World Trips offers three Atlas Journey plans for U.S. residents.
World Trips Travel Insurance Review
Ranking 9th among 13 reviewed travel insurance companies with an 89 overall score, World Trips offers three Atlas Journey travel insurance plans with strong medical coverage and 24/7 assistance.
Find out if you should buy travel insurance from World Trips.
Updated: September 18, 2026
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Key Takeaways
World Trips earns an 89 MoneyGeek score, offering competitive pricing with medical evacuation coverage reaching $1 million on Explore and Elevate plans.
All plans include emergency document replacement and medical provider referrals worldwide.
Cancel for any reason coverage reimburses 50% or 75% of nonrefundable costs when purchased within 21 days of initial deposit.
World Trips Travel Insurance Pros and Cons
- Medical evacuation limits reach $1 million on Explore and Elevate plans
- 24/7 emergency assistance in multiple languages
- Three plan tiers from budget-conscious (Escape) to comprehensive (Elevate)
- Online Member Portal for claims and policy management
- Tokio Marine HCC underwriter with A (Excellent) AM Best rating
- No PPO restrictions, choose any provider
- Overall score (89) trails top-ranked competitors
- Pre-November 2025 policies use older CBPconnect portal
- Escape plan offers only excess medical coverage
- Limited CFAR availability on entry-level plan
World Trips Travel Insurance Plans and Features
Trip Cancellation | 100% up to $10,000 | 100% up to $50,000 | 100% up to $100,000 |
Trip Interruption | Varies by state | Varies by state | $250,000 |
Emergency Medical | $250,000 (excess) | $750,000 | $1 million |
Medical Evacuation | $250,000 | $750,000 | $1 million |
Baggage Loss | $750 ($250/item) | $1,500 ($250/item) | $2,500 ($500/item) |
Trip Delay | Not covered | $250/item | $500/item |
Baggage Delay | $250/item | $250/item | $500/item |
CFAR Option | Not available | 50% or 75% | 50% or 75% |
Pre-existing Condition Waiver | 14-day window | 14-day window | 14-day window |
MoneyGeek Score | 88 | 89 | 89 |
All plans include accidental death and dismemberment coverage, emergency document replacement and medical provider referrals.
World Trips Travel Insurance Rates
A 30-year-old pays $65-$88 for a week-long Australia trip with $2,500 in costs, depending on plan tier.
7 Days, $2,500 Trip Cost
Age 30 | $65 | $84 | $88 |
Higher trip costs increase premiums proportionally.
7 Days, $10,000 Trip Cost
Escape | $145 |
Explore | $180 |
Elevate | $185 |
Two-week trips cost roughly 20% to 25% more than one-week trips.
14 Days, $3,000 Trip Cost
Explore | $179 |
CFAR adds $35 to $46 to base premiums.
CFAR Added Cost (7 Days, $2,500 Trip Cost, Age 30)
Explore | $35 |
Elevate | $46 |
World Trips earned a cost score of 85, ranking mid-tier for affordability.
Comparing World Trips vs. Other Companies
World Trips ranks 9th out of 13 companies in our travel insurance analysis with an overall score of 89, reflecting balanced performance across categories without dominating any single metric.
1 | World Nomads | 93 | 98 | 86 | 95 | 89 |
2 | Generali | 92 | 94 | 88 | 100 | 89 |
3 | Allianz | 91 | 86 | 89 | 100 | 100 |
9 | World Trips | 89 | 85 | 87 | 95 | 89 |
10 | AXA | 88 | 85 | 87 | 100 | 89 |
World Trips performs adequately across most categories without distinguishing itself. The company provides $1 million in medical evacuation coverage on Explore and Elevate plans, exceeding most competitors. That strength does not offset the lower overall coverage score. Service ratings align with several other providers but fall short of top performers such as Allianz.
World Trips User Reviews
World Trip scores 4 out of 5 rating on Trustpilot based on 2,000 reviews. Squaremouth has the same 4 out of 5 overall rating. Pre-trip service scores 4, while post-trip service also scores 4.
What Customers Love
- Straightforward online purchasing process and clear policy documents
- Strong around-the-clock support for medical emergencies. One customer noted the company helped locate a pediatrician who made a house call in South America
- Efficient claims processing for weather-related cruise delays and medical emergency reimbursements. Some customers received payment within days
Common Complaints
- Challenges gathering all required documentation for claims tied to international medical incidents
- CBPconnect for policies issued before November 2025 offers limited claim status visibility, preventing customers from tracking progress
- Post-trip service ratings trail pre-trip scores, signaling uneven support after travel
What’s Covered by World Trips Travel Insurance
Trip Cancellation CoverageThe three plans do cover cancellation for the following: illness, injury, or death of traveler, family member, or travel companion; natural disasters; mandatory evacuation; job loss (with conditions); jury duty; home damage from fire or flood; terrorist incidents at destination within a month; and travel supplier financial default.
- Trip Interruption Coverage
World Trips reimburses unused nonrefundable trip costs, additional transportation to return home or continue to the destination and extra accommodation expenses when a trip must be cut short due to covered reasons such as injury or family member illness.
- Medical Emergency Coverage
Coverage is for hospital treatment, physician and surgical fees, prescription medications, ambulance services, emergency dental treatment (sublimits apply), and medical evacuation. If you break your leg skiing abroad, the plan covers hospital care, surgery, and evacuation to the U.S. if medically necessary.
Escape offers excess medical coverage (pays after primary insurance). Explore and Elevate offers primary coverage requiring no coordination of benefits.
- Baggage Coverage
All plans cover lost, stolen or damaged baggage and personal effects, baggage delay reimbursement for essential purchases and sporting equipment (with upgrades on higher-tier plans). When checked baggage is delayed 12 or more hours, necessary clothing and toiletries may be purchased for reimbursement.
- Travel Delay Benefits
Explore and Elevate reimburse meals, accommodation, ground transportation and communication costs during covered delays exceeding five hours (Explore) or three hours (Elevate). A six-hour flight delay due to mechanical issues activates reimbursement for meals and hotel costs.
Optional Add-On Coverages
- Cancel for any reason (CFAR): Accessible on Explore and Elevate only. Purchase is required within 21 days of the initial deposit and the option is unavailable within 48 hours of departure. Returns 50% or 75% of nonrefundable costs when cancellation takes place at least 48 hours before departure.
- Rental Car Damage: Delivers collision damage waiver and theft protection for rental vehicles. Accessible across all three plans.
- Adventure Sports Coverage: Broadens coverage to include bungee jumping, hang gliding and parasailing. Available as an upgrade on all plans.
- Pet Coverage: Addresses cancellation due to pet death or critical illness, veterinary expenses while traveling with a pet and kennel boarding fees when a trip is delayed.
- Enhanced Medical Evacuation: Increases medical evacuation limits and permits transport to a hospital of choice rather than the nearest adequate facility.
What’s NOT Covered
- Pre-existing conditions are excluded unless coverage is purchased within 14 days of the initial deposit and waiver requirements are satisfied. World Trips defines a pre-existing condition as any illness or condition for which medical advice, diagnosis, care or treatment was recommended or received within two years before coverage begins.
- High-risk activities without an upgrade encompass professional sports, extreme activities such as BASE jumping, racing and aviation other than as a fare-paying passenger.
- Excluded circumstances include travel against a physician's advice, suicide, intentional self-harm, illegal acts, elective procedures, mental or nervous disorders unless hospitalization occurs, intoxication, war and nuclear contamination.
- Coverage may be restricted for destinations subject to U.S. State Department travel warnings.
Who Should Buy World Trips Travel Insurance?
World Trips leads in medical coverage, making it well-suited to specific traveler profiles rather than a universal top choice.
The $1 million medical evacuation coverage on Explore and Elevate surpasses many competitors, serving travelers concerned about international medical emergencies or remote destinations. Budget-conscious domestic travelers find value in Escape's essential protection at competitive rates. International business travelers draw on around-the-clock multilingual assistance and worldwide provider networks.
World Trips may not be the strongest fit for travelers requiring top-tier service. Allianz (100 score) and Travelex (99) score higher than World Trips' 89. Cost-focused travelers find stronger value with World Nomads and Generali. Those prioritizing comprehensive coverage should consider IMG (95) and Tin Leg (94) over World Trips' 87.
World Trips Claims Documentation Requirements
Submit claims within 90 days of loss date.
Trip Cancellation | Completed claim form, proof of initial deposit and final payment, documentation supporting cancellation reason (physician statement on letterhead for medical, death certificate, employer letter on company letterhead, news articles for natural disasters), correspondence with travel suppliers showing refunds received |
Medical Emergency | Completed claim form, itemized medical bills with dates and procedures, medical records, proof of payment, Explanation of Benefits from primary insurance if applicable |
Baggage | Completed claim form, police report if theft occurred, Property Irregularity Report from airline if lost or delayed, proof of baggage value (receipts, credit card statements), photos of damaged items, receipts for emergency purchases during delays |
Travel Delay | Completed claim form, documentation from travel supplier showing delay length and reason, receipts for meals and accommodations, original plus revised travel documents |
Policies purchased on or after November 5, 2025: File through Member Portal at worldtrips.com or email ctpservice@worldtrips.com. Mail to WorldTrips, P.O. Box 2005, Farmington Hills, Michigan 48333.
Policies purchased before November 5, 2025: File through CBPconnect portal or email atlasjourneyclaims@cbpinsure.com. Mail to WorldTrips c/o Coordinated Benefit Plans, LLC, PO Box 26222, Tampa, Florida 33623.
Claims assistance available Monday through Friday, 8:30 a.m. to 5:15 p.m. Eastern. Call (866) 400-6090 (U.S.) or +1 (603) 328-6387 (international).
FAQ: World Trips Travel Insurance
Member Portal is for policies bought on or after November 5, 2025. CBPconnect handles older policies. You can submit claims and manage your policy through either system, but Member Portal tracks claims faster.
Yes. You'll need to provide a return date even for one-way travel, and coverage ends on that date regardless of whether you return.
No. World Trips requires documentation of actual loss or expenses. Chargebacks don't constitute proof since the charge was reversed.
Family discounts are not available as a standard offering. Coverage is structured individually for each traveler based on age and trip details, though children under 18 may qualify for different pricing.
Supplier default is covered if bankruptcy occurs more than 14 days after policy purchase. Claims require proof of nonrefundable payments and bankruptcy filing documentation.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.