WorldTrips is a trusted international insurer offering flexible travel medical and student coverage, worldwide protection, and 24/7 assistance for individuals, families, groups, and students.
WorldTrips offers travel medical insurance for international travelers and students, enabling them to access quality care in the event of an accident or unexpected health issue abroad. More than 130 countries have travelers who rely on WorldTrips for added security and support while traveling abroad.
Founded in 1988, WorldTrips was among the first insurers to offer online plan purchases. Its commitment to innovation allows customers to buy coverage, submit claims, review policy details, and access documents online at any time. WorldTrips International holds a financial strength rating of A+ (Strong) from Standard & Poor’s Global Ratings.
WorldTrips operates as a division of Tokio Marine HCC, a global insurer with more than 140 years of experience. Tokio Marine HCC maintains offices across the United States, Mexico, the United Kingdom, and Continental Europe, with more than 3,000 employees who bring deep expertise and a strong understanding of risk.
WorldTrips insurance supports travelers wherever they go, whether for vacations, study abroad, business travel, mission work, or adventure sports.
Members can easily access policy information and submit and track claims through the WorldTrips online policyholder portal for their plan.
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Online Provider Search
Within the U.S., members can search for a doctor or hospital in the WorldTrips PPO network using the online provider search. Outside the U.S., members can seek treatment from any provider they choose, and WorldTrips offers a curated list of excellent providers in locations worldwide.
WorldTrips Comprehensive Travel Medical Plans
A WorldTrips travel insurance plan gives you access to the best doctors, wherever you are. After you have purchased coverage, if you need to find a provider in an unfamiliar location, call WorldTrips or access their online provider list to find the right doctor for you.
The plans also offer several added benefits for any of life’s little hiccups, including emergency travel assistance, lost luggage tracking, emergency cash transfers, legal referrals, translation assistance, medical monitoring, emergency travel arrangements, and more. Their customer service representatives offer support in a wide array of languages worldwide.
Atlas Travel Insurance
Your medical coverage in your home country is often of no help when you’re overseas. The Atlas Travel plan protects while you’re abroad, offering international travel medical insurance for trips lasting between five and 364 days. It is also customizable, allowing you to select the appropriate level of coverage to meet your specific needs.
The Atlas Group insurance plan is available upon request for groups of 5 or more traveling abroad.
StudentSecure Travel Insurance
If you’re studying abroad, you may need insurance to meet your visa requirements or your school’s requirements, and you will want insurance to ensure you are fully covered in the event of any mishaps. The StudentSecure international student health insurance plan offers comprehensive medical coverage for full-time students or scholars studying outside their home country. With four levels of coverage to choose from, you can find the plan that fits your needs and your budget.
StudentSecure Travel Insurance
Medical, dental, and evacuation benefits for international students
Continuous coverage for multi-year study abroad programs
WorldTrips maintains relationships with hospitals, laboratories, and medical professionals worldwide. In the U.S., WorldTrips has a vast Preferred Provider Organization (PPO). Throughout the rest of the world, it maintains an extensive list of recommended providers, although you are free to visit any provider you choose. Many of your provider selection decisions will be based on your geographical location and the specialty needs of the provider.
Areas of Coverage
Coverage is worldwide, so you can be assured that you are still protected even if your travel involves multiple countries. Customers can choose a policy that includes or excludes the United States.
How to Find a Provider
Outside the United States, members can see any doctor they like. WorldTrips also makes it easier to find a provider in an unfamiliar country with an extensive list of international providers. Once you have purchased your plan, to find a provider in your area, go to the WorldTrips website or call +1 (317) 262-2132 (collect calls accepted).
In the United States, members can access doctors and facilities from the robust WorldTrips Preferred Provider Organization (PPO) network. Once you have purchased your plan, call WorldTrips directly at (800) 605-2282 or use their easy online tools to find a provider near you.
US Provider Network
The provider network for members in the United States is contingent on when the medical policy was purchased.
If the member purchased their travel medical policy before July 2019 or is an EU resident who purchased a policy before May 2020, their providers are part of the First Health International network.
If the member purchased their travel medical policy after July 2019 or is an EU resident who purchased a policy after May 2020, their providers are in the United Healthcare network.
How to File a Claim Inside the US
How to File a Claim Outside the US
WorldTrips Member Services
WorldTrips has customer service specialists available 24 hours a day, 7 days a week, to assist customers in the event of a travel emergency. Their specialists are well-trained, multilingual, and experienced individuals who can provide both emergency and travel assistance services.
The Customer Service area on the WorldTrips site also offers the ClientZone. In this area, members can download policy documents, file and track claims, update their address, and handle renewal, extension, or cancellation of their policy. This area also provides answers for frequently asked questions, such as “Where do I find my certificate ID number?” and “How do I verify the coverage area of my policy?”
WorldTrips’ Customer Care Contact Information
Phone:
Within the United States: (800) 605-2282 (toll-free)
Outside the United States: +1 (317) 262-2132 (collect calls accepted)
Mail:
WorldTrips P.O. Box 2058 Farmington Hills, Michigan 48333-2005
Their Student Secure plan is ideal for students coming to the USA or for US students studying abroad. The plan is also available for any student traveling abroad from any country excluding Canada and Australia.
The Atlas Travel Medical plan is for all travelers worldwide traveling abroad for 5 days or longer.
WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd’s.
Pre-existing conditions are excluded from WorldTrips coverage. WorldTrips states that it defines pre-existing conditions as any condition:
for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you
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