Trip Cancellation Insurance

A lot can happen to disrupt a trip before or after departure. Trip cancellation insurance protects your prepaid, nonrefundable trip costs if you need to cancel for a covered reason. You’ll also get coverage for common travel mishaps like delays, missed connections, and more so you can travel fearlessly.

Trip cancellation highlights include:

  • Reimbursement for eligible costs of a canceled trip
  • Coverage for lost, stolen, or damaged baggage
  • Coverage for injuries and unexpected illnesses
  • Optional Cancel for Any Reason benefit

Discover the Benefits of Atlas Journey

Elevate
Maximum Limit (Per Person)

Maximum Limit (Per Person)
Trip Cancellation Up to 100% of trip cost

Trip Cancellation

Up to 100% of trip cost
Single Occupancy Coverage
(For Increased Travel Costs if
Your Travel Companion Cancels)
Yes

Single Occupancy Coverage
(For Increased Travel Costs if
Your Travel Companion Cancels)

Yes
Trip Interruption Up to 150% of trip cost

Trip Interruption

Up to 150% of trip cost
Travel Delay Up to $200 per day; $2,000 maximum (5 hours or more)

Travel Delay

Up to $200 per day; $2,000 maximum (5 hours or more)
Missed Connection Up to $1,500

Missed Connection

Up to $1,500
Airline Reissue or
Cancellation Fees
Up to $250

Airline Reissue or
Cancellation Fees

Up to $250
Reinstate Frequent
Traveler Awards
Up to $250

Reinstate Frequent
Traveler Awards

Up to $250
Baggage Damage or
Loss
Up to $500 maximum per article; $2,500 maximum (primary coverage)

Baggage Damage or
Loss

Up to $500 maximum per article; $2,500 maximum (primary coverage)
Baggage Delay Up to $600 (12 hours or more)

Baggage Delay

Up to $600 (12 hours or more)
Travel Assistance
Services
Included

Travel Assistance
Services

Included
*Emergency Accident and
Sickness Medical Expense
**Up to $250,000 (primary coverage)

*Emergency Accident and
Sickness Medical Expense

**Up to $250,000 (primary coverage)
Dental Expense Up to $750

Dental Expense

Up to $750
Medical Evacuation and
Repatriation of Remains
Up to $1,000,000

Medical Evacuation and
Repatriation of Remains

Up to $1,000,000
Accidental Death and
Dismemberment - 24 Hour
Up to $50,000

Accidental Death and
Dismemberment - 24 Hour

Up to $50,000
Waiver of the Pre-Existing
Conditions Exclusion
21 days of initial trip deposit

Waiver of the Pre-Existing
Conditions Exclusion

21 days of initial trip deposit
Pre-Existing Conditions

Pre-existing conditions are excluded from coverage unless you meet both of these requirements:

  • you purchase your Atlas Journey Elevate plan within 21 days of the date you made your first payment toward your trip; and
  • 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. View the "Exclusions" section below to see what qualifies as a pre-existing condition.

Pre-Existing Conditions

Pre-existing conditions are excluded from coverage unless you meet both of these requirements:

  • you purchase your Atlas Journey Elevate plan within 21 days of the date you made your first payment toward your trip; and
  • 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. View the "Exclusions" section below to see what qualifies as a pre-existing condition.

Policy Documents View policy documents by state of residency and plan.

Policy Documents

*The Emergency Accident and Sickness Medical Expense benefit is replaced with Emergency Injury and Sickness Medical Expense in New York. This coverage is primary for all NY plans.

**The Emergency Accident and Sickness Medical Expense benefit maximum limit (per person) is $50,000 for all New Hampshire plans.

IMPORTANT NOTE: 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. This plan is not available in Washington.

Enhance Your Coverage With Optional Upgrades

Add one or more of the following upgrades to your Atlas Journey trip cancellation insurance plan to enhance your coverage. Note that upgrade availability varies by plan level and may vary by state of residency.

  • *Cancel for Any Reason – Choose 50% or 75% back for cancellation due to a non-covered reason
  • **Interrupt for Any Reason – Interruption coverage for a non-covered reason
  • Adventure Sports – Extends coverage to include sports such as safari, bungee jumping, hang gliding, and more
  • Rental Car Damage and Theft – Adds collision damage waiver and coverage for theft of rental vehicle
  • ***Medical Evacuation – Doubles medical evacuation coverage and offers evacuation to hospital of your choice
  • ****Pet Care – Adds cancellation coverage for death or critical illness of your dog or cat and vet care if traveling with you

*The Cancel for Any Reason benefit is replaced with Cancel for Fortuitous Reason in New York.
**The Interrupt for Any Reason benefit is replaced with Interrupt for Fortuitous Reason in New York.
***The Medical Evacuation upgrade is not available in New York.
****The Pet Care benefit is not available in Virginia.

 

Why Choose WorldTrips?

Who is insuring you is just as important as the insurance plan you choose. For over 25 years, WorldTrips has provided trip insurance and service to help our customers travel fearlessly. Our knowledgeable customer representatives are available 24/7 to respond to your travel emergencies, for various languages and no matter the time zone.

CNN Underscored recently included two of our trip cancellation plans—Atlas Journey Preferred and Atlas Journey Premier—on their list of the top 10 travel insurance policies.

usa-today-logo

“WorldTrips is the best travel insurance company of 2024, based on our analysis of cost and coverage options.” 

Is Trip Cancellation Insurance Required for Travel Abroad?

No, trip cancellation insurance isn’t required. But it’s important to know that some countries require foreign visitors to have international travel insurance that meets specific requirements. Others may only require proof of (any) valid insurance for the duration of a trip.

Will My Current Health Plan Cover Me Overseas?

Your regular health insurance that covers you on a daily basis may not provide any coverage once you leave your home country. Even if it does include some international health coverage, it may not include a Medical Evacuation benefit or trip benefits like Trip Cancellation, Trip Interruption, and Travel Delay.

Your travel-related credit card could offer some compensation for travel mishaps, but it’s unlikely that it includes any overseas medical coverage. Atlas Journey trip cancellation insurance provides an array of trip benefits—plus up to $250,000 for unexpected medical expenses.

How Trip Cancellation Insurance Works in Action

  • Your best friend’s mom passes away a week before you’re set to depart on a trip together.

Understandably, your friend decides not to go on the trip. You don’t want to go without her, so you cancel your flights and hotel. Your Atlas Journey plan’s Trip Cancellation benefit could reimburse you for these prepaid, nonrefundable expenses.

  • You’re on a business trip when your wife unexpectedly goes into labor. You fly home early so you can be there for your baby’s birth.

Your Atlas Journey policy’s Trip Interruption benefit may pay for your plane ticket back home so you can be there for your wife and newborn child.

  • Your flight is delayed until morning due to severe storms.

You book a hotel room so you don’t have to spend the night at the airport. Your Atlas Journey plan’s Travel Delay benefit could reimburse you for the taxi to the hotel, your hotel stay, and the meals you hadn’t factored into your budget.

  • Your rental is broken in to and your baggage is stolen.

You purchase new clothes and toiletries for the rest of your trip. Because you filed a police report, your Atlas Journey plan could reimburse you for these items.

  • You’re sightseeing when you trip and break your ankle.
Your Atlas Journey plan’s Emergency Accident and Sickness Medical Expense benefit may pay for eligible expenses resulting from your hospital visit and the treatment you need to get back on your feet.
happy-young-woman-and-man-hugging--using-smartphone-together--sitting

How Much Does Trip Cancellation Insurance Cost?

That depends. The price you’ll pay for your Atlas Journey trip cancellation insurance plan is based on a couple of key factors:

  • Age: As your age increases -> So will the cost of your plan
  • Trip Cost: As your trip cost increases -> So will the cost of your plan
  • Date of Purchase: The further your purchase is from your departure date -> The more expensive your plan will be

Trips over 30 days have an additional charge. Your state of residence may factor into your price too.

Here’s an example. Imagine you’re a thirty-year-old Indiana resident departing on a 5-day, $3,000 trip. You purchase your plan 21 days before your departure date. Here are the plan options you’ll see when you input your trip details:

  • Atlas Journey Escape: $61
  • Atlas Journey Explore: $77
  • Atlas Journey Elevate: $82
bird-view-of-a-remote-online-working-digital-nomad-women

Need Last-Minute Coverage?

If you’re leaving on your trip today, you can still get trip insurance. Our Atlas On-The-Go plan is trip interruption insurance designed to provide next-day coverage for travel mishaps and emergencies like lost baggage, missed connections, trip disruptions, and illness.

Forgot to factor insurance into your budget? No worries. Atlas On-The-Go is budget-friendly because it doesn’t include the trip cancellation coverage you would no longer need.

To buy an Atlas On-The-Go plan, just enter your trip details and select that your departure date is today.

KHE2FFFYH6SP-971744701-1231

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