WorldTrips

What WorldTrips does

WorldTrips is a U.S.-based travel insurance provider that designs, markets, and distributes a portfolio of travel medical and trip protection insurance products to individual consumers, international students, digital nomads, groups, and enterprise partners. Founded in 1998–1999 and headquartered in Carmel, Indiana, the company operates as a wholly-owned subsidiary of Tokio Marine HCC (HCC Insurance Holdings, Inc.), with insurance underwriting provided through Tokio Marine HCC's regulated entities — TMHCC (CI) Insurance SPC Ltd, Houston Casualty Company, and U.S. Specialty Insurance Company. Its product portfolio includes the Atlas Travel Series (Atlas Travel, Atlas Premium, Atlas America, Atlas MultiTrip, Atlas Nomads, Atlas Group), the Atlas Journey trip protection line (Elevate, Explore, Escape, Atlas Cruiser, Atlas On-The-Go), and the StudentSecure suite for international students.

The company operates a cloud-based insurance technology platform featuring a Member Portal (with Okta multifactor authentication) for policy management, DocuSign-integrated electronic claims submission and appeals, and integrations with Air Doctor for global telehealth/local medical provider access and the UnitedHealthcare PPO network for U.S. in-person care. Distribution is multi-channel: direct-to-consumer online self-serve via quote.worldtrips.com (with dedicated quoters for four customer personas), licensed producer and travel agent portals (zone.worldtrips.com and pas.worldtrips.com), toll-free phone sales (1-800-605-2282), and strategic partnerships such as Azamara Cruises.

WorldTrips generates revenue primarily through insurance premiums collected at point of purchase — recurring subscription-style premiums for annual multi-trip and student plans, and one-time premiums for single-trip medical and trip protection plans. Pricing varies by trip duration, destination, traveler age, coverage limits, and deductible selection (e.g., Atlas MultiTrip ranges from $193–$323 annually). The company's competitive positioning is anchored by its underwriting entity's A++ (Superior) AM Best financial strength rating — claimed as unique among top-8 travel insurers — along with 25+ years of operating history and recent recognition from USA Today, CNN Underscored, and U.S. News & World Report.

Name

WorldTrips

Legal name

WorldTrips

Website

https://worldtrips.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

WorldTrips is a U.S.-based travel insurance provider offering travel medical and trip protection plans (Atlas Travel, Atlas Journey, StudentSecure) to individual travelers, international students, digital nomads, and enterprise partners such as Azamara Cruises, operating as a Tokio Marine HCC subsidiary.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Travel Medical & Health Insurance Platforms (THALALAC)

akta.pro secondary industries

Travel Medical Insurance (Individual) (FSAIAEAI), Medical Travel Insurance (Emergency Medical, Evacuation & Repatriation) (FSAJAJAB), International Student Health & Travel Insurance (EDAIAMAA)

Keywords

• Travel medical insurance
• Trip protection insurance
• International student insurance
• Trip cancellation coverage
• Travel assistance services

Headquarters

HQ city

Indianapolis

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Travel Medical Insurance Premiums: WorldTrips generates revenue through annual and single-trip travel medical insurance premiums for international travelers, including Atlas Travel, Atlas Premium, Atlas Group, Atlas MultiTrip, Atlas Nomads, and StudentSecure plans. Revenue is collected at point of purchase with various payment options including monthly installments for some plans.
2. Trip Protection Insurance Premiums: Revenue from trip cancellation and interruption insurance products including Atlas Journey (Elevate, Explore, Escape), Atlas Cruiser, and Atlas On-The-Go plans, which protect U.S. travelers' prepaid non-refundable trip expenses.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels12 records

Core offering

WorldTrips underwrites and distributes a portfolio of travel medical insurance and trip protection insurance plans for international and domestic travelers. Products include Atlas Travel, Atlas Premium, Atlas America, Atlas MultiTrip, Atlas Nomads, Atlas Group, Atlas Journey (with Elevate, Explore, Escape tiers), Atlas Cruiser, Atlas On-The-Go, and StudentSecure (Elite, Select, Budget, Smart), all delivered with 24/7 multilingual travel assistance and access to global medical provider networks.

Product overview

WorldTrips offers a comprehensive portfolio of travel insurance products organized around two main categories: travel medical insurance and trip protection insurance. The core travel medical offerings include Atlas Travel® (balanced single-trip coverage), Atlas Premium™ (enhanced benefits with higher limits), Atlas America (U.S. visitor coverage), Atlas MultiTrip® (annual multi-trip plan), Atlas Nomads™ (digital nomad coverage), and Atlas Group® (group discounts). The trip protection line includes Atlas Journey® (with Elevate, Explore, Escape variants and optional CFAR), Atlas On-The-Go® (post-departure interruption coverage), and Atlas Cruiser (cruise-specific). Student insurance is served through StudentSecure® with four tier levels. All plans include 24/7 travel assistance services. The company operates exclusively through its website and Member Portal platform.

Differentiator

Problem solved

Functional benefit

Brands

• Atlas Travel: International travel medical insurance plan with balanced coverage for travelers outside their home country
• Atlas Premium
• Atlas MultiTrip
• Atlas Nomads
• Atlas Group
• Atlas Journey
• Atlas Cruiser
• Atlas On-The-Go
• Atlas America
• StudentSecure

Products and services

• Atlas Travel Primary international travel medical insurance plan providing balanced coverage for unexpected injury or illness, emergency medical evacuation, COVID-19-related expenses, trip interruption, and travel assistance outside the traveler's home country. Policyholders choose deductibles from $0 to $5,000 and overall maximum limits from $50,000 to $2,000,000 (age-based).
• Atlas Premium Enhanced travel medical insurance plan with the same benefits as Atlas Travel plus higher built-in coverage limits for Accidental Death and Dismemberment, Crisis Response, and Personal Liability. Available limits up to $2,000,000 for eligible ages and an optional device protection add-on up to $2,000.
• Atlas America Travel medical insurance variant of Atlas Travel designed for non-U.S. citizens traveling to the United States, satisfying J-1 visa requirements and providing coverage for visitors and accompanying family members.
• Atlas MultiTrip Annual multi-trip travel medical insurance plan providing continuous coverage across multiple international journeys under one policy. Available in 30-day or 45-day per-trip options with emergency medical coverage, trip interruption, baggage protection, and 24/7 travel assistance; priced at $193-$323 annually.
• Atlas Nomads Flexible travel medical insurance plan for non-U.S. citizens working remotely outside their home country, providing medical protection for unexpected injury or illness while abroad with overall maximums up to $250,000 for under-65 travelers and $100,000 for ages 65-69.
• Atlas Group Group travel medical insurance plan delivering the same benefits and services as Atlas Travel for groups of five or more travelers at a 10% reduced rate.
• Atlas Journey Trip protection insurance plans available in Elevate, Explore, and Escape tiers exclusively for U.S. residents, covering trip cancellation, interruption, medical coverage, and travel assistance. Elevate and Explore tiers offer an optional Cancel For Any Reason (CFAR) add-on.
• Atlas On-The-Go Trip interruption insurance that can be purchased on the day of departure or even after a trip has begun, with coverage starting the next day for covered trip interruptions. Available exclusively to U.S. residents.
• Atlas Cruiser Trip protection insurance product in the Atlas Journey family tailored specifically for cruise vacations, covering cancellations, interruptions, and related cruise-specific risks.
• StudentSecure International student medical insurance available in four coverage tiers (Elite, Select, Budget, Smart) designed to align with student visa standards. Coverage includes medical expenses, emergency evacuation, maternity (Elite/Select/Budget), organized sports (Elite/Select up to $5,000), mental health, and acute onset of pre-existing conditions, with monthly installment payment options.
• Voyager Travel Protection Travel insurance product offered through the Azamara Cruises partnership as the preferred provider for U.S. customer services, covering trip cancellations, interruptions, delays, medical emergencies, baggage issues, and travel assistance services.

Quantifiable outcome

• A++ (Superior) AM Best financial strength rating - highest among top 8 travel insurance providers
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• Azamara CruisescoreChannel Partner/ Reseller/ Distributor · 5 February 2026WorldTrips has been named as the preferred travel insurance provider for Azamara Cruises' US customer services. WorldTrips will offer its Voyager Travel Protection product to US travelers during the cruise booking process. The product includes coverage for trip cancellations, interruptions, delays, medical emergencies, baggage issues, and access to travel assistance services.
• Air DoctorcoreTechnology or IntegrationAir Doctor provides WorldTrips customers access to a network of vetted local medical providers worldwide, including in-clinic visits, telehealth video consultations, and in-home/hotel appointments for medical care outside the U.S.
• UnitedHealthcarecoreTechnology or IntegrationWorldTrips customers have access to the UnitedHealthcare PPO network for in-person medical visits within the U.S., allowing presentation of ID cards at thousands of network providers nationwide.
• Tokio Marine HCCcoreStrategic or Co-development PartnerWorldTrips is a member of the Tokio Marine HCC group of companies. Atlas Travel Series and StudentSecure products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company. Atlas Journey trip protection products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• International Medical Group (IMG): IMG underwrites and distributes international travel medical insurance and global health plans to individuals, students, and missionaries. It is the closest direct competitor to WorldTrips' Atlas Travel and StudentSecure product lines, sharing the same customer base of outbound international travelers and international students.
• Seven Corners: Seven Corners specializes in travel medical insurance and trip protection plans for international travelers, students, and visitors to the U.S. Its Liaison/Reside product portfolio directly overlaps with WorldTrips' Atlas America and Atlas Nomads offerings.
• GeoBlue: GeoBlue provides international travel medical insurance and expatriate health plans, often through employer-sponsored programs. Comparable to WorldTrips' international travel medical coverage, with similar global provider networks and direct-to-consumer online quoting.
• World Nomads: World Nomads is a travel insurance provider targeting backpackers, adventure travelers, and digital nomads. Its product positioning is similar to WorldTrips' Atlas Nomads, with comparable online self-serve purchasing and adventure-sport riders.

Broad incumbents

• Allianz Travel Insurance: Allianz Travel is the U.S. market leader in travel insurance, offering trip cancellation, travel medical, and packaged plans through a broad distribution network. It overlaps with WorldTrips' Atlas Journey trip protection line and competes in the same media-driven comparison-shopping environment.
• AIG Travel: AIG Travel offers international travel medical and trip protection insurance to consumers and corporate clients as part of its broader general insurance portfolio. It competes directly with WorldTrips on both travel medical and trip cancellation products.
• Generali Global Assistance: Generali Global Assistance sells travel insurance (trip protection and travel medical) under the Generali/Insurance brand alongside its broader assistance services business. It directly overlaps with WorldTrips' Atlas Journey and Atlas Travel lines through similar distribution channels.

Emerging players

• VisitorsCoverage: VisitorsCoverage is a digital marketplace and emerging provider specializing in U.S. visitor insurance (similar to Atlas America) and inbound international student coverage. It competes in WorldTrips' non-U.S. citizen segment through an AI-driven online quote experience.

Others

• Squaremouth: Squaremouth is a U.S. travel insurance comparison marketplace that distributes policies from WorldTrips and competitors. It is an ecosystem participant that affects WorldTrips' customer acquisition channel and pricing transparency dynamics.
• InsureMyTrip: InsureMyTrip is a leading travel insurance comparison aggregator distributing policies from WorldTrips alongside competitors. Like Squaremouth, it shapes WorldTrips' competitive pricing and distribution economics rather than competing head-to-head on underwriting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/worldtrips1
• Facebookfacebook.com/hccmis
• LinkedInlinkedin.com/company/hcc-medical-insurance-services
• Pinterestpinterest.com/hccmis

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about WorldTrips