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WorldStrides Travel Protection Plans

It looks like you are visiting from Australia or New Zealand, would you like to go to the Australian Worldstrides site?

Register for a Program

To register for a program with a trip identification number (Program ID/Trip ID) enter the information below.

To register or apply for a program without a Program/Trip ID, visit our registration info page .

Need your Program ID/Trip ID Number? Give us a call 1-800-468-5899 and we'll look it up for you.

Log in to Your Account

To manage your account online, select your program.

For non-Canadian international performing tours , login to your account by clicking the button below.

For domestic events and tours plus Canadian festivals , login to your MyTrip account using your User Name and Password by clicking the link below.

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Questions? Contact your program team for more information.

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Questions? Contact your program team for more information .

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• My role is... Select... K-12 Educator Higher Ed Educator Athletic Director or Coach Student Parent
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Let’s get started! Visit our registration page .

You can get the answers to many common questions by accessing our Frequently Asked Questions .

•   Making a Payment .
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•   Academic Credit .

Need help? You can get the answers to many common questions by accessing our Frequently Asked Questions .

Thanks for visiting! You can get the answers to many common questions by accessing our Frequently Asked Questions .

Or give us a call at 1-800-468-5899 .

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Sometimes it happens—an emergency at home or a sickness can prevent a traveler from going on their trip or interrupt their tour. We hope this doesn’t happen to you, but to be protected if it does, we recommend covering your educational investment with our comprehensive travel protection plan offered through Trip Mate, our third-party travel protection plan provider.  In fact, four out of five WorldStrides travelers protect their tours with our travel protection plan. This high-quality travel protection plan covers your tour investment, your belongings, and most importantly, you. (Please note: this travel protection plan is available only on certain WorldStrides product lines.)

WorldStrides Travel Protection Plan – $149

Our standard Travel Protection Plan covers you for the following events:

• Enhanced medical, injury, or dental treatment while traveling
• A traveler’s injury, sickness, or death of a family member
• Theft of passport or visas
• Flight cancellations due to strike or bad weather
• Loss of luggage and personal effects
• Trip cancellation or trip interruption due to covered reasons such as a covered sickness, illness, injury, or death
• Trip cancellation or trip interruption due to terrorist attacks

The plan exclusion for pre-existing conditions is waived if you purchase the plan within 14 days of your initial deposit/payment for your trip. This plan may not be purchased after you have made the final payment for your trip.

Ultimate Travel Protection Plan – $249

Along with providing you the same benefits as our standard Travel Protection Plan, the Ultimate Travel Protection Plan also includes a Cancel For Any Reason benefit. With our Cancel For Any Reason benefit, if you cancel your trip for any reason not otherwise covered by this policy, we will reimburse you for 75% of the non-refundable cancellation fees which apply to your trip, provided:

• Payment for this plan is received by WorldStrides within 14 days of the initial deposit/payment of your trip; and
• You cancel your trip 48 hours (2 days) or more before your scheduled trip departure date.

This Cancel For Any Reason benefit does not cover:

• Penalties associated with any air or other travel arrangements not provided by WorldStrides; or
• The failure of WorldStrides to provide the bargained-for travel arrangements due to cessation of operations.

The Cancel For Any Reason benefit is provided by WorldStrides and is not an insurance benefit underwritten by Trip Mate. It must be purchased at enrollment or within 14 days of the initial payment for your trip.

Note: The cost of the plans are non-refundable once selected. For the Description of Coverage online, view the policy details at https://www.tripmate.com/wpUF380H . Additional information can be found here .

How to Submit a Claim

Before you submit a claim to Trip Mate through your Travel Protection Plan, there are a few things you’ll need to have ready:

• Your Plan Number: UF380H
• The departure and return date of your trip
• Depending on the reason for the claim, Trip Mate may indicate further documentation is required.

Claims may be reported to Trip Mate by any of the following methods:

• Online – visit https://www.travelclaimsonline.com
• Phone – call 1.800.888.7292 during business hours.
• Fax – 1.816.523.3379
• Mail – Trip Mate, Inc., 9225 Ward Parkway, Kansas City, MO 64114

If you choose to submit your claim online, you will be prompted to enter your plan number (noted above). Make sure to only fill in the fields marked with asterisks.

Please note once finished with the online form, you must print, sign, and send it to Trip Mate.

Note: This advertisement does not constitute or form any part of the Travel Protection Plan Certificate or any other contract of any kind. Plan benefits, limits, and provisions may vary by state jurisdiction.  The Travel Protection Insurance Plan is underwritten by: United States Fire Insurance Company Eatontown, NJ. Benefits are administered by: Trip Mate, Inc.*, 9225 Ward Parkway, Suite 200, Kansas City, Missouri, 64114, 800-888-7292 (*In CA, dba Trip Mate Insurance Agency)

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• Privacy Policy
• Terms and Conditions
• Legal Policy
• © 2024 WorldStrides, Inc. - CST#2041618-20

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Privacy Policy

The health and safety of our students is, and always will be, our highest priority.

As such, we are continuously evaluating all aspects of programs and may make changes to ensure that each program meets the most up-to-date health and safety standards. 

 To see how we’ve already updated our protocols call 844-320-0393 to speak with one of our advisors.  To find answers to frequently asked questions, see our Health & Safety Commitment.

Terms & Conditions

Legal Policy

Let the learning (and fun!) continue with WorldStrides individual travel programs

WorldStrides’ expertise spans the globe, and our programs do, too! From performing opportunities to individual exploration and more, we provide a variety of educational travel and experiential learning programs to support you throughout your lifelong learning journey. As a WorldStrides alum, you (and anyone in your immediate household) can save $350 on any individual travel program taking place now through August 2023.  Check out some of the life-changing programs available to you: 

Career Exploration

Discover your passion and try out a future career through hands-on experiences and interaction with subject-matter experts. Envision by WorldStrides programs take place on college campuses and span numerous fields like law, medicine, engineering, and business.

Individual Exploration

Follow your own unique passions and connect with like-minded students from across the country as you discover a new destination with our local experts. With both domestic and international programs available, you’ll immerse yourself in an exciting location and enjoy engaging, action-packed experiences that explore the rich culture and history of our world.

Performing Arts

Our Honors Performance Series distinguishes talented student musicians with the opportunity to perform at world-renowned venues, including Carnegie Hall and the Sydney Opera House. Several days of band, choir, or orchestra rehearsals lead up to a once-in-a-lifetime performance, and you’ll get to network with peers while experiencing the sights and performance arts of your destination!

Study Abroad

Study in prestigious settings like Oxford, Cambridge, Paris, Barcelona, and New York as you learn from renowned academics from a variety of disciplines while exploring your host campus and city. With more than 150 courses to choose from, you’ll distinguish yourself from the crowd while making lifelong friendships with fellow high-achieving students on an Oxbridge Academic Program.

Join us for a unique 13-week program that starts with an orientation in Rome and allows you to pick three destinations around the globe to study. Every location offers a different type of experiential learning, from university classes and language studies to community engagement and development projects.

Looking for program related information or want to connect with other program alumni?

Tell us who you are and we'll get you to the right place: Please keep an eye out for additional information regarding your program.

Not yet enrolled? Enroll now.

Tuition and Travel Protection Plan

Envision by WorldStrides and WorldStrides offer the option to purchase the Tuition and Travel Protection Plan. Plans contain both insurance coverage, underwritten by United States Fire Insurance Company, as well as non-insurance assistance services provided by On Call International. You may purchase this plan when you enroll. You also may select this option after enrollment through your post-enrollment page at MyEnvisionExperience.com or MyTravel.WorldStrides.com , respectively. P le ase note that the benefits, terms & conditions may vary by state. If you or your parents would like more specifics about the Tuition and Travel Protection Plan, please click on your home state below or call the plan administrator at 866-282-3987.

This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2022. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain noninsurance Travel Assistance Services provided by On Call International. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. CA DOI toll free number: 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Co-Ordinated Benefit Plans, LLC [DBA: California: “CBP Administrators, LLC” and “Co-Ordinated Benefit Insurance Services, LLC”]. Business Address: 2536 Countryside Boulevard, Clearwater, FL 33763; Telephone Number: 866-282-3987; Email Address: [email protected]; CA License number: 0723057

Sample Schedule of Benefits*

No benefits will duplicate any other benefit or coverage provided under your plan. should there be a duplication of coverage or benefits, then we will pay the benefit providing the largest amount of coverage..

*Benefits may vary for your state, please see below for your specific plan.

Optional Program Extensions*

*NOTE: Extensions are offered for select sessions. See the online enrollment page for full details.

Click on your home state below to view your Tuition and Travel Protection Plan:

International Students- click to view your Tuition and Travel Protection Plan .

Customers who currently have the Tuition and Travel Protection Plan- click to view FAQs related to COVID-19 related claims .

Envision is not an insurer and does not have any liability for any coverage amounts. As a travel retailer, Envision is not qualified or authorized to answer technical questions about the benefits, exclusions or conditions of any of the insurance coverages in the plan or to evaluate the adequacy of your existing insurance coverage. Envision and its employees may offer and disseminate travel insurance under the direction of Co-Ordinated Benefit Plans, LLC (CBP). You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this plan with your existing life, health, home, and automobile insurance policies. If you have any questions about this coverage, contact CBP at 866-282-3987. Purchasing a travel protection plan is not required in order to purchase any other products or services offered by Envision.

Frequently Asked Questions – Enrichment Programs

General trip information faqs for enrichment travel.

Below, you will find some general information on our most commonly asked questions. Please review your program invoice & registration materials for your specific trip deadlines, policies, & payment schedules.

What do I do if I have any questions about my trip, registration or payments?

If you have any questions about your trip, how to register, how to make payments, trip refund protection, or anything regarding your travel program, please feel free to either email us at [email protected] or call our Guest Services Department, Monday – Friday between 8:30am to 4:00pm Pacific Time at 916-939-6805.

How do I log onto my account online?

Please visit our website . At the top of the screen, you will see an “account login” button. Enter your last name AND Traveler ID #. If this is your first time logging in, please leave the password field blank and click the log in button. The system will prompt you to make a new password. If at any time you forget your password you can reach out to our guest service team either via email at [email protected]   or phone 916-939-6805 and our team can reset your password. You will be asked to verify your Traveler ID and additional personal information on your account for security purposes.

What forms of payments does WorldStrides accept?

We accept valid credit cards (Visa, Master Card, Discover Card), Gift Cards, and personal checks. We do not accept America Express or Cash. Credit card charges will appear on your credit card statement as  “WorldStrides Travel 916 939-6805.” See Term & Conditions  for full explanation.

Who do I make my check payable to?

Please make all checks payable to WorldStrides and always include your Traveler ID # and school/group name (ex. Eastlake High School Cheer Team).

Can I give my payment to the Organizer/Teacher at my school?

We ask you to make your payment online or call our office for faster processing and a less likely chance of your payment being delayed. Delayed payments will be considered late.

Can I pay my account in full during registration?

Yes. At any time, you may pay your account in full. To pay in full at registration, please change the amount in the payment box and type in the amount you would like to pay.

What is a Traveler ID?

This is your Customer Account Number, which you receive after registering for a WorldStrides trip. It is included in your confirmation letter and on every invoice. You will need this to make payments. Please include with any correspondence.

How do I know what is owed and when payments are due?

A non-refundable trip deposit per group and/or passenger and a completed and signed Registration Form, either by mail, call or online submission, are required to secure a reservation no later than the first deposit due date. Deposit amount and due date are set by Specialty Travel Program (STP) and the Group’s Trip Program Leader (PL). Remaining balance is due on or before the final payment date listed on your specific STP trip invoice(s). If space is not available when your reservation is received, we will hold your payment and place your name on a waiting list until space becomes available or until you request a full refund. If no space becomes available, you will be refunded in full, by the method of original payment made to us (Credit Card or Check).

Upon Registration, how long will it take for me to receive a confirmation invoice?

Upon online registration you will receive a confirmation email to ensure your registration has been received. An updated invoice will be sent after each initial deposit and payment.  If you would like to request an invoice at any time, please reach out to your Program Manager for assistance.

Do I have to be paid in full by my final payment date?

Yes. If you are not paid in full by the final payment date, you will be subject to cancellation and the corresponding cancellation penalties.

What if my invoice says “Waiting”.  What does that mean?

You will see “waiting” if you register and the trip is currently full (the trip is either sold out of air/bus seats or if additional transportation has been requested, then the group is “waiting” for a few more spaces and/or travelers to register in order to receive the group discounted rates). We will continue to monitor the available space and let you know via e-mail as soon as we can guarantee you a seat. You will still need to make payments and pay in full by the final payment date for your reservation to be accepted for active status.  If seats do not open up, then you will be refunded all payments made.

I did not receive an invoice; how do I make a payment?

You do not need an invoice to make a payment. Invoices are sent approximately 2 weeks prior to the payment due date. If you sign up in-between invoicing dates or if we have an incorrect email address you may not receive an invoice. To make a payment simply call or email our guest services team to update your email address and/or to make your payments. You can also make payments on-line on our secure website ( Click here ) using your Traveler ID #.

Do you offer Trip Refund Insurance?

Yes. For domestic travel programs, we offer a Trip Refund Protection (TRP) Program . The TRP is optional and available for a nominal fee, that must be paid in advance for your trip to be covered.  Under this optional program, you are eligible for a refund of money paid to WorldStrides (minus the TRP fee and the initial deposit) should you have to cancel in writing, for any reason, up to...

• 24 hours prior to your scheduled travel date (Land Only, Bus Transportation and Other Non-Air Flight Travel Programs)
• 5 days prior to your scheduled travel date ( Air Flight Inclusive Travel Programs)

1.     For Flight inclusive programs, the TRP must be purchased within 14 days of the initial registration date . If a customer opts out when they register and changes their mind, within the 2 weeks, they can purchase it through their online account or contact their Program Manager for assistance.  After 14 days of receipt of initial deposit date, the TRP can no longer be added, and you will be subject to all terms and conditions for cancellation penalties.

2.    For non-flight programs (i.e. trips with bus or no transportation), y ou have until your final payment date to add and pay for the TRP. After the final payment date, this program can no longer be added, and you will be subject to all terms and conditions for cancellation penalties.

The TRP is available based on your selected flight inclusive or land only (non-flight inclusive) travel program costs and will be listed on your trip itinerary.  You may also find the pricing table by reviewing our Term & Conditions .

If I did not purchase the TRP, how much am I eligible to receive refund?

If you choose not to purchase the TRP, your right to a refund is limited. If you cancel your trip (for any reason) after the final payment date (listed on your registration form), no refund will be issued.   If you did not purchase the TRP and your trip is cancelled due to a “Exceptional Circumstances” shutdown (see Terms & Conditions for exact definition), you will receive a refund minus a cancellation fee of $149 per person for groups traveling land only (by bus or other non-flight inclusive programs) and $289 per person for flight inclusive travel programs.

If the Trip is Canceled due to government shutdowns/Exceptional Circumstances, what is refunded?

If you purchased Trip Refund Program (TRP) insurance by the noted TRP due dates, and if you, your Program Leader, the School, or the School’s Administration, need to cancel at any time due to an exceptional circumstance (see definition in Terms & Conditions for exact definition), the TRP will reimburse you the amounts you’ve paid, minus the TRP enrollment fee paid. If you did not purchase the Trip Refund Program (TRP) but have to cancel due to Exceptional Circumstance, you will be entitled to a refund of all monies paid minus your initial trip deposit (for non-air flight travel programs) or a flat fee of $289 (for domestic air flight Inclusive travel programs).

How do I cancel my trip?

All cancellations must be in writing. Please email your cancellation letter with your Name, Traveler ID #, and school name. All cancellation charges will apply. Email [email protected] or your Program Manager directly.

If the Trip is Canceled due to our school/district restricting travel, what is refunded to us?

If you purchased Trip Refund Program (TRP), you will receive a full refund minus the TRP enrollment fee and initial deposit payment. If you did not purchase the Trip Refund Program (TRP), refunds will follow the “Cancellation Schedule” listed on your Program Contract.

If a student tests positive for COVID prior to the trip and must quarantine, what is refunded to us?

If someone tests positive for covid during the trip, how is that handled.

If someone gets sick during the trip, your school will most likely have protocol from the school administration as to how this will need to be handled. Ask the Program Leader if she/he has been given any instructions from the administrators. WorldStrides will not be liable to pay for hotel rooms, flight changes, etc. if someone tests positive and needs to be quarantined, but we can help with the process and logistics of getting them a room, changing flights, etc. If a parent is not on the trip with their daughter/son, then they will be responsible to get to their child. We can arrange for a chaperone to stay with the individual until a parent can arrive.

When will I get my specific flight and program information?

You will receive a Travel Program Departure Information from WorldStrides or your Program Leader containing specific final travel details approximately two to three weeks prior to departure. This document includes the flight schedule (if applicable), and other transportation, as well as hotel and sightseeing information. All airline tickets are sent directly to the Program Leader.

Are we able to book our own hotel and/or flight and only purchase reservations for attractions?

At WorldStrides, we are able to negotiate and contract group pricing. The package price for trip components (such as hotel, air, attractions, meals) is determined with all applicable components included, divided by the number of participants. We are typically unable to subtract any part for an individual as it would affect the price that everyone else is paying.

Can I change my traveler’s flight times and destinations?

Due to the nature of group travel, we are unable to change any aspect of the flight, including departure and return flight times and destinations.   The group must travel together throughout the entire program.

What is a REAL ID?

A REAL ID is a driver’s license or identification card that is also a federally accepted form of identification. In 2005, the United States Congress passed the REAL ID Act in response to the terrorist attacks on 9/11. The REAL ID Act requires states to adopt and implement uniform standards for the issuance and production of state-issued driver licenses and identification cards if they are to be accepted as identity documents by the federal government. This Act strengthens the integrity and security of state-issued cards to reduce identity fraud and terrorism.  Beginning May 7, 2025, only state-issued driver licenses and identification cards that are fully compliant with the REAL ID Act will be accepted for official federal government purposes, such as boarding domestic flights.  For more information on the Real ID and how your State of residence is handling it, please visit, https://www.dhs.gov/real-id .

How do I know if my license or identification care is REAL ID compliant?

REAL ID-compliant cards will have of one of the following markings on the upper top portion of the card. If the card does not have one of these markings, it is not REAL ID-compliant and won’t be accepted as proof of identity to board commercial aircraft. Examples of REAL ID markings:

It is your responsibility to be REAL ID compliant. If you’re not sure, check your state driver’s licensing agency on how to obtain a REAL ID compliant card.

Do I need a REAL ID for my trip?

If you are traveling via US domestic carrier , then beginning May 7, 2025, you must have a State Issued REAL ID to board a domestic flight within the U.S. If you are traveling on a motor coach or train within the US, a REAL ID driver’s license or identification card is optional. For more information on the Real ID and how your State of residence is handling it, please visit, https://www.dhs.gov/real-id .

Do I need a REAL ID if I am under 18 by date of travel?

No.  The Transportation Security Administration (TSA) does not require anyone under the age of 18 to provide identification when traveling with a companion within the U.S. However, the traveling companion will need acceptable identification, such as a REAL ID, U.S. Passport, U.S. Passport Card, DHS Trusted Traveler Card, etc.

For any further questions about your trip and our polices, please review our Term & Conditions , contact our Guest Services Department via email at [email protected] , or call us Monday thru Friday 8:30am to 4:00pm Pacific Time at (916) 939-6805.

Updated 07/28/23

• About WorldStrides

Ready to learn more and enroll? To access your tour, please enter your trip credentials.

Access Tour with Trip ID

Enter the trip ID provided by your teacher or program leader. It's the name of your program leader, followed by a number (example: Smith-1234).

Don't have your trip ID? No problem. Give us a call and we'll look it up for you: 1.800.771.5353

Access Tour with Username & Password

Please enter the tour username and password provided to you by your teacher or program leader.

Unsure of your tour credentials? No problem. Give us a call and we'll look them up for you: 1.800.771.5353

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As the US Sports Travel Program for WorldStrides, we are a full-service, global sports travel provider offering athletes, coaches, families, & spectators one stop for travel-related resources and services.

Since 1985, we have successfully provided quality travel experiences to over one million participants attending games, tournaments, and special affinity events worldwide. Our main offices are based in the United States (California, Virginia, Baltimore, and Florida), however, we also have offices in Toronto, London, Sydney, & Shanghai, available to support your travel interests both inbound and outbound. Our strong global partnerships with major hotels, airlines, attractions, and restaurants creates a value-added and affordable travel experience for travelers going to any destination.

• A+ Better Business Bureau (BBB) Rating
• $1 Million in Consumer Protection
• $50,000,000 in Professional Liability Insurance (Highest in Travel Industry)
• Appointed by the International Airlines Travel Agent Network (IATA)  
• Founding Member of the Student Youth Travel Association (SYTA)  
• 35-Year Preferred Partner of California Association of Directors of Activities (CADA)

1) EXPERIENCE : Since 1985 - Over 30 years of successful group travel experience. Over 10,000 successful groups and over 1.5 million travelers throughout North America.

2) FINANCIAL RESPONSIBILITY : We are an approved Seller of Travel in all US States, And maintains a $1,000,000 Consumer Protection Bond. Client funds are only utilized for trip operations.  Additionally, we carry a $50,000,000 travel insurance policy.

3) COMPANY CREDENTIALS : We have all the registration required to be a U.S. Travel Promoter in every state requiring such. We are an active member in all relevant travel related associations - National Tour Association (NTA), American Bus Association (ABA), and Student Youth Travel Association (SYTA).

4) FULL SERVICE TRAVEL PROVIDER : WorldStrides is a full service, Airline Reporting Corporation (ARC)/International Airline Transportation Association (IATA) appointed travel agency. We have airline contracts with all major air carriers and have 25 years of Charter Air Operations experience.

5) INDUSTRY LEADER : In 1997, we founded the Student Youth Travel Association (SYTA). SYTA currently has over 1000 industry members, and is considered "The Voice of Student & Youth Travel" in Global Student Travel.

6) LOCATION : Headquartered in Virginia, WorldStrides has full time US offices in El Dorado Hills CA, Baltimore MD, Boston MA, Denver CO, Austin TX and international offices in Canada, Asia, Australia, Europe and South America.

7) VALUE-ADDED SERVICE : We put together your trip - what you want. We'll provide experienced customer service throughout planning and an energetic and professional staff while the group is on the trip (if requested). a. Quality, student-friendly resort hotels convenient located. Upgrades to organizers b. Deluxe Private SPAB Charter Buses with SPAB-Certified Drivers on all trips. c. Great sight-seeing, theme parks , and student-friendly restaurants available.

8) PRICE : Our long term history and large National and international presence provides our Company with strong vendor relationships (airlines, buses, hotels, attractions, restaurants, etc.).  We can provide your group the trip you desire for the best price and value.

9) CONFIDENCE : Although we hope our company's experience, credentials, location, and value-added services will offer you strong confidence in knowing you will have a successful trip, we also know that a personal relationship is just as important. We will work as hard as possible to ensure that your trip is EVERYTHING you expect and more!!

10) PEACE OF MIND : Finally, and just as important as all the above, WorldStrides will produce a smooth, worry-free trip for you the organizer, for your travelers and for their Families, without any of the planning stress. We will handle all the details, we do all planning, book the components, collect the money, and execute the itinerary, so you and the group can focus on the amazing trip experience, the destination enrichment and the most fun.

Travel Provider Services:  One-Stop, Full Service

TRAVEL BOOKING SERVICES

• Group Air Transportation
• Ground transportation (rental car, airport shuttle, local shuttles)
• Accommodations (All national brands and local brands near venues)
• Local Tours & Activities available at special rates
• Meal Discount Deals
• Sports Insurance (Trip cancellation coverage)

AVAILABILITY

• Live via toll free - 7:30 AM-5:00 PM Monday-Friday
• On-Request hours - 24 hours as needed
• Online Booking via Engine - 24/7
• 24 hour/day emergency service during event time
• 24 hour/day Portal Access for Event Organizer

GUEST SERVICES

• VIP credentials badge for booked guest for events (optional per agreement – badges create affinity, and provide vehicle for MVP Meal/activity deals/ART
• Currency exchange options for foreign guest
• Fund Raising options available
• Event Departure Guide (at confirmation, 2 weeks out & onsite)
• Uniformed staff at event site 24/7 for hotel/attraction/service needs
• 98-100%+ Guest Satisfaction Ratings last 2 years from surveys

MARKETING SERVICES

• Custom Web site for each event, quick setup/turnaround/updates
• Email blasts-personalized to each guest
• GAP tracking (Group Accountability Program) for outbound communication to track status of event booking per event
• Targeted Travel survey sent immediately post event

SALES SUPPORT SERVICES

• Office throughout US – International (Canada, China, Australia, UK)

ACCREDITED SPORTS EDUCATION PROGRAMS

• Accredited in all US States to issue High School and College Preparatory credit for enrichment travel programs

Questions? Contact Us!

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WorldTrips Travel Insurance Review

• Coverage Options from WorldTrips

How Much Does WorldTrips Cost?

• How to File A Claim with WorldTrips

Compare WorldTrips Travel Insurance

• Why You Should Trust Us

WorldTrips Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

WorldTrips Travel Insurance has been a reputable travel insurance provider for more than 20 years. WorldTrips offers various plans and tiers that can suit your travel insurance needs. Read on to learn more about WorldTrips.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
• con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
• con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
• con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

• Travel medical insurance (Premium, Group, Annual, and International Student options)
• Trip cancellation insurance
• Trip protection insurance

WorldTrips Travel Insurance is among the best travel insurance companies , with plans to cover a wide range of needs. It provides group plans, annual multi-trip plans, and multiple plans for travel and medical protection. Its plans are also well below the average cost for travel insurance, though some competitors have higher coverage limits than WorldTrips.

WorldTrips also sports a wide range of add-ons including CFAR coverage, destination wedding cancellation coverage, and adventure sports coverage. 

Coverage Options by WorldTrips

WorldTrips offers several unique products for travelers, including a dedicated plan for students pursuing study abroad programs. Within these plans, there are addition tiers of coverage that offer higher coverage limits. This section will help you understand the different plans available through WorldTrips.

Most plans include COVID-19 coverage by default. Many also allow you to customize the plan to include optional upgrades for additional protection.

Medical coverage for travelers

Atlas Travel

Flagship product Atlas Travel provides travel medical insurance for travelers of various nationalities — a valuable product for anyone seeking financial support while exploring the world. The maximum coverage available through an Atlas Travel plan goes up to $2 million.

It's worth noting Atlas Travel does not cover US citizens and residents. However, US citizens and residents can purchase travel insurance coverage for countries outside the United States under an Atlas International plan. In addition, non-US citizens outside of the United States are also eligible for coverage within the US under the Atlas America plan. The site automatically selects it for the traveler at the time of purchase.

Atlas Premium

Atlas Premium is an upgraded version of Atlas Travel offering more flexibility on deductibles, coverage duration, and coverage maximums. This plan is ideal for several types of travelers, including parents covering an entire family, travelers planning adventurous activities carrying some risk, and people planning luxury or expensive travel.

Atlas Group

Atlas Group offers Atlas Travel benefits at a 10% discount for people traveling in groups of five or more. This policy is ideal for traveler profiles such as youth groups, missionaries, students studying abroad, larger families, and organizations planning international travel.

Atlas MultiTrip

Digital nomads and frequent international travelers can benefit from an Atlas MultiTrip plan. It provides global health coverage for any number of pre-planned or last-minute trips within 364 days, as long as each trip lasts fewer than 30 or 45 days. The duration guidelines vary depending on the coverage selected.

StudentSecure

Students studying abroad can purchase StudentSecure, an international health insurance policy for full-time students and scholars pursuing academic studies outside their home country. StudentSecure comes in four levels of coverage to meet each student's specific needs and meets or exceeds most country or school insurance requirements.

Trip cancellation and interruption

Atlas On-The-Go

Atlas On-The-Go covers you if you only need financial reassurance for your travel plans. This trip protection insurance is for US residents traveling worldwide. In addition, it provides medical coverage for unexpected sickness, injury, lost or stolen bags, or travel cancellations. 

Atlas Journey

Atlas Journey offers trip protection coverage for US citizens and residents on domestic and international travel. You can choose from three tiers of coverage: Premier, Preferred, or Economy, with up to 150% of trip costs covered in the case of travel interruptions, as well as up to $1 million in medical evacuation expenses.

Additional Coverage Options (Riders)

Buyers can customize many WorldTrips policies to enhance the overall benefits of the insurance plan. Here are some of the available riders and purposes.

Cancel-for-any-reason (CFAR) coverage

Cancel-for-any-reason insurance coverage, often abbreviated as CFAR, is an optional upgrade for Atlas Journey Premier and Preferred. It allows you to claim a percentage of your nonrefundable travel costs if you cancel your trip for any reason.

CFAR is available as an add-on on specific WorldTrips policies and can cover either 50% or 75% of your total nonrefundable travel forfeited when you cancel. However, you'll have to purchase CFAR coverage within a specific time limit after your first payment for travel expenses. You must cancel your trip more than 48 hours before the scheduled departure to make an eligible CFAR claim.

Adventure activities coverage

WorldTrips offers additional coverage options for adventurous travelers pursuing risky or challenging activities. This add-on increases your medical and evacuation benefits in the event of an incident.

Pet care coverage

If you're traveling with a pet, this coverage will help cover some of the costs associated with pet travel, including medical expenses if needed.

Rental accommodations coverage

This add-on covers expenses you may incur if your accommodations are double-booked or untenantable.

Rental car coverage

If you rent a car during your travels, you can purchase this add-on to forego the coverage offered at the rental car desk. Note, if you hold a premium credit card with travel benefits, you may already have access to free rental car insurance meeting or exceeding any ceilings offered through WorldTrips, even with this upgrade.

School activities interruption/cancellation coverage

If a school schedule change impacts your travel plans, this add-on will reimburse you for nonrefundable travel expenses associated with the travel cancellation or interruption.

Hunting and fishing cancellation/interruption

This add-on will help defray your cost if changes to your local government restrictions or equipment delays impact your travel plans. Unfortunately, this policy does not cover big game hunting.

Destination wedding cancellation or interruption coverage

This policy add-on protects guests attending a destination wedding. If the couple cancels the wedding or the event is delayed or canceled due to other circumstances, this policy will help cover expenses incurred by the change in plans.

Travel insurance coverage varies greatly, and the amount you pay reflects the range of protection . However, since travel insurance protects your financial investment, it's typically worth spending a few extra dollars for higher coverage maximums, especially for medical insurance and evacuation expenses.

To receive a quote with WorldTrips, you need to enter your state of residence, trip cost, duration, traveler(s) age, and date of initial trip payment.

We ran a few simulations to offer examples of how much a WorldTrips policy might cost. You'll see that costs usually fall between 1% to 4% of the total trip cost, but can go up to 8% under certain plans and conditions.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  WorldTrips travel insurance quotes:

• Atlas Premium Insurance: $28.08
• Atlas Journey: $86-$120

Premiums for WorldTrips plans are between .9% and 4% of the trip's cost, well below the average cost of travel insurance .

WorldTripsprovides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Atlas Premium Insurance: $56.85
• Atlas Journey: $112-$157

Once again, premiums for WorldTrips plans are between 1.4% and 3.9%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following WorldTrips quotes:

• Atlas Premium Insurance: $253.20
• Atlas Journey: $326-$494

Premiums for WorldTrips plans are between 4.2% and 8.2%, once again below the average cost for travel insurance. This is especially impressive as travel insurance is often more expensive for older travelers.

Annual Plan

WorldTrips offers a multi-trip plan, that can cover multiple trips over a year. This plan has two tiers, which affect how long each covered trip can last. The cost of annual travel insurance with WorldTrips for a 35-year-old is as follows:

• 30-day trips: $193
• 45-day trips: $236

How to File a Claim with WorldTrips

Unfortunately, the WorldTrips claim filing process leaves much to be desired. WorldTrips customers need to keep their travel insurance policy handy to know which claims process to follow. Additionally, WorldTrips lacks a mobile app, so you'll have to manage your WorldTrips policy through its website. 

You'll also need to have some other information on hand, such as whether or not a medical provider would bill WorldTrips directly on your behalf or if you have to pay out of pocket at the time of your service.

Atlas Travel, Atlas Premium, Atlas Group, Atlas MultiTrip, and StudentSecure travel medical insurance

If you hold a policy under one of the travel medical insurance products above, here's the step-by-step guide you'll reference when submitting a claim. You can submit your claim via email or regular mail using the following contact information:

Phone: (800) 605-2282 (within the US) and +1 (317) 262-2132 (outside the US).

Non-emergency calls are taken Monday to Friday from 7 a.m. to 7 p.m. ET.

Mail: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A.

You can also submit your claim electronically through your customer portal: Client Zone for most policyholders and Student Zone for students.

Atlas Journey and Atlas On-The-Go trip protection insurance

If you have an Atlas Journey or Atlas On-The-Go plan, you'll have to complete an online form that includes supporting document for every claim. If you cannot upload your documents, you can send them to WorldTrips's claims team at [email protected].

If you're a student, you must submit additional documents for your claim proving you are a full-time student and any necessary education-related visas or I-20/DS2019. Having the proper records can make your claim much less frustrating.

See how WorldTrips Travel Insurance stacks up against the competition. 

WorldTrips Travel Insurance vs. Nationwide Travel Insurance

WorldTrips compares favorably to Nationwide Travel Insurance . While Nationwide is also a reputable insurance provider with great reviews, the company offers just two standard plans customizable with unique add-ons. Nationwide does offer some of the most affordable travel insurance rates with a large and recognizable company name behind it. However, unique add-ons like sports equipment and pet coverage are not available.

Thus, travelers seeking more customized travel protection may prefer the unique plans offered through WorldTrips, especially those looking for specialized coverage for destination weddings, group travel, study abroad programs, and more. On the other hand, travelers without special coverage needs looking for cheap travel insurance may want to stick with Nationwide.

Karen S posted about her trip to Turks & Caicos on insuremytrip.com, saying, "It was easy to find a plan with the coverage that I needed. My travel companion is my 92-year-old mother so it was imperative that I have the best coverage at a reasonable cost."

Read our Nationwide travel insurance review here.

WorldTrips Travel Insurance vs. Berkshire Hathaway Travel Insurance

WorldTrips and Berkshire Hathaway are well-known insurance companies in the travel protection industry, offering various plans to meet the needs of any traveler. If you're planning a particular trip with multiple variables, WorldTrips has more customizable options with different types of add-ons and upgrades. However, Berkshire Hathaway offers a significantly easier claim filing process through its proprietary app, which can help you submit photos and other evidence for your claim in just a few seconds.

Both companies have customer reviews suggesting coverage provides peace of mind. But claims filing gets mixed reviews.

Read our Berkshire Hathaway travel insurance review here.

Customer Service and Support Experience From WorldTrips

Compared to other travel insurance companies, WorldTrips doesn't have many customer reviews. However, existing customer reviews of WorldTrips are mixed.

It received an average of 4.2 stars out of five on its Trustpilot page across over 500 reviews and 4.3 stars across over 400 reviews on SquareMouth. Many of its negative reviews concern problems with its website, which is especially concerning since it doesn't have a mobile app like many of its competitors. 

Google reviews on its headquarters in Caramel, Indiana are even worse, averaging 3 stars across 120 reviews. Customers mentioned difficulty receiving a payout for medical costs. Several customers reported filing a claim on a medical expense that occurred while traveling, which WorldTrips denied because it was a pre-existing condition. Additionally, customers reported waiting months for their claims to be answered. 

WorldTrips Travel Insurance FAQs

You can extend your WorldTrips Atlas Travel Insurance coverage for up to 364 days from the initial effective date.

WorldTrip's travel medical insurance will cover expenses related to COVID-19.

WorldTrips will cover pre-existing conditions if you purchase your policy within 21 days of the initial trip deposit date.

To file a claim with World Trips, you'll need documentation such as medical records, receipts for expenses incurred, and a completed claims form. If you're a student, you will also need to prove your full-time enrollment and, if applicable, your education-related visa.

Whether you can purchase World Trips insurance after starting your trip depends on their policy. Some insurers may allow this, but there may be restrictions or limitations. Contact World Trips directly to inquire about purchasing insurance after your journey has begun.

Why You Should Trust Us: What Went Into Our WorldTrips Travel Insurance Review

We evaluated WorldTrips against the best travel insurance companies by comparing the options offered, customizations available, coverage ceilings, and ease of filing a claim. A licensed insurance agent reviews our articles. Our rating system is available to read in-depth here .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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WorldTrips Travel Insurance Review — Is It Worth It?

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Who Can Get WorldTrips Travel Insurance?

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Planning trips is fun. Reading about travel insurance for them isn’t. But a little effort to plan for problems during your upcoming vacation can make a big difference.

WorldTrips provides multiple types of travel insurance, ranging from minimalist policies with just medical insurance to full-scale policies that cover anything that might go wrong during your next family vacation. The insurer also offers add-ons that most competitors lack, such as policies for students studying abroad, special provisions for hunting and fishing trips, veterinary emergencies, school activities that force you to delay your vacation, and even coverage for destination weddings when the bride or groom calls it off.

However, you may be surprised that rental car protections are only available as an add-on to WorldTrips plans, and you’ll need the most expensive plan if you want to add coverage for pre-existing medical conditions.

Here’s a look at the various travel insurance plans from WorldTrips and whether the costs are worth it.

Before understanding who can get a plan, it’s essential to understand the different types of travel insurance plans available from WorldTrips.

Atlas Travel plans are available for citizens and residents of numerous countries when traveling internationally. Conversely, Atlas Journey plans are available only to U.S. citizens and residents, covering domestic and international travel. Atlas Journey plans are geared primarily toward trip delay and cancellation benefits, while Atlas Travel plans are focused primarily on medical coverage. However, they share some crossover benefits.

WorldTrips also has travel insurance policies that aren’t focused on typical tourists. StudentSecure plans provide injury and illness coverage for those studying abroad. Atlas MultiTrip plans provide coverage for 364 days, covering trips up to 30 or 45 days each (depending on the plan you choose), and Atlas Group plans can provide up to a 10% discount if you’re traveling in a group of 5 or more people.

Additionally, WorldTrips Atlas Travel plans can provide medical coverage for those doing overseas volunteer or missionary work.

What Does WorldTrips Travel Insurance Include?

WorldTrips offers multiple types of travel insurance policies. Atlas Travel plans are available only for international trips (open to residents of many countries) and primarily focus on medical coverage. With these plans, you’ll choose your preferred deductible and maximum coverage limit, then provide your age and destination.

U.S.-based travelers have access to Atlas Journey plans. These cover domestic and international trips and are what you likely think of when considering travel insurance. We’ll analyze these in depth in the article and then cover the medical-focused Atlas Travel plans near the end.

To know what you’re looking for in a travel insurance policy, you should first understand what the types of coverage are:

• Trip Cancellation Insurance: Covers prepaid, non-refundable expenses when you cancel a trip for covered reasons like sickness, injury, or death of a family member.
• Trip Interruption: Reimburses prepaid, non-refundable expenses if you miss part of a trip or have to end a trip early due to covered reasons like weather, jury duty, or injury.
• Travel Delay: Applies to additional expenses incurred for delays of 5+ hours, covering accommodation, meals, and local transport costs.
• Travel Inconvenience: Applies when one of the following occurs: your return home is delayed and causes you to miss 2 or more days of work, your flight must land 50+ miles from the original destination, there’s a documented security breach causing delays at your departure terminal, you’re a victim of a verified physical assault, your credit/debit card is canceled for reasons beyond your control, or your travel documents are stolen and can’t be replaced locally.
• Emergency Accident and Sickness Medical Expense: Covers losses due to medical and dental emergencies. This is secondary coverage except on the Premier plan.
• Medical Evacuation and Repatriation of Remains: Covers medically necessary transportation and care en route when you’re ill or injured and don’t have access to appropriate care in the immediate area. You also can be covered for repatriation to your home or other U.S. city with appropriate care, requiring prior approval.
• Baggage Damage or Loss: Provides reimbursement for loss, damage, or theft of personal effects in excess of other insurance, such as homeowners’ or airline baggage policies.
• Baggage Delay: Provides reimbursement for covered expenses after 12+ hours of baggage delay at your destination. Covered expenses include necessary clothing, laundry, toiletries, and costs for retrieving your baggage. Coverage ends when your luggage is retrieved or you return home — whichever is first.
• Missed Connection: Can reimburse expenses related to missed cruises, tours, flights, or trip departures due to 3+ hours of delays. Covered delays include weather, carrier problems, strikes, quarantines, and more. Expenses cover costs to catch up with your trip or money lost from missing the trip.
• Airline Cancellation or Reissue Fees: Reimburses costs for changing or canceling tickets after interruptions or canceled flights. This coverage applies to costs after any refunds or vouchers you receive.
• Travel Assistance Services: Provides 24/7 assistance services like security advice, coordination of medical benefits, interpreters, legal referrals, and referrals for needs during emergencies. Note that you may have costs for services you use from these referrals.

It’s also important to note that each section has rules and restrictions about which costs are covered, when coverage applies, and other terms you must follow.

Optional Add-ons to Atlas Journey Plans

You’ll see options for additional coverage depending on the base plan you select:

• Cancel for Any Reason Coverage (CFAR): This add-on policy covers up to 75% of your losses if you cancel for reasons not covered in other sections of your policy, so long as you purchase within 21 days of your first deposit and cancel 48+ hours before the trip. This add-on isn’t available for Economy plans.
• Interruption for Any Reason: Provides reimbursement for 50% of non-refundable trip costs after a trip is interrupted for non-covered reasons. WorldTrips says, “No questions asked” on this coverage. This add-on is available for Premier plans only.
• Pre-existing Conditions: Requires purchasing a policy within 21 days of the initial deposit and covers pre-existing conditions that have a change in treatment or that make you unable to travel.
• Adventure Sports: Provides coverage for leisure, non-professional sports like bungee jumping, scuba diving, and mountain climbing up to 7,000 meters, as well as safari activities. This add-on is available for all plan levels.
• Rental Car Damage and Theft: Requires a $250 deductible; afterward, provides rental car coverage for collision, theft, and damage beyond your control. You must be authorized to drive at the destination and listed on the rental policy. This add-on is available for all plan levels.
• Pet Care: Provides reimbursement for a trip canceled due to the death or critical illness of your dog or cat within 7 days of trip departure. Provides up to $250 in coverage for boarding fees if your return home is delayed for a covered reason and up to $500 for emergency veterinary care for a pet traveling with you. This add-on is available with all plan types.
• Rental Accommodations Protection: Covers trip interruptions if you can’t access your vacation rental property for 12+ hours or if your property is unsuitable or not as described on arrival. It’s available on all plan levels.
• School Activities: Provides cancellation coverage for trips you must cancel due to school activities like exams or sporting events beyond standard season dates. This coverage also applies to study abroad, volunteer, or philanthropic programs. This add-on is available for all plan levels.
• Hunting and Fishing: Covers canceled and interrupted trips related to changes in government regulations or delays of 24+ hours in receiving your necessary equipment. This coverage also applies to theft, damage, and destruction of your essential equipment and trips where your guide or traveling companion becomes medically unfit to participate. This add-on is available for all plan levels.
• Destination Wedding: Provides reimbursement for lost funds when you plan to attend a wedding and then it’s canceled. Coverage also applies to canceled flights, flights forced to land 50+ miles from the intended airport, and flight delays of 12+ hours. This add-on isn’t available for Economy plans.
• Security/Terrorism: This covers cancellations due to terrorist events at your destination or trip interruption for riots/civil unrest lasting 12+ hours. It also can provide ransom payments or security assistance for kidnapping. However, it doesn’t cover countries like Mali, Afghanistan, Syria, or others excluded from the policy. It’s available on all plan levels.
• Primary Medical Coverage: This paid upgrade to Preferred plans makes the emergency medical and dental benefits primary coverage rather than secondary.
• Primary Baggage Coverage: This makes baggage coverage primary rather than secondary. This is available on all plan levels.

It’s also possible to upgrade your maximum coverage limits on certain benefits. These include baggage loss and upgrading benefits from secondary to primary coverage.

Few companies offer kidnapping ransom, destination wedding, or school activity coverage. If these are concerns for your upcoming trip, WorldTrips can make sense over competitors that lack these protections.

Take note that rental car protection isn’t included in any plans — not even the Premier plan. It’s available for an additional cost, but this reinforces the importance of using a good credit card that provides built-in rental car protections .

When purchasing an Atlas Journey plan, this coverage is included if you purchase your plan within 21 days of your initial trip payment.

Atlas and StudentSecure plans purchased on or after February 2, 2023, include coverage for medical expenses related to COVID-19.

Comparison of WorldTrips Atlas Journey Travel Insurance Plans

There are several coverages that are the same across all 3 plans :

• Coverage for Pre-existing Medical Conditions — Included if conditions are met and policy is purchased within 21 days of initial deposit
• 24/7 Travel Assistance Services — Included
• Adventure Sports Medical Coverage — Available add-on service; average cost $44
• Pet Care — Available add-on service; average cost $10
• Rental Car Damage and Theft — Available add-on service; average cost $50
• Rental Accommodation Protection — Available add-on service; average cost $21
• School Activities Protection — Available add-on service; average cost $16
• Hunting and Fishing Protection — Available add-on service; average cost of $20

This is the most inexpensive plan but still covers the essentials. You can be reimbursed for canceled, interrupted, and delayed trips and get reimbursed for sicknesses, injuries, and even delayed bags. Numerous add-ons can improve this plan, though the cost will increase.

This intermediate plan offers more coverage and higher cover limits than the Economy plan but costs more. This plan has additional add-on options, and it’s the lowest plan with an option for CFAR coverage.

The most expensive plan also offers the most robust coverage — in terms of types and values. It’s the only plan with an option to add coverage for pre-existing conditions, though many options remain add-ons and aren’t included in this plan (such as rental car coverage).

None of the Atlas Journey plans include rental car protections. Those are available as an add-on, however.

WorldTrips provides another travel insurance plan called On-The-Go . It’s only available to U.S. residents and covers non-refundable trip costs, lost or damaged personal items (including luggage), and medical expenses (including COVID-19).

You can be covered for trip interruption, travel delays, missed connections, and emergency medical expenses. However, you won’t be covered for trip cancellation and cannot add coverage for pre-existing conditions or CFAR.

How Much Does WorldTrips Travel Insurance Cost?

Let’s price some sample plans to see how they cost. This will give you a better idea of whether these plans fit your budget.

These plans are available to U.S. residents and citizens and cover domestic and international trips.

These plans are available to residents of numerous countries and only cover international trips.

Notice there is a high additional cost for elderly travelers . Also, your maximum coverage amount is lower for people aged 60 and above.

Since Atlas Travel plans primarily focus on medical coverage, you don’t need to provide your trip cost when getting a quote. These plans can make sense if you’re OK with minimal trip protections while ensuring you’re covered for possible injuries during a trip. You can choose from several options for a maximum coverage amount and deductible payment for your claims.

These plans are focused on medical coverage during international trips. If you aren’t worried about expenses for delays or cancellations, you could potentially save money by purchasing an Atlas Travel plan. These especially make sense for last-minute trips where your odds of cancellations are low.

As these plans have maximum coverage amounts and don’t cover trip cancellation, they’re cheaper. This can be a good option if your trip is unlikely to be canceled and you want protection for your stuff and your health during a vacation. As long as you’re a U.S. resident, plans are available for both international and domestic travel.

How WorldTrips Travel Insurance Compares To Other Options

Part of shopping for trip insurance is understanding what you get and how much it costs. The other part is understanding how this compares to competitors. What are companies like Generali Global Assistance and Nationwide charging for similar plans? Here’s a comparison of costs.

We priced a 1-week itinerary for 2 travelers (ages 40 and 39) going to Colombia in November 2023. The cost for the trip was estimated at $3,000, and the first trip deposit was made in the last 24 hours. Squaremouth provided these comparison costs.

The WorldTrips plan had the middle cost of the 3 .

All 3 plans included COVID-19 coverage; all 3 provided the same trip cancellation benefits and the same medical evacuation benefits . However, WorldTrips and Nationwide had lower maximums for emergency medical benefits than Generali, and WorldTrips also had the lowest maximum benefit for trip interruption .

WorldTrips has a competitive cost against similar plans from other providers. You’ll see similar coverage types and maximum payouts in some areas. However, you’ll see lower benefits for emergency medical and trip interruption than more expensive options. Consider these numbers and how important they are.

You may be surprised that your credit card could provide some of the same travel insurance . This could help you save money by not needing to buy a separate policy.

However, when the coverage goes into effect varies. Some credit cards require you to pay for the entire trip (including round-trip tickets, not one-way) with that card to trigger the protections. Others go into effect by paying just a portion of the trip with that card. It’s important to understand exactly what your card offers and when it’s available to determine if those protections are sufficient.

Here’s a look at how WorldTrips’ Atlas Journey Premier plan compares to coverage with The Platinum Card ® from American Express , Capital One Venture X Rewards Credit Card , Chase Sapphire Preferred ® Card , and Chase Sapphire Reserve ® .

WorldTrips’ Premier plan has lower trip delay, lower lost luggage, and lower accidental death and dismemberment benefit maximums than you may get with premium credit cards. However, WorldTrips’ top plan has better baggage delay protections and offers the best protections for emergency medical and emergency evacuation.

Even before your trip, you should think about “what if something goes wrong” and have a plan. That includes buying your plan within required deadlines (based on initial and final trip payments) and keeping receipts for every expense. Keep receipts for flights, hotels, rental cars, meals during trip delays, and even a toothbrush while waiting for delayed luggage. Keep it all.

You also should read the policy documents before and after buying a plan. These will help you know precisely what is and isn’t covered. For instance, destination wedding coverage can be handy if the wedding gets called off, but the policy’s fine print will tell you you’re not covered if you’re the bride or groom.

Keeping a paper trail and knowing what is (and isn’t) covered will ensure a smoother claim process because you’ll avoid submitting unnecessary claims and will avoid unnecessary delays during the evaluation process. It also helps you know what’s covered before you swipe your card for expenses during a delay.

If you need to submit a claim, WorldTrips has a “How the claims process works” page , and it includes instructions on what to do, what forms you need, and how the claims process varies based on whether your trip was inside or outside the U.S. It also provides information on how medical facilities can direct bill WorldTrips, which can save you the hassle of paying and then waiting for reimbursement.

No one likes to think about emergencies when planning an exciting holiday. However, planning for emergencies can reduce stress and costs should something go wrong. WorldTrips offers several types of travel insurance, covering all your bases or potential medical expenses. The sheer variety of options provides more potential coverage types than many competitors.

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the baggage insurance plan benefit of the Amex Platinum card, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of the Amex Platinum card, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the premium global assist hotline benefit of the Amex Platinum card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, card members may be responsible for the costs charged by third-party service providers.

For the trip delay insurance benefit of the Amex Platinum card, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of the Amex Platinum card, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is worldtrips legit.

WorldTrips has been around since 1879 and operates in 180 countries. It’s headquartered in Houston, Texas, has excellent financial strength ratings from multiple credit rating organizations.

 How do I contact WorldTrips insurance?

In the U.S., you can call 800-605-2282. From outside the U.S., call collect to 317-262-2132.

How do I submit a claim to Worldtrips?

Within the member portal (formerly the Client Zone), you can access the claimant form, fill it out, and then upload all of your documents electronically. It’s also possible to bill WorldTrips directly for medical expenses.

How do I cancel my Worldtrips policy?

Send an email to [email protected] to cancel your travel insurance policy. You must submit your request prior to the policy’s effective date to receive a refund.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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World Nomads Travel Insurance Review 2024

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If you're looking for travel insurance that allows you to confidently participate in a wide range of sports and adventure activities around the world, then World Nomads Travel Insurance might be right for you. The company's policies cover travel to almost anywhere on the globe and are available to residents of nearly every country. 

World Nomads Travel Insurance Review

Among the best international travel insurance companies , World Nomads is particularly good at insuring athletes, covering well over 300 sports, including skydiving, bungee jumping, and golf. World Nomads is also a great last-minute purchase, allowing you to purchase coverage even after your trip has started. However, if you purchase a plan after departure, you will have to wait 72 hours before your plan kicks in.

That said, World Nomads lacks crucial coverage options, such as cancel for any reason coverage and coverage for pre-existing conditions. It also doesn't insure travelers older than 70.

Additionally the service has received middling reviews from customers, averaging 3.4 stars out of five across 2,510 reviews. Customers often complained about their lengthy claims processes and poor customer service.

Some also took issue with the "Nomads" branding, as some travelers with multiple destinations and long-term trips found their trip wasn't covered by Nomads' specific policies. It's worth noting that World Nomads was very responsive to positive and negative reviews on Trustpilot.

World Nomads Plans Available

World Nomads has two basic policies: Standard and Explorer. Each covers essentially the same things, but Explorer has higher amounts that World Nomads is willing to pay out for claims. The company's policies cover more than 150 specific activities. These range from bungee jumping and rock climbing to hang gliding and hot-air ballooning. You can see the full list on the company's website.

Additional Coverage Options (Riders)

One of the most common upgraded features of a travel insurance policy is cancel for any reason (CFAR) , where you really can cancel for reason beyond what's in a standard policy. This is not available on every policy, but it is often a feature that travelers are looking for while shopping for travel insurance before their trip. At this time, World Nomads doesn't offer CFAR coverage.

At the time of this review, World Nomads also offers sports equipment coverage. In February of 2022, it expanded coverage to include more than 150 sports and activities including Pickleball and FootGolf. It currently covers over 300 sports. So, as you can imagine, plans with sports coverage will cover virtually any sport you might play.

World Nomads Travel Insurance Cost

You can obtain a quote from World Nomads on its website by providing details about you and your trip. Be prepared to provide the following information:

• Your destination(s)
• Duration of trip
• Your country of residence
• State of residence (if you're from the US)
• Number of travelers
• Traveler(s) age

Notably, World Nomads does not ask you for the price of the trip, which many travel insurance companies factor into the trip of your policy. As such, World Nomads may be a good option if you're going on a particularly expensive trip. 

We ran a few simulations to offer examples of how much a World Nomads policy might cost. You'll see that costs usually fall between 5% and 7% of the total trip cost, depending on the policy tier you choose.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  World Nomads travel insurance quotes:

• World Nomads Standard: $76.58
• World Nomads Explorer: $123.34

Premiums for World Nomads's plans are well below the average cost of travel insurance .

World Nomads provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• World Nomads Standard: $85.83
• World Nomads Explorer: $155.06

Once again, premiums for World Nomads plans are between 2.2% and 3.8%, below the average cost for travel insurance.

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following World Nomads quotes:

• World Nomads Standard: $152.96
• World Nomads Explorer: $276.34

Premiums for World Nomads plans are between 2.6% and 4.6%, once again below the average cost for travel insurance. This is especially impressive as travel insurance is often more expensive for older travelers.

How to File A Claim with World Nomad Travel Insurance

You can start an insurance claim by filing it on the company's website. 

You can call toll-free in the US and Canada if you need to reach the company in an emergency at: (877) 289-0968.

Callers from outside the US and Canada can reach the company at: (954)-334-8143.

The email address is: [email protected]

You'll need to have the following ready to file a claim:

• Your policy number
• A contact number
• The nature of your problem
• Your location
• Prescribed medication (if any)

Make sure you keep any documents related to the claim you're filing. This includes any receipts, notices, and invoices.

Compare World Nomads Travel Insurance

World Nomads is particularly good at insuring traveling athletes, but let's see how it stacks up against the best travel insurance companies .

World Nomads Travel Insurance vs. Allianz Travel Insurance

Allianz Travel Insurance is a strong competitor against World Nomads, especially for travelers looking for a more business-oriented option. The company has been in business for more than 120 years and offers a wide range of insurance, not just travel-related, around the world.

A key difference between World Nomads and Allianz Travel Insurance is that Allianz Travel Insurance offers travel insurance that can cover multiple trips in the same year. You can take an unlimited number of trips within the same calendar year, but you do have to double-check that all of your destinations are covered by the policy you select. 

Another difference is that Allianz Travel Insurance offers pre-existing condition waivers for qualifying customers. World Nomads doesn't have the same coverage, requiring that the pre-existing condition is fully stable in order for limited coverage with respect to trip cancellations or having to end a trip early. 

Read our Allianz travel insurance review here.

World Nomads Travel Insurance vs. AIG Travel Guard

Travel Guard , a product backed by AIG Travel, is another potential alternative to World Nomads. AIG is a prominent player in the insurance industry, and the Travel Guard product represents true global coverage. 

Unlike World Nomads, Travel Guard has coverage for pre-existing medical conditions, but there are conditions. Travelers must purchase their policy within 15 days of the initial trip payment to qualify for a pre-existing condition waiver. 

Both travel insurance companies use a tiered approach, but Travel Guard has higher dollar amounts across the board. For example, trip cancellation for Travel Guard covers 100% of the trip cost, while with World Nomads the amount will depends on the tier of the coverage you purchase. Trip Interruption is also a fully covered event with Travel Guard's. Depending on the plan selected, it will either cover 100% or 150% of the trip cost. 

If you're concerned about COVID-19 coverage with trip insurance, there's more coverage with World Nomads than Travel Guard. With Travel Guard, coverage for having to stay in a country past your original booking dates is an add-on, not a standard part of the policy. 

Read our AIG Travel Insurance review here.

Compare World Nomad vs. Credit Card Travel Insurance

If you already have a major credit card in your wallet, you most likely have some travel insurance benefits that come with it. These benefits do vary from card to card. Be sure to check your card's specific policies.

Not all credit cards will feature travel insurance protection. The ones that do may have specific limitations. For example, many credit cards with travel protection require that your airfare is paid for with the card in question for protections to take effect. 

Reimbursement isn't guaranteed. The credit cards do require that you file your claim and wait for a decision. World Nomads makes it easy to file a claim online and submit receipts and documentation. The response is fairly quick based on reviews from travelers that have actually had to file claims. 

The more premium the credit card, the more likely expanded travel protections are part of its features. If you don't already have a premium credit card, it's better to get travel insurance. This is also the case if you have multiple trips planned. Some credit cards limit not just the total dollar amount, but the number of claims within a 12-month period.

Read our guide on the best credit cards with travel insurance here.

World Nomads Travel Insurance FAQs

Can i extend my world nomads policy while already traveling.

Yes, you can extend your World Nomads plan while traveling, but you cannot upgrade a standard plan to the Explorer plan. 

Does World Nomads cover COVID-19 related incidents?

World Nomads covers COVID-19 like any other illness under its emergency medical coverage.

How does the claim process work with World Nomads?

You can file a claim on World Nomads's website, over the phone, or by mail. Make sure to provide as much documentation as possible to ease the claims process. 

What adventure activities are covered by World Nomads?

World Nomads currently covers 326 sports and adventure activities, from ziplining to zorbing.

Can I purchase World Nomads insurance if I'm already traveling?

Yes, you can purchase World Nomads insurance for a trip that has already started. However, a policy purchased during your trip will have a 72-hour waiting period before insurance starts.

How We Reviewed World Nomads Travel Insurance

To prepare this review on World Nomads, we started by detailing the company's travel insurance offerings. Then we looked at the best travel insurance plans and compared them to World Nomads. We looked at things like typical policy costs, coverage options, available add-ons, what's covered, and claim limits.

You can read more about how Business Insider rates insurance products here.

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