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: February 6, 2026
Advertising & Editorial Disclosure
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 standing out. The company offers $1 million medical evacuation coverage on Explore and Elevate plans, which is more than most competitors. This strength doesn't offset its lower overall coverage score. Service ratings match several other providers but fall short of top performers like Allianz.
World Trips User Reviews
World Trips has a 4 out of 5 rating on Trustpilot from nearly 2,000 reviews. Squaremouth data shows the same 4 out of 5 overall rating. Pre-trip service scores 4, while post-trip service also scores 4.
What Customers Love
- Easy online buying process and clear policy documents
- Good 24/7 support for medical emergencies. One customer said the company helped find a pediatrician who made a house call in South America
- Quick claims processing for weather-related cruise delays and medical emergency reimbursements. Some customers received payment within days
Common Complaints
- Difficulty supplying all requested documentation for claims tied to international medical incidents
- CBPconnect for policies issued before November 2025 provides limited claim status visibility, leaving customers unable to track progress
- Post-trip service ratings fall below pre-trip scores, pointing to uneven support after travel
What’s Covered by World Trips Travel Insurance
Trip Cancellation Coverage
All three plans cover cancellation for 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 30 days; and travel supplier financial default.
Trip Interruption Coverage
World Trips reimburses unused nonrefundable trip costs, additional transportation to return home or continue to destination, and extra accommodation expenses if you must cut your trip short due to covered reasons like injury or family member illness.
Medical Emergency Coverage
Coverage includes hospital treatment, physician and surgical fees, prescription medications, ambulance services, emergency dental treatment (sublimits apply), and medical evacuation to nearest adequate facility. 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 provide 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). If airlines lose your checked bag for 12+ hours, you can purchase necessary clothing and toiletries 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 triggers reimbursement for meals and hotel costs.
Optional Add-On Coverages
- Cancel for any reason (CFAR): Available on Explore and Elevate only. Must be purchased within 21 days of the initial deposit and is unavailable within 48 hours of departure. Reimburses 50% or 75% of nonrefundable costs when cancellation occurs at least 48 hours before departure.
- Rental Car Damage: Provides collision damage waiver and theft protection for rental vehicles. Available on all three plans.
- Adventure Sports Coverage: Extends coverage to bungee jumping, hang gliding and parasailing. Offered as an upgrade on all plans.
- Pet Coverage: Covers 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: Doubles medical evacuation limits and allows transport to a hospital of choice instead of 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 met. 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 include 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 limited for destinations subject to U.S. State Department travel warnings.
Who Should Buy World Trips Travel Insurance?
World Trips excels in medical coverage, making it ideal for specific profiles rather than a universal top choice.
The $1 million medical evacuation coverage on Explore and Elevate exceeds many competitors, benefiting 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 benefit from 24/7 multilingual assistance and worldwide provider networks.
World Trips may not suit travelers requiring top-tier service. Allianz (100 score) and Travelex (99) rate higher than World Trips' 89. Cost-focused travelers find better value with World Nomads and Generali. Those valuing 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
What's the difference between Member Portal and CBPconnect?
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.
Can I purchase World Trips coverage for one-way international trips?
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.
Does World Trips accept credit card chargebacks as proof of loss?
No. World Trips requires documentation of actual loss or expenses. Chargebacks don't constitute proof since the charge was reversed.
Is there a family discount for insuring multiple travelers?
No specific family discounts exist. Each traveler requires individual coverage based on age and trip details, though children under 18 may have different pricing.
What happens if my travel supplier goes bankrupt after I purchase coverage?
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, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.