Updated September 29, 2026 · SumCue Editorial Team
MyPhysicianPlan vs WorldTrips
MyPhysicianPlan
WorldTrips
Higher score in this comparison
What sets them apart
| Compare | MyPhysicianPlanReviewVisitVisit | WorldTripsReviewVisitVisit |
|---|---|---|
| Insurance types | Health, TravelCovers more | Travel |
| Provider type | Broker | Insurer |
| Cover limit | $50K-$200K | USD 2,000,000 overall maximum (Atlas Travel) |
| Age range | up to 99 years | 14 days old and over; applicants over age 80 limited to a $10,000 policy maximum |
| Premium from | $75 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | $0 to $5,000 |
| Claims channels | Not confirmed | Member Portal (DocuSign), Mail, Fax, Email, Phone |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- WorldTrips scores higher overall: 9.3 vs 8.7.
- Insurance types: only MyPhysicianPlan offers Health.
Our verdict on each
MyPhysicianPlan
MyPhysicianPlan suits travellers seeking cover across health and travel through a broker setup shown as broker with monthly payments available, with premiums starting at $75. Cover limits run $50K-$200K with eligibility described as up to 99 years, while support runs on phone only, so expectations around contact should be set before applying.
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 | MyPhysicianPlan | WorldTrips |
|---|---|---|
| Cost | 8.7Premiums start at $75 with monthly payments available for budgeting | 9.6HigherCost turns on the excess, which runs $0 to $5,000, and the plan limit you pick. |
| Offer | 8.4Cover spans health and travel with limits of $50K-$200K for medical needs | 9.1Higher |
| Trust | 8.8Operated by MyPhysicianPlan, Inc. based in US with phone contact | 9.3Higher |
Choosing between them
Pick MyPhysicianPlan if insurance types matter most.
Pick WorldTrips if cost, offer, and trust matter most.
What we checked
MyPhysicianPlan
- myphysicianplan.com: 7 facts, checked September 29, 2026
WorldTrips
- worldtrips.com: 11 facts, checked September 26, 2026
How they place
| Ranking | MyPhysicianPlan | WorldTrips |
|---|---|---|
| Insurance | 2 of 627 | 22 of 627 |
| Travel insurance | 1 of 278 | 14 of 278 |
Every fact side by side
| Fact | MyPhysicianPlan | WorldTrips |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Not confirmed | WorldTrips Insurance Services |
| Headquarters | Not confirmed | United States |
| Founded | Not confirmed | 1998 |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | MyPhysicianPlan | WorldTrips | Median |
|---|---|---|---|
| Premium from | $75highest quarter | Not confirmed | $11 |
| Excess from | Not confirmed | $0 to $5,000below the median | $100 |
Median across 53 listed providers.
Pros and cons
MyPhysicianPlan
Pros
- Cover across health and travel keeps health and travel protection under the same broker arrangement
- Cover limits of $50K-$200K give a clear ceiling for planning treatment costs abroad
- Eligibility described as up to 99 years accommodates mature travellers who face tighter age rules elsewhere
Cons
- Support runs on phone only, which limits choice if you prefer chat or email contact
- Cover focuses on health and travel only, so households wanting auto or home cover may prefer AXA
- Premiums start at $75, which sits above TravelSecure at €5 for trip only needs
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
MyPhysicianPlan
Who it suits
- Travellers wanting health plus travel cover in health and travel rather than life cover from Polizza Vita con Bonus
- People who value monthly payments and phone contact via phone over chat led service from AXA
Who should look elsewhere
- Households seeking life cover should consider Polizza Vita con Bonus, which focuses on life rather than health and travel
- Trip only buyers sensitive to entry price may prefer TravelSecure at €5 rather than MyPhysicianPlan at $75
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
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 | MyPhysicianPlan | WorldTrips |
|---|---|---|
| United States | Yes | Yes |
Questions about each
MyPhysicianPlan
How much does MyPhysicianPlan cost to start?+
Premiums start at $75 for MyPhysicianPlan cover. The exact amount you pay will depend on the plan options selected, the level of cover chosen and personal circumstances. Monthly payments are available, which can help spread the cost rather than requiring payment in a lump sum.
Can I pay for MyPhysicianPlan in instalments?+
Monthly payments are available with MyPhysicianPlan, which suits travellers who prefer to budget through regular instalments. This structure aligns with its monthly model and can make planning medical and travel protection more predictable. Terms around billing dates and plan changes should be checked before applying.
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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