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Review 2026
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.
Key Takeaway
WorldTrips earns an Expert Score of 4.5/5.0 from BestGuide, driven by its top-scoring Services criterion (95%). Founded in 1998 and part of the Tokio Marine HCC group, its plans are underwritten by insurers holding an A++ (Superior) financial strength rating from AM Best. With high medical evacuation limits and a broad range of trip, medical, and student plans, WorldTrips ranks among the more reliable providers for medical and trip protection. Transparency scores lower (80%) because pricing is quote-based rather than published online.
Best For: Best for travelers who want one provider for both trip cancellation and international medical coverage, with a financially strong underwriter and high evacuation limits.
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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.
Founded
1998
Parent group
Tokio Marine HCC
AM Best rating
A++ (Superior)
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WorldTrips offers three main coverage families: trip protection (Atlas Journey, Atlas Cruiser, Atlas On-The-Go), travel medical insurance (Atlas Travel, Atlas Premium, Atlas MultiTrip, Atlas Nomads, Atlas Group), and international student insurance (StudentSecure). You choose based on traveler type and destination, and all plans include 24/7 global travel assistance.
Quotes are available online in minutes. For trip protection, you enter trip cost, destination, and travel dates; for travel medical, you provide age, home country, and trip length. You can add Cancel for Any Reason (CFAR), which reimburses 50% or 75% of nonrefundable costs if purchased within 21 days of your initial deposit. Higher-tier plans include emergency medical evacuation up to $1 million.
After purchase, travel-medical customers use the online Member Portal to manage policies and file claims, while trip-protection customers use CBPconnect. Both let you track claims and work with WorldTrips through the process.
WorldTrips is built for travelers who want one provider for both trip cancellation and international medical coverage, backed by a financially strong underwriter.
Not ideal for travelers chasing the absolute cheapest quote, or for anyone who needs non-medical evacuation — repatriation of remains is included, but non-medical evacuation is not offered.
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.
Pros
Cons
WorldTrips is a legitimate travel insurance company that has operated since 1998 — more than 25 years — and is based in Carmel, Indiana. It is part of the Tokio Marine HCC group, and its plans are underwritten by Tokio Marine HCC insurers that hold an A++ (Superior) financial strength rating from AM Best, the agency's highest tier, indicating a strong ability to pay claims. WorldTrips has no known regulatory actions or lawsuits on public record, and its plans can meet visa requirements for Schengen and U.S. entry. Pricing is quote-based, and you manage policies and claims online through the Member Portal or CBPconnect.
WorldTrips earns an Expert Score of 4.5/5.0 from BestGuide, ranking among the more reliable travel insurance companies for travelers who value financial strength, high medical evacuation limits, and flexible plan options. Its plans are underwritten within Tokio Marine HCC, whose insurers carry an A++ (Superior) AM Best rating, and it offers everything from trip protection to travel-medical, cruise, nomad, and student plans. The trade-offs: pricing is only available by quote, there's no non-medical evacuation coverage, and post-trip service can lag its pre-trip experience. If you need the absolute cheapest premium or non-medical evacuation, compare other options — but for most international travelers, digital nomads, and students, WorldTrips offers strong, financially backed coverage.
BestGuide's expert panel gives WorldTrips a 4.5/5.0, citing strong Services (95%) and Reputation as its top criteria. The A++ (Superior) AM Best rating of its underwriters and its broad plan range are key positives.
Yes, for most international travelers. Its high medical evacuation limits, financially strong underwriter, and 24/7 assistance provide solid value, though pricing is quote-based rather than published.
WorldTrips stands out for the A++ (Superior) financial strength of its underwriters and its high medical evacuation limits. It doesn't offer non-medical evacuation, and its 12-hour baggage delay waiting period is longer than some competitors'.
Coverage includes trip cancellation and interruption, travel medical expenses, emergency medical evacuation (up to $1 million on higher tiers), baggage loss and delay, travel delay, and 24/7 assistance. CFAR is available for 50% or 75% reimbursement when purchased within 21 days of your initial deposit.
Travel-medical customers file claims through the online Member Portal, and trip-protection customers use CBPconnect. Both let you submit and track your claim with WorldTrips.
WorldTrips does not typically cover pre-existing conditions unless you purchase a waiver within a short window of your initial trip deposit (usually 14–21 days, varying by state). Check your specific plan's terms.
Yes. WorldTrips offers cruise-specific trip protection through Atlas Cruiser, covering issues like missed port departures and itinerary changes caused by covered events.
You can cancel a plan within the free-look window (typically 10–15 days, varying by state) for a full refund if no claim has been filed. After that, refunds are prorated.
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