by About WorldTrips travel insurance
WorldTrips Atlas Journey travel insurance plans provide customizable travel insurance coverage at a competitive price. Depending on the type of trip you are planning, you can customize your travel insurance coverage by adding upgrades such as pet care coverage, hunting and fishing equipment coverage and even destination wedding coverage.
In this WorldTrips insurance review, we break down WorldTrips’ three main insurance plans, share sample pricing for its top-rated travel insurance plan and explain some common policy exclusions.
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WorldTrips travel insurance plans
WorldTrip’s Atlas Journey travel insurance plans include medical coverage and trip interruption coverage for both domestic and international trips. The three travel insurance plans — Premier, Preferred and Economy — allow you to select the plan with the appropriate amount of coverage to meet your travel needs.
Atlas Journey Economy
The WorldTrips Atlas Journey Economy plan was designed for travelers who are looking for basic coverage on their next vacation or business trip.
The plan includes all the basic travel insurance coverages such as trip cancellation, trip interruption, trip delay, medical coverage, medical evacuation and baggage coverage.
Of the three plans, the economy plan offers the lowest payout benefits. The travel medical insurance limit is only $10,000 per person. This coverage limit might be fine when traveling through the United States where your primary medical insurance would cover any emergency medical situations. However, if you are traveling internationally through countries that do not accept your domestic health insurance, you might want to upgrade your plan to include more medical coverage.
Atlas Journey Preferred
The WorldTrips Atlas Journey Preferred plan includes everything the economy plan does, but increases the coverage amount for every benefit. This plan gets 5 stars in our rating of the best travel insurance.
Atlas Journey Preferred provides the same trip cancellation, interruption and emergency evacuation benefits as the top-tier Premier plan, but offers slightly lower limits for delay, missed connection and baggage insurance.
The biggest difference between the Preferred and the more expensive Premier plan is that the Preferred plan offers up to $100,000 in secondary emergency medical coverage while the Premier plan offers up to $150,000 in primary emergency medical coverage. You can opt to upgrade the Preferred plan to primary coverage for an additional fee, however.
Know more: Flight cancellations
Atlas Journey Premier
The WorldTrips Atlas Journey Premier plan is the crème de la crème of the WorldTrips trio of plans. It offers travelers the highest payout benefits of all the plans, which is especially important for those traveling overseas. This plan also gets 5 stars in our rating of the best travel insurance.
Compare WorldTrips travel insurance plans
| TRAVEL INSURANCE BENEFIT | ECONOMY | PREFERRED | PREMIER |
|---|---|---|---|
| Trip cancellation | 100% of trip cost up to $10,000 | 100% of trip cost up to $150,000 | 100% of trip cost up to $150,000 |
| Trip interruption | 100% of trip cost | 150% of trip cost | 150% of trip cost |
| Trip delay (5 hours or more) | $100 per day; $500 maximum | $150 per day; $2,000 maximum | $200 per day; $2,000 maximum |
| Missed connection | $500 | $1,500 | $2,000 |
| Emergency medical expense | $10,000(Secondary coverage) | $100,000(Secondary coverage with optional upgrade to primary coverage) | $150,000(Primary coverage) |
| Emergency medical evacuation | $250,000 | $1,000,000 | $1,000,000 |
| Baggage damage or loss | $250 maximum per article; $1,000 maximum | $500 maximum per article; $1,500 maximum | $500 maximum per article; $2,000 maximum |
| Baggage delay (12 hours or more) | $200 | $300 | $500 |
What WorldTrips travel insurance covers
The core types of travel insurance packaged together in WorldTrips Atlas Journey policies include:
- Trip cancellation and interruption: Trip cancellation insurance and trip interruption insurance reimburse you for prepaid, non-refundable trip expenses if you cancel your trip, or need to head home early, due to a covered reason. Covered reasons include:
- Sickness or injury that renders you or your traveling companion unable to travel.
- Death of a family member, traveling companion or business partner.
- Severe weather that causes your common carrier to shut down for more than 12 hours.
- Terrorist incident or civil unrest in your destination.
- Emergency medical expenses: Travel medical insurance helps pay doctor and hospital bills and emergency evacuations if you get sick or injured on your trip.
- Travel delay: If your trip is delayed for five hours or more due to a reason listed in the policy, travel delay insurance can help cover the cost of accommodations, meals and local transportation while you are delayed.
- Baggage: Baggage insurance includes lost or stolen baggage, excessive baggage damage and baggage that is delayed more than 12 hours.
- Travel Assistance Services: Multilingual travel agents can provide worldwide travel, medical, emergency, and security assistance 24 hours a day, seven days a week.
What WorldTrips travel insurance doesn’t cover
Like all travel insurance plans, WorldTrips plans will not cover everything. While it is always a good idea to read the fine print before buying a policy, here are some exclusions to WorldTrips travel insurance plans.
- Traveling against the advice of a physician.
- Medical tourism.
- Intoxication.
- Pre-existing conditions, unless you qualify for a waiver of the pre-existing condition exclusion.
- Participation in an organized sports competition or as a sporting professional.
- Participation in bodily contact sports, extreme sports and certain adventure sports.
WorldTrips travel insurance rates
| SAMPLE TRIP | AVERAGE COST OF ATLAS JOURNEY PREFERRED |
|---|---|
| 2 travelers age 30 Mexico for 8 days $3,000 trip | $112 |
| 2 travelers age 40Italy for 17 days$6,000 trip | $290 |
| 2 travelers age 70Mexico for 8 days$3,000 trip | $342 |
| 4 travelers ages 40, 40, 10 and 7Italy for 17 days$15,000 trip | $378 |
| Two travelers age 65Italy for 17 days$6,000 trip | $460 |
WorldTrips additional coverage options and benefits
You can customize and enhance WorldTrips travel insurance plans with the following add-ons, provided they are available with the plan you choose and in your state.
“Cancel-for-any-reason” (CFAR) coverage
A “cancel for any reason” upgrade allows you to cancel your trip for any reason not already covered by your trip cancellation benefit, as long as you do so at least 48 hours before your scheduled departure.
Premier and Preferred plan policyholders can choose to be reimbursed for 50% or 75% of their costs with CFAR. This optional coverage is not available with the Atlas Journey Economy plan.
“Interruption-for-any-reason” coverage
The trip “interruption for any reason” (IFAR) upgrade reimburses 50% of your trip cost as long as you are at least 48 hours into your trip when you decide to end your travels early. This optional coverage is only available on the WorldTrips Atlas Journey Premier plan.
Destination weddings
This upgrade allows you to get trip cancellation benefits if the destination wedding you are attending is canceled after you buy your travel insurance policy. The destination wedding coverage is only available on the WorldTrips Atlas Journey Preferred and Premier plans.
Adventure sports
This optional coverage extends your travel insurance to include safari activities, bungee jumping, hang gliding and other extreme activities. This add-on is available for all WorldTrips Atlas Journey plans.
Emergency medical expense primary coverage
WorldTrips Atlas Journey Preferred policyholders have the option to upgrade their emergency accident and sickness coverage from secondary to primary coverage.
Rental car damage and theft
This upgrade adds collision damage and theft coverage for rental vehicles. The rental car coverage is an available add-on for all plans.
Pet care
This upgrade adds trip cancellation or trip interruption coverage in the event of the death or critical illness of your dog or cat. It also adds vet care compensation if your dog or cat becomes ill when traveling with you. The pet care coverage is an add-on option for all plans.
Baggage damage or loss primary coverage
This add-on doubles your baggage coverage limits. It also increases the baggage insurance to primary coverage up from the secondary coverage available on the WorldTrips Atlas Journey plans. This upgrade is available on all plans.
Vacation rental accommodations
The vacation rental coverage offers interruption coverage if your vacation rental is unclean, overbooked or the keys are lost. The optional coverage upgrade is available on all plans.
Additional covered school activities
This optional upgrade adds cancellation coverage if a student is required to take a test, the school year is extended or if a sporting event is scheduled. The coverage upgrade is available on all plans.
Hunting and fishing activities
The hunting and fishing upgrade covers cancellation due to government restrictions. It also covers equipment if it is lost, damaged or stolen and reimburses travelers for rental gear. The optional coverage upgrade is available on all plans.
Compare the best travel insurance companies of 2024
| TRAVEL INSURANCE COMPANY | TOP-SCORING PLAN | OUR RATING | MEDICAL BENEFITS PER PERSON | EVACUATION LIMITS PER PERSON | LEARN MORE |
|---|---|---|---|---|---|
 WorldTrips | Atlas Journey Preferred | $100,000 secondary coverage | $1,000,000 | Compare QuotesVia TravelInsurance.com’s website | |
 Travel Insured International | Worldwide Trip Protector | $100,000 primary coverage | $1,000,000 | Compare QuotesVia TravelInsurance.com’s website | |
 TravelSafe | Classic | $100,000 primary coverage | $1,000,000 | Compare QuotesVia TravelInsurance.com’s website | |
 Aegis | Go Ready Choice | $50,000 secondary coverage | $250,000 | Compare QuotesVia TravelInsurance.com’s website | |
 Travelex | Travel Select | $50,000 primary coverage | $500,000 | Compare QuotesVia TravelInsurance.com’s website | |
 AIG | Travel Guard Preferred | $50,000 Primary coverage | $500,000 | Compare QuotesVia TravelInsurance.com’s website | |
 Nationwide | Cruise Choice | $100,000 secondary coverage | $500,000 | Compare QuotesVia TravelInsurance.com’s website |
