Ranking the Top 10 Travel Insurance Companies in 2026
Discover the best travel insurance companies of 2026. Compare global plans for overseas trips, seniors, digital nomads, and more.
WorldTrips Atlas Travel Insurance
Key Takeaways
- Choose your plan by destination. Atlas America includes U.S. travel, while Atlas International covers eligible trips outside the U.S. and your home country.
- Customize coverage to your budget. Select your deductible, coverage duration, and medical maximum, with available limits depending on your age.
- Benefits extend beyond emergency treatment. Coverage includes medical evacuation, trip interruption, travel delays, and lost checked luggage, subject to policy limits and conditions.
- Review pre-existing condition and sports restrictions. Eligible travelers under 80 may receive acute-onset benefits; adventure activities remain subject to specific coverage terms and exclusions.
Flexible Travel Medical Coverage for Your Trip Abroad
The single-trip Atlas Travel Insurance Plan provides travel medical coverage for eligible international trips lasting up to 364 days. Coverage can span multiple destinations outside your home country, depending on your selected plan. If your trip lasts longer than expected, you can request an extension through WorldTripsā Member Portal, subject to policy terms.
Atlas Travel Insurance is available in two options:
- Atlas International provides coverage for travel outside the U.S. and your home country.
- Atlas America is designed for travelers whose plans include the U.S.
Both options can provide proof of insurance for visa applications. Confirm that your selected coverage meets your destinationās specific requirements before purchasing.
Why Choose Atlas Travel Medical Insurance?
Often, the primary medical insurance in your home country does not cover you while traveling abroad. Additionally, it will not provide essential services in the event of an illness or injury. Atlas Insurance offers valuable services, including translation assistance during treatment, doctor and hospital referrals, and help with replacing lost prescriptions.
WorldTrips, the plan administrator, provides 24/7 customer service for Atlas Travel Medical insurance members. They also offer many other services you’ll need if you encounter difficulties while abroad, from simple matters such as lost luggage to more serious crises, like a terrorist attack. In the event of medical emergencies, political evacuations, and natural disasters, WorldTrips will provide you with assistance in making emergency travel arrangements.
Atlas Travel Plan Features
Emergency Medical Coverage
WorldTrips covers costs up to the medical maximum selected for medical care abroad.
Trip Interruption Benefits
Atlas Travel offers members up to $10,000 for an interrupted trip.
Recreational Sports Coverage
Includes eligible injuries and illnesses from recreational activities such as skiing, snowboarding, and snorkeling.
Acute Onset of Pre-Existing Conditions
Travelers under 80 may qualify for limited coverage for sudden, unexpected acute-onset episodes.
Find Atlas Coverage for Your Trip
Get a personalized quote based on your destination, travel dates, age, and preferred coverage.
Medical and Travel Benefits
Atlas Travel Insurance offers some of the most customizable travel insurance plans available. Whether you purchase Atlas International (for people outside of the US) or Atlas America Insurance (for people whose travel includes the USA), you will have the ability to customize your deductible, your coverage length, and your coverage maximum.
Benefit | Atlas Travel |
Overall Maximum Limit | Age 80 or older: $10,000 Age 65-79: $50,000 or $100,000 All Others: $50,000; $100,000; $250,000; $500,000; $1M; or $2M |
Deductible Options | $0; $100; $250; $500; $1,000; $2,500; or $5,000 per certificate period |
Local Ambulance | Usual, reasonable and customary charges for covered illness or injury Illness must result in inpatient hospitalization |
Intensive Care Unit | Up to the overall maximum limit |
Acute Onset of Pre-Existing Conditions | Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation |
Emergency Medical Evacuation | Up to $1,000,000 lifetime maximum |
Trip Interruption | Up to $10,000 |
Travel Delay | Up to $100 per day after a 12 hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. |
Lost Checked Luggage | Up to $1,000 |
Lost or Stolen Passport/Travel Visa | Up to $100 |
Border Entry Protection | Up to $500 if traveling on a valid B-2 visa and denied entrance at the U.S. border. |
Find Atlas Coverage for Your Trip
Get a personalized quote based on your destination, travel dates, age, and preferred coverage.
How Much Does an Atlas Travel Plan Cost?
The Atlas International and America Insurance plans are relatively inexpensive daily. Your plan costs will increase with a lower deductible and decrease with a higher deductible.
Atlas International Cost per Day
When traveling outside the United States, use the following rates for the Atlas International plan. This includes U.S. citizens traveling overseas and non-U.S. citizens traveling outside of their home country.
Maximum Limit | $10,000 | $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | $2,000,000 |
14 days-29 years | N/A | $1.12 | $1.36 | $1.52 | $1.77 | $1.87 | $1.91 |
30-39 years | N/A | $1.29 | $1.63 | $1.92 | $2.14 | $2.35 | $2.42 |
40-49 years | N/A | $2.20 | $2.52 | $2.75 | $3.08 | $3.30 | $3.40 |
50-59 years | N/A | $3.75 | $4.16 | $4.52 | $4.84 | $5.23 | $5.40 |
60-64 years | N/A | $4.83 | $5.05 | $5.40 | $5.91 | $6.31 | $6.48 |
65-69 years | N/A | $5.56 | $6.13 | N/A | N/A | N/A | N/A |
70-79 years | N/A | $8.75 | $9.67 | N/A | N/A | N/A | N/A |
80+ years | $16.12 | N/A | N/A | N/A | N/A | N/A | N/A |
Rates last updated on August 13, 2026
Atlas America Cost per Day
If you are traveling to, temporarily residing in, or visiting the United States, please use these rates for the Atlas America Insurance plan.
Maximum Limit | $10,000 | $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | $2,000,000 |
14 days-29 years | N/A | $2.33 | $2.90 | $3.23 | $4.06 | $4.62 | $4.86 |
30-39 years | N/A | $2.79 | $3.76 | $4.40 | $4.68 | $5.18 | $5.45 |
40-49 years | N/A | $3.67 | $4.45 | $5.02 | $5.97 | $6.84 | $7.20 |
50-59 years | N/A | $6.06 | $7.45 | $9.26 | $10.51 | $11.54 | $12.13 |
60-64 years | N/A | $8.22 | $10.54 | $13.99 | $15.24 | $16.73 | $17.60 |
65-69 years | N/A | $9.60 | $11.99 | N/A | N/A | N/A | N/A |
70-79 years | N/A | $16.54 | $20.66 | N/A | N/A | N/A | N/A |
80+ years | $24.57 | N/A | N/A | N/A | N/A | N/A | N/A |
Rates last updated on August 13, 2026
Find Atlas Coverage for Your Trip
Get a personalized quote based on your destination, travel dates, age, and preferred coverage.
Who Can Apply for an Atlas Travel Plan?
Travelers who are at least 14 days old may apply for Atlas Travel coverage while traveling outside their home country, subject to eligibility and location restrictions.
Available overall maximum limits depend on your age:
- Under 65: Choose from $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000.
- Ages 65ā79: Choose $50,000 or $100,000.
- Age 80 or older: A $10,000 maximum is available.
Coverage is available for trips lasting 5 to 364 days. You can select coverage dates to match your itinerary and request an extension through WorldTripsā Member Portal, subject to policy terms.
Location Restrictions: Atlas Travel is not available for purchase while you are physically located in New York, Maryland, Washington, Canada, or Australia.
FAQs
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Your coverage becomes effective on the latest of the following dates:
- the date WorldTrips receives your application and correct premium,
- the moment you depart from your home country
- or the date requested on your application.
Your coverage will end on the earliest of the following dates:
- the end of the period for which you have paid a premium,
- the date requested on your application
- or the moment you return back to your home country.
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Yes, both Atlas International Insurance and Atlas America Insurance provide limited home country coverage. This benefit will provide for a set number of days of coverage for travelers if they return home for a period of time during their trip abroad. Policies with Home Country Coverage typically cover medical benefits related to a new illness or injury incurred during an incidental trip back to a traveler’s home country.
You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.
U.S. home country:
- For every three-month period you are covered, eligible medical expenses incurred in the U.S. are covered up to 15 days. Non-U.S. home country:
- For every three-month period during which you are covered, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.
Should you change your home country’s location during the certificate period, you must notify us of such change within fifteen (15) days. Your new home country will govern the terms of any home country or incidental home country coverage. Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or your return to your home country to obtain treatment for an illness or injury that began while traveling shall void any incidental home country coverage.
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After your initial purchase, you may extend your coverage up to a maximum of 364 days. So long as your coverage is continuous, your deductible, coinsurance and benefit limits will not reset. After your initial term, you can purchase a new policy if you decide to continue to travel abroad.
Extensions must be made online in WorldTrips’ Member Portal. Payment must be made by credit card.
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If you are a U.S. citizen traveling abroad for twelve months or less, or a non-U.S. citizen traveling to a country other than the United States, you should purchase Atlas International Insurance. The Atlas International plan provides coverage and travel benefits for travelers traveling abroad but not visiting the USA.
If you are a non-U.S. citizen traveling to the United States (including Puerto Rico and the U.S. Virgin Islands) for twelve months or less, you should purchase Atlas America Insurance. For any visitor to the USA, Atlas America provides comprehensive travel insurance and emergency medical benefits. Your travel can also include additional countries and you will be covered worldwide.
Start by requesting a quote to pick your coverage option and review pricing for the plan.
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New countries can be added to your Atlas Travel Insurance plan via WorldTrips’ Member Portal. A new visa letter can be printed listing the various countries. However, it is not required that you list every country that you may visit during your trip. You should list the countries where you will travel to as primary destinations in your initial application.
Please note: The Atlas International plan will provide worldwide coverage and benefits for travel to all countries worldwide except for travel to the USA. If you are traveling to the USA, you should purchase the Atlas America plan, which includes coverage and benefits in the USA.
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The Atlas Group plan is available for small or large groups traveling abroad for 5 days to a year. The group plan is available to employer groups, non-profit organizations, students, and others. The coverage and benefits are the same.
There is an easy-to-use online quote tool (link below). Once you find the level of coverage desired, you can move forward to purchase coverage. You will be asked for details on each applicant, including their date of birth along with other details.