Buy early for the waiver
Buy Explore or Elevate within 21 days of your first trip payment, or Escape within 14 days, to get the pre-existing condition waiver.
Add upgrades
Choose Cancel For Any Reason at 50% or 75%, adventure sports, a medical evacuation upgrade or pet care where your state allows.
Travel with assistance
Every policy includes 24/7 multilingual travel assistance for finding care, replacing documents and similar help.
File claims online
Submit claims and get ID cards and plan documents through the WorldTrips Member Portal.
About WorldTrips
WorldTrips is a travel insurance company founded in 1998 and based in Carmel, Indiana. Part of the Tokio Marine HCC group, it offers three main coverage families: trip protection (Atlas Journey, Atlas Cruiser, and Atlas On-The-Go), travel medical insurance (Atlas Travel, Atlas Premium, Atlas MultiTrip, Atlas Nomads, and Atlas Group), and international student insurance (StudentSecure). Its plans are underwritten by Tokio Marine HCC insurers that hold an A++ (Superior) financial strength rating from AM Best, and all plans include 24/7 global travel assistance.
Who WorldTrips is best for
WorldTrips is built for travelers who want one provider for both trip cancellation and international medical coverage, backed by a financially strong underwriter.
- Travelers who prioritize high medical evacuation limits and a financially strong underwriter
- Anyone who wants a single provider for both trip and medical coverage
- Digital nomads (Atlas Nomads) and international students (StudentSecure)
- Cruise travelers (Atlas Cruiser)
- Groups of five or more travelers (Atlas Group)
WorldTrips features
A++ (Superior) Financial Strength
Plans are underwritten within Tokio Marine HCC, whose insurers hold an A++ (Superior) rating from AM Best, a signal of strong ability to pay claims.
High Medical Evacuation Limits
Higher-tier plans include emergency medical evacuation coverage up to $1 million, plus repatriation of remains.
24/7 Global Assistance
Every plan includes round-the-clock emergency assistance in multiple languages, including help locating local medical providers abroad.
Wide Plan Range
Trip, travel-medical, cruise, nomad, group, and student plans cover a broad set of traveler types and trip styles.
Cancel for Any Reason (CFAR)
An optional add-on that reimburses 50% or 75% of nonrefundable trip costs when purchased within 21 days of your initial deposit.
Online Policy Management
Travel-medical customers use the Member Portal and trip-protection customers use CBPconnect to manage policies and file claims online.
WorldTrips legitimacy and licensing
Yes. WorldTrips is a Carmel, Indiana, service company in the Tokio Marine HCC group. Its Atlas Journey, Atlas Cruiser and Atlas On-The-Go trip plans are underwritten by U.S. Specialty Insurance Company, a Texas insurer admitted in every state, which WorldTrips says holds an A++ (Superior) rating from AM Best. Its Atlas Travel and StudentSecure medical plans are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company.
The BBB rates WorldTrips A+ and has listed it as accredited since March 31, 2011, with 28 complaints in 3 years. On Trustpilot it averages 4.6 out of 5 across about 3,900 reviews.
WorldTrips cost
WorldTrips publishes sample quotes rather than a price list. Its September 2026 examples range from $78 for an 8-day, $3,000 trip to Africa (age 48, Explore) to $187 for a 16-day, $7,500 trip to Europe (age 21, Escape), and $145 for an 8-day, $3,800 Caribbean trip at age 60 on Explore. Your price depends on age, trip cost, length, destination, state and any upgrades.
Notice that the cheapest tier isn’t always cheapest overall: Escape cost more than Explore in two of WorldTrips’ own examples. Quote all three tiers before choosing.
WorldTrips plans explained
Atlas Journey is trip protection for U.S. residents in three tiers. All reimburse up to 100% of insured trip cost for covered cancellations. Elevate adds the most: $250,000 primary medical, $1,000,000 evacuation and 150% Trip interruption. Pays for unused trip costs and extra travel costs if a covered reason cuts your trip short. Compare travel insurance. Explore offers $150,000 primary medical and $750,000 evacuation. Escape pays $50,000 medical as excess coverage, after your own insurance, and $250,000 evacuation.
Atlas Travel and Atlas Premium are medical-only plans for international trips where you choose the deductible, length and overall maximum. Atlas MultiTrip covers a year of trips up to 30 or 45 days each, Atlas Nomads serves remote workers, and Atlas On-The-Go can be bought on or after departure to cover trip interruption.
What customers say about WorldTrips
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Easy online purchase and simple policy extensions
- Helpful, quick customer service
- Competitive prices for the coverage
- Smooth claims and reimbursement for many reviewers
Common complaints
- Surprise that routine or preventive care isn’t covered
- Hard to compare prices across options
- Mobile portal frustrations
- Unexpected costs and trouble using some benefits
Claims and complaints
Claims are filed through the WorldTrips Member Portal, where you also find ID cards and plan documents. Reviewers praise easy purchase, quick extensions and helpful staff. The complaints that do appear mostly involve expectations: travel medical plans don’t pay for preventive care such as flu shots, and some reviewers found costs or benefit rules they didn’t expect.
- Read the state-specific policy documents before you buy.
- Buy within 14 or 21 days of your first trip deposit if you have a pre-existing condition.
- Keep receipts, medical records and carrier delay notices for every claim.
Rules that protect you
Atlas Journey is written on an admitted U.S. insurer, so your state insurance department regulates it and takes complaints if a claim dispute can’t be resolved. Atlas Travel medical plans are written through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company rather than the admitted U.S. Specialty Insurance Company, so ask which insurer is on your policy and how complaints are handled before you buy. Your plan documents list the free look period for your state.
Who should skip WorldTrips
Washington residents can’t buy Atlas Journey. If you want adventure sports covered by default, World Nomads includes them. If you only need cheap cancellation coverage for a short domestic trip, a basic plan from another insurer or your credit card’s trip protection may be enough.
Alternatives to WorldTrips
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Better if adventure sports are the point of the trip, since 250 plus activities are included without an add-on.
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IMGAnother long-running travel medical specialist with Patriot plans, worth quoting against Atlas Travel for long stays abroad.
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Lets you compare WorldTrips plans side by side with other insurers in one quote.
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Your card or health plan
Check your credit card’s trip protection and whether your health plan pays abroad before buying; Medicare generally doesn’t cover care outside the U.S.
Next steps
WorldTrips reviews
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Frequently asked questions
Who owns WorldTrips?
WorldTrips is a member of the Tokio Marine HCC group of companies, part of Japan's Tokio Marine. It is based in Carmel, Indiana.
Who underwrites WorldTrips insurance?
Atlas Journey, Atlas Cruiser and Atlas On-The-Go are underwritten by U.S. Specialty Insurance Company. Atlas Travel and StudentSecure medical plans are underwritten through TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company.
Is WorldTrips medical coverage primary?
On Atlas Journey Explore and Elevate, yes, up to $150,000 and $250,000. On Escape, medical is excess coverage up to $50,000, meaning it pays after your own insurance.
Does WorldTrips cover pre-existing conditions?
Atlas Journey waives the exclusion if you buy within 21 days of your first trip payment (14 days on Escape) and are medically able to travel. Otherwise a 90-day lookback applies.
Does WorldTrips offer Cancel For Any Reason?
Yes, as an optional Atlas Journey upgrade that pays 50% or 75% of nonrefundable costs, your choice. In New York it's replaced by Cancel for Fortuitous Reason.
How much does WorldTrips travel insurance cost?
WorldTrips' September 2026 sample quotes range from $78 to $187 for trips costing $3,000 to $7,500. Your price depends on age, trip cost, length, destination and state.
Can I buy WorldTrips coverage after I leave?
Atlas On-The-Go can be bought on the day of departure or after your trip starts, with protection beginning the next day. Atlas Journey cancellation coverage must be bought before you go.
Is WorldTrips BBB accredited?
Yes. WorldTrips has been BBB accredited since March 31, 2011 and is rated A+, with 28 complaints in the last 3 years.
Does WorldTrips have annual travel insurance?
Yes. Atlas MultiTrip is an annual travel medical plan covering multiple international trips of up to 30 or 45 days each.
Is WorldTrips available in every state?
Atlas Journey is sold to residents of U.S. states and D.C., but not Washington. Some upgrades are limited by state, and New Hampshire plans cap medical at $50,000.
Sources (6)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- WorldTrips: Home (plans, underwriters, address) (accessed October 13, 2026)
- WorldTrips: Atlas Journey trip cancellation insurance (accessed October 13, 2026)
- WorldTrips: Atlas Travel insurance (accessed October 13, 2026)
- BBB: WorldTrips profile (accessed October 13, 2026)
- Trustpilot: WorldTrips reviews (accessed October 13, 2026)
- NAIC: Should I get travel insurance? (accessed October 13, 2026)
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