Updated September 28, 2026 · SumCue Editorial Team
TIPINSURE vs WorldTrips
TIPINSURE
WorldTrips
Higher score in this comparison
TIPINSURE vs WorldTrips: the differences
| Compare | TIPINSUREReviewVisitVisit | WorldTripsReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illnessCovers more | Travel |
| Cover limit | 500,000 THB | USD 2,000,000 overall maximum (Atlas Travel) |
| Claims channels | Phone, App, Online | Member Portal (DocuSign), Mail, Fax, Email, Phone |
| Age range | 20-60, renewable to 64 | 14 days old and over; applicants over age 80 limited to a $10,000 policy maximum |
| Premium from | THB 699 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | $0 to $5,000 |
Same on both: Provider type (Insurer).
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Key differences
- WorldTrips scores higher overall: 9.3 vs 9.2.
- Founded is lower at TIPINSURE: 1951 vs 1998.
- Insurance types: only TIPINSURE offers Auto, Home, Health.
- Claims channels: only TIPINSURE offers App, Online.
- Claims channels: only WorldTrips offers Member Portal (DocuSign), Mail, Fax.
- Support channels: only TIPINSURE offers Chat.
- Support channels: only WorldTrips offers Email.
Our verdict on each
TIPINSURE
TIPINSURE suits households in Thailand who want one insurer for auto, home, travel, health, pet, motorcycle and critical illness cover. Premiums start at THB 699 and can be paid monthly, though the price sits well back in the field. TIPINSURE Public Company Limited is an insurer founded in 1951.
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 | TIPINSURE | WorldTrips |
|---|---|---|
| Cost | 8.9Monthly premiums start at THB 699 and pay monthly, but the insurer sits at 173 of 251 on price. | 9.6HigherCost turns on the excess, which runs $0 to $5,000, and the plan limit you pick. |
| Offer | 9.2Higher | 9.1 |
| Trust | 9.5Higher | 9.3 |
Which one suits you
Pick TIPINSURE if insurance types matter most.
Pick WorldTrips if cost matter most.
Where each is licensed and available
| Country | TIPINSURE | WorldTrips |
|---|---|---|
| United States | Not confirmed |
Additional countries for TIPINSURE: 1. Additional countries for WorldTrips: 1.
Where these facts come from
TIPINSURE
- dhipaya.co.th: 5 facts, checked September 26, 2026
- tipinsure.com: 4 facts, checked September 26, 2026
- ft.tipinsure.com: 3 facts, checked September 26, 2026
WorldTrips
- worldtrips.com: 11 facts, checked September 26, 2026
How they place
| Ranking | TIPINSURE | WorldTrips |
|---|---|---|
| Insurance | 26 of 627 | 22 of 627 |
| Travel insurance | 15 of 278 | 14 of 278 |
Every fact side by side
| Fact | TIPINSURE | WorldTrips |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | TIPINSURE Public Company Limited | WorldTrips Insurance Services |
| Headquarters | Thailand | United States |
| Founded | 1951Lower | 1998 |
| Support channels | Phone, Chat, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | TIPINSURE | WorldTrips | Median |
|---|---|---|---|
| Premium from | THB 699above the median | Not confirmed | THB 543 |
| Excess from | Not confirmed | $0 to $5,000below the median | $100 |
Median across 31 listed providers.
Pros and cons
TIPINSURE
Pros
- One insurer covers auto, home, travel, health, pet, motorcycle and critical illness: auto, home and travel
- Monthly payments are available, not yearly only
- Claims run on phone, app and online: phone, app and online
Cons
- The starting premium of THB 699 ranks 173 of 251, so it is not the cheapest entry price
- Critical illness cover limit is 500,000 THB and the entry age band is 20-60, renewable to 64, which narrows who can be covered
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
TIPINSURE
Who it suits
- Households in Thailand insuring a car, home, pet and travel in one place
- Drivers and motorcyclists who want monthly premiums rather than a yearly payment
- Adults building health cover alongside a critical illness policy
Who should look elsewhere
- Shoppers wanting the lowest entry premium, since the price ranks 173 of 251
- Anyone seeking a protection scheme or deposit protection, as no scheme appears for this insurer
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
TIPINSURE
Current offer
Bonus
TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht
Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years
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 | TIPINSURE | WorldTrips |
|---|---|---|
| Thailand | Yes | No |
| United States | No | Yes |
Questions about each
TIPINSURE
What does TIPINSURE actually insure?+
TIPINSURE covers auto, home, travel, health, pet, motorcycle and critical illness, listed as auto, home and travel. That range means motor, property and health needs can sit with one provider. It acts as an insurer in its own right, so policies are arranged with the company rather than through a broker.
How much does a TIPINSURE policy cost?+
The entry premium is THB 699 on the fire product. Across the site the median starting premium is €8.31 and the upper quartile reaches €29.72, so the real figure depends on the line and the risk. TIPINSURE ranks 173 of 251 on starting premium.
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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