About WorldTrips

WorldTrips Is a Tokio Marine HCC Company

WorldTrips is a full-service organization offering a comprehensive portfolio of travel medical and trip protection insurance products designed to address the insurance needs of travelers worldwide. 

WorldTrips (previously Tokio Marine HCC – Medical Insurance Services Group, HCCMIS®) was established in 1998 in Indianapolis, IN. We were among the first to make insurance products and services available via the internet. Our customers can review coverage options, obtain quotes, purchase insurance, and receive their insurance documents – all electronically, without human intervention, 24 hours a day.

Today, many thousands of international insurance professionals host our electronic tools on their websites, and this number continues to grow. We currently offer travel medical insurance to customers in over 130 countries and trip protection insurance to residents of the U.S.



WorldTrips’ travel medical and trip protection insurance products are known and used daily by many thousands of individuals, families, corporations, and service groups around the world. These products are all designed with the unique needs of the international market in mind.

Markets for our travel medical insurance products include:

  • U.S. citizens traveling or residing outside of the U.S.
  • Non-U.S. citizens traveling or residing in the U.S. or abroad
  • Sales professionals and frequent travelers taking multiple international trips in a one-year period
  • Student groups, mission groups, friend groups, and families traveling abroad
  • International students

Markets for our trip protection insurance products include:

  • U.S. citizens and residents seeking coverage as they travel outside of the U.S.
  • U.S. citizens and residents seeking to supplement their regular health insurance as they travel within the U.S.
  • U.S. citizens and residents taking a cruise domestically or abroad


WorldTrips’ team of customer service specialists are available 24 hours a day, seven days a week to respond to customers’ travel emergencies. No matter the time zone, no matter the language, no matter the culture, we have the resources to provide our customers with the service they need, when and where they need it most.

While we pride ourselves on delivering our products electronically, we also realize that computers can never replace a knowledgeable and compassionate voice in a time of need. Well-trained and experienced people are available to provide both emergency and travel assistance services.


As a member of the Tokio Marine HCC group of companies, we operate with the mission “To Be a Good Company.” We will be there for our customers, playing our part in society in times of need. We will balance our strength as an organization with compassion as individuals, looking beyond profit to deliver fully on our commitments. Through our collective efforts, we will strive to be a Good Company, living up to the trust placed in us.

While growing revenues and increasing profits are important, we recognize the need to give back to the local and global communities where we do business. Our companies and its employees are involved in a number of diverse projects that help children and the disadvantaged and promote health care education and diversity. WorldTrips invites you to experience the difference that an enlightened corporate culture can make.


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About Tokio Marine HCC

Tokio Marine HCC is a member of the Tokio Marine Group, a premier global company founded in 1879 with a market capitalization of $36 billion as of December 31, 2020. Headquartered in Houston, Texas, Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom, and Continental Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.

The company’s products and capabilities set the standard for the industry, and many of its over 3,000 employees are industry-leading experts. Each of the company’s highly entrepreneurial businesses are equipped to underwrite special situations, companies, and individuals, and acts autonomously to deliver effective solutions.

Tokio Marine HCC’s major domestic insurance companies have financial strength ratings of “A+ (Strong)” from S&P Global Ratings, “A++ (Superior)” from A.M. Best, and “AA- (Very Strong)” from Fitch Ratings; its major international insurance companies have financial strength ratings of “A+ (Strong)” from S&P Global Ratings.

Tokio Marine HCC is the marketing name used to describe the affiliated companies under the common ownership of HCC Insurance Holdings, Inc., a Delaware-incorporated insurance holding company. For more information about Tokio Marine HCC, please visit www.tokiomarinehcc.com.



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 by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.

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