WorldTrips review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Expats and long-stay residents who want medical cover abroad with a high overall ceiling.
Insurance types
Travel (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Excess from
$0 to $5,000 (Source, checked September 26, 2026)
Cover limit
USD 2,000,000 overall maximum (Atlas Travel) (Source, checked September 26, 2026)
Claims channels
Member Portal (DocuSign), Mail, Fax, Email, Phone (Source, checked September 26, 2026)
Age range
14 days old and over; applicants over age 80 limited to a $10,000 policy maximum (Source, checked September 26, 2026)
Legal entity
WorldTrips Insurance Services (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1998 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Audience
Expats
Official website
worldtrips.com

Apps and profiles

Elsewhere
Trustpilotfacebook.com

Pros and cons

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.
WorldTrips

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Scored 9.4 / 10 by AssureCue.

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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.

How WorldTrips compares

Where WorldTrips is available

Available
United States
Licence in United States
California (non-resident producer licence) (0G39705), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

What is the excess on a claim?+

The excess is the part of a claim you keep. Across the plans the excess runs $0 to $5,000, so a plan at the lower end costs nothing out of pocket while a higher tier asks you to fund a share of the bill. Check the figure for the plan you choose, since it changes what a claim pays.

Who regulates WorldTrips?+

WorldTrips Insurance Services trades as insurer and is based in the United States. It holds a California non-resident producer licence, numbered 0G39705, which allows it to sell to residents of that state who live elsewhere. Buying decisions still rest on the policy wording, not on the licence.

How do I make a claim while abroad?+

Claims can travel through several routes. Member Portal (DocuSign), mail and fax are all listed for filing, which covers online submission, written claims and direct calls. Keep the paperwork from your treatment, because the insurer settles on documents rather than on a verbal account alone.

How do I get help before I buy?+

Help is offered through email, phone and help centre, so you can start with a call or an email and browse the help centre for details on plan wording. The same channels handle questions after purchase, which helps if you are already abroad and weighing costs from a distance.

How much does a policy cost?+

Premium depends on destination, length of stay, age and cover level, so no single figure applies. For context, starting premiums across the site sit at a median of €8.37, and the travel ranking median is €7.93. The excess levels, $0 to $5,000, also move the final cost.

Sources

  • worldtrips.com/about-us checked September 26, 2026

    Backs: Provider type, Founded, Headquarters, Legal entity, Licences

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

  • worldtrips.com/customer-resources/faqs checked September 26, 2026

    Backs: Age range, Claims channels, Support channels

    “If you are at least 14 days old and traveling internationally, you are eligible for coverage.”

  • worldtrips.com/international-travel-medical-insurance checked September 26, 2026

    Backs: Audience, Cover limit, Excess from

    “designed for tourists, students, expatriates, and business travelers needing temporary health protection outside their home country”

  • worldtrips.com/travel-medical-insurance checked September 26, 2026

    Backs: Insurance types

    “WorldTrips' travel health insurance plans are called Atlas Travel.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

WorldTrips

WorldTrips

Expats and long-stay residents who want medical cover abroad with a high overall ceiling.

9.4/10Visit

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