WorldTrips Travel Insurance Review
Three clear plans from a Tokio Marine company rated A++. Explore and Elevate are the ones to look at. Cancel for any reason is only 50 percent here.
- Trips abroad where a strong underwriter matters: every plan is on Tokio Marine HCC, rated A++ by AM Best
- Anyone who wants big evacuation limits: Explore carries $750,000 and Elevate $1,000,000
- Anyone who likes three plans that are easy to tell apart
- Anyone who wants cancel for any reason at 75 percent, since WorldTrips pays 50 percent on the comparison
- Anyone buying Escape for a trip abroad, since its $50,000 medical is secondary and its waiver window is short
- Anyone who needs non-medical evacuation (political or natural disaster), which none of the three plans include
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| Plan | Emergency medical | Evacuation | Cancel for any reason | Waiver window |
|---|---|---|---|---|
| Atlas Journey Escape | $50,000 secondary | $250,000 | No | 13 days |
| Atlas Journey Explore | $150,000 primary | $750,000 | Add-on, 50% back | 20 days |
| Atlas Journey Elevate | $250,000 primary | $1,000,000 | Add-on, 50% back | 20 days |
Explore is the plan to price first. Elevate adds $100,000 of medical and $250,000 of evacuation for about $30 more on our test trip. Escape is a domestic plan.
Top reasons to buy
- All three plans are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company, rated A++ (Superior) by AM Best. That is the top rating on the comparison.
- Explore and Elevate carry primary medical and $750,000 or $1,000,000 of evacuation.
- Travel delay pays after five hours on Explore and Elevate, sooner than most plans.
Flaws but not dealbreakers
- Cancel for any reason pays 50 percent of the trip cost on the comparison, not the 75 percent most companies pay.
- Escape's medical is secondary and only $50,000. It is not built for a trip abroad.
- No non-medical evacuation on any plan, and Explore and Elevate cost more than Travel Insured FlexiPAX and IMG Choice on our test trips.
Bottom line
A good company with a great underwriter and two solid plans. Buy Explore or Elevate if the A++ rating and the big evacuation limits matter to you. If you want cancel for any reason, price Travel Insured or Tin Leg first, because their 75 percent beats 50.What WorldTrips sells on CoverTrip
WorldTrips is a Tokio Marine HCC company based in Carmel, Indiana, founded in 1998. It is best known for travel medical plans (Atlas Travel), and it sells trip plans under the Atlas Journey name. The comparison sells three of them.
- Escape is the budget plan. $50,000 of secondary medical, $250,000 of evacuation, interruption at 125 percent, and no cancel for any reason. The pre-existing condition waiver window is 14 days from your first deposit on WorldTrips' site; on our test trip the comparison showed 13 days.
- Explore is the mid plan and the one most people should look at. $150,000 of primary medical, $750,000 of evacuation, interruption at 150 percent, and the waiver if you buy within 21 days on WorldTrips' site (20 days on our test trip). Cancel for any reason is an add-on.
- Elevate is the top plan. $250,000 of primary medical, $1,000,000 of evacuation, bigger baggage and delay limits, same waiver window as Explore, and the cancel for any reason add-on.
What the plans cover
All three plans pay 100 percent of the trip cost if you cancel for a covered reason. Explore and Elevate pay 150 percent for interruption. Escape pays 125 percent.
Travel delay pays $2,000 per person on Explore and Elevate after five hours ($150 and $200 a day). Escape pays $500 after six hours. Baggage delay is $300 on Explore and $600 on Elevate after 12 hours. Lost bags are $1,500 on Explore and $2,500 on Elevate. Missed connection pays $1,000 on Explore and $1,500 on Elevate after three hours.
Hurricanes: all three cover a common carrier delay of 12 hours and your lodging being made uninhabitable. Explore and Elevate also cover a mandatory evacuation. You have to buy before the storm is named.
Financial default of a travel supplier is covered on Explore and Elevate after a 14-day wait if you buy within the waiver window. It is not listed on Escape. Employment layoff is covered on all three after 30 days if you have had the job for a year. Terrorism is covered on all three, at home and abroad.
Cancel for any reason
Explore and Elevate offer cancel for any reason as an add-on. On the comparison it pays 50 percent of your trip cost, and you have to buy it within the same window as the waiver. On our couple's trip to Italy it took Explore from $668 to $1,008 and Elevate from $701 to $1,034. That is a lot to pay for half your money back. If cancel for any reason is the reason you are buying, Travel Insured, Tin Leg, Seven Corners and IMG Travel LX all pay 75 percent.
Pre-existing conditions
All three plans include the pre-existing condition waiver if you buy in time and insure your full trip cost. WorldTrips says 21 days from your first deposit on Explore and Elevate, and 14 days on Escape. The comparison shows the exact last day for your trip.
What it costs
Real prices from the CoverTrip comparison on 25 September 2026, for three test trips. Your price depends on your ages, trip cost and dates.
| Plan | Couple, 65 and 63, Italy, 10 days, $8,000 | Solo, 40, Mexico, 7 days, $2,500 | Family of four, Bahamas cruise, 7 days, $6,000 |
|---|---|---|---|
| Escape | $546.00 | $90.00 | $243.00 |
| Explore | $668.00 | $114.00 | $317.00 |
| Elevate | $701.00 | $121.00 | $341.00 |
| Explore with cancel for any reason | $1,008.00 | not run | not run |
| Elevate with cancel for any reason | $1,034.00 | not run | not run |
Elevate was only $33 more than Explore on the couple's trip, for $100,000 more medical and $250,000 more evacuation. If you are buying WorldTrips, that is the better buy.
Who WorldTrips is
WorldTrips has been part of Tokio Marine HCC since 1998, a large Japanese insurance group. The trip plans are underwritten by U.S. Specialty Insurance Company, rated A++ (Superior) by AM Best. On the comparison WorldTrips has a 4.2 out of 5 customer rating from 647 reviews, a smaller number than the big sellers because most of its business is travel medical, not trip insurance.
Questions people ask
Yes. Explore and Elevate are solid plans with primary medical and big evacuation limits, on an A++ rated underwriter. The two things to know are that cancel for any reason pays 50 percent, and Escape is a domestic plan.
Escape has $50,000 of secondary medical and $250,000 of evacuation, with no cancel for any reason. Explore has $150,000 of primary medical and $750,000 of evacuation. Elevate has $250,000 of primary medical and $1,000,000 of evacuation. Explore and Elevate can add cancel for any reason.
Yes, with the waiver. Buy within 21 days of your first deposit on Explore or Elevate (14 days on Escape) and insure the full trip cost. The comparison shows the exact date.
U.S. Specialty Insurance Company, part of Tokio Marine HCC, rated A++ (Superior) by AM Best.
- The pre-existing condition waiver applies only if you buy within the window (WorldTrips says 21 days from your first deposit on Explore and Elevate, 14 days on Escape) and insure the full trip cost. The comparison shows the exact last day for your trip.
- Cancel for any reason is an add-on on Explore and Elevate only. It pays 50 percent on the comparison and must be used at least two days before you leave.
- None of the three plans include non-medical evacuation.
- You have 15 days after purchase to cancel the policy for a full refund if you have not left or filed a claim.
See WorldTrips priced for your trip, next to 20 other companies
Enter your trip once and every top plan comes back side by side, priced for your dates. Same price as buying direct.
See plans & pricesAbout 60 seconds. Nothing to sign up for.Compared with other companies
Company information
Atlas Journey Explore (most popular)
Atlas Journey Elevate
Outside the US +1-603-328-6387
ctpservice@worldtrips.com
Plan limits checked against Atlas Journey plans, Atlas Journey policy documents, WorldTrips FAQ, About WorldTrips on 25 September 2026. Limits change; the insurer's own plan document governs.
Damian TysdalDamian Tysdal is the founder of CoverTrip and a licensed travel insurance agent since 2006. He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006. About CoverTrip.