WorldTrips Travel Insurance

Trip Insurance vs. Travel Medical Insurance

When planning a trip, it’s important to understand the difference between trip insurance and travel medical insurance. While both are designed to help protect travelers from unexpected events, they serve different purposes. Trip insurance focuses on protecting your prepaid, nonrefundable travel expenses if your plans are disrupted, while travel medical insurance is designed to help cover eligible medical expenses if you become sick or injured during your trip. Choosing the right option depends on what you want to protect — your travel investment, your health while abroad, or both.

Trip Insurance Plans

Protect Your Trip Investment With Atlas Journey Trip Cancellation Insurance

Travel doesn’t always go as planned. Atlas Journey trip cancellation insurance can’t stop a hurricane from hitting your destination or prevent a sudden illness before departure, but it could reimburse you for nonrefundable prepaid travel costs if you need to cancel for a covered reason. It also includes benefits for eligible expenses if your trip is delayed, lost or damaged baggage, and access to 24/7 travel assistance services to help you stay on track.

Consider Atlas Journey trip cancellation insurance if you’re planning:

A vacation with prepaid flights, hotels, or tours
A cruise or guided tour with nonrefundable deposits
A family visit or reunion
A domestic or international adventure with expensive bookings

Atlas Journey plans are designed for U.S. residents traveling domestically and abroad and offer multiple levels of trip protection so you can choose the coverage that fits your trip and budget.

Explore Atlas Journey Plans

What's Covered:

Trip cancellation/interruption for covered reasons
Trip delay, missed connections, baggage loss/damage
Medical evacuation and repatriation of remains

What Does it Cost?
From $130 for a 7-day trip to Australia with a $3,000 trip cost for a 40-year old.

Add-ons Available:

Cancel For Any Reason (CFAR)
Adventure Sports
Pet Care
Rental Car Damage and Theft

Highlights

Cancellation: Up to 100% of trip cost
Interruption: Up to 150% of trip cost
Medical Coverage: $250,000
Medical Deductible: $0
Pre-Existing* Conditions Waiver
Medical Evacuation: Up to $1,000,000
Travel Delay: $200/day; $2,000 max
Missed Connection: Up to $1,500
Baggage Delay:$600 (12+ hours)
Baggage Damage/Loss: Up to $500 each; $2,500 max
24/7 Travel Assistance
Cancel For Any Reason Add-on

Coverage: $ $ $ $

Cost: $ $ $ $

Travel Medical Insurance Plans

Prepare for the Unexpected With Travel Medical Insurance

Travel medical insurance doesn’t prevent an unexpected illness or injury from occurring while you’re abroad but it can help protect you from high out-of-pocket medical costs and guide you to quality care, so you can focus on your trip. WorldTrips’ Atlas Travel medical plans are designed to give you access to essential healthcare coverage, emergency support services, and help provide peace of mind during your travels.

Even the most carefully planned trips can include surprises:

A sudden stomach bug or food poisoning
A slip and fall while hiking
A severe allergic reaction in a foreign city
A need for emergency transport to a better-equipped medical facility
Care after an unexpected accident or illness

Travel medical insurance can help reimburse eligible medical expenses, assist with getting you to appropriate care, and support you with travel-related services when you need them most.

Why Travel Medical Insurance Matters

Your domestic health coverage — including Medicare, many HMO/PPO plans, and other regional insurance often doesn’t extend outside your home country and may leave you fully responsible for bills. Travel medical insurance fills that gap with coverage designed for international trips.

Explore Atlas Travel and Atlas Premium Plans

What's Covered:

Coverage for eligible illness or injury up to the overall maximum limit
Coverage for COVID-19 eligible medical expenses
Emergency medical evacuation
Access to trusted local doctors; no claim required with Air Doctor

What Does it Cost?
From $19.25 for a 7-day trip to Europe with for a 40-year old with $250,000 maximum and $0 deductible.

Upgrade coverage with optional benefit increases:

Crisis Response + $90,000 maximum
Personal Liability + $75,000 maximum
Accidental Death & Dismemberment + $25,000 maximum

Highlights

Trip Cancellation
Trip Interruption: Up to $10,000 (destruction of residence, death of close family, or medical necessity)
Medical Coverage: $50,000 - $2M
Medical Deductible: $0 to $5,000
Pre-Existing* Conditions Waiver
Medical Evacuation: Up to $1,000,000
Travel Delay: $100/day; 2 days
Missed Connection
Baggage Delay
Baggage Loss: Up to $1000
24/7 Travel Assistance
Crisis Response: Up to $10,000
Natural Disaster: Up to $250/day; 5 days
Personal Liability: $25,000 max
Political Evacuation: $100,000 max
Accidental Death & Dismemberment: $25,000 max

Coverage: $ $ $ $

Cost: $ $ $ $

Atlas Premium Is Designed for:

Those looking to purchase travel medical insurance with higher coverage limits for themselves or their children
Vacationers, tourists, and adventurers seeking higher coverage limits
The business and travel elite interested in purchasing a premium insurance plan

What Does it Cost?
From $26.95 for a 7-day trip to Europe with for a 40-year old with $250,000 maximum and $0 deductible.

Highlights

Trip Cancellation
Trip Interruption: Up to $10,000 (destruction of residence, death of close family, or medical necessity)
Medical Coverage: $50,000 - $2M
Medical Deductible: $0 to $5,000
Pre-Existing* Conditions Waiver
Medical Evacuation: Up to $1,000,000
Travel Delay: $200/day; 2 days
Missed Connection
Baggage Delay
Baggage Loss: Up to $2000
24/7 Travel Assistance
Crisis Response: Up to $100,000
Natural Disaster: Up to $500/day; 5 days
Personal Liability: $100,000 max
Political Evacuation: $150,000 max
Accidental Death & Dismemberment: $100,000 max

Coverage: $ $ $ $

Cost: $ $ $ $

What Are the Key Differences Between Trip Insurance and Travel Medical Insurance?

Trip Cancellation

Trip Insurance can help reimburse you for prepaid, non-refundable travel expenses if you need to cancel or have a trip interruption for a covered reason like getting sick, an injury, or severe weather. A pre-existing conditions waiver is available for these plans.

Medical Coverage

Both Trip Insurance and Travel Medical Insurance include medical coverage to help cover the cost of doctor visits, hospital stays, and other necessary medical treatment while you’re abroad. Maximum limits and deductibles are different for these plans.

Eligibility

Trip insurance is only available to U.S. citizens and residents, but it provides coverage in the U.S. and/or abroad. Travel medical insurance provides coverage to citizens of most countries, but only for trips abroad.

Planning a trip takes time, effort, and money—but unexpected events can disrupt even the best-laid plans. Flight cancellations, medical emergencies, lost luggage, or trip interruptions can lead to unexpected expenses. Atlas Journey, a comprehensive trip protection plan, offers benefits to help offset covered expenses when the unexpected happens.

Kyleigh and her husband Joe experienced firsthand how vital travel insurance can be when their long-awaited trip to Scotland was canceled due to multiple flight disruptions. They had spent $3,500 on their trip and purchased Atlas Journey Preferred for $140 to help protect their investment. Initially, Kyleigh purchased the plan thinking they might need it for medical reasons while hiking in Scotland. However, when their flights were canceled, and two days of their trip were lost, she realized just how essential their coverage was. American Airlines refunded their original flight, but British Airways and their rental car expenses were still at risk—until Kyleigh remembered they had travel insurance.

“I was expecting the usual insurance runaround, but the process was so easy. I submitted the claim with the documents they asked for, and a couple of weeks later, we had two checks in the mail. Atlas Journey made it seamless,” Kyleigh shared. They were reimbursed $1,200 for their covered losses, including their British Airways flights and rental car.

For $140, Kyleigh and Joe were able to protect their $3,500 trip, and when things went wrong, Atlas Journey helped them recover their costs quickly and easily. Don't leave your travel investment unprotected—help safeguard your next trip with Atlas Journey. Kyleigh and Joe’s experience proves that even when you think you may not need travel insurance or assistance services, it can make all the difference if the unexpected occurs.

More Travel Medical Insurance Plans

Need coverage for a large group, remote work, or multiple trips? Explore additional travel medical plans designed to better serve your individual needs.

Digital Nomad

Atlas Nomads is travel medical insurance designed for those who are traveling and working abroad as digital nomads.

Traveling in Groups

Atlas Group provides the same benefits and services of our popular Atlas Travel plan at a 10% reduced rate for groups of 5 or more. This plan may be ideal for family reunions, mission trips, student trips, and more!

Annual Travelers

Atlas MultiTrip covers you for any number of pre-planned or last-minute trips abroad throughout a one-year period. Whether you’re constantly traveling for business or pleasure, an annual travel medical plan can help you save.

Travel to the U.S.

Atlas America is our Atlas Travel plan for international visitors to the United States. Some U.S. visas require travel medical insurance. Our Atlas America plan can help make sure you or your family members have coverage.

*Pre-Existing Condition Definitions
Definitions vary by coverage type. Review the section that applies to the coverage you are considering.

Comprehensive Trip Protection (Atlas Journey, Atlas On the Go)

A pre-existing condition is an illness, disease, or other condition during the 90 days before your coverage effective date for which you received a test, exam, or medical treatment, were advised to have a test, exam, or treatment, or took or were prescribed medication.

Conditions treated or controlled solely with prescription medication are not considered pre-existing if they remained treated or controlled with no change in required prescription during the 90 days before your coverage effective date. A change includes dosage or frequency increases, decreases, stoppage, or new medication due to worsening of the condition, but excludes brand-to-generic substitutions at the same dosage and routine insulin or anti-coagulant dosage adjustments.

Pre-Existing Condition Exclusion Waiver
Pre-existing conditions are excluded unless you purchase Atlas Journey Elevate or Explore within 21 days of your first trip payment, or Atlas Escape within 14 days of your first trip payment, and you are medically able to travel on your coverage effective date. If you do not purchase within the required timeframe, a 90-day lookback period will apply. Coverage varies by plan and state, so review your policy documents for complete details.

Travel Medical Insurance (Atlas Travel, Atlas Premium, Atlas Nomad, Atlas MultiTrip, Atlas America)

Pre-existing conditions are excluded, except for a covered Acute Onset of a Pre-existing Condition.

A pre-existing condition is any injury, illness, disease, or physical, medical, mental, or nervous condition that, with reasonable medical certainty, existed at the time of application or during the 2 years before the insurance effective date.

This applies whether or not the condition showed symptoms, was known, diagnosed, treated, or disclosed. It also includes related chronic or recurring complications.

An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence that is short in duration, worsens quickly, or requires urgent care.

It does not include chronic or congenital conditions, conditions that worsen over time, or any condition for which, before the effective date, the insured person knew or reasonably expected they would receive care, knew they should receive care, had scheduled care, or were told they must or should receive medical care, drugs, or treatment.

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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.

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

WorldTrips international travel medical insurance products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).