WorldTrips Travel Insurance
WorldTrips travel insurance offers Atlas visitor medical plans, StudentSecure international student insurance, multi-trip coverage, medical evacuation, and group insurance. Compare WorldTrips plans backed by Tokio Marine HCC and find the coverage that fits your trip starting from about $1 Per day.
Best match for your situation
VisitorSecure
The lowest-cost route into US visitor coverage. It's a fixed-benefit plan, so it pays a set amount per benefit rather than toward one shared maximum - the trade-off for the lower price.
Best match for your situation
Atlas Essential America
Full comprehensive protection - one shared policy maximum instead of per-benefit caps - at the lowest comprehensive price point for visiting the US.
Best match for your situation
StudentSecure
Designed for students on Optional Practical Training after graduation - once you're no longer full-time enrolled, this is the plan that keeps you covered through your OPT/STEM OPT period without requiring current student status.
Best match for your situation
Atlas America
The standard comprehensive plan for visitors to the US, including H-1B/H-4 holders, with acute-onset pre-existing coverage to age 79 and pregnancy coverage to 26 weeks.
Best match for your situation
Atlas America Premium
Same core comprehensive structure as Atlas America, with richer sub-limits for travelers aged 65 - 79 - a better fit if you're insuring an older parent.
Best match for your situation
Atlas Essential International
The cheapest comprehensive plan for travel outside the US, while still satisfying Schengen visa insurance requirements.
Best match for your situation
Atlas International
The standard Schengen-compliant comprehensive plan for travel outside the US, with acute-onset pre-existing coverage to age 79.
Best match for your situation
Atlas International Premium
Same Schengen-compliant structure as Atlas International, with richer sub-limits for travelers aged 65–79.
Best match for your situation
StudentSecure Smart
The lowest-cost StudentSecure tier for full-time students, covering sports and recreational activity to the overall maximum plus therapeutic termination of pregnancy.
Best match for your situation
StudentSecure Budget
Adds maternity coverage up to $5,000 over the Smart tier, with a 12-month pre-existing condition waiting period.
Best match for your situation
StudentSecure Select
A balanced J-1 visa compliant tier with a shorter 6-month pre-existing waiting period and maternity coverage up to $10,000.
Best match for your situation
StudentSecure Elite
The most comprehensive StudentSecure tier. Requires a valid education-related visa - a copy of your I-20 or DS-2019 may be requested.
Best match for your situation
Atlas Nomads
Built specifically for non-US citizens living and working while moving between countries, with no single fixed home base.
Best match for your situation
Atlas MultiTrip
One annual contract covering unlimited trips up to 30 or 45 days each within a 364-day period - built for people who travel several times a year rather than once.
Best match for your situation
Atlas Group
Groups of five or more save 10% on coverage, including families, mission trips, and students studying abroad together.
Best match for your situation
Atlas MedEvac
A standalone or supplemental policy for emergency medical evacuation and repatriation - not a substitute for full medical coverage, but a solid backup layer.
Best match for your situation
JapanSecure
A visa-compliant plan built specifically for travel to Japan, with adventure sports coverage included at no extra cost and evacuation coverage up to $1,000,000.
Which WorldTrips Insurance Is Right for You?
A quick guide to help you choose the WorldTrips insurance that fits your trip, travel needs, or situation.
| If You Are... | Best WorldTrips Plan for Your Situation |
|---|---|
| I am visiting the USA and need affordable medical coverage | VisitorSecure Insurance - A fixed-benefit visitor medical insurance plan for travelers visiting the USA. A good option for travelers looking for affordable visitor health insurance and coverage for unexpected medical expenses. |
| My parents are visiting the USA and I need comprehensive medical insurance for them | Atlas America Insurance - A comprehensive WorldTrips visitor insurance for parents, family members, and tourists visiting the USA. It provides higher medical coverage and acute onset of pre-existing condition coverage for eligible travelers. |
| I am visiting the USA and want stronger visitor medical coverage | Atlas Premium America Insurance - A higher-limit comprehensive visitor insurance plan for travelers who want more protection during their USA visit, with higher medical maximum options and broader benefits. |
| I am visiting the USA and want affordable comprehensive coverage | Atlas Essential America Insurance - A lower-cost comprehensive visitor medical insurance option for travelers who want more protection than a fixed-benefit plan while keeping premiums affordable. |
| I am traveling outside the USA and need international medical insurance | Atlas International Insurance - Comprehensive international travel medical insurance for U.S. and non-U.S. citizens traveling outside their home country, including options that meet Schengen visa insurance requirements. |
| I am traveling internationally and want higher coverage limits | Atlas Premium International Insurance - A high-limit international travel medical insurance plan for travelers who want enhanced protection, higher policy maximums, and broader medical benefits while traveling abroad. |
| I am traveling internationally and want affordable comprehensive coverage | Atlas Essential International Insurance - An affordable comprehensive international travel insurance option for travelers who need essential medical protection while traveling outside their home country. |
| I am a digital nomad working and traveling abroad | Atlas Nomads Insurance - International health and travel insurance designed for digital nomads, remote workers, and long-term travelers living and working outside their home country. |
| I am traveling to Japan and need medical insurance | JapanSecure Insurance - Japan travel medical insurance designed for short-term travelers visiting Japan, with medical coverage and benefits for eligible travelers. |
| I am studying abroad and need affordable student insurance | StudentSecure Smart - An affordable international student health insurance plan for students studying outside their home country and looking for basic medical protection at a lower cost. |
| I am an international student and want better medical benefits | StudentSecure Select - A best international student health insurance option with enhanced benefits, including maternity coverage and acute onset of pre-existing condition coverage for eligible students. |
| I am studying abroad and need higher student insurance coverage | StudentSecure Elite - A higher-coverage international student health insurance plan for students who want stronger medical protection while studying abroad. |
| I travel internationally several times a year | Atlas MultiTrip Insurance - Best annual travel insurance for frequent international travelers, allowing multiple trips during the policy period without purchasing a separate medical policy for every trip. |
| I only need emergency medical evacuation coverage | Atlas MedEvac Insurance - Supplemental emergency medical evacuation and repatriation insurance for travelers who already have medical coverage but need additional evacuation protection. |
| My family, students, or group is traveling overseas together | Atlas Group Travel Insurance - Flexible group travel insurance for families, students, schools, organizations, mission teams, and other groups traveling internationally. |
About WorldTrips Travel Insurance
WorldTrips, formerly known as Tokio Marine HCC Medical Insurance Services Group, has been part of the Tokio Marine HCC group since 1998. Based in Indianapolis, WorldTrips was the first company to offer its travel insurance products online to both U.S. and non-U.S. citizens traveling abroad and to the United States.
WorldTrips offers a variety of customizable and budget-friendly travel medical insurance plans for individuals and groups traveling for leisure, business, mission work, and study abroad. Its Atlas travel series and StudentSecure international student insurance plans provide coverage options for visitors, international travelers, students, and other eligible travelers. These products are underwritten by TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).
WorldTrips has become a recognized provider of international travel health insurance, offering a broad portfolio of travel, health, and life insurance products to customers in more than 130 countries.
Tokio Marine HCC's major domestic insurance companies have strong financial strength ratings, including A+ (Strong) from S&P Global Ratings, A++ (Superior) from A.M. Best, and AA- (Very Strong) from Fitch Ratings. Its major international insurance companies have a financial strength rating of A+ (Strong) from S&P Global Ratings.
WorldTrips Travel Insurance Plans 2026
Compare WorldTrips medical insurance plans for visitors, students, frequent travelers, groups, Japan trips, and emergency medical evacuation. Find affordable coverage that fits your travel needs.
WorldTrips Visitor Insurance - Best Visitor Insurance for USA
Compare WorldTrips visitor insurance for USA and find the right coverage for tourists, parents, and family members visiting the United States. Choose from affordable fixed-benefit travel insurance or comprehensive visitor medical insurance to help cover unexpected medical expenses during your stay.
Atlas America
One of the best travel insurance for visitors to USA, Atlas America provides comprehensive medical coverage with options for worldwide coverage including or excluding the U.S. It includes acute onset of pre-existing condition coverage up to age 79 and pregnancy coverage up to 26 weeks.
$50-$105/month (age 25)WorldTrips International Travel Medical Insurance - Traveling outside the U.S.
WorldTrips offers international travel medical insurance for U.S. and non-U.S. residents traveling outside the U.S., including Schengen visa trips and worldwide travel. These plans provide medical protection for travelers exploring destinations around the world.
Atlas International
A comprehensive plan for U.S. and non-U.S. citizens traveling outside their home country. Satisfies Schengen visa insurance requirements and covers acute onset of pre-existing conditions up to age 79.
$26-$45/month (age 25)WorldTrips International Student Health Insurance
StudentSecure offers international student health insurance for F-1, J-1, and J-2 visa holders, exchange visitors, and students studying abroad. Flexible monthly and annual payment options make it convenient for students to choose coverage based on the length of their academic program.
StudentSecure Select
Designed specifically for international students, with maternity coverage up to $10,000 and acute onset of pre-existing condition coverage up to $25,000 lifetime maximum.
$106/month ($1,248/year, age 20)WorldTrips Travel Insurance for Japan
JapanSecure covers unexpected medical expenses, acute on set of pre-existing conditions, emergency evacuation, and COVID-19 treatment for travelers visiting Japan.
JapanSecure Insurance
Available to travelers age 14 days to 99 years. Includes acute onset of pre-existing conditions up to age 79, emergency medical evacuation up to $1,000,000, and adventure sports coverage at no additional cost.
Policy maximums: $50,000 - $2,000,000WorldTrips Annual Travel Insurance
Atlas Annual Travel Insurance offers year-round protection for frequent travelers, making it a convenient choice for those looking for the best annual travel insurance for USA and international travel across multiple trips without purchasing a separate policy each time.
Atlas MultiTrip Insurance
Covers multiple trips up to 30 or 45 days each within a 364-day contract period, with an overall maximum of $1,000,000 and a $250 deductible per trip. Acute onset of pre-existing conditions covered under age 70.
$257/year (age 40)WorldTrips Medical Evacuation Insurance
Atlas MedEvac provides medical evacuation travel insurance for study abroad students and travelers who need supplemental emergency evacuation coverage to help meet school or visa requirements.
Atlas MedEvac Insurance
Can be purchased on its own or to supplement existing coverage. Emergency medical evacuation up to $50,000 and repatriation of remains up to $25,000, available for 5-365 days.
From $5/month (age 40)WorldTrips Insurance for Digital Nomads & Remote Workers
Get the best travel insurance for digital nomads with Atlas Nomads, offering long-term worldwide medical coverage for non-U.S. citizens and residents who live, work, and travel abroad.
Atlas Nomads Insurance
Provides international travel health coverage for non-U.S. citizens and residents traveling and working abroad, built for digital nomads and worldwide explorers who need ongoing coverage outside their home country.
From $184/month (age 40) · $250,000 medical maximum · $0 deductibleWorldTrips Group Travel Insurance
Affordable and flexible WorldTrips group travel insurance for families, friends, student groups, and mission teams traveling together. Get convenient group travel insurance for 5 or more travelers with coverage options designed to help protect your group during international trips.
Atlas Group Travel Insurance
Designed for student groups studying abroad, mission teams, or families traveling together. Acute onset of pre-existing conditions covered up to the overall maximum for travelers under age 79.
From $79 (5 travelers, 7 days)Find the Right WorldTrips Insurance for Your Travel Situation
Explore WorldTrips insurance pages for specific travel situations, traveler types, and coverage needs to find the plan that's right for your trip.
WorldTrips travel insurance, underwritten through the Tokio Marine HCC group of companies, covers a wide range of travel situations beyond a standard Atlas America or Atlas International policy. Whether you're comparing travel insurance for pre-existing conditions, researching Schengen visa insurance requirements for a trip to Europe, or looking for the right visitor health insurance for parents visiting the USA, these guides break down eligibility, coverage limits, and pricing for each situation. Older travelers can compare options built for senior parents traveling to the U.S. or elderly travelers over age 70, while visa holders can find plans tailored to J-1 exchange visitors, spouse visa holders, and new immigrants still waiting on domestic coverage. Remote workers and long-term travelers can learn how health insurance for digital nomads works with Atlas Nomads, and families can find country-specific guidance for Indian, Chinese, and Japanese parents visiting the United States. Use the categories below to jump straight to the WorldTrips page that matches your coverage needs, policy questions, or claims and renewal process.
Traveler Types
- Best Travel Medical Insurance for Seniors Visiting USA
- Best Travel Insurance for Seniors Over 70
- Best Medical Insurance for Parents Visiting USA from India
- Best Travel Insurance for Parents Visiting USA from China
- Best Travel Insurance for Parents Visiting USA from Japan
- J1 Visa Health Insurance
- Best Health Insurance for K1 Visa
- Border Entry Protection for B2 Visitors
WorldTrips Insurance Claims, PPO Network & Policy Management
Everything you need after purchasing your WorldTrips travel insurance plan. Learn how to file a WorldTrips insurance claim, find a PPO network provider, download your ID card, manage your policy, renew coverage, and access important policy resources.
How to Use Your WorldTrips Insurance?
Get Medical Care
For medical emergencies, seek treatment immediately. For non-emergency care, use the WorldTrips PPO network whenever possible and follow any pre-certification requirements that apply to your plan.
Find a WorldTrips PPO Network Provider
Search the WorldTrips PPO network to find in-network doctors, hospitals, and clinics. Using a participating provider may help reduce your out-of-pocket costs and simplify billing where direct billing is available.
File a WorldTrips Insurance Claim
Submit your WorldTrips insurance claim through the WorldTrips Member Portal or mail the completed claim form along with itemized medical bills and supporting documents.
Track Your Claim & Manage Your Policy
Use the WorldTrips Member Portal to check your claim status, download your insurance ID card, renew your coverage, access policy documents, and manage your WorldTrips insurance plan online.
Claims Department: WorldTrips, PO Box 240358, Apple Valley, MN 55124, U.S.A.
International: 1-317-262-2132 · Toll-free: 1-800-605-2282
WorldTrips Customer Resources
Why Choose WorldTrips Travel Insurance?
Travel with greater confidence with WorldTrips travel insurance, backed by more than 25 years of experience serving travelers around the world. Whether you need protection for medical emergencies, trip cancellations, travel delays, or baggage problems, WorldTrips offers flexible plans designed for different travel needs and budgets.
- Coverage for different travel needs - Choose from plans designed for visitors, international travelers, students, families, and frequent travelers.
- 24/7 worldwide assistance - Get access to travel assistance whenever you need help during your trip.
- Flexible plan options - Select coverage limits, deductibles, and benefits that fit your trip and budget.
- Protection for unexpected events - Get coverage for eligible medical emergencies, trip interruptions, delays, baggage issues, and other covered travel problems.
- Trusted travel protection - WorldTrips has decades of experience providing insurance solutions to travelers worldwide.
- Convenient policy management - Access your policy information, ID card, claims, and other resources online.
With WorldTrips travel insurance, you can choose coverage that fits your destination, travel plans, and budget, giving you added peace of mind wherever your journey takes you.
WorldTrips Travel Medical Insurance - FAQs
WorldTrips Travel Insurance Reviews
"I contacted American Visitor Insurance to compare WorldTrips travel insurance plans for my parents visiting the USA. Christina explained the differences between the plans clearly and helped me choose coverage that suited their trip. The process was easy and the customer service was excellent."
"I was looking for affordable travel insurance for my family and compared several WorldTrips plans through American Visitor Insurance. The customer-care team was knowledgeable and made it easy to understand the coverage options. I had a very good experience."
"Lakshmi helped me understand the WorldTrips visitor insurance options and explained the coverage, deductible, and benefits in simple terms. She was very patient and answered all my questions before I purchased the plan through American Visitor Insurance."