Solo Travel Insurance
Solo travel puts you in charge—of your itinerary, your budget, and every decision along the way. It also means you’re the one handling any disruptions or mishaps that come up, from figuring out flights with travel delays to scheduling medical appointments in unfamiliar cities. Travel insurance can provide financial protection and travel support when those disruptions happen, so you can stay focused on the experience.
Do You Need Travel Insurance as a Solo Traveler?
If you’ve taken the time and care to plan your perfect solo adventure, going the extra step to protect the money you’ve spent on your trip could be a smart choice. The U.S. Department of State advises that all international travelers, including those traveling alone, should evaluate and consider travel insurance. Travel insurance can be helpful when you are traveling outside your home country and when your domestic health insurance offers limited or no overseas coverage.
Consider Travel Insurance if:
- You are traveling internationally and your health coverage is limited abroad
- You are visiting remote areas where evacuation is more difficult and pricier
- You have meaningful prepaid, nonrefundable expenses you cannot easily replace
You May Not Need Travel Insurance if:
- Your trip is inexpensive, flexible, and/or refundable
- Your domestic trip has minimal nonrefundable expenses
It is always important to understand what is included and excluded in your coverage before purchasing.
For 15 days of coverage for a 39-year-old traveling to Indonesia.
$0 deductible
$500,000 maximum coverage
What Type of Travel Insurance is Right for Your Solo Trip?
Travel Medical Insurance for Solo Travelers
While some solo trips involve lounging on the beach with a book in hand, others involve adventuring through a rainforest. Your trip is unique to you! When choosing a travel insurance plan, it’s important to consider what kind of coverage and benefits best suit your travel style and itinerary.
Many solo travelers choose travel medical insurance, which is mainly focused on covering unexpected medical expenses for an injury or illness that arise while you are traveling abroad. These plans often include a small number of travel benefits as well, such as limited coverage for lost checked luggage or travel delays.
With Atlas Travel medical insurance, you also gain access to Air Doctor, a service that can connect you to telehealth consultations, local clinics, or even medical care at your hotel. These flexible plans allow you to select your deductible and coverage limits based on your destination, trip length, and budget.
Solo Travel Trip Protection
For those who are embarking on a shorter trip filled with more pre-booked activities, you may find that a comprehensive trip protection plan is better suited for your trip. This kind of plan is a good choice if you want financial protection in case your trip is canceled, interrupted, or delayed, and you could lose prepaid expenses. Learn more about WorldTrips’ comprehensive trip protection plan, Atlas Journey.
Why Should You Get Travel Insurance for Your Solo Trip?
Every case is unique, but here are some scenarios that could happen when you’re traveling solo:
You arrive at your destination, ready to enjoy your solo trip. The next day you wake up with a fever.
Navigating a foreign healthcare system can be challenging and overwhelming, especially when you’re traveling by yourself. With Atlas Travel medical insurance, you have access to Air Doctor, which allows you to schedule doctor visits with local providers, whether it’s a virtual or in–person appointment. You can schedule care with a doctor in minutes, and your first 2 appointments are claimless.
One of your flights gets delayed and you miss your connecting flight. You rebook your flight for the next day but need to stay overnight in your connecting city.
While travel medical insurance primarily provides coverage for unexpected medical expenses incurred while traveling, it does include some travel delay benefits. With Atlas Travel, you may be reimbursed for reasonable meals and accommodations if your travel is delayed by 12 or more hours and the delay is caused by a covered reason.
During a game of beach volleyball with some locals, you sprain your ankle and need to visit urgent care or the hospital.
With Atlas Travel medical insurance, you can visit any healthcare provider of your choice, with no network restrictions. You can pay the provider at the time of service and file a claim afterward to get reimbursed for treatment and visit costs — provided that all correct documentation is submitted and this injury is not related to a pre-existing condition.* Coverage is subject to policy exclusions and limitations, view details.
Why Choose WorldTrips for Your Solo Travel Insurance?
If you’re thinking about purchasing travel Insurance, you want to make sure you’re picking a company that’s reliable and supports you when you need it.
With WorldTrips, you can travel with confidence. We’re backed by over 30 years of global experience protecting travelers worldwide, and we offer flexible coverage because we know that every trip is different. Each plan comes with 24/7 multilingual emergency assistance.
Our simple online claims portal helps make reimbursements easier to manage, and we provide a Description of Coverage when you purchase a policy, so you know from the start what’s covered and what’s excluded. WorldTrips has helped more than five million travelers worldwide, including students, families, professionals and more. We would love to join you on your solo travel adventure!
"My go to when I am in need for trip insurance and emergency travel healthcare. Easy to manage and get what you need!" —Ameylynn
“WorldTrips is the best travel insurance company of 2024, based on our analysis of cost and coverage options.”
Safety Tips for Solo Travelers
Before you leave on your solo adventure, it can be helpful to have a few things prepared so that if anything unexpected happens while you’re traveling, you have a plan in place.
- Research your destination ahead of time so you are aware of travel advisories and local requirements, as well as making copies of key documents, such as your passport, and storing them separately from the original (The U.S. Department of State.)
- Enroll in Smart Traveler Enrollment Program (STEP), a free service that sends you email updates and alerts from the US embassy or consulate in the destination you are visiting about weather, security, travel advisories and more.
Smartraveller, an Australian government website, recommends that solo travelers:
- Research accommodations ahead of time and avoid sharing accommodations with strangers if possible.
- Arrive during the day if possible
- Research local and public transport ahead of time
- Share your detailed travel plans with friends and family back home.
- Be cautious not to reveal that you are a solo traveler, even to new friends
- Never leave your drink unattended.
Does Medicare cover me outside the U.S.?
According to Medicare.gov, Medicare typically does not provide coverage outside the United States, aside from a few narrow exceptions. Because of this, travelers who rely on Medicare often need additional insurance for medical care abroad, a limitation that also applies to many U.S.-based health insurance plans.Can travel Insurance help if I lose my passport while traveling alone?
If you have purchased coverage with WorldTrips and require assistance, you can always call our 24/7 emergency support line and they will be able to guide you. You will need to report your passport as lost or stolen and find the nearest embassy or consulate for guidance (U.S. Department of State). With Atlas Travel Medical Insurance, you may be reimbursed for reasonable cost in replacing your passport or travel visa.What happens if I am hospitalized while traveling alone?
With WorldTrips, you can always call our 24/7 emergency support line and we will be there to help you navigate your situation. We can help locate appropriate medical facilities, coordinate care, and more. You also have coverage for emergency medical evacuation if needed for life saving measures.
WorldTrips offers several different options in terms of Travel Insurance. We offer customizable options, global coverage, and 24/7 emergency travel assistance with all plans. Get a quote today and find the plan that is right for you!
*Pre Existing Condition Definitions
Pre existing condition definitions vary by plan type. Review the definition that applies to the product you are considering.
Comprehensive Trip Protection
(Atlas Journey, Atlas On the Go)
Pre existing condition means an illness, disease, or other condition during the 90 day period immediately before your coverage effective date for which you did any of the following:
• received a test, examination, or medical treatment
• received a recommendation for a test, examination, or medical treatment
• took or received a prescription for medication
Item (3) above does not apply to a condition that is treated or controlled solely through the use of prescription medication and remains treated or controlled without any change in required prescription throughout the 90 day period before your coverage effective date.
Change in required prescription means the dosage or frequency has been increased, reduced, stopped, and or new medication has been prescribed due to the worsening of the condition being treated. Exceptions include:
• switching between brand name and generic medication with equivalent dosage
• adjustments to insulin or anti-coagulant dosage
Pre-existing Condition Exclusion Waiver: Pre-existing conditions are excluded from coverage unless you meet both of these requirements: 1) you purchase your Atlas Journey Elevate or Explore plan within 21 days or purchase your Atlas Escape plan within 14 days of the date you made your first payment toward your trip; and 2) you are medically able to travel on your coverage effective date.
If you do not purchase your Atlas Journey plan within the required time period, a 90-day lookback period will apply to pre-existing conditions. Coverage varies by plan and state of residency. Please review the policy documents specific to your plan and state of residency for a full list of covered reasons, conditions, and exclusions.
Travel Medical Insurance
(Atlas Travel, Atlas Premium, Atlas Nomad, Atlas MultiTrip, Atlas America)
Pre-existing Conditions are excluded except for an applicable Acute Onset of a Pre-existing Condition.
Pre existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance. This applies whether or not the condition was previously manifested, symptomatic, known, diagnosed, treated, or disclosed, and includes any subsequent, chronic, or recurring complications or consequences related to the condition.
An Acute Onset of a Pre-existing Condition means a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time is not acute onset of a pre-existing condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) was told that he/she must or should receive, any medical care, drugs or treatment.
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WorldTrips is a member of the Tokio Marine HCC group of companies. WorldTrips international travel medical insurance products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).