WorldTrips Insurance, WorldTrips travel insurance review

Answer these questions to find the best insurance plan for your needs (International travelers, students, all US visa’s and Schengen visa).

What is the traveler's destination?

What is the nationality of the traveler?

Is the traveler looking for?

Schengen Visa

Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

What is the Visa of the traveler?

What is the Visa of the traveler?

Does the traveler have any pre-existing medical conditions?

Type of Insurance?

Enter age
Spouse's age (if traveling)
No. of Dependents

About WorldTrips, World Trips travel insurance reviews

Atlas America Insurance

WorldTrips offers a variety of customizable, budget-friendly travel medical and trip cancellation insurance plans to meet the needs of individuals and groups traveling for leisure, business, mission working and study abroad. The Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd’s.

WorldTrips health insurance quickly became a recognized leader in the field of international travel health insurance, offering a complete portfolio of travel, health and life insurance products to customers in over 130 countries.

Atlas Premium Insurance plans that covers Covid Quarantine

  • Covid Quarantine Benefit: Atlas Premium Insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
  • Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.
quarantine coverage

WorldTrips Travel Insurance Plans

WorldTrips Covid19 Annual Travel insurance for Coronavirus by Atlas Multi trip Insurance offers coverage for unexpected medical expenses, including eligible expenses related to Covid19.

It is designed for people traveling outside their home country at least twice in a year.
Purpose: WorldTrips multitrip insurance plans offers coverage for corporate executives and other professionals.

Annual Multitrip Plans

It is designed for Study abroad students seeking supplemental evacuation coverage to meet school or visa requirements.

Purpose: WorldTrips MedEvac can be purchased on its own or to supplement existing international coverage.

Medical Evacuation Plans

Different types of US Visitors insurance

Fixed Benefit travel insurance

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.
Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

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Travel insurance for covid19, Student covid19 insurance Travel insurance for Coronavirus Covid

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WorldTrips covid travel insurance

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WorldTrips covid student insurance

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WorldTrips travel insurance - Common Questions

Is WorldTrips travel insurance a reliable insurance company? Is WorldTrips insurance a good insurance company?

WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas.

This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

Is WorldTrips insurance a legit company?

WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.

What is the coverage area of WorldTrips travel insurance?

WorldTrips insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.

How much does WorldTrips travel insurance cost?

The cost of the Worldtrips travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

How do I purchase WorldTrips Travel Medical Insurance?

You can purchase WorldTrips Travel Medical Insurance on American Visitor Insurance or You can also call them at (877)-340-7910 to get more information on how to apply for WorldTrips travel health insurance from licensed insurance agents.

What are the requirements for applying for WorldTrips Travel Insurance?

The main requirements for applying for WorldTrips insurance is the travelers passport details and the travel dates. You can apply for WorldTrips travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying

Can I buy travel insurance from Worldtrips?

WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

Is there coverage for Covid-19 illness in WorldTrips travel insurance?

WorldTrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

Travel Insurance for travelers with Pre-Existing Conditions

Here are some tips for buying pre-existing conditions travel insurance

  1. Choose a travel health insurance with pre-existing conditions coverage..
  2. Review the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting period for coverage of pre-existing conditions.
  4. Consider buying a visitors travel insurance policy with higher coverage limits.
  5. Keep a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Be well informed about accessing emergency medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for acute onset of pre-existing conditions work?

The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.

WorldTrips acute onset of Pre-existing conditions travel insurance coverage

Atlas America Insurance and Atlas Premium Insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.
  6. The renewability of the policy and its implication for pre-existing condition coverage.

Pre-existing conditions coverage - FAQ's

01. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

02. Do WorldTrips travel insurance plans really cover pre-existing conditions?

Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.

Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

03. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

04. How do I know if my pre-existing condition is covered by travel insurance?

Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.

Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

WorldTrips’s Atlas America and Atlas Premium insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor Secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.

These Acute on set of pre-existing condition excludes the following conditions

  • Chronic condition or congenital condition.
  • Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.
  • Traveler must not be traveling against the recommendations of established treatment programs, or medical advice of a physician or other healthcare provider.
  • You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition.

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WorldTrips travel Features

Schengen Visa Letter
You can obtain the visa letter as required by the consulates after purchasing the insurance policy. Click on the button to obtain the letter.
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WorldTrips Claims

Claims Department: WorldTrips-Claims Department, Box. No. 2005, Farmington Hills, MI 48333-2005, U.S.A.
Toll Free Number: 1-800-605-2282, For Outside U.S : (317)262-2132

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Frequently asked questions - WorldTrips travel insurance

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Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!

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