WorldTrips Travel Insurance Review 2025

The Atlas Journey travel insurance plans from WorldTrips are designed for both domestic and international trips. There are three travel insurance plans to choose from—Elevate, Explore and Escape. That means you can select the amount of coverage that best suits your needs.

WorldTrips Atlas Journey Travel Insurance Plans Benefits Comparison

Coverage type	Elevate plan	Explore plan	Escape plan
Trip cancellation	100% of trip cost up to $100,000	100% of trip cost up to $50,000	100% of trip cost up to $10,000
Trip interruption	150% of trip cost	150% of trip cost	125% of trip cost
Emergency medical	$250,000 (primary)	$150,000	$50,000
Emergency evacuation	$1 million (hospital of your choice)	$750,000	$250,000
Travel delay; 5-hour wait time	$2,000/$200 per day	$2,000/$150 per day	$500/$100 per day
Baggage loss	$2,500/$500 per item	$1,500/$500 per item	$750/$250 per item
Baggage delay; 12-hour wait time	$600	$300	$200
Missed connection; 3-hour wait time	$1,500	$1,000	$500
Airline ticket reissue or cancellation fees	$250	$250	None
“Cancel for any reason” Upgrade Offered	50% or 75%	50% or 75%	None
Reinstate frequent traveler awards	$250	$250	$250
Pre-existing medical condition exclusion waiver	Available	Available	Available
Accidental death/dismemberment	$50,000	$25,000	$10,000

See More See Less

WorldTrips Atlas Journey Elevate Travel Insurance Plan

WorldTrips’ Atlas Journey Elevate policy (above) is its highest-rated plan according to Forbes Advisor’s ratings of the best travel insurance companies. It has the most robust coverage among the Atlas Journey plans. It is worth considering if you’re traveling overseas and have made lots of pre-paid, non-refundable reservations for your trip.

This travel insurance plan provides $250,000 in travel medical insurance per person. Though you can find travel insurance plans with $500,000 in medical expense coverage, you might find $250,000 to be sufficient.

The Atlas Journey Elevate plan also offers $1 million in emergency evacuation insurance, which is among the highest limits typically included in travel insurance plans.

Travel delay and trip interruption benefits are also generous and in line with many competitors.

The Atlas Journey Elevate plan also gives you the most options for customizing your coverage with add-on benefits and upgrades that provide the most flexibility for cancellation and interruption reimbursements.

WorldTrips Atlas Journey Explore Travel Insurance Plan

The Atlas Journey Explore plan might be a good fit if you want a solid travel insurance plan for a vacation abroad and high travel medical expense limits aren’t a major concern. It provides decent coverage for pre- and post-departure trip benefits.

The Explore plan provides the same cancellation and interruption benefits as the Elevate plan. It has slightly lower limits for delay, missed connection and baggage insurance. It also has lower travel medical expenses than the Elevate plan, but it’s still decent at $150,000.

There are many optional upgrades you can add to an Explore plan to customize your coverage.

WorldTrips Atlas Journey Escape Travel Insurance Plan

The Atlas Journey Escape travel insurance plan is good for those wanting basic coverage. It may also be a good choice for travelers who are primarily concerned with standard trip cancellation and trip interruption coverage.

The Escape plan has lower benefit limits than the Elevate and Explore plans. Most notably it has travel medical expense limits of just $50,000 per person. That means it might not be ideal if you’re taking an international trip where your U.S. health plan may have limited or no coverage. It can supplement your individual health insurance plan if you are taking a domestic trip.

You can’t get “cancel for any reason” and “interruption for any reason” upgrades for the Escape plan, but many add-on benefits are available for specialty coverage.

Travel benefits vary among WorldTrips’ travel insurance plans and so does pricing for each plan. Travel insurance costs generally vary by your age and trip cost. Here are examples of prices for WorldTrips’ plans.

Travelers and trip	Cost per trip for the Escape plan	Cost per trip for the Explore plan	Cost per trip for the Elevate plan
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$46	$70	$78
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$136	$188	$210
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Spain for 17 days	$307	$417	$464
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$260	$340	$366
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$114	$156	$170
Two travelers age 75, $15,000 trip cost, traveling to Aruba for 20 days	$876	$1,112	$1,172
Two travelers age 80, $20,000 trip cost, traveling to Spain for 25 days	$2,200	$2,820	$2,950

See More See Less

The following coverage upgrades are generally available, depending on your plan and state.

Optional Add-On	Elevate	Explore	Escape
Adventure sports	Yes	Yes	No
Pet medical , boarding and transportation	Yes	Yes	No
Hospital of Choice and Increased Evacuation	No	Yes	No
Rental car theft and damage	Yes	Yes	Yes
“Cancel for any reason” upgrade	Yes	Yes	No
“Interruption for any reason” upgrade	Yes	No	No

See More See Less

“Cancel for Any Reason” Coverage

This upgrade is only available for the Elevate and Explore plans. “Cancel for any reason” travel insurance allows you to cancel a trip, regardless of the reason why. You can choose to be reimbursed either 50% or 75% of your trip costs when you buy this insurance upgrade for an Elevate and Explore plan. You must cancel your trip at least 48 hours before your departure to be eligible to file a claim.

“Interruption for Any Reason” Coverage

This upgrade is only available for the Elevate plan.The “interruption for any reason” upgrade allows you to cut a trip short for reasons beyond what’s listed in your policy for interruption benefits. This “Trip interruption for any reason” upgrade reimburses 50% of your trip cost as long as you are at least 48 hours into your trip.

Adventure Sports

This add-on is available on the Escape and Elevate plans. It extends coverage to include safari activities, bungee jumping, hang gliding and other extreme sports and activities.

Rental Car Damage and Theft

This upgrade is offered on all three policies. It provides $50,000 in coverage for collision damage and the theft of a rental vehicle on the Explore and Elevate policies and $25,000 on the Escape policy.

Primary Coverage and Medical Evacuation and Hospital of Choice

With this upgrade to the Explore plan, medical evacuation coverage is $2 million and “hospital of choice” is added to your coverage.

Pet Medical and Boarding Benefits

This is available on the Explore and Elevate plans. If your dog or cat is traveling with you and needs care, this upgrade provides $500 compensation for vet bills. It also adds cancellation and interruption coverage for the death or critical illness of your dog or cat.

If you suffer an accident or illness while traveling, pet care coverage can cover transportation for your pet home. It also provides $250 for extra pet boarding fees if you experience a trip delay caused by a reason covered by your travel insurance plan.

WorldTrips offers a multi-trip policy for those planning to take multiple trips within a 12-month period. The Atlas MultiTrip policy covers trips of 30 or 45 days during the 12 months after you purchase the policy. It has a $1 million overall maximum limit, with a $1 million maximum limit per illness or injury and a $250 deductible per trip.

Atlas Travel

If you are most interested in having medical insurance abroad, another travel insurance plan option is Atlas Travel Insurance. This is different from the company’s Journey plans—it has much higher medical limits and acts more like a U.S. health policy that comes with deductibles and coinsurance.

Atlas Travel Insurance is a travel medical insurance plan that allows you to choose your deductible, coverage length and overall maximum coverage amount. You can also opt to increase coverage for key benefits.

The Atlas Travel Insurance plan is worth considering if you are traveling internationally and need medical insurance, with some basic travel insurance coverage for trip delay, interruption and lost luggage.

Here are details on the Atlas Travel Insurance medical expense policy.

• Up to $2 million overall maximum coverage
• Deductible choices of ​​$0, $100, $250, $500, $1,000, $2,500 or $5,000
• WorldAtlas pays 100% of eligible expenses after the deductible is met, up to the overall maximum limit (coinsurance)
• $1 million in emergency evacuation benefits
• Compensation of $50 a day if forced into quarantine
• $25,000 in personal liability insurance
• $10,000 in trip interruption insurance
• $1,000 in lost baggage insurance
• $100 per day travel delay benefits for overnight stays after a delay of 12 hours or more

The plan also includes coverage for political evacuation, accidental death and dismemberment and crisis response if you’re abducted. Review your policy for coverage limits and exclusions.

Additionally, if a natural disaster strikes or is forecasted while on your trip, the plan provides reimbursement for alternative accommodations.

WorldTrips Atlas America

This policy is for parents visiting their children in the U.S., tourists and leisure travelers visiting the U.S., temporary workers and business professionals, international students and exchange program participants. It covers U.S. citizens and non-U.S. citizens age 14 outside of their home countries.

Here are some key features of the Atlas America plan:

• Deductible choices: $0, $100, $250, $500, $1,000, $2,500, or $5,000
• Maximum overall limit choices: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000; for ages 65 to 79 it’s $50,000 or $100,000 and $10,000 for ages 80 and older.
• Choices for maximum coverage per injury or illness: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000; for ages 65 to 70 it’s $50,000 or $100,000, and $10,000 for age 80 and older.

The core types of travel insurance packaged together in WorldTrips Atlas Journey policies include:

• Trip cancellation coverage: Trip cancellation insurance reimburses you for pre-paid, non-refundable deposits you forfeit if you cancel for a reason listed in the policy.
• Trip interruption insurance: Trip interruption insurance pays for a last-minute flight home and for unused, non-refundable expenses you paid for in advance.
• Emergency medical expenses: Travel medical insurance pays doctor and hospital bills, X-rays, lab work and medicine if you get sick or injured on your trip.
• Medical evacuation: Medical evacuation travel insurance pays for medically necessary medevac transportation.
• Travel delay coverage: If your trip is delayed due to a reason listed in the policy, travel delay insurance reimburses you for necessities, such as meals, after a specified amount of time.
• Baggage insurance: Baggage insurance can encompass lost bags, damaged bags, expenses due a baggage delay and more.

Here are examples of exclusions under travel medical expense coverage for WorldTrips travel insurance plans:

• Mental, nervous or psychological disorders (unless hospitalized for more than 72 hours)
• Intoxication
• Participating in organized or contact sports
• Traveling against the advice of a physician
• Elective treatment and procedures
• Medical tourism
• Self-inflicted injury

WorldTrips offers assistance services to all customers who purchase an Atlas Journey travel insurance plan. Here are some of the services provided by the 24/7 travel assistance team:

• Emergency travel arrangements
• Interpretation services
• Coordination of local embassy and consular services
• Concierge services, such as destination profiles, event ticketing and shopping consultations
• Prescription replacement assistance
• Legal consultation and referral
• Emergency messaging to family

We researched and analyzed 69 policies to find the best travel insurance. When companies had more than one highly rated travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (35% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000
• Couple, age 40, for an Italy trip costing $6,000
• Family of four for a Spain trip costing $15,000
• Couple, age 65, for an Italy trip costing $6,000
• Couple, age 70, for a Mexico trip costing $3,000

Medical expenses (15% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (15% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.

Read more: How Forbes Advisor Rates Travel Insurance Companies