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Travel Medical Insurance

Health Coverage That Travels With You

What is Travel Medical Insurance?

Travel medical insurance —sometimes called travel health insurance—provides short-term medical coverage for unexpected illnesses, injuries, or emergencies that occur while you’re traveling outside your home country. It can also include benefits for travel delays, lost luggage, and emergency medical evacuation. 

Get coverage for medical treatment, travel mishaps, and emergencies as you explore the world abroad. This type of insurance is designed for international travelers who want temporary, affordable protection against high healthcare costs overseas. 

WorldTrips’ travel medical insurance is designed for:


Leisure travelers exploring destinations abroad


Students and study abroad participants

Business professionals traveling internationally
Families and groups visiting multiple countries

WorldTrips’ travel medical insurance offers:

  • Customizable Coverage – Choose your deductible, length of coverage, and overall coverage maximum to fit your travel plans.
  • Flexibility – Purchase a plan even after your trip begins, extend your coverage, or cancel your policy if plans change.
  • Ease of Use – Receive your policy documents instantly by email and manage your coverage anytime through our online Member Portal.

Whether you’re studying overseas, working abroad temporarily, or traveling for leisure, WorldTrips helps makes it simple to find medical coverage that fits your journey.

  • Why Do I Need Travel Medical Insurance?

    Even healthy travelers face risks like foodborne illness, unexpected injuries, or altitude sickness. Travel medical insurance can help reduce out-of-pocket expenses for medical care abroad. Here are a few reasons why you may need travel medical coverage for your international adventure:

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    International Travel

    Your regular health insurance may not cover you abroad. And very few plans pay for medical evacuation.
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    Country Requirements

    Some countries require travel medical insurance for entry. Atlas Travel meets Schengen visa and J-1 visa requirements.
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    Trip Requirements

    Some trip types require insurance.
    Think organized tours, study abroad trips, mission trips, and cruises.
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    Travel Delays

    A lengthy travel delay could leave you stranded at the airport. In covered situations, you’ll appreciate reimbursement for meals and a hotel stay.
  • young-female-traveler-walking-with-a-yellow-suitcase-at-the

    Lost Checked Luggage

    Your airline could lose your luggage. Travel medical insurance could cover the cost of replacing clothes and toiletries.

Why WorldTrips

Who is insuring you is just as important as the insurance plan you choose. For over 25 years, WorldTrips has provided travel insurance and compassionate service to help our customers travel fearlessly. Our knowledgeable customer representatives are available 24/7 to respond to your travel emergencies, no matter the situation, time zone, or spoken language. Our global support team assists with emergency medical evacuations, hospital admissions, and travel rebooking so you're now stranded without help.

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"Of the top eight travel insurance companies in our review, WorldTrips’ underwriting company is the only one to have an A++ (Superior) financial strength rating from AM Best."

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“WorldTrips is the best travel insurance company of 2024, based on our analysis of cost and coverage options.” 

Explore Travel Medical Insurance Plans

WorldTrips’ travel health insurance plans are called Atlas Travel. We offer two Atlas Travel plans that can help cover you nearly anywhere your adventures take you. Both Atlas Travel and Atlas Premium include benefits for hospitalization, prescription drugs, emergency medical evacuation, and repatriation of remains.

Atlas Travel

Atlas Travel is our standard travel medical insurance plan designed for single international trips. It is the most popular of our travel medical insurance plans. Designed for individuals, families, and students.

Plan Details

Atlas Premium

Atlas Premium provides the same benefits as our basic Atlas Travel plan with higher coverage limits for many important benefits. Consider Atlas Premium for shorter trips and travelers seeking extra peace of mind.

Plan Details

Access Quality Healthcare Abroad with Air Doctor

Air Doctor offers flexible healthcare options based on your location:

OUTSIDE THE U.S.
Choose from in-clinic visits, telehealth(video), or in-home/hotel appointments within your coverage area. Air Doctor connects you with vetted, local providers for convenient care wherever you are.

Air Doctor can provide seamless healthcare access to fit your travel needs.

WITHIN THE U.S.
Telehealth Services for U.S. Policies: For Atlas Travel plans covering the U.S., Air Doctor visits are limited to telehealth (video) services.

In-person visits may utilize the UnitedHealthcare PPO network, simply use your United Healthcare PPO network access, which allows you to present your ID card at thousands of network providers nationwide.

Access Trusted Doctors with Air Doctor

With WorldTrips Atlas Travel Insurance, Air Doctor connects you to a network of licensed doctors and medical specialists worldwide with an easy-to-use app, making it easy to find quality healthcare within your coverage area.

Air Doctor can help you access to quality medical care on your travels within covered areas, so you can focus on exploring with confidence. Learn more about Air Doctor.

What's the Difference Between Travel Medical & Trip Cancellation Insurance?

Travel Medical Insurance

Travel medical insurance provides coverage for medical bills from unexpected injury and illness, along with travel benefits for mishaps and emergencies. Travel medical plans tend to be budget-friendly. Travelers from most countries who are exploring the world abroad are eligible for a travel medical plan.

Optional upgrades include Crisis Response, Personal Liability, and Accidental Death & Dismemberment—or bundle all three and save. You can also add up to $2,000 of device protection for accidental damage to your phone, laptop, or tablet if you’re entering or exiting the United States.

Trip Cancellation Insurance

Trip cancellation insurance (also known as trip protection insurance) includes some medical coverage, but its core benefit is Trip Cancellation. This benefit provides coverage for prepaid, nonrefundable trip expenses if you cancel your trip for a covered reason. Trip cancellation insurance is only available to U.S. residents, and they may be traveling domestically and/or abroad.

Optional upgrades include Cancel for Any Reason, Interrupt for Any Reason, Adventure Sports, Rental Car Damage and Theft, Medical Evacuation, and Pet Care. (Be sure to check your coverage. Availability of upgrades can depend on the plan you choose and your state of residency.)

Eligibility TRAVEL MEDICAL INSURANCE TRIP CANCELLATION INSURANCE
U.S. citizens and residents
Non-U.S. citizens and residents
Domestic coverage
International coverage
TRAVEL MEDICAL INSURANCE TRIP CANCELLATION INSURANCE
Eligibility
U.S. citizens and residents
Non-U.S. citizens and residents
Domestic coverage
International coverage
Benefits Coverage TRAVEL MEDICAL INSURANCE TRIP CANCELLATION INSURANCE
Canceled trip
Interrupted trip
Unexpected medical expenses
Emergency medical evacuation
Pre-existing conditions Included with stipulations
24/7 emergency assistance
TRAVEL MEDICAL INSURANCE TRIP CANCELLATION INSURANCE
Benefits Coverage
Canceled trip
Interrupted trip
Unexpected medical expenses
Emergency medical evacuation
Pre-existing conditions
Included with stipulations
24/7 emergency assistance

More Travel Medical Insurance Plans

Need coverage for a large group, remote work, or multiple trips? Explore additional travel medical plans designed to better serve your individual needs. All WorldTrips plans include access to 24/7 travel assistance, multilingual emergency assistance, and online plan management.

Digital Nomad Travel

Atlas Nomads is travel medical insurance designed for those traveling and working abroad as digital nomads.

Plan Details

Group Travel

Atlas Group provides the same benefits and services of our popular Atlas Travel plan at a 10% reduced rate for groups of 5 or more. Our group travel plans may be ideal for family reunions, mission trips, student trips, and more!

Plan Details

Annual Travel

Atlas MultiTrip covers you for any number of pre-planned or last-minute trips abroad throughout a one-year period. Whether you’re constantly traveling for business or pleasure, an annual travel medical plan can help you save.

Plan Details

Travel to the U.S.

Atlas America is our Atlas Travel plan for international visitors to the United States. Some U.S. visas require travel medical insurance. Our Atlas America plan can help make sure you or your family members have coverage.

Plan Details

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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.

WorldTrips' Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).

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 (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.

In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705