There's a World of Trips Out There. Bring Us With You. Let's Go.
Travel can represent financial risk. No matter your destination, there’s always a chance you could face an unanticipated cancellation, interruption, mishap, or emergency.
WorldTrips offers travel insurance and travel assistance services to guide you through the unexpected and help ease your stress. We enable travelers to explore the world with confidence.
- A partner when you need it. Contact us anytime and from anywhere. Our multilingual customer support team is on call 24/7 to answer your questions if an emergency arises.
- A plan to fit you. Choose from several different types of travel insurance with varying coverage levels and optional upgrades to create personalized coverage for your trip.
- Proof of coverage. Proof of coverage will be delivered to you immediately upon purchase. Easily access your insurance card and visa letter to prove you have coverage throughout your entire trip.
What Does Travel Insurance Cover?
The answer to “What does travel insurance cover?” depends on the specific policy you choose. That’s why it’s important to read the policy documents for any plan you’re considering. However, most travel insurance plans provide coverage for expenses related to travel disruptions and unexpected cancellations.
Your Trip Cancellation benefit means that you would be reimbursed for prepaid, nonrefundable trip costs if you were to cancel your trip due to a covered reason. Covered reasons often include situations like sickness, injury, hospitalization, death, a delay or cancellation of your flight or cruise due to inclement weather or strike, a traffic accident on your way to your departure, and more.
Many plans include coverage if you were to lose an item or have your luggage stolen, damaged, or delayed. Some travel insurance plans, like the Atlas Journey® plans from WorldTrips, also include medical coverage for unexpected injuries and illnesses, coverage for medical evacuation and repatriation of remains, and coverage for accidental death and dismemberment.
Look for a plan that includes travel assistance services as well. Services like 24/7 emergency travel arrangements, language interpretation, referrals, and assistance with lost or stolen travel documents can help guide you through a stressful situation or emergency.
See the 24/7 travel assistance services available when you purchase Atlas Journey travel insurance
What Does Travel Insurance NOT Cover?
Every insurance policy is different. Benefits, while often similar, do vary from plan to plan. Coverage maximums and the conditions in which benefits apply vary too.
When you opt for a travel insurance policy, be sure to do your homework before selecting a policy. Double-check the policy exclusions verbiage and the specific conditions for the benefits that are most important to you in order to confirm that you are receiving the features and benefits that you want based on your selected plan.
When it comes to knowing what travel insurance does not cover, the answer will depend on the policy. However, some common exclusions include:
- Charges resulting from a *pre-existing condition, unless the plan includes a waiver of the pre-existing condition exclusion and you qualify for this waiver
- Traveling against the advice of your doctor or other health care providers
- Participating in contact sports and extreme sports excluded under your policy
*The definition of a pre-existing condition can vary slightly from plan to plan, so be sure to review the definition for any plan you are considering. In the case of Atlas Journey, a pre-existing condition means:
An illness, disease, or other condition during the 90-day period immediately prior to your effective date of coverage for which you:
- received a test, examination, or medical treatment;
- received a recommendation for a test, examination, or medical treatment; or
- took or received a prescription for drugs or medicine.
Item (3) above does not apply to a condition which is treated or controlled solely through the taking of prescription medication and remains treated or controlled without any adjustment or **change in the required prescription throughout the 90-day period before your coverage effective date.
**Change in required prescription means the dosage or frequency of a medication has been increased, reduced, stopped, and/or new medications have been prescribed due to the worsening of an underlying condition that's being treated with the medication, unless the change is:
- between a brand name and a generic medication with comparable dosage; or
- an adjustment to insulin or anti-coagulant dosage.
When Should You Get Travel Insurance?
There is some flexibility when it comes to the timing of your travel insurance purchase. For example, most trip cancellation plans allow you to purchase several weeks or sometimes months ahead of your departure—up to the day before you depart on your trip.
Because many travel insurance plans provide cancellation coverage, you cannot purchase on the day you depart or after you’ve departed.
However, there are some benefits, such as Trip Cancellation for Any Reason (CFAR), that are no longer available to you after a certain point. For example, most policies require you to purchase your plan within 21 days of the date you made your first payment toward your trip if you wish to add a CFAR benefit, and you may be required to purchase more than 48 hours ahead of your departure date for this benefit upgrade.
Should I Get Travel Insurance That Covers COVID-Related Expenses?
The Trip Cancellation benefit included in travel insurance plans can save you money and provide support in stressful situations, like you getting sick or being hospitalized due to COVID-19 and your doctor advising you not to travel. Illness that prevents you from traveling is a valid covered reason for cancellation under many travel insurance policies, including Atlas Journey, so your prepaid and nonrefundable trip expenses could be covered.
Some plans, like Atlas Journey, also provide coverage for eligible medical expenses related to COVID-19 the same as any other illness.
Read the policy documents of any plan you’re considering carefully to see what travel insurance COVID coverage is provided. Reach out to the insurance company if you have unanswered questions.
Cancel for Any Reason Travel Insurance
Looking for cancel for any reason travel insurance? Find a policy like our Atlas Journey Elevate and Atlas Journey Explore plans that offers an optional Trip Cancellation for Any Reason (CFAR) benefit. This benefit can reimburse you if you cancel your trip due to a reason not already covered under the policy’s Trip Cancellation benefit.
If you’re interested in cancel for any reason travel insurance for COVID-related reasons, rest assured that your CFAR benefit could reimburse you for a situation like you canceling your trip due to fears of increasing COVID cases in your destination.
Because this type of policy upgrade provides coverage for so many different situations, there are some requirements you must follow to use the benefit. For example, some policies require you to cancel your trip at least 2 days prior to your departure date. That’s why it’s important to read all the benefit conditions and exclusions.