WorldTrips travel Insurance FAQ

Answer these questions to find the best insurance plan for your needs (International travelers, students, all US visa’s and Schengen visa).

What is the traveler's destination?

What is the nationality of the traveler?

Is the traveler looking for?

Schengen Visa

Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

What is the Visa of the traveler?

What is the Visa of the traveler?

Does the traveler have any pre-existing medical conditions?

Type of Insurance?

Enter age
Spouse's age (if traveling)
No. of Dependents

World Trips travel protection FAQ's

01. Which travel health insurance would satisfy the Schengen visa insurance requirements as follows?

"Medical Insurance Coverage Abroad for the entire period of travel in the Schengen area with a minimum coverage of Euro 30,000 for hospitalization, emergencies, evacuation and repatriation. These 4 benefits are itemized on the policy issued by the current US Health Insurance company, or by a US Travel Insurance company. If the US insurance provider cannot issue a letter specifying the above".
Atlas International Insurance satisfies the requirements. The visa letter can be obtained by logging into the ClientZone. This resource may be accessed by choosing FOR LIMITED ACCESS, LOGIN WITH INSUREDS DATE OF BIRTH. Contact us for more queries.

02. How do I get the Schengen visa letter?

The visa letter can be obtained by logging into the ClientZone

03. What is the difference between Student Secure Smart, Select, Budget and Elite?

04. Which is the plan for travellers already in USA for quite some time?

Atlas America is a good option for people visiting the US who have been here for some time and do not have a current insurance coverage. It is also an excellent plan for travelers who are on OPT and H4 status.

05. Which is a good insurance plan for children?

Atlas Travel is a good insurance plan for children.

06. What are the US state and country restrictions to buy Atlas plans?

The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.

07. Are sports covered by Atlas Plans?

Atlas Travel covers eligible injuries and illness incurred while taking part in many popular vacation sports - skiing, snowboarding, snorkeling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.

08. Does Atlas Travel plan cover maternity?

Yes It offers coverage for complications of pregnancy during the first 26 weeks of gestation.

09. Does the Atlas America plan cover 100% outside PPO. Does it cover me in Panama an pay 100% inside and outside PPO?

The Atlas America plan covers 100% of the expenses outside PPO. Yes, it provides worldwide coverage including and excluding USA.

10. Is Worldtrips travel insurance a reliable insurance company? Is Worldtrips insurance a good insurance company ?

WorldTrips, a member of WorldTrips HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas. This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

11. Is there coverage for Covid-19 illness in Worldtrips travel insurance?

Worldtrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

12. Is Worldtrips insurance a legit company?

Worldtrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance .

13. Can I buy travel insurance from Worldtrips?

Worldtrips insurance previously known as WorldTrips has received A+ rating from the from S&P Global Ratings. Worldtrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

14. What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?

Worldtrips covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.

15. Why should I buy travel insurance from Worldtrips insurance?

World trips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .Worldtrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. Worldtrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide

16. What does visitors medical insurance cover?

A visitors health insurance plan covers:

  • Any new sickness or injury that occurs during the trip after the start of the policy.
  • Accidents or illness occurred during the trip
  • Medical emergencies and medical evacuation
  • Cover for hospital treatment, doctor expenses and prescribed drugs
  • Some plans cover acute onset of pre-existing conditions
  • Dental emergencies (again offered by some insurance plans)

17. What does the visitor health insurance not cover?

  • Preventive care like routine health checks, physical examinations, inoculation, vaccination
  • Regular treatment for pre-existing conditions
  • Maternity coverage if conception occurs before purchase of visitor health insurance.

18. Why American visitor insurance?

  • Wide range of short term US travel insurance options
  • Travel insurance with Covid19 and quarantine coverage
  • Several new US immigrant insurance plans available
  • Popular Schengen visa insurance with required visa letter
  • Travel health insurance and trip cancellation insurance options
  • Affordable international student health insurance plans
  • Resourceful user friendly compare travel insurance tool
  • Customer support with support for claims settled in the USA
  • Fixed benefit and comprehensive international travel insurance plans
  • 24/7 licensed US travel insurance agent support
  • Guaranteed cheapest travel medical insurance price
  • Travel health insurance customer support during crisis
  • Relevant US travel insurance blogs, articles and FAQ's
  • Travel insurance reviews to help decide on plans

WorldTrips Insurance related coverage

WorldTrips Insurance related coverage

WorldTrips Covid19 Student Insurance

WorldTrips Pre-existing Conditions Travel Insurance

Travel Insurance for travelers with Pre-Existing Conditions

Here are some tips for buying pre-existing conditions travel insurance

  1. Choose a travel health insurance with pre-existing conditions coverage.
  2. Review the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting period for coverage of pre-existing conditions.
  4. Consider buying a visitors travel insurance policy with higher coverage limits.
  5. Keep a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Be well informed about accessing emergency medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers with medical ailments and it is important for them to be well informed about visitors travel insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

WorldTrips acute onset of Pre-existing conditions travel insurance coverage

Atlas Travel Insurance, Atlas America Insurance and Atlas Premium Insurance from WorldTrips offer acute onset of a pre-existing condition coverage under age 80. The plans offer up to $25,000 lifetime maximum for Emergency Medical Evacuation for visitors to the US. For visitors outside the USA, Atlas International provides acute onset of pre-existing conditions coverage up to the age of 79 years in the event of life threatening conditions. Another option is the Visitor Secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.
  6. The renewability of the policy and its implication for pre-existing condition coverage.

How does travel insurance for acute onset of pre-existing conditions work?

The visitor health insurance plans which cover acute onset of pre-existing conditions clearly define what is a pre-existing condition and the look back period for pre-existing condition and the limit of travel insurance coverage for acute onset of pre-existing conditions.

Atlas Travel Pre-existing conditions coverage - FAQ's

01.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

02.  Do WorldTrips travel insurance plans really cover pre-existing conditions?

Yes. Atlas Travel Insurance from WorldTrips offers Acute onset of a pre-existing condition covers up to overall maximum limit, under age 80 for visitors to the US.

Visitor secure insurance for visitors to USA offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.

03.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

04.  How do I know if my pre-existing condition is covered by travel insurance?

Some US travel insurance plans offer coverage for "acute onset" of pre-existing conditions. They however exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. The WorldTrips’s Atlas America Insurance policy offers temporary medical insurance with coverage for acute onset of pre-existing conditions.

Worldtrips defines pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

WorldTrips’s Atlas America Insurance and Atlas Premium Insurance are comprehensive plans. These plans will offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 80. Another option from WorldTrips Visitor secure is a fixed plan offers Acute on set of Pre-existing conditions up to overall maximum limit, under age 70.

These Acute on set of pre-existing condition excludes the following conditions

  • Chronic condition or congenital condition.
  • Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.
  • Traveler must not be traveling against the recommendations of established treatment programs, or medical advice of a physician or other healthcare provider.
  • You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition.

Steps to buy US travel insurance online

 1: Finding all available US travel insurance plans

Complete the travel insurance quote request form by providing details of the traveler & insurance requirements.

 2: Compare different travel health insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

 3: Buy the travel insurance you like best and review documents

Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.

 4: Review the visitors insurance documents & download visa letter is required

Review the visitors insurance documents & download visa letter is required.

Travel health insurance coverage

Planning to travel overseas needs detailed and well balanced planning of the trip. It is very important for travelers to buy travel health insurance while travelling away from their home country. A travel insurance cover will provide protection towards all sudden accidents and illness. While traveling to the US, international travelers should include a visitors insurance cover for a safe and stress free travel. The domestic health insurance of the home country invariably provides little or no coverage in a new country. A visitors medical insurance plan will protect the insured from huge medical bills in case of hospitalization in a foreign country. An insured traveler can get cashless medical facilities up to the insured amount within the US.

WorldTrips resourceful travel insurance links