Updated September 28, 2026 · SumCue Editorial Team
Compass vs WorldTrips
Compass
Higher score in this comparison
WorldTrips
Compass vs WorldTrips: the differences
| Compare | CompassReviewVisitVisit | WorldTripsReviewVisitVisit |
|---|---|---|
| Insurance types | Home, Home emergency, Health, Travel, PetCovers more | Travel |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Online portal, Post | Member Portal (DocuSign), Mail, Fax, Email, Phone |
| Age range | 18+ (resident in Italy) | 14 days old and over; applicants over age 80 limited to a $10,000 policy maximum |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | $0 to $5,000 |
| Cover limit | Not confirmed | USD 2,000,000 overall maximum (Atlas Travel) |
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Key differences
- Compass scores higher overall: 9.4 vs 9.3.
- Founded is lower at Compass: 1960 vs 1998.
- Insurance types: only Compass offers Home, Home emergency, Health.
- Claims channels: only Compass offers Online portal, Post.
- Claims channels: only WorldTrips offers Member Portal (DocuSign), Mail, Fax.
- Support channels: only WorldTrips offers Email.
Our verdict on each
Compass
Compass is a bank-direct lender for Italian residents, and it is a poor fit for you if you need to check rates without a hard credit check. hard stands, and 7.38% to 15.84% sits well under the 15.5% typical of the wider market, with free early repayment on every loan.
WorldTrips
WorldTrips is a US insurer aimed at expats, selling travel medical cover where the largest plan pays USD 2,000,000 overall maximum (Atlas Travel). Support runs on email, phone and help centre and claims on Member Portal (DocuSign), mail and fax, so it suits people who want direct cover with a big ceiling.
Score breakdown
| Area | Compass | WorldTrips |
|---|---|---|
| Cost | 9.2 | 9.6HigherCost turns on the excess, which runs $0 to $5,000, and the plan limit you pick. |
| Offer | 9.2HigherFixed-rate loans of €1,000 to €30,000 over 24 to 96, with 0 EUR for online loans from 1,000 to 5,000 EUR for online loans. | 9.1 |
| Trust | 9.6Higher | 9.3 |
Which one suits you
Pick Compass if trust and insurance types matter most.
Pick WorldTrips if cost matter most.
How they place
| Ranking | Compass | WorldTrips |
|---|---|---|
| Insurance | 14 of 627 | 22 of 627 |
| Travel insurance | 7 of 278 | 14 of 278 |
Every fact side by side
| Fact | Compass | WorldTrips |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Compass Banca S.p.A. | WorldTrips Insurance Services |
| Headquarters | Italy | United States |
| Founded | 1960Lower | 1998 |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Credit cards
| Fact | Compass | WorldTrips |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| APR | 7.38% to 15.84% | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rewards rate | Cashback Base on spending above a minimum threshold | Not confirmed |
| Perks | No annual fee, Stamp duty paid by Compass, Paper and digital statement at EUR 0, Initial credit line of EUR 1,500, Issued and activated directly in branch, Visa circuit with contactless and 3D Secure, Apple Pay and Google Pay, Free SMS transaction alerts, Free 24/7 card blocking number | Not confirmed |
| Card kind | Credit | Not confirmed |
Where each stands against the rest
| Fact | Compass | WorldTrips | Median |
|---|---|---|---|
| Excess from | Not confirmed | $0 to $5,000below the median | $100 |
Median across 31 listed providers.
Pros and cons
Compass
Pros
- 0 EUR for online loans from 1,000 to 5,000 EUR for online loans of €1,000 to €30,000
- same day funding is listed, and existing app customers get a fast decision
- Free early repayment is offered, as 79.4% of the market does
Cons
- hard means applying can leave a mark on the credit file
- phone and help centre are listed, so there is no live chat on the loan side
- 7.38% to 15.84% tops out at more than twice the 7.85% low end seen across the market
WorldTrips
Pros
- It is the insurer itself rather than a broker or a comparison site (insurer).
- The largest plan pays USD 2,000,000 overall maximum (Atlas Travel), a high ceiling for a medical bill abroad.
- Claims can be filed on Member Portal (DocuSign), mail and fax, including a Member Portal with DocuSign.
Cons
- The range is travel only, so there is no auto, home or life cover here.
- Applicants past a certain age are capped at a much smaller policy maximum, so older travellers get a thinner ceiling.
- Support runs on email, phone and help centre only, with no live chat or branch counter.
Who each suits
Compass
Who it suits
- Italian residents in their adulthoods looking for fixed rate pricing
- People consolidating existing debts, since personal and debt consolidation are listed
- Branch customers who also want a credit card with €0
Who should look elsewhere
- Anyone who wants a soft check, because hard
- Borrowers outside Italy, since Italian or foreign citizen aged 18 to 82, resident in Italy requires residence in Italy
- Those who want live chat, because phone and help centre cover phone and a help centre only
WorldTrips
Who it suits
- Expats and people relocating who need medical costs covered away from home.
- Travellers who want a high benefit ceiling and a direct insurer to deal with.
- Anyone who prefers a US insurer holding a California non-resident producer licence.
Who should look elsewhere
- Linxea, which covers life and is the pick if you want life cover rather than expat medical.
- Euroasia Insurance, which covers auto, home and travel, if you need auto or home cover alongside travel.
- Oney Préstamos ES, which covers health, life and gadget, if health or gadget cover at home is the real need.
Current offers
Compass
Current offer
Bonus
Spese di istruttoria azzerate (Prestito Online): 0 EUR origination fee on online loans from 1,000 to 5,000 EUR
Perfezionamento via web della richiesta di Prestito Online; offer validity dates not displayed on the page
Source, checked September 26, 2026
WorldTrips
Current offer
Discount code
Bundle of 3 optional upgrades (Crisis Response, Personal Liability, Accidental Death and Dismemberment)
Optional upgrades bought at checkout on Atlas Travel or Atlas Premium
Source, checked September 26, 2026
Discount code
Atlas Group reduced rate for groups of 5 or more: 10% reduced rate
Groups of 5 or more on the Atlas Group plan
Source, checked September 26, 2026
Country by country
| Country | Compass | WorldTrips |
|---|---|---|
| Italy | Yes | No |
| United States | No | Yes |
Questions about each
Compass
What rate will I pay on a Compass personal loan?+
Loans are fixed rate at an APR of 7.38% to 15.84%, and the rate you get depends on your profile. The example on file shows 7.38% to 15.84% against a fixed nominal rate, with equal monthly instalments across the term. Early repayment is free, so paying the loan off sooner costs nothing extra.
Is there an arrangement fee on a Compass loan?+
Online loans carry 0 EUR for online loans from 1,000 to 5,000 EUR. Larger amounts may be handled as a branch arrangement, where the fee is quoted separately on the offer. The credit card is a different product and its €0 is separate again.
WorldTrips
What does WorldTrips actually insure?+
WorldTrips is an insurer rather than a broker or a comparison site, and it sells one line of cover: travel medical insurance aimed at expats. That means medical care and treatment abroad, not your car, your home or your belongings. It has been trading since 1998 and is based in the US.
How much would a serious claim pay out?+
The largest plan sets an overall ceiling of USD 2,000,000 overall maximum (Atlas Travel), so a major hospital bill abroad is not the thing that limits you. Smaller plans sit lower. You meet the excess first, which runs $0 to $5,000 depending on the plan, before the insurer starts paying the cost.
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