MultiNational Underwriters

What MultiNational Underwriters does

MultiNational Underwriters operates in the travel insurance market under the WorldTrips brand, distributing travel medical insurance, trip protection, and international student insurance products primarily to U.S. and non-U.S. travelers, international students, and digital nomads. The company is a service entity within the Tokio Marine HCC group, with underwriting routed through TMHCC (CI) Insurance SPC Ltd, Houston Casualty Company, and Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). Product surface spans the Atlas Travel series (single-trip, premium, multi-trip, nomads, group), the StudentSecure four-tier international student plan, the Atlas Journey trip-cancellation line, and niche products like Atlas On-The-Go (post-departure trip interruption), Atlas Cruiser, and Atlas MedEvac. Plans are designed to satisfy specific visa and entry requirements including Schengen and U.S. visa mandates.

The underlying technology is a conventional insurance policy administration stack — online quote engines, a Member Portal for travel-medical customers, a CBP Portal for trip-protection customers, and dedicated portals for licensed insurance producers (Producer Zone) and travel agents (PAS). Plans are purchased either directly through worldtrips.com (self-serve quoting), over the phone, or through intermediary producers and travel agents compensated on commission. Pricing is quote-based and not publicly disclosed; revenue mechanics for WorldTrips-the-service-company flow from commissions/service fees on premium origination, while insurance risk and premium pass through to affiliated Tokio Marine HCC carriers.

Distribution combines a horizontal DTC funnel (quote engine, content marketing, Trustpilot social proof, and earned media — Forbes, CNBC, USA Today, NerdWallet, CNN Editor's Pick) with a parallel B2B2C intermediary channel built around the Producer Zone and PAS portals. The company holds an A++ (Superior) AM Best financial strength rating at its underwriting affiliate, was named USA Today's Best Travel Insurance Company of 2024, and reports 25+ years of operating history from its Carmel, Indiana headquarters.

Name

MultiNational Underwriters

Legal name

WorldTrips

Website

https://hccmis.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

51–100 employees

Short description

MultiNational Underwriters, operating as WorldTrips, is a Tokio Marine HCC service company that distributes travel medical, trip protection, and international student insurance products to U.S. and non-U.S. travelers, students, and digital nomads via direct, producer, and travel-agent channels.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Property and Casualty Insurance Carriers (524126)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Travel Medical Insurance (Individual) (FSAIAEAI)

akta.pro secondary industries

International Student Health & Travel Insurance (EDAIAMAA), Group Travel & Corporate Travel Accident Insurance (FSAJAJAK), Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK)

Keywords

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

Headquarters

HQ city

Carmel

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Travel Insurance Premiums: WorldTrips generates revenue through insurance premium payments collected from policyholders. Customers purchase travel insurance plans (travel medical, trip protection, student insurance) and pay premiums based on trip duration, coverage limits, traveler age, and selected plan tier. Premiums are typically paid as one-time fees per trip or as annual subscriptions for multi-trip coverage.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

MultiNational Underwriters, operating as WorldTrips, sells travel insurance products including travel medical insurance (Atlas Travel, Atlas Premium, Atlas MultiTrip, Atlas Nomads, Atlas Group), trip protection insurance (Atlas Journey, Atlas Cruiser, Atlas On-The-Go) for U.S. residents, and international student medical insurance (StudentSecure in four tiers). Policies are underwritten by Tokio Marine HCC group affiliates and distributed via direct online sales, telephone support, and licensed insurance producers and travel agents.

Product overview

WorldTrips is a travel insurance company offering a comprehensive portfolio of insurance products under the Atlas and StudentSecure brands. The core offerings include travel medical insurance plans (Atlas Travel, Atlas Premium, Atlas MultiTrip, Atlas Nomads, Atlas Group), trip protection insurance (Atlas Journey, Atlas Cruiser, Atlas On-The-Go), and international student insurance (StudentSecure with four tiers: Elite, Select, Budget, Smart). Products are designed for various traveler segments including U.S. citizens, non-U.S. citizens, international students, digital nomads, and groups. The company also offers add-on coverage like Atlas MedEvac for medical evacuation. All plans include 24/7 travel assistance services and are underwritten through Tokio Marine HCC group of companies.

Differentiator

Problem solved

Functional benefit

Brands

• Atlas Travel: Primary international travel medical insurance plan offering balanced coverage for single trips outside home country.
• Atlas Premium
• Atlas MultiTrip
• Atlas Nomads
• Atlas Group
• StudentSecure
• Atlas Journey
• Atlas Cruiser
• Atlas On-The-Go
• Atlas MedEvac

Products and services

• Atlas Travel Travel medical insurance providing balanced coverage for unexpected injury or illness while traveling outside one's home country. Designed for single trips and commonly chosen by international travelers.

Quantifiable outcome

• 24/7 multilingual travel assistance available year-round with all plans

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Travel Insured International: Travel Insured International (a Crum & Forster company) sells a portfolio of international travel medical, student, and trip protection plans that directly overlap with WorldTrips' Atlas and StudentSecure ranges, distributed via agents and direct online.
• International Medical Group (IMG): IMG sells near-identical international travel medical insurance and student health insurance products (e.g., Patriot Travel, Student Health Advantage). Most direct head-to-head competitor to WorldTrips' Atlas Travel and StudentSecure lines for outbound and inbound travelers.
• Seven Corners: Seven Corners' RoundTrip and Liaison Travel Medical series directly compete with WorldTrips' Atlas Travel/Journey products and target the same international traveler and study-abroad segments, including visa-compliant coverage.
• GeoBlue (Worldwide Insurance Services): GeoBlue specializes in international travel medical insurance for U.S. expatriates, students, and travelers. Its Voyager and Navigator plans directly compete with WorldTrips' Atlas Travel and Atlas Premium for outbound travelers and the student market.

Broad incumbents

• Generali Global Assistance (Trip Mate): Generali Global Assistance (formerly CSA Travel Protection underwrites Trip Mate products) is a major U.S. travel insurance distributor with overlapping trip protection and travel medical products, sold through similar agent/online channels.
• Berkshire Hathaway Travel Protection: Berkshire Hathaway Travel Protection (BHTP) is a major U.S. travel insurance underwriter and distributor with AirCare, ExactCare, and other flagship products overlapping with WorldTrips' Atlas Journey trip-cancellation plans.
• Allianz Travel Insurance: Allianz is the U.S. market leader in travel insurance with broad trip protection and travel medical offerings. It competes head-to-head with WorldTrips on trip cancellation and multi-trip annual plans at much larger volume.
• AIG Travel: AIG Travel offers international travel medical and trip protection products overlapping significantly with WorldTrips' portfolio. Backed by a global P&C insurer, AIG Travel competes in similar broker and direct channels.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/multinational-underwriters

Revenue estimate

Valuation estimate

Number of profiles

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 MultiNational Underwriters