International Travel Medical Insurance

Prepare for the Unexpected With Travel Medical Insurance

International travel medical insurance can’t prevent you from catching a stomach bug or breaking your ankle while sightseeing. But it could help you find a quality doctor or hospital and reimburse you for unexpected healthcare costs so you can continue enjoying your trip.

Consider international travel medical insurance if you’re traveling abroad for:

  • Vacation
  • Business
  • Cruise, guided tour, or safari
  • School trip or mission trip
  • Backpacking or adventure

Discover the Benefits of Atlas Travel

Plan Details
Deductibles $0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period

Deductibles

$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Maximum Per Injury or Illness

Age 80 or Older: $10,000

Age 65 to 79: $50,000 or $100,000

All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000

Maximum Per Injury or Illness

Age 80 or Older: $10,000

Age 65 to 79: $50,000 or $100,000

All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000

Overall Maximum Limit

Age 80 or Older: $10,000

Age 65 to 79: $50,000 or $100,000

All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000

Overall Maximum Limit

Age 80 or Older: $10,000

Age 65 to 79: $50,000 or $100,000

All Others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000

Coinsurance We will pay 100% of eligible expenses after the deductible up to the overall maximum limit

Coinsurance

We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
Emergency Room Co-Payment

Claims Incurred in the U.S.

You are responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital.
There will be no co-payment for emergency room treatment of an injury.

Claims Incurred Outside the U.S.

No co-payment

Emergency Room Co-Payment

Claims Incurred in the U.S.

You are responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital.
There will be no co-payment for emergency room treatment of an injury.

Claims Incurred Outside the U.S.

No co-payment

Urgent Care Center Co-Payment

Claims Incurred in the U.S. 

You are responsible for a $15 co-payment for each visit
– co-payment is waived for members with a $0 deductible
– not subject to deductible

Claims Incurred Outside the U.S

No co-payment

Urgent Care Center Co-Payment

Claims Incurred in the U.S. 

You are responsible for a $15 co-payment for each visit
– co-payment is waived for members with a $0 deductible
– not subject to deductible

Claims Incurred Outside the U.S

No co-payment

Travel Assistance Services

Atlas Travel customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7.

Services include:

  • Provider, embassy, and legal referrals
  • Translations and interpretations
  • Help obtaining replacements for lost travel documents
See all available services.

Travel Assistance Services

Atlas Travel customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7.

Services include:

  • Provider, embassy, and legal referrals
  • Translations and interpretations
  • Help obtaining replacements for lost travel documents
See all available services.
Policy Documents  View policy documents.

Policy Documents 

Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.

Enhance Your Coverage

Upgrade your international travel medical insurance coverage with these optional benefits upon checkout:

  • Crisis Response – Increase your Crisis Response coverage amount to $100,000 (with $10,000 for natural disaster coverage)
  • Personal Liability – Increase your Personal Liability coverage amount to $100,000
  • Accidental Death & Dismemberment – Increase your AD&D coverage amount to $50,000

Or bundle all 3 upgrades and save!

Entering or exiting the United States? Add $2,000 of device protection coverage by bolt for your phone, laptop, and tablet.

 

What if I Need Additional Travel Medical Insurance Coverage?

Get Higher Coverage Limits With Atlas Premium

Atlas Premium provides the same benefits as our popular Atlas Travel plan with increased limits for many benefits. If you’re worried about things that could go wrong on your trip or have destination-related safety concerns, consider Atlas Premium’s higher coverage limits.

Check out these plan highlights or see a full benefit comparison here.

Benefit ATLAS TRAVEL INSURANCE ATLAS PREMIUM INSURANCE
Crisis Response $10,000 ↑ $100,000
Emergency Reunion $100,000 (15-day max) ↑ $150,000 (15-day max)
Political Evacuation $100,000 ↑ $150,000
Trip Interruption $10,000 ↑ $15,000
Lost Checked Luggage $1,000 ↑ $2,000
Travel Delay $100/day (2-day max; 12-hr delay) ↑ $200/day (2-day max; 12-hr delay)
Natural Disaster $250/day (5-day max) ↑ $500/day (5-day max)
ATLAS TRAVEL INSURANCE ATLAS PREMIUM INSURANCE
Benefit
Crisis Response
$10,000 ↑ $100,000
Emergency Reunion
$100,000 (15-day max) ↑ $150,000 (15-day max)
Political Evacuation
$100,000 ↑ $150,000
Trip Interruption
$10,000 ↑ $15,000
Lost Checked Luggage
$1,000 ↑ $2,000
Travel Delay
$100/day (2-day max; 12-hr delay) ↑ $200/day (2-day max; 12-hr delay)
Natural Disaster
$250/day (5-day max) ↑ $500/day (5-day max)

Why Choose WorldTrips?

Who is insuring you is just as important as the insurance plan you choose. Since 1998, WorldTrips has provided international travel medical insurance to help our customers confidently explore the globe.

Our knowledgeable team of customer service professionals is standing by 24/7 to support you through unexpected travel emergencies. No matter the spoken language. No matter the time zone.

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“WorldTrips is the best travel insurance company of 2024, based on our in-depth analysis of travel insurance policies."

Is International Travel Medical Insurance Required for Travel Abroad?

Not necessarily. Some countries require foreign visitors to have international travel medical insurance that meets specific requirements. Others may only require proof of valid insurance for the duration of a trip.

Some visas require insurance as well. If you need a Schengen visa to visit Europe’s Schengen Area, you’ll need Schengen visa insurance. If you’re traveling to the U.S. on a J-1 visa, you’ll need J-1 visa insurance. (Hint: Atlas Travel meets both Schengen and J-1 visa requirements.)

Some types of trips may require insurance too. Think organized tours, cruises, study abroad trips, and mission trips. International travel medical insurance from WorldTrips could fit the insurance coverage necessary for your trip. 

Will My Current Health Plan Cover Me Overseas?

There’s a good chance your regular health plan that covers you on a day-to-day basis may not provide adequate coverage once you leave your home country. Even if it does include some overseas benefits, it may not offer medical evacuation coverage or supplemental travel coverage (like reimbursement for a long delay or the airline losing your checked luggage).

You may also wonder if your credit card offers any coverage—and if it does, whether that coverage is enough. While your travel-related credit card might include some compensation for airport and luggage mishaps, it’s unlikely that it includes coverage for an unexpected injury or illness.

Ask yourself: Could I afford to pay for an overnight hospital stay or treatment of a broken ankle while sightseeing abroad? If not, consider international travel medical insurance like Atlas Travel. You might be surprised how easily it fits into your budget.

How Much Does International Travel Medical Insurance Cost?

Travelers are often surprised by the budget-friendly cost of international travel medical insurance. Our Atlas Travel plan starts at less than $1 a day.

Here are the factors that influence the cost of a plan with WorldTrips:

  • Age – As your age group increases, so will your plan cost
  • Destination – Trips that include the U.S. are more expensive to cover due to healthcare costs
  • Trip Length – Longer trips are more expensive to cover
  • Overall Maximum Limit – As your overall maximum limit increases, so will your plan cost
  • Deductible – As your deductible increases, your plan cost will decrease
  • Optional Upgrades – Coverage add-ons will increase your plan price
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How International Travel Medical Insurance Works in Action

  • You’re hospitalized with a serious bout of food poisoning.

Your Atlas Travel international medical insurance policy could help you find a suitable hospital. Your plan would cover eligible medical expenses, which could include your ambulance ride, hospital stay, diagnostic testing, physician charges, and more.WorldTrips could also arrange translation assistance and provide medical monitoring to keep your family updated on your condition.

  • You’re hiking through a remote area when you fall and become seriously injured.

The nearest medical facility does not have the equipment to provide the medically necessary treatment. Fortunately, your Atlas Travel plan’s Emergency Medical Evacuation benefit pays the $30,000 it costs to transport you by helicopter to the nearest hospital.

  • You’ve just touched down in your destination when you receive the devastating news that your sister-in-law has passed away. You decide to return home immediately.

Your Atlas Travel policy’s Trip Interruption benefit could pay for your plane ticket back to your home country so you can be with your family.

  • Your flight is delayed until the next morning due to snowstorms.

You grab a warm meal and book a hotel room so you don’t have to stay at the airport overnight. Your Travel Delay benefit could reimburse you up to $100 for meals and accommodations resulting from a covered delay of 12+ hours.

  • You’re exploring the city alone when you’re suddenly kidnapped for a small ransom.
Your spouse contacts the police and WorldTrips. Your Atlas Travel policy’s
Crisis Response benefit could pay for your $1,000 ransom and for an experienced, multilingual crisis response team that safely negotiates your release.

More International Travel Medical Insurance Plans

Need coverage for remote work, frequent international travel, or a group of travelers? Discover additional international travel medical plans designed for these types of travel.

Nomad Insurance for Remote Workers

Digital nomads who are non-U.S. residents working outside of their home country are eligible for an Atlas Nomads plan.

Travel Medical Insurance for Groups

Traveling with a group of 5 or more? Purchase Atlas Group and get the same benefits and services of our popular Atlas Travel plan at a 10% reduced rate.

Annual Travel Medical Insurance

Save time and money by purchasing one Atlas MultiTrip plan to cover you for any number of pre-planned or last-minute trips abroad throughout a one-year period.

Visitor Medical Insurance for Travel to the U.S.

When your international travel includes the United States, your Atlas Travel plan will be referred to as Atlas America. This plan meets J-1 visa requirements and can provide coverage for you or your family members as they visit the States.

FAQs: WorldTrips' Travel Medical Insurance Plans

How Do I Register for a Member Portal Account?

Register for a Member Portal account. Here’s how:

1. Visit Member Portal at https://worldtrips.my.site.com/MemberPortal.
2. Under “Continue Sign In” click “First-time user? Register for an account.”

 member-portal-welcome-page

3. On the Register page, enter the email address you wish to use to sign into your account. This email does not need to match the email address associated with your policy.

Enter your policy number and select whether or not you are the insured or the insured’s legal guardian. Enter the insured’s first and last name as entered on the policy. (You can see how the insured’s name was entered on your ID card and fulfillment documents that were sent to you upon purchase.)

Enter the insured’s date of birth. Then choose a password. Follow the password instructions noted on the page.

Read and agree to the terms and conditions by checking the box. Then click the “Continue” button.

 member-portal-registration-page

 4. You will be taken to the Sign In page. Enter the email address and password you used to register your account and click “Sign In.”

 member-portal-sign-in-page-white

 

5. To add an additional layer of security when signing into your account, you will be prompted to choose your preferred multifactor authentication method.

Options Include:
a. Okta Verify - Click "Setup" if you wish to use a push notification sent to the mobile app

b. SMS Authentication* - Click "Setup" if you wish to enter a single-use code that is sent to your mobile phone

c. Voice Call Authentication* - Click "Setup" if you wish to follow voice instructions via phone

d. Security Question - Click "Setup" if you wish to answer a security question

 *Please be sure to use a method which you will have continual access to on your travels. Do not use phone numbers that will not work outside of your current service area.

 member-portal-multifactor-authentication-page

 6. Follow the setup instructions of your chosen multifactor authentication method. Then click “Finish.”

 7. On the resulting page, choose a "Forgot Password" question. Make sure you select a question with only one correct answer that is easy to remember.

 Type the answer into the blank box below "Answer." You will need this answer to access your account if you ever forget your Member Portal password and need to reset it.

 You may also choose to add a phone number for resetting your password or unlocking your account using SMS text message or a voice call if you don’t have access to your email.

 Click "Create My Account."

 member-portal-forgot-password-page

How Do I Submit a Claim?

You must complete, sign, and submit a Claimant's Statement and Authorization form along with proof of claim (itemized bills, payment receipts, medical records, police reports, etc.) for every incident.

Filing a Claim on Behalf of Someone Else? If you are filing this claim on behalf of another person, you MUST fill out the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information" – also known as a HIPAA form. This section must be signed by the policyholder in order for us to speak with you regarding any of the policyholder's Protected Health Information (PHI). Without this signed form, we may only disclose to you the status of the claim.

You can complete and submit the Claimant's Statement and Authorization form along with supporting documents in one of the following ways:

- Via DocuSign within Member Portal (Most Efficient Approach)

1. Go to Member Portal (formerly Client Zone / Student Zone).
2. Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.

If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

3. Click "Claims and Appeals" in the main navigation menu.
4. Click “Submit New Claim Via DocuSign” button under the “Claimant’s Statement and Authorization Form” subheader in the “File a Claim” section and follow the instructions.

For more extensive step-by-step instructions, including screenshots, please see our “How to Submit a Claim” guide

Don’t Have Access to the Claims and Appeals Page? If you noted that you are not the insured or the insured’s legal guardian, you will see the Protected Health Information Authorization page in place of the Claims and Appeals page. Enter the insured’s email address and click “Send Request.” Once the insured has completed and submitted our HIPAA form, you will gain access to the Claims and Appeals page and have the ability to submit a claim within 3-5 days.

-By Mail
1. Download the Claimant's Statement and Authorization form.
2. Print, complete, and sign the form. Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. WorldTrips is also happy to fax, e-mail, or mail the form(s) to you upon request.

Important Note for Students
For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form:
- A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019
- Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)

Can I Submit a Claim on Behalf of Someone Else?

Yes, you may submit a claim on behalf of someone else, but you must fill out the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information" - also known as the HIPAA form. We must have a completed copy of this form signed by the policyholder if you wish to speak with us regarding any of the policyholder's Protected Health Information (PHI). Without this signed form, we may only disclose to you the status of the claim. If you have already submitted a claim and you did not complete this section OR if WorldTrips has requested that you submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA), you do not need to fill out another claim form. 

How Do I Submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA Form) If I Did Not Complete This Section of the Claim Form?

If you have already submitted a claim on behalf of someone else and did not complete this section OR if WorldTrips has requested that you submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPAA), you do not need to fill out another claim form. You can submit the HIPAA form separately in one of the following ways:

- Electronically via Member Portal

  1. Go to Member Portal.
  2. Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.

If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

  1. Click "Claims and Appeals" in the main navigation menu.

If You See the Protected Health Information Authorization Page:

- Because you selected that you are not the insured or the insured's legal guardian upon registering for Member Portal, you do not yet have access to the Claims and Appeals page.
- Under the "Protected Health Information Authorization" header, enter the insured's email address and click the "Send Request" button.
- The insured will receive an email with a link to complete, sign, and submit the HIPPA form via DocuSign. You will gain access to the Claims and Appeals page and will be able to see the status of any pending claims within 3-5 days of the date the policyholder completed and submitted the form.

If You See the Claims and Appeals Page:

- Click the "Fill Out and Submit Via DocuSign" button under the "Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA)" subheader in the "File a Claim" section.
- Enter the insured's name and an email address and click the "Begin Signing" button.
- Click the yellow "Continue" button, fill out the form and the required information (as noted by the red boxes); have the policyholder sign the form, and click the yellow "Finish" button.
- Clicking "Finish" submits the document and sends a PDF of your signed Authorization Form for Use and/or Disclosure of Protected Health Information to the email address entered. Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.

- By Mail
  1. Download the Authorization Form for Use and/or Disclosure of Protected Health Information.
  2. Print, complete, and have the policyholder sign the form.
  3. Mail to:
    WorldTrips Claims Department
    PO Box 240358
    Apple Valley, MN 55124
    U.S.A.

When and How Will I Receive My Fulfillment Documents?

During the checkout process, you will have the option to receive your ID cards and other fulfillment documents by:

  • Email only OR by
  • Email and hard copy

If you select “Email only,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. This typically takes a few minutes or less.

If you select “Email and hard copy,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. You will also receive hard copies of your ID cards and fulfillment documents by mail to the address you entered on your application.

How Long Do I Have to File a Claim?

You must report a claim to us within 30 days of a loss occurring, or as soon as reasonably possible. You or someone on your behalf may provide the notice, which must include enough information to identify you. You must provide proof of loss within 90 days of the date or loss, or as soon as reasonably possible. Proof cannot be provided more than 12 months from the time it is otherwise required, except in the absence of legal capacity.

What If I Do Not Agree with a Claim's Denial?

There may be situations when you choose to appeal how a claim was processed. You may appeal your claim decision using one of the following methods:

- Submit the Claimant Appeal Request Form Via DocuSign within Member Portal:

  1. Sign into Member Portal. You will be presented with your Member Portal home page.
  2. Click “Claims and Appeals” in the main navigation menu at the top of the page. You will be presented with the Claims and Appeals page.
  3. Switch the toggle at the top of the page under the “Claims and Appeals” header from “Claims” to “Appeals.”
  4. To file an appeal via DocuSign, click the “Fill Out and Submit Via DocuSign” button under the “Claimant Appeal Request Form” subheader in the “File an Appeal” section.
  5. Enter your name and email address on the PowerForm Signer Information page and click the “Begin Signing” button.
  6. Click the yellow “Continue” button to the right.
  7. Fill in all the required information on the form (as indicated by the red text boxes) and sign everywhere a signature is required (as indicated by the yellow “Sign” boxes).
  8. Attach your supporting documents (medical records, receipts, itemized bills, etc.), if necessary, at the bottom righthand corner of the page via the yellow attachment boxes. If you have more than 3 attachments or exceed the 5MB attachment limit, see instructions for submitting additional documents here.
  9. When you are done, click the yellow “Finish” button at the bottom of the page. Clicking “Finish” submits your documents and sends a PDF of your signed Claimant Appeal Request Form to your email.
  10. Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.

[CALLOUT] Want more detailed instructions including screenshots? See the “Claimant Appeal Request Form Submitted Via DocuSign within Member Portal (Most Efficient Approach)” section of our “How to Submit a Claim” guide. [ /END CALLOUT]

- Submit the Claimant Appeal Request Form Via Email or Mail
  1. Download the Claimant Appeal Request Form.
  2. Fill out the form and email it, along with additional documentation that supports your reasoning and position (medical records, receipts, itemized bills, etc.), to appeals@worldtrips.com. OR Mail the form and supporting documents to:
    WorldTrips Appeals
    PO Box 240358
    Apple Valley, MN 55124
    U.S.A

- Submit a Written Appeal Letter Via Email or Mail

  1. Write a letter of appeal following the appeal procedure instructions outlined in your policy documents/certificate of coverage.
  2. Email this written letter of appeal, along with additional documentation that supports your reasoning and position (medical records, receipts, etc.), to appeals@worldtrips.com. OR Mail the form and supporting documents to:
    WorldTrips Appeals
    PO Box 240358
    Apple Valley, MN 55124
    U.S.A

IMPORTANT! In order for our claims department to review the appeal, you must provide additional documentation or information to support a reversal of the denial. Please note that submission of the appeal will lead to re-evaluation of your claim but does not guarantee that the initial benefit determination will be altered.

Why Am I Receiving So Many Letters?

For each claim we receive, we will send you an acknowledgement letter notifying you that we have received your claim. The acknowledgement letter will also notify you of any additional information that we need or information that is still outstanding from a prior request. Additionally, each time we request information from you or your medical providers, we will send you a letter to notify you of the request.

What Is Included in the Fulfillment Documents?

Your fulfillment documents will include:

Instructional Information

  • How to seek medical treatment
  • How to file a medical claim
  • How to access Member Portal (our online self-service portal where members can manage their policies)
  • How to contact WorldTrips

Declaration Page

  • Link to the Description of Coverage for your policy
  • Name, address, ID number, and citizenship of the insured
  • Policy start and end dates and length of coverage
  • Certain policy details including plan name, overall maximum limit, maximum per injury/illness, deductible, and any optional coverage elected
  • Purchase date, payment type, and amount paid
  • Name and address of plan administrator

Policyholder/Certificate Holder Notice

  • Important notice about OFAC sanctions

European Union GDPR Data Protection Notice (Note that you will only receive this notice if you are a citizen or resident of the European Union OR if you are a visitor traveling to the European Union)

  • Information about our privacy policy
  • How we use your personal and sensitive information and who we may disclose it to
  • Information about your data protection rights
  • How to opt out of marketing communications or withdraw your consent

ID Card

  • Name of insured(s)
  • Certificate/policy number and effective date of coverage
  • Instructions on how to file a claim
  • Name and logo of PPO network
  • Instructions on how to find a provider

Learn more about your ID card here.


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WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. 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.