Updated September 29, 2026 · AssureCue Editorial Team
MyPhysicianPlan vs WorldTrips
MyPhysicianPlan vs WorldTrips: the differences
| Compare |  MyPhysicianPlan |  WorldTrips |
|---|---|---|
| Insurance types | Health, TravelCovers more | Travel |
| Provider type | Broker | Insurer |
| Cover limit | $50K-$200K | USD 2,000,000 overall maximum (Atlas Travel) |
| Age range | up to 99 years | 14 days old and over; applicants over age 80 limited to a $10,000 policy maximum |
| Premium from | $75 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | $0 to $5,000 |
| Claims channels | Not confirmed | Member Portal (DocuSign), Mail, Fax, Email, Phone |
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Key differences
- WorldTrips scores higher overall: 9.4 vs 8.7.
- Insurance types: only MyPhysicianPlan offers Health.
Our verdict on each
MyPhysicianPlan
MyPhysicianPlan suits you if you want health and travel cover on monthly billing with phone support arranged by a broker, with eligibility up to 99 years, reflected in an overall score of 8.7 for this clear focused personal cover aimed at travellers seeking care access.
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 | MyPhysicianPlan | WorldTrips |
|---|---|---|
| Cost | 8.7Entry pricing starts at $75 with monthly billing available. | 9.6HigherSite premiums start from a median of €8.37, and the travel ranking median is €7.93, so pricing sits mid-market. |
| Offer | 8.4Traveller limits run $50K-$200K for the listed health and travel use. | 9.1Higher |
| Trust | 8.8Head office base is in US under a stated corporate identity. | 9.4Higher |
Pick MyPhysicianPlan if, pick WorldTrips if
Pick MyPhysicianPlan if insurance types matter most.
Pick WorldTrips if cost, offer, and trust matter most.
What we checked
MyPhysicianPlan
- myphysicianplan.com: 7 facts, checked September 29, 2026
WorldTrips
- worldtrips.com: 11 facts, checked September 26, 2026
How they place
| Ranking | MyPhysicianPlan | WorldTrips |
|---|---|---|
| Travel insurance | 1 of 291 | 12 of 291 |
Every fact side by side
| Fact | MyPhysicianPlan | WorldTrips |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Not confirmed | WorldTrips Insurance Services |
| Headquarters | Not confirmed | United States |
| Founded | Not confirmed | 1998 |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | MyPhysicianPlan | WorldTrips | Median |
|---|---|---|---|
| Premium from | $75highest quarter | Not confirmed | $16.55 |
| Excess from | Not confirmed | $0 to $5,000below the median | $100 |
Median across 60 listed insurance providers.
Pros and cons
MyPhysicianPlan
Pros
- Eligibility extends up to 99 years, which helps mature travellers seeking continued cover.
- Focus on health and travel keeps the offer clear if you want health plus travel in a defined place.
- Voice support through phone gives direct contact for cover and claims questions.
Cons
- Cover stays within health and travel, so needs beyond health and travel call for another provider.
- Support runs on phone only, which limits choice if you prefer written contact.
- As a broker, placement depends on partner underwriters rather than direct underwriting.
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
MyPhysicianPlan
Who it suits
- Travellers who want health and travel focus with phone guidance through cover choices.
- Mature travellers who value extended age eligibility and steady monthly budgeting.
Who should look elsewhere
- If you want motor or home cover, consider AXA instead, since MyPhysicianPlan stays within health and travel.
- If you want written service channels, consider die Bayerische instead, since MyPhysicianPlan support runs by phone only.
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 | MyPhysicianPlan | WorldTrips |
|---|---|---|
| United States | Yes | Yes |
Questions about each
MyPhysicianPlan
What does MyPhysicianPlan cost to start?+
Premium starts at $75 for MyPhysicianPlan cover. Monthly payments are available, so you can spread the cost across the year rather than paying in a lump sum. Exact pricing will depend on your age, cover choice and traveller profile.
Which insurance types does MyPhysicianPlan offer?+
MyPhysicianPlan focuses on health and travel for members and travellers. That means you look here for medical style protection and trip related needs, not for motor, home or pet cover. If you need wider lines, compare a broader provider alongside.
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.
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