How much do you really know about travel medical insurance? Get ready because we are going to break it all down for you! Whether you're a first-time buyer or a seasoned traveler, you may still have questions when it comes to choosing, purchasing, and using your travel medical policy. So scan the topics below and click the links the learn more!


What You Should Know Before You Buy

What Is Travel Medical Insurance?

  • How Travel Medical Insurance Coverage Differs from Primary  Health Insurance Coverage
  • What Benefits Are Typically Included— and Which Aren't
  • How Travel Medical Insurance Differs From Trip Protection Insurance

How Does Travel Medical Insurance Work?

  • When and Where You're Covered
  • How to Use Your Insurance
  • How Billing and Payments Work
  • Where to Seek Treatment

Why Buy Travel Medical Insurance?

  • Potential Financial Consequences of an Uninsured Ailment
  • Examples of Real Emergency Situations and Medical Costs from Actual Global Travelers
  • Real-life Cost Comparison: Emergency Medical Expenses With and Without Travel Medical Insurance

Who Should Buy Travel Medical Insurance?

  • What Kinds of Travelers Should Purchase Travel Medical Insurance
  • Questions to Ask Yourself Before You Purchase a Policy

Who Shouldn't Buy Travel Medical Insurance?

  • What Kinds of Travelers Should Reevaluate Their Needs— and Why

How To Choose Your Insurance Policy

How to Choose the Best Travel Medical Insurance

  • How to Determine Which Type of Policy You Need
  • What to Look For in Terms of Benefits, Coverages, and Deductible
  • Steps for Choosing the Best Company

Understanding Insurance Reviews Online

  • Which Reviews to Trust (and Which Not To!)

What To Do Before You Buy a Policy

  • How to Ensure You Get the Best Policy for Your Needs

How to Purchase Your Insurance Policy

How to Buy Travel Medical Insurance

  • What Information You Should Have on Hand
  • Step-by-Step Explanation of the Purchasing Process

How To Use Your Insurance Policy

What To Do After You Buy a Policy

  • How to Ensure You Understand Your Coverage
  • How to Prepare Should You Need to File a Claim

 How Does the Claims Process Work?

  • How Direct Billing and Reimbursement Work
  • Claims Process Timeline
  • How to Speed Up the Process


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