Travel Insurance Options by WorldTrips

Travel insurance is one of those things you hope you never need but you’re glad to have if something goes wrong. Whether it’s a last-minute flight cancellation, a lost bag, or an unexpected visit to the doctor abroad, travel insurance can help you navigate the hiccups that sometimes come with travel.

At its core, travel insurance offers financial protection and assistance when your trip doesn’t go as planned. It can include things like medical coverage, trip cancellation benefits, and support services to help you find care, recover a passport or rebook travel.

At WorldTrips, we know no two travelers are the same. That’s why we offer travel insurance options for a wide range of needs from solo adventures to student exchanges, family vacations, and even long-term stays for remote workers and digital nomads. From popular tourist hubs to remote getaways, we offer coverage options to help you travel with confidence.

Travel Medical
Insurance

Atlas Travel

Ideal for international travelers who need travel medical insurance coverage while abroad. Choose your deductible and coverage limits to match your destination, length of stay, and budget.

Highlights

Coverage for New Illnesses, Injuries, and Accidents
Emergency Medical Evacuation
Emergency Dental
Accidental Death & Dismemberment
Lost Checked Luggage
Trip Cancellation

Learn more about Atlas Travel medical insurance

Trip
Insurance

Atlas Journey

A great option for U.S. residents looking for trip protection. Trip insurance includes benefits for trip cancellation, interruption, delays, and emergency medical care.

Highlights

Trip Cancellation
Trip Interruption
Trip Delay
Missed Connection
Medical: Accident and Sickness
Emergency Evacuation
Baggage Damage or Loss

Learn more about Atlas Journey Trip Insurance

International Student Insurance

StudentSecure

Travel insurance designed for international students. Choose from four StudentSecure plans that meet many visa requirements and include medical coverage, limited mental health benefits, and more.

Highlights

Meets J-1 Visa Requirements
Flexible Payment Options
Unexpected Injury and Illness Coverage
Telehealth
Emergency Medical Evacuation
Recreational Sports and Activities
Some Mental Health Benefits

Explore the Four StudentSecure Plans

Trip Cancellation
Trip cancellation insurance can help reimburse you for prepaid, non-refundable travel expenses if you need to cancel for a covered reason like getting sick, an injury, or severe weather.

Medical Evacuation
If you're seriously hurt or ill while traveling, you might need to be transported to a hospital that can properly treat you. Emergency medical evacuation coverage helps pay for that transportation whether by air, ground, or sea in order to save your life or limb when local care isn’t enough.

Delayed or Lost Luggage
Travel insurance can include coverage for baggage that’s delayed, lost, stolen, or damaged by a common carrier, helping you recover costs or purchase necessary essential items while you wait.

To qualify for coverage, it’s important to file a report with the airline as soon as you notice your baggage is missing or delayed. If your items are stolen, be sure to file a police report as well since these documents are often required when submitting a claim.

Medical Coverage
Travel medical insurance helps cover the cost of doctor visits, hospital stays, and other necessary medical treatment while you’re abroad, giving you access to care when you need it most.

Travel Delays
Flight delayed? Missed your connection? Travel delay benefits can help cover extra costs like meals, a hotel stay, or new travel arrangements when your trip is unexpectedly paused or thrown off course.

Accidental Death and Dismemberment
While no one wants to think about worst-case scenarios, accidental death and dismemberment coverage can provide financial support to your loved ones, or to you if a serious accident happens during your trip.

What Is the Accidental Death Benefit? ›

What is not Typically Covered by Travel Insurance?

While travel insurance can offer valuable protection for a wide range of situations, there are certain exclusions travelers should be aware of. In many cases you can add coverage through an upgrade or by choosing a plan with specific benefits. Always review your policy documents carefully to ensure your travel needs are fully covered.

Pre-existing Medical Conditions

Most standard policies don’t cover pre-existing medical conditions unless you qualify for and add a pre-existing condition waiver. These waivers are often available with trip cancellation insurance policies but only if you purchase your plan at or near the time you book your trip. Be sure to review timing requirements carefully to ensure eligibility.

Trip Cancellation Insurance ›

Adventure Sports and High-Risk Activities

Activities like bungee jumping, skydiving, scuba diving, and other high-adrenaline experiences are often not covered by standard travel insurance. However, some plans allow you to add an Adventure Sports Rider to extend limited coverage to certain activities.

Keep in mind that even with an Adventure Sports Rider, coverage almost always excludes participation in bodily contact sports, extreme sports, organized sports, and any race or speed contest. Be sure to carefully review the definitions and exclusions in your plan before participating in high-risk activities.

Trip Cancellation Insurance ›

Known Events (e.g., Pandemics, Civil Unrest)

Travel insurance typically does not cover events that were already known or reasonably foreseeable when you purchased your coverage. This includes things like named storms, ongoing pandemics, or civil unrest.

Importantly, if the U.S. Department of State has issued a Level 3 or higher travel advisory for your destination before your coverage was effective, related claims may not be covered. Always check advisories and alerts before purchasing a plan.

Pet Care Coverage

Unexpected trip cancellations due to the critical illness or death of a pet, or veterinary expenses for pets traveling with you, are not usually covered. Some plans may offer optional pet care protection. Check the specific plan details.

Rental Car Damage and Theft

Standard plans typically don’t include rental car protection. You may need to purchase a rental car damage and theft add-on or get separate coverage through your credit card or car rental company.

Trip Cancellation Insurance ›
Rental Car Protection Rider Option with Atlas Journey

What Type of Insurance Do I Need?
	Atlas Journey	Atlas Travel	Nomad Insurance	Student Insurance	Annual MultiTrip	Group Travel Medical	Atlas On-the-Go
Atlas Journey Atlas Travel Nomad Insurance Annual MultiTrip Group Travel Medical Atlas On-the-Go
Eligibility	U.S. Residents	International	International	International	International	International	U.S. Residents
Eligibility U.S. Residents International International International International U.S. Residents
Plan Type	Trip Protection & Medical	Travel Medical	Travel Medical	Travel Medical	Travel Medical	Travel Medical	Trip Protection & Medical
Plan Type Trip Protection & Medical Travel Medical Travel Medical Travel Medical Travel Medical Trip Protection & Medical
Domestic Travel	X						X
Domestic Travel X X Up to 100% of trip cost
International Trips	X	X					X
International Trips X X X Up to 100% of trip cost
Frequent Traveler	X	X			X		X
Frequent Traveler X X X X Up to 100% of trip cost
International Student				X
International Student
Remote Worker		X	X
Remote Worker X X
Cruises	X
Cruises X
Seniors	X	X
Seniors X X
Missionaries		X
Missionaries X
Last Minute Travel		X					X
Last Minute Travel X X

Travel Insurance Made
for How You Travel

At WorldTrips, we understand that no two journeys are the same. Whether you're visiting family in the U.S., studying abroad, or exploring the world, your travel needs are unique and your insurance coverage should be too. That’s why we offer flexible travel insurance options built to meet the needs of today’s travelers. With customizable coverage, multilingual support, and access to trusted healthcare providers, provides support for your travels when and where it’s needed most.

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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

Travel Insurance Options by WorldTrips