Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs WorldTrips
Where andsafe and WorldTrips differ
| Compare |  andsafe |  WorldTrips |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, BicycleCovers more | Travel |
| Excess from | €0 | $0 to $5,000 |
| Cover limit | 30 Mio. EUR | USD 2,000,000 overall maximum (Atlas Travel) |
| Claims channels | Online | Member Portal (DocuSign), Mail, Fax, Email, Phone |
| Premium from | €10.57 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Age range | Not confirmed | 14 days old and over; applicants over age 80 limited to a $10,000 policy maximum |
Same on both: Provider type (Insurer).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- andsafe scores higher overall: 9.6 vs 9.4.
- Insurance types: only andsafe offers Auto, Home, Pet.
- Claims channels: only andsafe offers Online.
- Claims channels: only WorldTrips offers Member Portal (DocuSign), Mail, Fax.
- Support channels: only andsafe offers Chat.
Our verdict on each
andsafe
andsafe suits small firms in construction, cleaning, crafts, hospitality plus IT and consulting that want direct insurer cover with monthly billing. Premiums run €10.57 with indemnity of €10,000,000 and claims filed through online, which keeps routine protection simple to manage.
WorldTrips
WorldTrips is a US insurer that has traded since 1998, built for expats who need medical cover away from home, with an overall maximum of USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan. The trade-off to weigh is the excess, which runs $0 to $5,000 across plans.
Score breakdown
| Area | andsafe | WorldTrips |
|---|---|---|
| Cost | 9.4Premiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.6HigherSite premiums start from a median of €8.37, and the travel ranking median is €7.93, so pricing sits mid-market. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.1 |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 9.4 |
Side by side, item by item
| Insurance types | andsafe | WorldTrips |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Bicycle | Yes | No |
How they place
| Ranking | andsafe | WorldTrips |
|---|---|---|
| Travel insurance | 8 of 291 | 12 of 291 |
What we checked
andsafe
- andsafe.de: 11 facts, checked September 29, 2026
WorldTrips
- worldtrips.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | andsafe | WorldTrips |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | andsafe Aktiengesellschaft | WorldTrips Insurance Services |
| Headquarters | Germany | United States |
| Founded | Not confirmed | 1998 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | andsafe | WorldTrips | Median |
|---|---|---|---|
| Premium from | €10.57above the median | Not confirmed | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
andsafe
Pros
- Direct insurer cover across public liability, professional indemnity and property for liability and property risks in listed trades.
- Indemnity of €10,000,000 for business liability alongside private liability of 30 Mio. EUR.
- Excess terms at €0 on selected liability, with premiums run €10.57 for contents.
Cons
- Business cover centres on public liability, professional indemnity and property, while Hiscox also lists employers liability and cyber within public liability, professional indemnity and employers liability.
- Premiums run €10.57 for contents cover, which can look dear against lean entry offers elsewhere.
- Claims run through online, which may feel narrow if you prefer phone led claims handling.
WorldTrips
Pros
- Built for expats, with an overall maximum of USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan rather than a short trip limit.
- A specialist insurer trading since 1998 and based in the United States.
- Claims can be filed through Member Portal (DocuSign), mail and fax, so a claim does not rest on a single route.
Cons
- The overall ceiling is USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan, so very large medical bills stop at that figure.
- Excess runs $0 to $5,000 across plans, so a claim can leave you funding a share of the bill.
- Support reaches you through email, phone and help centre, with claims handled over Member Portal (DocuSign), mail and fax.
Who each suits
andsafe
Who it suits
- Trade and service firms that want liability plus property under public liability, professional indemnity and property from a direct insurer.
- Households that also want auto, home, travel, pet or bicycle cover under auto, home and travel in the same place.
Who should look elsewhere
- Firms that need cyber or employers liability should compare Hiscox, since andsafe centres on public liability, professional indemnity and property.
- Shoppers that want broker choice across many carriers may prefer a marketplace over a direct insurer under insurer.
WorldTrips
Who it suits
- Expats and long-stay residents abroad whose usual healthcare sits in another country.
- Parents covering a child, since the age rule sets a minimum age and older applicants still qualify, though at a lower policy maximum.
- Travellers who want to start a claim in person, by phone or in writing, through Member Portal (DocuSign), mail and fax.
Who should look elsewhere
- Households wanting auto, home, life or pet cover in the same place: WorldTrips sells travel only, where Good Sam Insurance Agency and bonus.ch list travel with other lines.
- Travellers who need medical sums above the USD 2,000,000 overall maximum (Atlas Travel) ceiling: that is the hard limit on the Atlas Travel plan, so Euroasia Insurance is worth a quote for larger figures.
Current offers
WorldTrips
Current offer
Discount code
Bundle of 3 optional upgrades (Crisis Response, Personal Liability, Accidental Death and Dismemberment)
Optional upgrades bought at checkout on Atlas Travel or Atlas Premium
Source, checked September 26, 2026
Discount code
Atlas Group reduced rate for groups of 5 or more: 10% reduced rate
Groups of 5 or more on the Atlas Group plan
Source, checked September 26, 2026
Country by country
| Country | andsafe | WorldTrips |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
andsafe
What does andsafe charge for business cover?+
Premiums run €10.57 for contents cover, while excess terms sit at €0 on selected liability. The exact amount you pay depends on trade, turnover, limits and options chosen, so use the quote path to confirm your rate before purchase.
Which types of insurance does andsafe provide?+
Business cover spans public liability, professional indemnity and property, covering public liability, professional indemnity and property risks. Personal lines span auto, home and travel, namely auto, home, travel, pet and bicycle, so you can keep several everyday policies with the same provider.
WorldTrips
What does WorldTrips actually cover?+
WorldTrips writes travel medical cover aimed at expats. The overall maximum on the Atlas Travel plan is USD 2,000,000 overall maximum (Atlas Travel), so a long hospital stay abroad is covered up to that ceiling rather than to a small trip limit. Exact benefits depend on the plan you pick.
Who is this cover designed for?+
The stated audience is expats, so it suits people whose normal healthcare sits in another country. Family members are covered too: the age rule sets a minimum age for applicants, and older applicants can still buy cover but at a lower policy maximum. Short trips may find the cover broader than needed.
Other options to compare
Other matchups
- WorldTrips vs Income Insurance
- andsafe vs Kingpolis
- andsafe vs Laka
- andsafe vs Sundays Bike Insurance
- andsafe vs ALA Insurance
- andsafe vs Hiscox UK
- andsafe vs die Bayerische
- andsafe vs KS Auxilia
- andsafe vs MyPhysicianPlan
- andsafe vs HanseMerkur Reiseversicherung AT
- andsafe vs Explorer Travel Insurance
- andsafe vs TravelSecure
- andsafe vs HelloSafe (Atlas)
- andsafe vs TIPINSURE
- andsafe vs Vuso UA
- andsafe vs Lemonade
- andsafe vs Getsafe
- andsafe vs WAS Insurance
- andsafe vs Kingsbridge Insurance
- andsafe vs MoneyHero
- andsafe vs BizCover (Australia)
- andsafe vs Insify.fr