WorldTrips review

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.

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.

WorldTrips is an insurer based in the US and holds a California non-resident producer licence, listed as 0G39705. Your premium goes to the underwriting company named on the policy rather than to a comparison site. Read the wording to see which company sits behind your plan.

Applicants need to meet a minimum age, and anyone past a certain age is limited to a much smaller policy maximum. The product is aimed at expats, so it is built around people living or working abroad rather than short domestic trips. If you are an older traveller, price the lower ceiling before you commit.

Claims run on Member Portal (DocuSign), mail and fax, so you can file by phone, email, fax, mail or through the Member Portal with DocuSign. Keep the medical report and every receipt from treatment, because a claim that starts abroad settles faster with the paperwork in hand. The portal keeps the claim documents together.

Support runs on email, phone and help centre: email, phone and a help centre. There is no live chat and no branch counter, so for a same day answer, phone is the practical route. Anything about an existing claim is better sent to the team by email, so there is a written record of what was agreed.

Buying here means buying from the insurer, WorldTrips Insurance Services (WorldTrips Insurance Services), not through a broker or a comparison site. That removes a step in the chain and can mean a more direct answer when a claim is questioned. The trade-off is a narrower choice of plans, since you are not comparing insurers side by side.