WorldTrips Travel Insurance

Yes, Tokio Marine HCC rebranded their visitors travel insurance division to WorldTrips in 2021. Worldtrips Insurance is still a well-known member of the Tokio Marine HCC group of companies.

WorldTrips Travel insurance plans do offer acute onset of a pre-existing condition benefit. You an find the full definition on the policy wording listed on WorldTrips plans including VisitorSeure and Atlas Travel.

See definition below for Acute Onset of Pre-Existing Conditions for Atlas Travel:

Subject to all other terms, conditions and limitations of this Master Policy, in the event you experience an acute onset of a pre-existing condition during the certificate period for which immediate treatment is essential and necessary to stabilize the pre-existing condition, this Master Policy will cover eligible medical expenses incurred during the certificate period with respect to an acute onset of the pre-existing condition provided that at the time of the acute onset of a pre-existing condition provided that the time of the acute onset of a pre-existing condition. The benefit will apply only if all of the following conditions are met:

• The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
• Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
• You must be under eighty (80) years of age;
• You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
• You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
• You must be traveling outside your Home Country

Yes, Covid-19 is covered liked any other sickness or illness that can occur.

WorldTrips Insurance plans are underwritten by Lloyd's of London, AM Best Rating : A.

WorldTrips is a very reputable American Insurance company that is a member of the Tokio Marine HCC group of companies a worldwide company operating in over 180 countries, leading the world’s specialty insurers.

To cancel a policy, you can send a cancelation request via your client zone portal. Here is the link to member portal.

Premiums will be refunded in full if a cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions:

• A $25 cancellation fee will apply for administrative costs incurred by us; and
• Only the prorated portion of the premium will be refunded; and
• You cannot have filed any claims to be eligible for a premium refund.

To file a claim, you can submit claim form and medical bills via your client zone portal.
Here is the link to member portal. You can also check your member portal for status of claims as well.

For students in study abroad programs, WorldTrips does offer a student plan called Student Secure Insurance. Student Secure health plan is designed specifically to meet the needs of international students and scholars. StudentSecure meets or exceeds most government and visa requirements.

You can purchase and WorldTrips plan for up to 1 year (364 days) including Atlas Travel Series and VisitorSecure plan. Worldtrips Travel Insurance also offers group insurance plan called Atlas Group. You can learn more about this plan here Atlas Travel Group