WorldTrips Travel Insurance Review: Top Rated for Financial Reliability

WorldTrips has earned a top-three ranking among U.S. travel insurance providers, with a 4.7 out of 5 star rating and a reputation for financial stability that Iowa travelers can trust. The company, which has served customers for over 28 years, holds an A++ (Superior) Financial Strength Rating from AM Best, making it a strong choice for those planning domestic or international trips.

Whether you're a farmer heading to a trade show, a family planning a summer vacation, or a business traveler flying out of Des Moines, understanding your travel insurance options can save you thousands if something goes wrong. Here's what Iowa residents need to know about WorldTrips coverage, costs, and add-ons.

What Does WorldTrips Travel Insurance Cover?

WorldTrips offers a range of policies designed to protect your trip investment and cover medical emergencies abroad. Here's a breakdown of the main coverage areas:

Trip Protection

• Trip cancellation: Reimburses up to the full trip cost if you cancel for a covered reason, such as illness or severe weather.
• Trip interruption: Often covers more than the trip cost if you need to cut your travels short for a covered reason.
• Travel delay: Provides daily reimbursement (up to a set limit) for covered delays, such as canceled flights or missed connections.
• Missed connection: Pays a set amount if you miss a flight or other connection due to a covered reason.
• Airline reissue fees: Helps cover costs to rebook or cancel flights.
• Frequent traveler award reinstatement: Covers fees to restore miles or points if a trip is interrupted.
• Single occupancy coverage: Pays extra costs if a travel companion cancels and you must travel alone.
• 24/7 travel assistance: Provides emergency support for arrangements, translator referrals, and legal help.

Medical Coverage

• Emergency accident and sickness medical expense: Covers medical care while traveling, which is critical since many U.S. health plans don't cover overseas.
• Dental expense: Covers emergency dental treatment during your trip.
• Medical evacuation and repatriation: Pays for transport to a suitable hospital or return of remains if needed.
• Accidental death and dismemberment: Provides a benefit for covered accidents.

Personal Belongings

• Baggage damage or loss: Reimburses you for lost, damaged, or stolen luggage.
• Baggage delay: Covers reasonable expenses like toiletries or clothing if your bags are delayed.

Optional Upgrades for Extra Protection

WorldTrips lets you tailor your policy with add-ons that may be worth the extra cost depending on your trip:

• Cancel for any reason (CFAR): Get up to 75% of your trip costs back if you cancel for a reason not otherwise covered. This is popular for travelers who want maximum flexibility.
• Adventure sports: Extends coverage to activities like bungee jumping, hang gliding, or safaris, which are excluded in standard plans.
• Rental car damage and theft: Adds a collision damage waiver and theft protection for rental vehicles.
• Medical evacuation upgrade: Doubles your evacuation coverage and lets you choose your destination hospital.
• Pet care: Adds trip cancellation coverage if a traveling pet becomes critically ill or dies.

What Does WorldTrips Not Cover?

As with any insurance, there are exclusions. WorldTrips generally does not cover:

• Adventure sports (unless you purchase the upgrade)
• Illegal activities
• Normal pregnancy (complications may be covered)
• Preexisting medical conditions (unless you have the waiver)
• Traveling against a physician's advice

If you have a chronic condition, be sure to ask about the preexisting condition waiver when you purchase your policy.

WorldTrips Plans and Coverage Limits

WorldTrips offers several plans to match different travel needs:

• Atlas Journey: Trip cancellation coverage ranges from $10,000 (Escape) up to $100,000 (Elevate). This is the main trip protection plan.
• Atlas Travel: International medical coverage up to $2 million, with lower limits on other benefits.
• Atlas Premium: Also up to $2 million in medical coverage, but with higher limits on trip interruption and baggage loss.
• Atlas MultiTrip Annual Plan: An annual policy focused on medical protection, but it does not include trip cancellation coverage.
• StudentSecure: Four medical plans (Smart, Budget, Select, Elite) for students studying abroad.
• Nomad Insurance: Designed for digital nomads who need to meet insurance requirements for certain countries.
• Atlas America: Health insurance for visitors to the United States, which could be relevant for Iowa families hosting international guests.

How Much Does WorldTrips Cost?

To give you a sense of pricing, we compared quotes for a 35-year-old traveler from Iowa with a two-week domestic trip costing $5,000. For the Atlas Journey plans, costs fell below the typical 4% to 10% of trip cost benchmark, making WorldTrips a competitive option.

For international medical plans (Atlas Travel and Atlas Premium), we used the same traveler profile with a two-week trip to the U.K., no deductible, and at least $500,000 in coverage. Again, prices were in line with or below industry averages.

Keep in mind that your actual premium will vary based on age, destination, trip cost, coverage limits, and any add-ons you choose.

How Does WorldTrips Compare to Other Providers?

WorldTrips is priced similarly to other major travel insurance companies, but coverage details differ. For example, some competitors may offer higher baggage limits or lower medical deductibles. We recommend comparing policies side by side to find the best fit for your specific travel plans.

Frequently Asked Questions

Is WorldTrips travel insurance legit?

Yes. WorldTrips is a legitimate company with an A++ (Superior) Financial Strength Rating from AM Best and an A+ rating from the Better Business Bureau. It has been in business for over 28 years.

Is WorldTrips the same as Tokio Marine?

WorldTrips is not the same as Tokio Marine, but it is a service company and member of the Tokio Marine HCC group. It was previously known as Tokio Marine HCC - Medical Insurance Services Group (HCCMIS).

Does WorldTrips offer annual plans?

Yes, the Atlas MultiTrip plan provides annual medical coverage, but it does not include trip cancellation benefits.

Where is WorldTrips located?

WorldTrips is headquartered in Carmel, Indiana, at 4 Carter Green, Suite 400.

Bottom Line for Iowa Travelers

WorldTrips offers solid, flexible coverage at competitive prices, making it a strong choice for Iowa residents planning trips both domestically and abroad. Its top-tier financial rating means you can trust the company to pay claims when you need them most. Before you book your next vacation, consider whether a WorldTrips policy gives you the peace of mind you deserve.

This review is based on publicly available information and quotes from the WorldTrips website. Always read your policy documents carefully to understand coverage details and exclusions.