If you’re always on the go, you can save time and money by purchasing one annual travel medical insurance plan. Annual travel insurance can cover you for any number of preplanned or last-minute international trips in a 364-day period. This cost-effective solution to frequent travel means you can have international health coverage for your planned travels.

Consider annual travel medical insurance if you’re a:

  • Frequent international tourist or vacationer
  • Business professional who travels for conferences and meetings
  • Remote worker who splits time between home and hotels abroad
  • Spontaneous traveler who tends to book last-minute trips

Discover the Benefits of Atlas MultiTrip™

Plan Details
Overall Maximum Limit $1,000,000

Overall Maximum Limit

$1,000,000
Maximum Per Injury or Illness

$1,000,000

Maximum Per Injury or Illness

$1,000,000

Deductible

$250 per covered trip

Deductible

$250 per covered trip

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
- 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
- not subject to deductible
 
Claims incurred outside the U.S.
No co-payment
Travel Assistance Services

Atlas MultiTrip 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 MultiTrip 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  Click here to view your policy documents.

Policy Documents 

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

Why Choose WorldTrips for Annual Travel Insurance?

WorldTrips has been a leader in the travel insurance industry since 1998. When you purchase annual travel medical insurance from WorldTrips, you can travel confidently knowing your annual plan covers unexpected eligible medical benefits.

Our customer service team is available 24/7 to support you if you encounter a travel emergency. Travel assistance services like hospital and pharmacy referrals, can help replacing lost travel documents, translation assistance, and more are available during business hours 365 days a year.

We are proud to have been recognized in two Forbes Advisor award categories this past year: “Best Travel Insurance Companies” and “Best Covid-19 Travel Insurance Plans.” We have also been featured in Forbes, CNBC, CNN Underscored, Condé Nast Traveler, USA Today, and NerdWallet.

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

How Many Trips Do I Have to Take to Make Annual Travel Insurance Worth It?

The number of trips required to make annual travel medical insurance worth the price depends on several personal factors:

Frequency of Travel

If you anticipate taking two or more international trips in the next year, annual travel medical insurance may be more cost-effective than purchasing a separate insurance plan for each trip.

Length of Trips

When you purchase a single travel medical insurance plan, the length of your trip impacts your cost. Longer trips mean a higher premium. Annual travel medical insurance covers you for any number of international trips of up to 30 or 45 days, so multiple trips of several weeks or more may justify the expense.

Destinations

Your travel medical policy may be more expensive if you’re planning to travel to a destination with more costly healthcare. Consider annual travel medical insurance for multiple international trips to a location with higher medical costs, like the United States.

Ultimately, the decision to purchase annual travel insurance depends on your travel habits, preferences, and budget. If you travel abroad frequently throughout the year and want the convenience of continuous medical coverage, annual travel medical insurance may be a worthwhile investment for you.

Remember: Quotes from WorldTrips are quick and free. You can get multiple quotes for single-trip plans and compare the cost to annual travel insurance to see what makes the most sense for your travel plans.

Understanding Coverage Periods for Annual Travel Insurance

Your Atlas MultiTrip medical insurance plan will provide you with 364 days of international travel medical coverage starting from the day your policy goes into effect—whether that’s at the start of a calendar year or any time after. You can purchase annual travel insurance coverage before your trip, on the day you leave, or even after you’ve departed.

How Annual Travel Medical Insurance Works in Action

  • You’re hospitalized after you fall and break your leg while exploring your destination.
Your Atlas MultiTrip annual travel medical insurance plan can cover all eligible medical expenses, which could include your local ambulance ride, inpatient hospital stay, diagnostic testing, physician charges, and even surgery. WorldTrips can also arrange for any necessary translations and provide medical monitoring to keep your family updated on your condition.

  • Your fall also causes damage to your teeth which requires emergency dental treatment.

Because your accident is covered under your Atlas MultiTrip annual travel insurance plan, your Emergency Dental benefit can provide up to $300 for emergency dental treatment or dental surgery necessary to restore or replace natural teeth that are lost or damaged.

  • Your airline loses your checked luggage and is unable to track it down. You pay out-of-pocket to replace your clothes, swimsuit, and toiletries.

You file a claim after your luggage has been lost for 10 days. Your Atlas MultiTrip plan can reimburse you for eligible expenses (up to $50 per item and up to $1,000 total).

  • You’re overseas for a business conference when a terrorist attack occurs. The U.S. Department of State changes the travel alert for your current country from a level 1 to a level 3.

You contact WorldTrips immediately and find out that you’re eligible for your Atlas MultiTrip plan’s Political Evacuation benefit. Your plan can pay for the cost of your flight back to your home country to ensure your safety.

  • You’re on vacation with your family, including your young children. Your five-year old accidentally leaves the bathroom faucet running while you’re out exploring all day, causing water to overflow and damage the cabinets and flooring below.

Your Atlas MultiTrip annual travel insurance plan includes a Personal Liability benefit with coverage for damage to third-person property. If you meet all the conditions of this benefit, you will be covered for up to $25,000 of damages.

I’m a Digital Nomad. Do I Need Nomad Insurance or Annual Travel Insurance?

Digital nomads often find themselves working abroad for long periods. Which type of travel medical insurance plan would better align with your travel plans depends on whether you plan to take short, frequent trips abroad or you tend to work abroad for multiple months (or even up to a year) at a time.

WorldTrips’ Atlas Nomads insurance can provide non-U.S. residents who are traveling abroad outside of the U.S. with weeks, months, or even a year of continuous coverage. It may be a good solution for you if you’re planning to live and work abroad for one long stretch of time, or if you’re unsure of your travel plans and don’t want to lock yourself into a year of coverage. With Atlas Nomads, you’ll have the option to pay monthly and extend your coverage month-to-month.

WorldTrips’ Atlas MultiTrip annual travel medical insurance is designed for residents of most countries who are taking recurrent trips abroad. Your coverage will span 364 days but is limited to international trips of 30 or 45 days each—you choose which upon purchase.

Explore More Travel Medical Insurance Plans

Maybe you’ve determined that annual travel insurance is not the right type of insurance for your travel plans. Consider these additional travel medical plans.

If you’re taking a single international trip

Almost anyone who is traveling outside of their home country is eligible for our Atlas Travel plan. You’ll get coverage for unexpected injury and illness, medical evacuation coverage, and more.

If you’re seeking the highest coverage limits for a trip

Upgrade to our Atlas Premium plan for travel medical insurance that provides our highest coverage limits. This plan might be an option for shorter trips due to the increased cost.

If you’re visiting family in the United States

There is a lot to explore in the U.S., but with higher healthcare costs, you may want to consider U.S. visitor medical insurance. Atlas America can help cover eligible medical expenses in the event of a health emergency.

If you’re traveling abroad in a group of 5 or more

Residents of most countries who are traveling overseas together can make one convenient payment and get Atlas Group travel medical coverage at a reduced rate for their entire crew.

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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.