atlas travel medical insurance review

Atlas Travel Insurance Review: Is it Worth it For You?

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In this Atlas Travel Insurance review, we’ll explore what plans they offer, what they cover, and whether the plans are worth it for you. Enjoy!

If you’re getting ready for a trip, you know it can involve a fair bit of planning. From finding affordable vacation ideas to choosing the ideal flights, there are a lot of decisions to make.

One decision you’d probably rather not deal with is choosing a travel insurance plan. Unlike scouting for the best flight and hotel deals, there’s nothing fun about thinking about the worst-case scenario. It’s tempting to skip it altogether – but don’t.

Anything could happen, and it’s better to be safe than sorry. The best travel insurance companies offer comprehensive coverage that protect your financial investment and your health.

Today I’ll review two types of insurance offered by Tokio Marine HCC-MIS Group, otherwise known as Atlas.

Atlas at a Glance

• Started in 1998 in Indianapolis, IN
• One of the first to make insurance products and services available on the internet
• Sells three comprehensive trip cancellation insurance plans
• Offers a multi-trip travel medical plan
• Offers two customizable single-trip travel medical plans

Atlas Travel Insurance Products

Atlas provides a suite of travel insurance options to meet the diverse needs of today’s traveler. Let’s take a look.

Trip Cancellation Insurance

Atlas trip cancellation insurance plans protect the non-refundable deposits you make when you book your trip. They’re considered comprehensive plans because they also offer emergency medical coverage. There are three tiers available:

• Atlas Excursion
• Atlas Expedition
• Atlas Enterprise

Atlas MultiTrip

The Atlas MultiTrip plan covers frequent travelers for all trips up to 30 or 45 days in a 364-day period. It’s primarily a travel medical plan, although it also includes trip interruption, trip delay, and baggage loss coverage. It does not include trip cancellation, so you’ll either have to use a travel rewards credit card that includes it, or purchase that separately for each trip.

Travel Medical Insurance

Atlas offers two customizable travel medical insurance plans that provide single-trip coverage for trips lasting 5 to 364 days. These plans also include trip interruption, travel delay, and lost baggage:

• Atlas Travel
• Atlas Premium

In this review, I’ll focus on the trip cancellation insurance and MultiTrip plans. If you want to learn more, you can compare Atlas travel medical insurance plans here .

Atlas Travel Insurance: What’s Included?

Atlas trip cancellation insurance plans protect you from financial loss if you cancel your trip or return home suddenly (for a covered reason). There are 3 plans to choose from – Excursion, Expedition, and Enterprise.

As an example, the basic Atlas Excursion plan includes:

• Trip Cancellation
• Trip Interruption
• Baggage Delay
• Emergency Medical and Dental Expense
• Emergency Medical Evacuation and Repatriation of Remains
• Common Carrier AD&D

Of course, the higher-tiered Expedition and Enterprise plans offer more coverage per category and offer extras like Cancel for Any Reason coverage and a Pre-existing Medical Conditions Waiver.

One note about these plans – they are not easy to find on their website. In fact, you have to get a quote (and therefore, already know your plans or have made reservations) to even get access to coverage amounts. We’d love to see coverage amounts front-and-center like they do for their MultiTrip and travel medical plans – without having to put in specific information first. Anyone should be able to see up-front how much insurance is provided.

Atlas’ MultiTrip plan is a travel medical plan that covers all trips lasting up to 30 or 45 days in a 364-day period. It’s an attractive solution for frequent travelers . Their MultiTrip plans include:

• Emergency Medical Evacuation: $1,000,000 lifetime maximum
• Repatriation of Remains: Up to the overall maximum limit
• Emergency Dental: $300
• Accidental Death and Dismemberment: Lifetime max up to $25,000 depending on age
• Common Carrier Accidental Death: up to $50,000 depending on age
• Personal Liability: $25,000 lifetime max
• Trip Interruption: $10,000
• Lost Luggage: $1,000
• Travel Delay (12 hours): $100/day for maximum 2 days
• Lost or Stolen Passport/Travel Visa: $100
• Deductible: $250 per covered trip
• For a full list of what’s covered, click here .

Remember that while it includes trip interruption, trip delay, and baggage loss coverage, it does not include trip cancellation insurance. If you want that, you can purchase it separately.

Great Coverage for Your Epic Trip – Protect yourself and your trip from catastrophe. Get started with comprehensive medical and trip insurance from Atlas. Get your free quote here .

Atlas Travel Insurance: How Much?

The cost of a travel insurance policy depends on several factors, including your age, the length and cost of your trip, whether you’re traveling solo or with family, and your state of residence. To weigh your options, get an online quote directly from Atlas. That said, these examples help illustrate how the plans compare in terms of price.

Let’s consider a 33-year-old solo traveler heading to Belgium for two weeks in June. He’s from the U.S. state of Georgia, and his trip costs $3,000. Here is what he would pay for each of the Atlas trip cancellation insurance plans:

• Atlas Excursion: $91
• Atlas Expedition: $107
• Atlas Enterprise: $126

Now, let’s shake things up and see what the prices would look like if it were a family vacation. Let’s add his 35-year-old wife and their two kids, ages 7 and 10. With the additional airfare, let’s say the trip costs $5,500:

• Atlas Excursion: $204
• Atlas Expedition: $240
• Atlas Enterprise: $280

In both examples, the jump from Atlas Excursion to Atlas Expedition is pretty small. Considering Atlas Expedition gets you an extra $100,000 in emergency medical coverage and the pre-existing medical conditions waiver, I think it’s worth it.

Note that adding Cancel for Any Reason coverage to the Atlas Enterprise plan would cost an extra $182. The standard trip cancellation coverage includes the most common reasons for canceling a trip, so most people probably wouldn’t add it on.

Atlas MultiTrip: How Much?

When buying the MultiTrip Plan, you can insure trips lasting up to 30 or 45 days. Let’s look at how much it would cost to insure the travelers from the previous example for all trips taken for 364 days.

Our 33-year-old solo traveler would pay:

• $188 for all trips lasting up to 30 days
• $230 for all trips lasting up to 45 days

The family of 4, ages 35, 33, 10, and 7 would pay:

• $282 for all trips lasting up to 30 days
• $345 for all trips lasting up to 45 days

Atlas Travel Insurance: What Isn’t Covered?

The nitty-gritty exclusion details vary by plan and can be found in your plan certificate. Here are a few things worth noting.

Pre-existing Medical Conditions (Certain Circumstances)

The Atlas trip insurance plans define a pre-existing medical condition as one you had in the 60 days preceding your scheduled departure. That 60 days is called the look-back period. Pre-existing conditions are handled differently based on the type of travel insurance you purchase.

The Atlas Excursion plan does not cover pre-existing medical conditions in any circumstance. For some, this is a good reason to buy the Atlas Expedition or Enterprise plans instead.

The Atlas Expedition and Enterprise plans have a pre-existing conditions waiver. That means that if you meet certain criteria, your trip cancellation, interruption, and medical benefits will cover your pre-existing medical conditions. These are the criteria:

• You purchase your travel insurance plan within 21 days of making your initial trip deposit
• You purchase insurance for the full cost of your trip
• You’re medically able to travel on the effective date of your policy

The Atlas MultiTrip plan has a look back period of two years. That means a condition is considered pre-existing if you had it in the two years prior to the beginning of your coverage.

The MultiTrip plan does not cover pre-existing medical conditions except in cases of acute onset. Acute onset means a sudden, unexpected, brief flare-up that requires urgent care (excluding chronic or congenital conditions).

Adventure Sports

There’s a whole list of adventure sports that aren’t covered. That means if you sustain an injury while taking part in one, Atlas won’t pay your claim. Here are a few notable exclusions:

• Parachuting
• Any kind of race
• Base jumping
• Independent scuba diving
• Spelunking or cave diving
• Whitewater rafting
• Big game hunting

If any of these are an important part of your travel plans, you should look elsewhere for your insurance needs. We recommend checking out World Nomads , which is known for its adventure sports coverage.

Lost or Damaged Medical Items

It’s important to note that baggage/personal effects and baggage delay coverage do not cover loss or damage to medical items you may travel with. This includes:

• Eyeglasses, sunglasses, and contacts
• Artificial teeth and dental bridges
• Hearing aids
• Prosthetic devices
• Prescribed medications
• Retainers and orthodontic devices

The best course of action is to keep these items in your carry-on luggage to reduce the chance of loss or damage.

Standard Exclusions

As is the case with most travel insurance providers, Atlas does not cover losses related to:

• Anything self-inflicted
• War, invasion, acts of foreign enemies, civil war, hostilities between nations
• Any non-emergency medical treatment
• Injury or sickness when traveling against the advice of a physician
• Participation in professional sports, piloting, or military training exercises

Again, consult your plan certificate for the full list of exclusions.

Need an all-in-one travel insurance plan? Atlas has your back with several single trip and multi-trip options. Get started today with a free quote.

Atlas Travel Insurance: Who Can be Covered?

Two of the Atlas trip cancellation plans, Atlas Expedition and Atlas Enterprise, cover travelers up to age 99. This is something to consider if you or someone you are traveling with is a senior. Atlas Excursion provides coverage to age 75. Atlas MultiTrip provides coverage to travelers aged 14 days to 75 years.

Atlas Travel Insurance Pros and Cons

Who should buy atlas travel insurance.

Frequent Travelers – If you travel several times a year, Atlas MultiTrip can save you money.

Travelers Who Need an All-In-One Insurance Product – If you need to insure your non-refundable trip deposits but you also want high levels of medical coverage, the Atlas Expedition or Enterprise plans will be a good fit for you. They come with a generous $150,000 or $200,000 in medical coverage.

Travelers Who Need Cancel For Any Reason Coverage – The Atlas Enterprise plan comes with optional Cancel for Any Reason coverage. Although it’s expensive, it will be worth it for some travelers.

Who Should Skip Atlas Travel Insurance?

Seniors Aged 75 and Over – Seniors over age 75 are not eligible for the Atlas Excursion plan or the MultiTrip plan. They can get the Atlas Expedition and Enterprise plan, but they can likely find more options elsewhere.

Adventurous Travelers – Atlas doesn’t offer adventure sports coverage, so if bungee jumping or mountain climbing are in the cards, look elsewhere. I recommend checking out World Nomads .

Frequent Travelers Who Need Trip Cancellation – The Atlas MultiTrip plan is a great option for frequent travelers, except for one thing: it doesn’t include trip cancellation insurance. If you’ll be making expensive deposits several times per year, the MultiTrip plan won’t check all your boxes.

How to Buy Atlas Travel Insurance

The simplest way to buy any of the Atlas plans is online. Start by grabbing a quote and reviewing the coverage. If you like what you see, enter your details and your payment information, and you’re good to go.

The Atlas trip cancellation insurance plans come with a 10-day review period. This means you can request a refund within 10 days of purchasing your plan if you change your mind (as long as your coverage hasn’t started).

With the Atlas MultiTrip plan, you can request a refund any time before coverage begins.

How to Make a Claim

You have 20 days for trip cancellation insurance or 60 days for MultiTrip insurance from the day coverage ends (the last day of the certificate period) to file a claim.

To start a claim, you must contact Tokio Marine HCC-MIS to give notice of your claim. You can do this online or by mail, and you can call to get help. They will advise what forms and information you need to provide.

Atlas Travel Insurance: Should You Buy It?

If you’re looking for a solid, comprehensive travel insurance plan that protects your non-refundable deposits and offers emergency medical coverage, Atlas has you covered.

Their Expedition and Enterprise plans offer robust coverage at a reasonable price. They are the trip insurance plans that will meet most travelers’ needs. In my opinion, the Excursion plan just doesn’t offer enough medical coverage for most situations.

The MultiTrip plan is a good fit for travelers looking to insure multiple trips a year but don’t need trip cancellation coverage.

Whether you chose Atlas or another provider, make sure you protect yourself and your trip by purchasing a travel insurance policy before you go. Thanks for reading and safe travels!

Get International Medical Insurance with Atlas – Are you ready to protect your trip and your health? Hop over to Atlas to get your free quote for your next trip. Grab a free quote here.

Atlas Travel Insurance Review

• Amount of Coverage
• Medical Coverage
• Travel Coverage and Protections
• Affordability
• Covered Activities & Sports
• Availability

Their Expedition and Enterprise plans offer robust coverage at a reasonable price. They are the trip insurance plans that will meet most travelers’ needs. In my opinion, the Excursion plan just doesn’t offer enough medical coverage for most situations. The MultiTrip plan is a good fit for travelers looking to insure multiple trips a year but don’t need trip cancellation coverage.

There is little adventure sports coverage and no annual plans that include trip cancellation insurance.

Sandra Parsons is a professional freelance writer and personal finance expert who writes about all things money. Her work has been featured on sites like MoneyTips, Credit Knocks, Women Who Money, and CreditCards.org. She also adores travel (preferably paid for with credit card rewards) and routinely reviews sightseeing passes and travel insurance solutions. Prior to focusing on her writing career, Sandra spent five years working in banking. She also holds master’s degrees in employment relations and psychology. Learn more about Sandra here.

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WorldTrips Travel Insurance Review — Is It Worth It?

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Table of Contents

Who can get worldtrips travel insurance, what does worldtrips travel insurance include, optional add-ons to atlas journey plans, comparison of worldtrips atlas journey travel insurance plans, how much does worldtrips travel insurance cost, how worldtrips travel insurance compares to other options, tips for ensuring a smooth claim process, final thoughts.

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Planning trips is fun. Reading about travel insurance for them isn’t. But a little effort to plan for problems during your upcoming vacation can make a big difference.

WorldTrips provides multiple types of travel insurance, ranging from minimalist policies with just medical insurance to full-scale policies that cover anything that might go wrong during your next family vacation. The insurer also offers add-ons that most competitors lack, such as policies for students studying abroad, special provisions for hunting and fishing trips, veterinary emergencies, school activities that force you to delay your vacation, and even coverage for destination weddings when the bride or groom calls it off.

However, you may be surprised that rental car protections are only available as an add-on to WorldTrips plans, and you’ll need the most expensive plan if you want to add coverage for pre-existing medical conditions.

Here’s a look at the various travel insurance plans from WorldTrips and whether the costs are worth it.

Before understanding who can get a plan, it’s essential to understand the different types of travel insurance plans available from WorldTrips.

Atlas Travel plans are available for citizens and residents of numerous countries when traveling internationally. Conversely, Atlas Journey plans are available only to U.S. citizens and residents, covering domestic and international travel. Atlas Journey plans are geared primarily toward trip delay and cancellation benefits, while Atlas Travel plans are focused primarily on medical coverage. However, they share some crossover benefits.

WorldTrips also has travel insurance policies that aren’t focused on typical tourists. StudentSecure plans provide injury and illness coverage for those studying abroad. Atlas MultiTrip plans provide coverage for 364 days, covering trips up to 30 or 45 days each (depending on the plan you choose), and Atlas Group plans can provide up to a 10% discount if you’re traveling in a group of 5 or more people.

Additionally, WorldTrips Atlas Travel plans can provide medical coverage for those doing overseas volunteer or missionary work.

WorldTrips offers multiple types of travel insurance policies. Atlas Travel plans are available only for international trips (open to residents of many countries) and primarily focus on medical coverage. With these plans, you’ll choose your preferred deductible and maximum coverage limit, then provide your age and destination.

U.S.-based travelers have access to Atlas Journey plans. These cover domestic and international trips and are what you likely think of when considering travel insurance. We’ll analyze these in depth in the article and then cover the medical-focused Atlas Travel plans near the end.

WorldTrips Atlas Journey Travel Insurance Coverage Types and Benefits

To know what you’re looking for in a travel insurance policy, you should first understand what the types of coverage are:

• Trip Cancellation Insurance: Covers prepaid, non-refundable expenses when you cancel a trip for covered reasons like sickness, injury, or death of a family member.
• Trip Interruption: Reimburses prepaid, non-refundable expenses if you miss part of a trip or have to end a trip early due to covered reasons like weather, jury duty, or injury.
• Travel Delay: Applies to additional expenses incurred for delays of 5+ hours, covering accommodation, meals, and local transport costs.
• Travel Inconvenience: Applies when one of the following occurs: your return home is delayed and causes you to miss 2 or more days of work, your flight must land 50+ miles from the original destination, there’s a documented security breach causing delays at your departure terminal, you’re a victim of a verified physical assault, your credit/debit card is canceled for reasons beyond your control, or your travel documents are stolen and can’t be replaced locally.
• Emergency Accident and Sickness Medical Expense: Covers losses due to medical and dental emergencies. This is secondary coverage except on the Premier plan.
• Medical Evacuation and Repatriation of Remains: Covers medically necessary transportation and care en route when you’re ill or injured and don’t have access to appropriate care in the immediate area. You also can be covered for repatriation to your home or other U.S. city with appropriate care, requiring prior approval.
• Baggage Damage or Loss: Provides reimbursement for loss, damage, or theft of personal effects in excess of other insurance, such as homeowners’ or airline baggage policies.
• Baggage Delay: Provides reimbursement for covered expenses after 12+ hours of baggage delay at your destination. Covered expenses include necessary clothing, laundry, toiletries, and costs for retrieving your baggage. Coverage ends when your luggage is retrieved or you return home — whichever is first.
• Missed Connection: Can reimburse expenses related to missed cruises, tours, flights, or trip departures due to 3+ hours of delays. Covered delays include weather, carrier problems, strikes, quarantines, and more. Expenses cover costs to catch up with your trip or money lost from missing the trip.
• Airline Cancellation or Reissue Fees: Reimburses costs for changing or canceling tickets after interruptions or canceled flights. This coverage applies to costs after any refunds or vouchers you receive.
• Travel Assistance Services: Provides 24/7 assistance services like security advice, coordination of medical benefits, interpreters, legal referrals, and referrals for needs during emergencies. Note that you may have costs for services you use from these referrals.

It’s also important to note that each section has rules and restrictions about which costs are covered, when coverage applies, and other terms you must follow.

You’ll see options for additional coverage depending on the base plan you select:

• Cancel for Any Reason Coverage (CFAR): This add-on policy covers up to 75% of your losses if you cancel for reasons not covered in other sections of your policy, so long as you purchase within 21 days of your first deposit and cancel 48+ hours before the trip. This add-on isn’t available for Economy plans.
• Interruption for Any Reason: Provides reimbursement for 50% of non-refundable trip costs after a trip is interrupted for non-covered reasons. WorldTrips says, “No questions asked” on this coverage. This add-on is available for Premier plans only.
• Pre-existing Conditions: Requires purchasing a policy within 21 days of the initial deposit and covers pre-existing conditions that have a change in treatment or that make you unable to travel.
• Adventure Sports: Provides coverage for leisure, non-professional sports like bungee jumping, scuba diving, and mountain climbing up to 7,000 meters, as well as safari activities. This add-on is available for all plan levels.
• Rental Car Damage and Theft: Requires a $250 deductible; afterward, provides rental car coverage for collision, theft, and damage beyond your control. You must be authorized to drive at the destination and listed on the rental policy. This add-on is available for all plan levels.
• Pet Care: Provides reimbursement for a trip canceled due to the death or critical illness of your dog or cat within 7 days of trip departure. Provides up to $250 in coverage for boarding fees if your return home is delayed for a covered reason and up to $500 for emergency veterinary care for a pet traveling with you. This add-on is available with all plan types.
• Rental Accommodations Protection: Covers trip interruptions if you can’t access your vacation rental property for 12+ hours or if your property is unsuitable or not as described on arrival. It’s available on all plan levels.
• School Activities: Provides cancellation coverage for trips you must cancel due to school activities like exams or sporting events beyond standard season dates. This coverage also applies to study abroad, volunteer, or philanthropic programs. This add-on is available for all plan levels.
• Hunting and Fishing: Covers canceled and interrupted trips related to changes in government regulations or delays of 24+ hours in receiving your necessary equipment. This coverage also applies to theft, damage, and destruction of your essential equipment and trips where your guide or traveling companion becomes medically unfit to participate. This add-on is available for all plan levels.
• Destination Wedding: Provides reimbursement for lost funds when you plan to attend a wedding and then it’s canceled. Coverage also applies to canceled flights, flights forced to land 50+ miles from the intended airport, and flight delays of 12+ hours. This add-on isn’t available for Economy plans.
• Security/Terrorism: This covers cancellations due to terrorist events at your destination or trip interruption for riots/civil unrest lasting 12+ hours. It also can provide ransom payments or security assistance for kidnapping. However, it doesn’t cover countries like Mali, Afghanistan, Syria, or others excluded from the policy. It’s available on all plan levels.
• Primary Medical Coverage: This paid upgrade to Preferred plans makes the emergency medical and dental benefits primary coverage rather than secondary.
• Primary Baggage Coverage: This makes baggage coverage primary rather than secondary. This is available on all plan levels.

It’s also possible to upgrade your maximum coverage limits on certain benefits. These include baggage loss and upgrading benefits from secondary to primary coverage.

Few companies offer kidnapping ransom, destination wedding, or school activity coverage. If these are concerns for your upcoming trip, WorldTrips can make sense over competitors that lack these protections.

Take note that rental car protection isn’t included in any plans — not even the Premier plan. It’s available for an additional cost, but this reinforces the importance of using a good credit card that provides built-in rental car protections .

Pre-existing Conditions

When purchasing an Atlas Journey plan, this coverage is included if you purchase your plan within 21 days of your initial trip payment.

COVID-19 Coverage

Atlas and StudentSecure plans purchased on or after February 2, 2023, include coverage for medical expenses related to COVID-19.

There are several coverages that are the same across all 3 plans :

• Coverage for Pre-existing Medical Conditions — Included if conditions are met and policy is purchased within 21 days of initial deposit
• 24/7 Travel Assistance Services — Included
• Adventure Sports Medical Coverage — Available add-on service; average cost $44
• Pet Care — Available add-on service; average cost $10
• Rental Car Damage and Theft — Available add-on service; average cost $50
• Rental Accommodation Protection — Available add-on service; average cost $21
• School Activities Protection — Available add-on service; average cost $16
• Hunting and Fishing Protection — Available add-on service; average cost of $20

WorldTrips Travel Insurance Economy Plan

This is the most inexpensive plan but still covers the essentials. You can be reimbursed for canceled, interrupted, and delayed trips and get reimbursed for sicknesses, injuries, and even delayed bags. Numerous add-ons can improve this plan, though the cost will increase.

WorldTrips Travel Insurance Preferred Plan

This intermediate plan offers more coverage and higher cover limits than the Economy plan but costs more. This plan has additional add-on options, and it’s the lowest plan with an option for CFAR coverage.

WorldTrips Travel Insurance Premier Plan

The most expensive plan also offers the most robust coverage — in terms of types and values. It’s the only plan with an option to add coverage for pre-existing conditions, though many options remain add-ons and aren’t included in this plan (such as rental car coverage).

None of the Atlas Journey plans include rental car protections. Those are available as an add-on, however.

Atlas On-The-Go Insurance

WorldTrips provides another travel insurance plan called On-The-Go . It’s only available to U.S. residents and covers non-refundable trip costs, lost or damaged personal items (including luggage), and medical expenses (including COVID-19).

You can be covered for trip interruption, travel delays, missed connections, and emergency medical expenses. However, you won’t be covered for trip cancellation and cannot add coverage for pre-existing conditions or CFAR.

Let’s price some sample plans to see how they cost. This will give you a better idea of whether these plans fit your budget.

Atlas Journey Plans

These plans are available to U.S. residents and citizens and cover domestic and international trips.

Atlas Travel Plans

These plans are available to residents of numerous countries and only cover international trips.

Notice there is a high additional cost for elderly travelers . Also, your maximum coverage amount is lower for people aged 60 and above.

Since Atlas Travel plans primarily focus on medical coverage, you don’t need to provide your trip cost when getting a quote. These plans can make sense if you’re OK with minimal trip protections while ensuring you’re covered for possible injuries during a trip. You can choose from several options for a maximum coverage amount and deductible payment for your claims.

These plans are focused on medical coverage during international trips. If you aren’t worried about expenses for delays or cancellations, you could potentially save money by purchasing an Atlas Travel plan. These especially make sense for last-minute trips where your odds of cancellations are low.

As these plans have maximum coverage amounts and don’t cover trip cancellation, they’re cheaper. This can be a good option if your trip is unlikely to be canceled and you want protection for your stuff and your health during a vacation. As long as you’re a U.S. resident, plans are available for both international and domestic travel.

WorldTrips Travel Insurance vs. Competitors

Part of shopping for trip insurance is understanding what you get and how much it costs. The other part is understanding how this compares to competitors. What are companies like Generali Global Assistance and Nationwide charging for similar plans? Here’s a comparison of costs.

We priced a 1-week itinerary for 2 travelers (ages 40 and 39) going to Colombia in November 2023. The cost for the trip was estimated at $3,000, and the first trip deposit was made in the last 24 hours. Squaremouth provided these comparison costs.

The WorldTrips plan had the middle cost of the 3 .

All 3 plans included COVID-19 coverage; all 3 provided the same trip cancellation benefits and the same medical evacuation benefits . However, WorldTrips and Nationwide had lower maximums for emergency medical benefits than Generali, and WorldTrips also had the lowest maximum benefit for trip interruption .

WorldTrips has a competitive cost against similar plans from other providers. You’ll see similar coverage types and maximum payouts in some areas. However, you’ll see lower benefits for emergency medical and trip interruption than more expensive options. Consider these numbers and how important they are.

WorldTrips Travel Insurance vs. Credit Card Insurance

You may be surprised that your credit card could provide some of the same travel insurance . This could help you save money by not needing to buy a separate policy.

However, when the coverage goes into effect varies. Some credit cards require you to pay for the entire trip (including round-trip tickets, not one-way) with that card to trigger the protections. Others go into effect by paying just a portion of the trip with that card. It’s important to understand exactly what your card offers and when it’s available to determine if those protections are sufficient.

Here’s a look at how WorldTrips’ Atlas Journey Premier plan compares to coverage with The Platinum Card ® from American Express , Capital One Venture X Rewards Credit Card , Chase Sapphire Preferred ® Card , and Chase Sapphire Reserve ® .

WorldTrips’ Premier plan has lower trip delay, lower lost luggage, and lower accidental death and dismemberment benefit maximums than you may get with premium credit cards. However, WorldTrips’ top plan has better baggage delay protections and offers the best protections for emergency medical and emergency evacuation.

Even before your trip, you should think about “what if something goes wrong” and have a plan. That includes buying your plan within required deadlines (based on initial and final trip payments) and keeping receipts for every expense. Keep receipts for flights, hotels, rental cars, meals during trip delays, and even a toothbrush while waiting for delayed luggage. Keep it all.

You also should read the policy documents before and after buying a plan. These will help you know precisely what is and isn’t covered. For instance, destination wedding coverage can be handy if the wedding gets called off, but the policy’s fine print will tell you you’re not covered if you’re the bride or groom.

Keeping a paper trail and knowing what is (and isn’t) covered will ensure a smoother claim process because you’ll avoid submitting unnecessary claims and will avoid unnecessary delays during the evaluation process. It also helps you know what’s covered before you swipe your card for expenses during a delay.

If you need to submit a claim, WorldTrips has a “How the claims process works” page , and it includes instructions on what to do, what forms you need, and how the claims process varies based on whether your trip was inside or outside the U.S. It also provides information on how medical facilities can direct bill WorldTrips, which can save you the hassle of paying and then waiting for reimbursement.

No one likes to think about emergencies when planning an exciting holiday. However, planning for emergencies can reduce stress and costs should something go wrong. WorldTrips offers several types of travel insurance, covering all your bases or potential medical expenses. The sheer variety of options provides more potential coverage types than many competitors.

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the baggage insurance plan benefit of the Amex Platinum card, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of the Amex Platinum card, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the premium global assist hotline benefit of the Amex Platinum card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, card members may be responsible for the costs charged by third-party service providers.

For the trip delay insurance benefit of the Amex Platinum card, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of the Amex Platinum card, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Is worldtrips legit.

WorldTrips has been around since 1879 and operates in 180 countries. It’s headquartered in Houston, Texas, has excellent financial strength ratings from multiple credit rating organizations.

 How do I contact WorldTrips insurance?

In the U.S., you can call 800-605-2282. From outside the U.S., call collect to 317-262-2132.

How do I submit a claim to Worldtrips?

Within the member portal (formerly the Client Zone), you can access the claimant form, fill it out, and then upload all of your documents electronically. It’s also possible to bill WorldTrips directly for medical expenses.

How do I cancel my Worldtrips policy?

Send an email to [email protected] to cancel your travel insurance policy. You must submit your request prior to the policy’s effective date to receive a refund.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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Travel Insurance

Best travel insurance companies of May 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 6:28 a.m. UTC May 2, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Preferred and Atlas Journey Premier plans get 5 stars in our rating because of the extensive coverage they provide for the price. Both plans come with high limits for important benefits such as emergency medical and evacuation, travel delay and missed connections. WorldTrips travel insurance also offers a pre-existing medical condition exclusion waiver if you buy a plan within 21 days of making your first trip deposit.

Best travel insurance of 2024

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Travel insurance quotes comparison

Best travel insurance companies, best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel, WorldTrips has two top-rated travel insurance plans in our rating:

• Atlas Journey Preferred provides $100,000 per person in emergency medical benefits as secondary coverage, with the option to upgrade to primary coverage. Primary coverage means you don’t have to first file a medical claim with your health insurance company. Atlas Journey Preferred is also the best travel insurance for cruises with $1 million in coverage for emergency evacuation.
• Atlas Journey Premier costs more but gives you $150,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier has $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan includes travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 411 reviews of policies purchased through the travel insurance comparison site since 2008.

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Best travel insurance for missed connections

If you’re looking for good travel insurance for missed connections , it’s worth considering TravelSafe. Its Classic plan includes $2,500 in missed connection coverage for each person on the plan. Some travel insurance companies only provide missed connection coverage for cruises and tours, but TravelSafe doesn’t impose that restriction.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of our best-rated travel insurance plans.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Best trip insurance for traveling with a pet

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. It’s also the best trip insurance for pet parents , with an optional Pet Bundle add-on that includes pet medical, pet kennel and pet return benefits.

• Cheapest of our best trip insurance plans.
• Optional pet bundle adds pet medical expense and pet return benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best travel insurance for cruise itinerary changes

Nationwide’s Cruise Choice plan is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Cruise Choice also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “Cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Via TravelInsurance.com’s website

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from March 24 to April 23, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Preferred and Atlas Journey Premier — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• ‘Just a parade of incompetency’: Spirit Airlines passengers with ‘nightmare’ stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Home » Atlas International Travel Insurance Review

Atlas International Travel Insurance Review

Atlas International travel insurance is a highly popular international travel medical insurance plan for U.S. citizens as well as non-U.S. citizens who are traveling outside their home country and traveling outside the U.S. The travel can be for any reason, such as vacation, business, work, education, missionary work, or any other reason.

Various policy maximums ranging from $50,000 to $2,000,000 are available, as well as various deductible choices ranging from $0 to $5,000. After you pay the deductible, the insurance company pays 100% up to the chosen policy maximum for eligible medical expenses.

Atlas International insurance is underwritten by Lloyds, which is rated A “Excellent” by A.M. Best and is the largest and oldest insurance marketplace in the world, with more than 300 years of solid history.

Atlas International Travel Insurance Benefits

The Atlas International travel insurance plan is designed to generally cover any injuries, accidents, or sicknesses that occur after the effective date of the policy. Atlas International insurance will cover medically necessary outpatient as well as inpatient treatment such as doctor visits, prescription drugs, urgent care visits, emergency room visits, labs, X-rays, CT scans, MRIs, surgery, and hospitalization (including hospital room, board, and ICU charges).

Apart from providing excellent medical coverage, Atlas International insurance has many travel-related benefits such as emergency medical evacuation , repatriation of remains , loss of checked luggage , trip interruption , return of minor children, and emergency reunion benefits.

Compliant Travel Insurance for Schengen Visa and Other Countries

Atlas International insurance meets the requirements of Schengen visa travel insurance for those visiting Europe. Immediately after the purchase, you will get an email confirmation with a link to the visa letter (also called confirmation of coverage letter) that you can present to the Schengen country embassy or consulate when applying for a Schengen visa.

If you are visiting Thailand, their government requires at least $100,000 travel medical coverage, and they require the insurance company to complete a special waiver form with specific language. Once you purchase Atlas International insurance from Insubuy, they can get the waiver form completed for you to submit to the Thai government.

There are many other countries around the world that require proof of travel medical insurance, and you can purchase Atlas International insurance to satisfy the requirements of most of them.

Atlas International Travel Insurance Features

Atlas International travel insurance can be purchased for a duration of between 5 days and 364 days. However, if you are a non-U.S. resident traveling to a non-U.S. country, you can purchase it for up to 1 year and renew it for a total of 3 years.

You are able to extend Atlas International insurance for a minimum of 1 day or a longer duration that you desire. When you extend it, all the terms and conditions remain the same. However, when you renew the insurance after 1 year (if you are eligible to do so, as described above), the deductible will start over.

Atlas International Travel Insurance Restrictions

Compared to a few other international travel medical insurance plans, Atlas International travel insurance has fewer restrictions:

• Not available if the person is physically located in the state of Maryland, New York, or Washington at the time of application. This restriction applies only to the proposed insureds in New York or Washington, while in Maryland, it additionally applies also to the person applying for the insureds, if they are not the same.
• Treatment of all forms of cancer / neoplasm
• Diseases of the skin
• Diagnosis, treatment, or supplies for the feet; orthopedic shoes or orthopedic prescription devices to be attached to or placed in shoes; treatment of weak, strained, flat, unstable, or unbalanced feet; metatarsalgia or bunions; and treatment of corn, calluses, or toenails.

Please refer to the certificate wording for complete details.

How to Purchase Atlas International Travel Insurance

There are literally thousands of agents and brokers, as well as the insurance company that directly sells Atlas International travel insurance. For exactly the same parameters and coverage, the prices are exactly the same everywhere. Therefore, you should shop for the customer service.

You should purchase your insurance from a travel insurance marketplace such as Insubuy , which has U.S.-based, licensed agents available five days a week. Help is available in English, Spanish, and Chinese. You can trust Insubuy to always provide you the right advice. Most importantly, if you run into any legitimate claim issues, Insubuy’s claims resolution specialist will help you get your eligible claims paid. Such additional service comes at no additional cost, but can prove to be highly valuable when you really need it the most.

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Fast, affordable, and easy to use. Accepted in the Schengen Area.

We use WorldTrips for our employees who travel. Super easy to use, accepted by all the consulates we have used for visa applications. Can be done completely and done last minute if needed.

Date of experience : May 13, 2024

Happy, happy

I’ve only ordered the insurance for 2 upcoming trips. Website is easy to use and it gives you options depending on where you are going. I hope I never have to use it.

Date of experience : May 05, 2024

No problem good used for years always…

No problem good used for years always helpful,no claims. This is probably last time travel age intruding, travel arduous enjoyed in youth as lived worked overseas.Thank you

Date of experience : November 13, 2023

Reply from WorldTrips

Hi Margaret! Thank you for taking the time to leave a review. We are happy to hear you've had great experiences with us over the years. Thank you for choosing WorldTrips!

The ease of extending and/or buying a…

The ease of extending and/or buying a new policy and receiving the policy fulfillment online was great, and the ability to opt to have the member cards in the USPS was much appreciated.

Date of experience : May 03, 2024

SURPRISE, Our trip was cancelled with no notification!!

I reserved well in advance and paid a 4,000 Peso deposit. I then later, inquired about the reschedule policy. The only response I received was an attached policy letter explaining the cancellation policy of providing seven days notice. We were traveling in remote areas of northern Luzon prior to the tour so were out of touch for the week prior to the Pinatubo hike. We went to the Botolan Tourism jump-off point the day before to verify that everything was OK for the next mornings tour. We were told that trippinas had cancelled our reservation due to we had not responded to a message about an increase in the price!! We were then told that we were cancelled due to we could not be contacted by phone. I don't understand why you cancelled our reservation with no verbal or written instructions from us to do so and we had paid for about 50% of the cost as a deposit!! We received no messages or emails warning us that you were cancelling our trip!!

Date of experience : April 28, 2024

Hello, Douglas. Thank you for taking the time to share your experience with us. It looks like you may have mistaken us as the tour operator, but we are a travel insurance company. If this is something you would like to discuss further with someone on our WorldTrips team, please email us at [email protected] with your name, policy number, and a reference to this review. We will be happy to assist you!

Specifically Travel Medical Insurance

I was looking specifically for travel medical insurance since my CC covers the amounts in the average available travel policies. Atlas was one of the few, and is straightforward. I didn’t know anything about them until I saw them on your site. Hopefully I won’t need to use it on my trip this fall.

Date of experience : April 13, 2024

Hello, Christine. We appreciate you taking the time to share your feedback with us. It is great to hear that you found Atlas to be straightforward. Safe travels on your upcoming trip this fall! Thank you for choosing WorldTrips.

I am an Indian citizen staying in India…

I am an Indian citizen staying in India and travelling to the UK. It was amazing to avail of this policy which is headquartered in a third country like US. The world is truely shrinking.

Date of experience : April 22, 2024

Hello. Thank you for taking the time to leave a review! We are happy to hear that you had a great experience with us. Wishing you safe travels on your upcoming trip. Thank you for being a loyal WorldTrips customer!

Very easy to book travel insurance…

Very easy to book travel insurance online and coverage is received seconds after booking.

Hello, Kendrick. Thank you for taking the time to leave a review. We are happy to hear that you had a great experience with us and hope you had a great trip! We look forward to joining you on your next journey. Thank you for choosing WorldTrips!

Bought it coz any accidents related to hiking abroad

II bought insurance just in case. In case I have any accidents related to hiking abroad Good thing I didn't use it. But having peace of mind is better than not having it. Because anything can happen.

Hello, Navapat. Thank you for taking the time to leave a review. We are happy to hear that you were pleased with your purchase. If there is anything we could do to improve your experience, feel free to share your thoughts with us by emailing us at [email protected]. We look forward to joining you on your next adventure. Thank you for choosing WorldTrips!

Always worth having

I didn't need to use it, but having travel insurance especially when travelling international always gives me so much peace of mind. It's come in handy in the past and its always worth the cose. World Trips had fair pricing and my information was easy to access should I have need it. Will definitely look to use them again. (edited for spelling)

Date of experience : March 02, 2024

Hello, Adrianne. We are happy to hear that you had such a great experience with us and appreciate you taking the time to leave a review! Thank you for choosing WorldTrips. We look forward to joining you on your next adventure!

Can't get the link to reactive my…

Can't get the link to reactive my account. Also no indication as to how long I am to wait. Customer service seems very 'bot'-ish and 'Q&A-pagey' (impersonal) and therefor less effective.

Date of experience : April 11, 2024

Hello. Thank you for your feedback. We are sorry to hear that you had trouble with your account. Our records show that this was resolved. Please feel free to reach out if you have any further questions and we will be happy to assist you!

I usually don't give reviews but I…

I usually don't give reviews but I wanted to share my thoughts about World Trips due to the excellent service I've been getting. It is extremely easy to book with them. Just select a policy that suits you, for example zero deductible or a maximum coverage of 250k. I had a minor motorcycle accident couple years back in the Dominican Republic and world trips covered my hospital expenses without hesitation or causing a headache. I highly recommend world trips to anyone who needs insurance for a travel trip.

Date of experience : March 13, 2024

Hello, David. Thank you for taking the time to leave your feedback! We greatly appreciate your kindness and we are happy to hear that you had such a great experience with us. We wish you safe travels and cannot wait to join you on your next journey! Thank you for being a loyal WorldTrips customer.

simple fairly strainght forward site to navigate

simple, fairly straight forward site in which to choode the health insurance needed. One issue we had was trying to decipher travel vs health insurance, as it was not terribly clear which to choose

Date of experience : March 27, 2024

Hello, Joseph. Thank you for taking the time to leave a review! We are always looking for ways to improve our website and we appreciate you sharing your feedback. Our team will look into this and see if we can make some changes!

I have just got my cards and tried…

I have just got my cards and tried registering on your portal. After successful registration and logiing in, the system doesn't seem to log me out, even when I logout and exit. Logging in with my wife's account still shows my page.

Date of experience : March 30, 2024

Hello, Raghavendra. Thank you for sharing your feedback with us. We sincerely apologize for the inconvenience you have experienced. Someone on our team will look into this for you and will reach out, via email, as soon as possible.

Accessibility

It was very easy to get the travel insurance

Date of experience : May 01, 2024

Hello, Ravneeth. Thank you for taking the time to leave a review with us. We are happy to hear that you had a great experience. We hope you had a great trip. Thank you for choosing WorldTrips!

Outstanding customer care in purchasing insurance

Every customer service rep was extremely knowledgeable, kind and helpful. Your reps demystified the process of purchasing trip insurance, medical coverage, primary and secondary coverage, working with credit card trip insurance benefits etc. So I will use your firm from now on and we travel a lot. Easy to use website! Had a tech issue and solved kindly and quickly too (was a dumb mistake on my part). Thank you! Jim Schleif - MKE

Date of experience : February 16, 2024

Hi James! Thank you for taking the time to share your experience with us. Our team is always happy to help answer your questions and we are happy to hear that your tech issue was resolved quickly. We look forward to joining you on your future travels!

Bills not paid even in 7 months after…

Bills not paid even in 7 months after submission Bill submitted on 08/22/2023 have not been paid so far upto 03/202014—210 days —- 7 month Request you to investigate who is sleeping on them What compensation you want to give me ??

Date of experience : March 20, 2024

Hello. We apologize for the inconvenience you have experienced. Our team is actively looking into this and will provide an update as soon as possible. Thank you.

I feel safe with world trips

I feel safe with world trips and the service they provide! I use them every time I’m travel abroad. Excellent upgrade options and additional added extras for a small fee. Now in the event I take a fall or twist my ankle it’s reassuring to know I have quality health insurance benefits available to me.

Date of experience : February 22, 2024

Hello - We appreciate you taking the time to leave a review! It is great to hear that you have enjoyed traveling with us. Thank you for choosing WorldTrips! We look forward to joining you on your future adventures. Safe travels.

Why I buy WorldTrips Atlas travel insurance

It is easy to purchase my travel insurance. It is inexpensive to purchase my travel insurance. After my purchase I feel much more secure about possible health issues while in Canada.

Date of experience : March 22, 2024

Hello, Kevin. Thank you for taking the time to share your feedback with us! We are happy to hear that you had such a great experience. Safe travels and thank you for choosing WorldTrips!

Website very very very slow.

The worldtrips website has been agonizingly slow. Please address this as I have 2 trips where I am using worldtrips. It was not this slow before. I will probably get my next insurance if this will continue for another month. I have been happy in the past but this experience of waiting so long for the website to load is too frustrating.

Date of experience : March 08, 2024

Hello, Adrian. We apologize for any inconvenience this may have caused and appreciate you bringing this to our attention. Our team is actively working on making our website quicker and more user-friendly. We understand your frustration and hope you will bear with us during this transition time. In the meantime, we wish you safe travels on your upcoming trip! Thank you.

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WorldTrips Travel Insurance Review: Is it Worth The Cost?

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Since 1998, WorldTrips has provided medical insurance and trip protection to travelers from the U.S. and around the world in addition to coverage for international students. The company also provides coverage for various tour groups, missionary work and student exchange programs. The insurance policies are underwritten by Tokio Marine HCC, a Houston-based insurance company.

Whether you’re a U.S. resident looking for comprehensive travel insurance plans or a student looking for a medical-only policy, WorldTrips insurance has coverage options.

What kind of plans does WorldTrips provide?

If you’re a U.S. resident, WorldTrips offers four single-trip comprehensive travel insurance plans: Atlas Cruiser, Atlas Journey Economy, Atlas Journey Preferred and Atlas Journey Premier. Here's a quick overview of the coverage offered by each plan.

Atlas Cruiser: This plan comes with 100% trip cancellation , 100% trip interruption , $25,000 medical expenses, $100,000 medical evacuation and $1,500 baggage loss coverage (up to $500 per item). This plan also offers optional Cancel For Any Reason coverage for up to 75% of the total trip cost (as long as you purchase it within 21 days of your initial trip payment and more than 48 hours before your trip begins).

Atlas Journey Economy: This budget plan covers 100% trip cancellation, 100% trip interruption, $10,000 medical expenses , $250,000 medical evacuation and $1,000 baggage loss (up to $250 per item).

Atlas Journey Preferred: This mid-range plan offers coverage for 100% trip cancellation, 150% trip interruption, $100,000 medical expenses, $1 million medical evacuation and $1,500 baggage loss (up to $500 per item). You can add Cancel For Any Reason coverage for 50% or 75% of the total trip cost.

Atlas Journey Premier: The priciest plan also provides the most coverage, including 100% trip cancellation, 150% trip interruption, $150,000 medical expenses (primary coverage), $1 million medical evacuation and $2,000 baggage loss (up to $500 per item). You have the option to add Cancel For Any Reason coverage for 50% or 75% of the total trip cost.

Non-U.S. residents and international students have access to medical-only policies. Annual plans aren’t available for U.S. residents.

» Learn more: The best travel insurance companies

WorldTrips travel insurance cost and coverage

WorldTrips offers several comprehensive single-trip plans that include basic trip protections and medical coverage. The cost varies based on coverage limits.

WorldTrips single-trip plan cost

Here's a comparison of the cost of WorldTrips insurance plans for a 10-day trip that costs $2,000 for a 35-year-old traveler from California. In our example, the destination isn’t specified, and the trip doesn’t include a cruise.

The Atlas Journey Premier plan comes in at $126, the most expensive option. The Atlas Cruiser plan has a similar cost of $120. The Preferred and Economy plans, which cost $103 and $79, respectively, are a bit cheaper, but come with lower coverage limits.

» Learn more: What to know before buying travel insurance

Which WorldTrips travel insurance plan is for me?

The kind of coverage you’re seeking for your upcoming travels is going to affect your plan selection. Here are a few situations which might influence your decision:

If you’ve made nonrefundable deposits for your trip: If you’re going on a safari to Kenya or on a cruise to Antarctica and you’ve prepaid nonrefundable expenses, you probably want to go with plans that offer more coverage, such as Atlas Journey Preferred or Atlas Journey Premier.

If you need to add on Cancel for Any Reason coverage: For single-trip insurance plans, go with either Atlas Cruiser, Atlas Journey Preferred or Atlas Journey Premier because they offer this optional upgrade.

If travel insurance is mandatory and you hold a premium travel rewards credit card : If a tour operator requires you purchase travel insurance but you hold a credit card that already provides some trip protections, you can probably get away with the least expensive Atlas Journey Economy policy.

» Learn more: What does travel insurance cover?

How to get a quote from WorldTrips

To get an online quote, go to the WorldTrips home page and select whether you’re a U.S. resident, a non-U.S. resident or an international student. If you’re a U.S. resident, click on that box, then fill out the form to price your plan.

Make sure to provide your state of residence, total trip cost, departure and return dates, traveler’s age and initial trip payment date. If you’re going on a cruise, be sure to check the box. Once the form is complete, select “View my plans” and compare the plan types.

What isn’t covered by WorldTrips insurance?

As with any travel insurance policy, there are some exclusions to coverage. Here’s a sampling of things WorldTrips doesn’t cover:

Intentional self-inflicted injuries, including suicide.

War, invasion or acts of foreign enemies.

Speed or endurance competitions as well as athletic stunts.

Piloting or learning how to pilot an aircraft.

Being engaged in illegal activities.

Medical tourism.

Traveling against a physician’s advice.

Operating a motor vehicle without a license.

» Learn more: How much is travel insurance in 2023?

Is WorldTrips travel insurance worth it?

WorldTrips insurance offers multiple plans for U.S. travelers looking for trip insurance and medical coverage abroad as well as non-U.S. travelers and students looking for medical coverage in case of an unexpected injury or illness.

If you travel once or twice per year, WorldTrips offers several comprehensive single-trip policy options that are worth checking out. However, if you need an annual plan, you'll want to look elsewhere.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

The best travel insurance policies and providers

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

• You purchase the plan within 15 days of your initial trip payment.
• The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
• You must be medically able to travel when you purchase your plan.

Standout features

• The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
• You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
• Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

• You purchased the policy within 14 days of the date of the first trip payment or deposit.
• You were a U.S. resident when you purchased the policy.
• You were medically able to travel when you purchased the policy.
• On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
• Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
• Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
• For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

• You must be medically able to travel at the time you pay the policy premium.
• You pay the policy premium within 14 days of making the first covered trip deposit.
• Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
• Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
• American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

• GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
• GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

• Some annual multi-trip plans are modestly priced.
• iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

• You purchase the plan within 15 days of the initial trip payment.
• The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
• All insured individuals are medically able to travel when they pay the plan cost.
• The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
• Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
• Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
• For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

• You buy this plan within 20 days of making your initial trip payment or deposit.
• You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
• You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
• Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
• You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
• Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

• World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
• World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

• Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
• Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
• Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
• Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
• Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
• Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
• Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
• Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

Introduction to HTH Worldwide Travel Insurance

• Plans Available
• How to Purchase and Manage Your Policy

HTH Worldwide Customer Service and Support Experience

Compare hth worldwide travel insurance.

• Why You Should Trust Us

HTH Worldwide Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

No one likes to think about what could go wrong on vacation, but the truth is that anything can happen. That's why travel insurance is so important — it can help you recover from any unexpected emergencies that may occur while you're away from home.

If you're looking for a reputable travel insurance company, HTH Worldwide Travel Insurance is a great option. It's been in business for over 20 years and offers three different travel insurance plans. Whether you need basic coverage or more comprehensive protection, HTH Worldwide likely has a plan that will suit your needs.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

HTH Worldwide is a travel insurance company owned and operated by Worldwide Insurance Services, which also operates GeoBlue Travel Insurance . In fact, many of the policies listed on HTH Worldwide's website are actually provided by GeoBlue, specifically its travel medical insurance . While we'll talk about those policies here, you can find more details in our GeoBlue review . 

HTH Worldwide's stand-alone products are its TripProtector trip cancellation policies. These offer comprehensive protection with relatively low premiums compared to many of its competitors. In fact, HTH Worldwide is among the companies included in our picks for the best cheap travel insurance . 

That said, with the premiums you're paying, you'll encounter some concessions. For one, HTH Worldwide's coverage limits are far below that of many of the best travel insurance companies, particularly when it comes to trip cancellation limits, which start at $5,000 per person for its Economy plan. 

Types of Policies Offered by HTH Worldwide

HTH Worldwide offers three primary plans: TripProtector Economy, Classic, and Preferred. Each plan has different coverage levels and features, so you can choose the one that best fits your needs. But they'll all cover (up to a specified amount) things like trip cancellation and interruption, emergency medical expenses, lost or delayed luggage, and more.

One important note, though, is that the TripProtector Economy plan is not available for trips where the per-person cost is greater than $5,000.

Below you'll find the per-person coverage limits of HTH Worldwide's three travel insurance plans:

These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts.

Additional Coverage Options from HTH Worldwide

In addition to the three primary plans, HTH Worldwide also offers the following two plans, through GeoBlue, for travelers only looking for travel medical coverage:

• Single-trip option for travelers with primary health insurance:  HTH Worldwide provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500.
• Single-trip option for travelers without primary health insurance:  This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.
• Multi-trip option:  This annual travel insurance plan is for people who are taking multiple sub-70-day trips within a 12-month period.

The following two plans listed on HTH Worldwide's website, also supplied by GeoBlue, are designed for people who live or work outside their home country:

• Xplorer plan: This plan is for individuals and families who intend to be outside their home country for more than three months per year.
• Navigator plan: This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.

Like other travel insurance providers, HTH Worldwide offers additional coverages that can be purchased along with the primary policy. These add-ons are only available for a Preferred plan, not an Economy or Classic plan.

The add-ons include:

• Cancel for any reason (CFAR): Will pay 75% of any prepaid trip expenses. You must purchase coverage within 21 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure. This add-on is only available for TripProtector Preferred.
• Collision Damage Waiver (CDW):  Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)

HTH Worldwide Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for HTH Worldwide plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate HTH Worldwide coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• TripProtector Economy: $93.16
• TripProtector Classic: $115.56
• TripProtector Preferred: $156.20

Premiums for HTH Worldwide plans are between 3.1% and 5.2% of the trip's cost, well within the average cost of travel insurance.

HTH Worldwide provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• TripProtector Economy: $121.41
• TripProtector Classic: $149.43
• TripProtector Preferred: $200.75

Once again, premiums for HTH Worldwide plans are between 3% and 5% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• TripProtector Economy: $610.74
• TripProtector Classic: $743.15
• TripProtector Preferred: $995.04

HTH Worldwide plans cost between 3% and 5% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• TripProtector Economy: $324.95
• TripProtector Classic: $389.12
• TripProtector Preferred: $474.12

Premiums for HTH Worldwide plans for older-age travelers are between 5.4% and 7.9%, which is well within the average cost for travel insurance. While it's certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies often quote for older travelers. 

How to Purchase and Manage a HTH Worldwide Policy

It's fast and simple to get a quote from HTH Worldwide. Visit its website and provide basic information about your trip. You'll receive an immediate quotation for the insurance plans available for your journey, so it's simple to compare each one. Make sure you have all of the following information on hand:

• Primary destination
• Age of traveler(s)
• Total trip cost
• Travel dates
• State of residence

If you're buying a trip cancellation policy, you'll be directed to the HTH Worldwide quote page, where you can choose one of three plans. If you're within the specified purchasing window, you'll also be able to add cancel for any reason coverage to the Preferred plan. 

How to File a Claim with HTH Worldwide

For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at [email protected]. For all other claims, you can call 866-655-3058.

You must notify HTH Worldwide of your claim within seven days of first experiencing the covered loss. You'll also need to provide proof of loss within 90 days after the loss. The company doesn't provide an expected window for response or payment in its terms, but said that a claim usually takes anywhere from 30-45 days to process in response to a review on SquareMouth.

You can find HTH Worldwide's claim forms here .

HTH Worldwide has relatively few customer reviews to speak of. It has an average of 4.24 stars out of five across just under 500 reviews on its SquareMouth page, which comprises the vast majority of online reviews. HTH Worldwide customer reviews were very complimentary about the purchasing experience, saying it was quick.

That said, customers also mentioned that HTH Worldwide is hard to reach for anything — purchasing, traveling, and claims. This can be especially concerning if you're trying to contact the 24/7 hotline while facing an emergency. That said, when customers were able to make contact, they had generally positive things to say about the experience.

One customer getting treated for a medical emergency was given a list of recommended hospitals in their area and HTH Worldwide's connection with GeoBlue meant that some hospitals were able to direct bill instead of the customer paying and getting reimbursed. This created some hoops the customer had to jump through, including obtaining a letter from HTH Worldwide. That said, the customer writes, "The whole thing took less than 30 minutes. With that letter in tow, I was able to be seen, treated and released without payment on my part."

Learn more about HTH Worldwide compares to some of the best travel insurance providers .

HTH Worldwide Travel Insurance vs. Allianz Travel Insurance

If you look at coverage with Allianz Travel Insurance , you'll see that you can select from 10 different insurance plans. Much like HTH Worldwide, Allianz Travel Insurance offers single-trip policies and options for those who plan to be outside the country for longer. And, like with all insurance, the different plans provide varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Compare that to HTH Worldwide's most popular TripProtector Preferred Plan and you'll see that HTH Worldwide's emergency medical coverage limit is substantially higher. But Allianz Travel Insurance's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.

Read our Allianz Travel Insurance review here.

HTH Worldwide Travel Insurance vs. Nationwide Travel Insurance

Amongst insurance providers, Nationwide Travel Insurance is one of the more familiar household names. Much like HTH Worldwide, Nationwide offers straightforward coverage with only two single-trip plans: the Essential Plan and the Prime Plan. Furthermore, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year.

To compare Nationwide and HTH Worldwide, we took a look at both companies' highest-tier plans.

Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.

In comparison, HTH Worldwide's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million.

The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.

Read our Nationwide Travel Insurance review here.

Compare HTH Worldwide vs. Credit Card Insurance

It's worthwhile to review the insurance coverage offered by your travel credit cards before you buy a separate travel insurance policy. Some essential coverages, like rental car insurance, might already be included with a card you have.

The coverage from your credit card may be enough if, for example, you don't have any non-refundable trip expenses and you're driving to your destination. Another scenario that could suffice is if your health insurance covers you while abroad, you're in decent health, and you aren't too concerned with potential medical costs while traveling.

It's essential to remember that credit card travel protection is usually secondary to the primary coverage you'd get with a travel insurance policy. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

HTH Worldwide Travel Insurance FAQs

HTH Worldwide is known for its strong focus on medical coverage, providing comprehensive support during medical emergencies, including access to a wide network of hospitals and emergency medical assistance.

Yes, HTH Worldwide offers plans that cover travel to high-risk destinations, but it's important to review the specific terms and coverage limitations for such areas.

Pre-existing conditions are covered under HTH Worldwide's Classic and Preferred plans as long as you purchase your policy within 14 and 21 days of your initial trip deposit, respectively. HTH Worldwide TripProtector Economy does not cover pre-existing conditions. 

HTH Worldwidepolicies max out at 90 days. If your trip exceeds this time frame, it's best to look elsewhere for travel insurance. 

HTH Worldwide stands out for its comprehensive coverage at affordable prices. 

Why You Should Trust Us: How We Reviewed HTH Worldwide Travel Insurance

In reviewing HTH Worldwide's travel insurance offerings, we considered things like different types of coverage available, claim limits, what expenses are included, available add-ons, and typical policy costs. We then compared them to similar plans from other top travel insurance companies.

The best policy for you is the one that offers the appropriate amount and type of coverage given your needs and budget. It should also be easy to use in case you ever need to make a claim.

You can read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Great place - Ti-Bon

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“Great place ” Review of Ti-Bon

Loved it, the waiters and all the people that work there are polite and they speak English not only Russian, the have a spot for smokers which I really appreciate specially during summer and want a cup of coffee and a cigarette in a sort of terrace. If you're ever in strovropol visit and eat here

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• Very good 52
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2 - 6 of 213 reviews

Was there for breakfast and a dinner. Quite okay, but nothing special. Very friendly staff. Rather expensive for Stavropol.

The property is in the Euro Otel. Their soups are OK, salads are mediocre, meat is just terrible. Prices are high

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• Places - Volga, the Caspian Sea and the Caucasus

STAVROPOL KRAI: COSSACKS, MEDICINAL BATHS AND DUELS

Stavropol krai.

Stavropol Krai covers 66,500 square kilometers (25,700 square miles), is home to about 2.7 million people and has a population density of 42 people per square kilometer. About 57 percent of the population live in urban areas. The city of Stavropol is the capital and largest city, with about 400,000 people.Most state-like entities in Russia are oblasts (regions). A krai was a type of geographical administrative division in the Russian Empire and modern hin the U.S.S.R. and is one of the types of the federal subjects of modern Russia. Website: Tourist Information Center of the Stavropol Territory: stavtourism.ru

Stavropol Krai embraces parts of the Kuban River and Kuban steppe and is traditional homeland of the Kuban Cossacks The Caucasus mineral waters resorts of Pyatigorsk, Zheleznovodsk, Yessentuki, and Kislovodsk have been famous since ancient times. Their thermal waters, therapeutic springs and mud have rejuvenated millions of people. Among the first Russians to be treated with these waters were soldiers of the Caucasus line. The first Caucasus mineral sanatorium was built in 1803.

Stavropol Krai has more to offer than Cossacks and health resorts. Archeologists have discovered 20 settlements and towns here, some of which are more than three thousand years old. The traditional life in Stavropol is associated with vine growing and wine making. On the slopes of the Mashuk hill is a modest monument commemorating the duel fought by the writer Mikhail Lermontov.

Stavropol is a land of mountains, ancient fortresses, the first Russian resorts and Cossack villages spread out at the bottom of the former Sarmatian sea. The first Cossacks — Terek and Kuban — settled in the Stavropol region in the second half of the 18th century without the approval of state authorities, as was the way of the Cossacks.

Stavropol means “cross”. The name is explained in different ways. According to one story, a cruciform stone was dug up during the construction of the fortress that would bear the Stavropol name. According to another story, the fortress was marked on a map with a cross to distinguish it from other forts on the Azov-Mozdok line. In any case, an image of the cross is now on Stavropol’s flag and coat of arms.

See Separate Articles: COSSACKS factsanddetails.com ; COSSACK HISTORY factsanddetails.com

Tourism in Stavropol

Accommodation: here are 122 sanatoriums and more than 400 hotels of various levels in Stavropol. A sanatorium course in Yessentuki costs 1672 rubles per day. A single “standard” room at the Hotel “Intourist-Stavropol” goes for 2600 rubles a night. Apartments in Stavropol cost 2000-2300 rubles per day.

Transport in the Region: Buses are the main way of getting around Stavropol krai. To get by bus from Stavropol to Pyatigorsk costs 1100 rubles, to Yessentuki-1350 rubles, to Kislovodsk-1300 rubles (all prices are for one adult round-trip).

Getting There: By Air: : Mineralnye Vody international airport is the main airport in the region. Stavropol Shpakovskoye Airport is located 13 kilometers northeast of Stavropol. If you are heading to the resort, it is preferable to use Mineralnye Vody airport, Many of the of resort the towns are only 30-40 minutes away by car. Flights from Moscow to Mineralnye Vody takes a little more than two hours and tickets start at 4,000 to 7,000 rubles (per adult round-trip).

By Train: Rail links connect some of the resort towns of the Caucasus with destinations in Russia and the former Soviet Union. From Moscow the travel time is about 22 hours The cost of a seat or a berth in a compartment starts at around 5,000s rubles for an adult.

By Car: Motorists have praised the roads of Stavropol are for being smooth, and durable. There are reasonable good links to neighboring regions of the North Caucasus and southern Federal districts.

Kuban Steppe

Kuban Steppe refers to a large are of cultivated steppe in southeastern Russia situated roughly between the Caucasus mountains, the Black Sea, the Caspian Sea and the Volga and Don Rivers. It is a rich agricultural area and the traditional home of the Kuban Cossack group. Many people died here during the forced collectivization in the 1920s and 1930s.

The Kuban steppe is one of the major steppes in Europe, located in between the city of Rostov on Don and the Caucasus Mountains. It is named after Kuban River which flows through it. The Kuban flows mostly through Krasnodar Krai for 660 kilometers (410 miles) but also in the Karachay–Cherkess Republic, Stavropol Krai and the Republic of Adygea. The Kuban flows 870 kilometers (540 mi) north and west from its source near Mount Elbrus in the Caucasus Mountains, eventually reaching Temryuk Bay in the Sea of Azov.

The Kuabn Steppe is part of the Great Eurasian steppe that stretches from Mongolia and the Great Wall of China in the east to Hungary and the Danube River in the west. It is bounded by the taiga forest of Russia to the north and by desert and mountains to the south. It is located at about same latitude as the American plains and embraces a dozen countries, including Russia, China, Mongolia, Kazakhstan, Kyrzgzstan and several other former Soviet Republics.

Describing the steppes, Polish Nobel laureate Henry Sienkiewicz wrote in With Fire and Sword, "The steppes are wholly desolate and unpeopled yet filled living menace. Silent and still yet seething with hidden violence, peaceful in their immensity yet infinitely dangerous, these boundless spaces were a masterless, untamed country created foe ruthless men who acknowledge no one as their overlord." Steppes are covered mostly by sparse grass or grasses and shrubs such as saxual. Trees are often stunted. Large trunks, branches and leaves require a lot of water to maintain. When the steppes meet the foot foothills, you can find wild poppies, even wild opium poppies.

Stavropol City

Stavropol (430 kilometers southeast of Rostov-on-Don) is a city of 300,000 with historic ruins from the 10th and 11th century as well as a magnificent forest preserve and botanical gardens. Located on a broad plateau, it was used as military supply depot for the Russian military campaigns in Caucasus and is the traditional home of the Kurban Cossacks.

Former Soviet leader Mikhail Gorbachev was born in a village of Privolnoe, about 150 kilometers (90 miles) from Stavropol was educated and rose through the Communist party ranks in Stavropol. Sights include the 19th-century St. Andrew's Cathedral and the Regional Museums, with Cossack uniforms, weapons and memorabilia, and an art museum.

Stavropol began as small fortress on the Azov-Mazdokskoy defensive line built in 1777 on the orders of Catherine the Great the Great to protect the southern borders from attacks of Tatars and Turks and become one of the major political centers of the North Caucasus. Among its early residents were Khoperskaya Cossacks, builders of the fortress’s stone cross.

Stavropol is located on the 45 degree latitude line and is thus equal distance from the North Pole and the Equator. It is said if you make a wish on a clear moonlit night at "Pirogov" and "45 parallel" street your wish will come true. Stavropol is said to be one of the greenest cities in Russia. One of the first thing that strikes visitors is an incredible amount of greenery and flowers found throughout the city. Parks and public gardens are common sights It is said over 800,000 flowering plants are planted annually. The city is home to the largest botanical garden in southern Russia.

Sights in Stavropol

Stavropol is a a historical city, there are more than 200 historical cultural and architectural monuments. Castle Mountain is in the historic center of city. In addition to historical monuments, there is a musical fountain. Nearby is the Memorial Fire Eternal Glory. It has a memorial panel that reads: "We won!" and the names of 10,000 heroes who defended the Motherland during World War II.

In the center of the city is located the Alexander area, or, which locals, call "Angel Square" because of a monument located there. In the old days, the area was home to the largest market in Stavropol, where farmers from neighboring villages came to sell their products. The German bridge was built in tsarist times. The largest archaeological site, Ciscaucasia, lies in an area of old-growth forest near Stavropol.

Stavropol State Circus is housed in a building equipped with a modern theater and circus facilities. It hosts circus performances and well as theater events and concerts. Famous Russian stars such as Philip Kirkorov, Vladimir Kuzmin, Irina Allegrova, Sofia Rotaru, Valeriy Meladze and Tatyana Bulanov have appeared as has the singer Maxim and the group Boney M. The building itself looks like like a UFO.

Tatar Settlement (near Stavropol) is an archaeological site covering an area of about 200 hectares with artifacts and remains from different eras. According to archaeologists, Scythians, Sarmatians, Khazars and other groups lived here consistently from the 8th century B.C. to the 10th century. In the crypts and ruins of the ancient fortress archaeologist have found antique ceramics and household items. According to stories, there are unexplained energy failures: cell phones stop working, compasses show the wrong direction, people lose orientation.

Stavropol Cossack Song and Dance Ensemble

The Stavropol Cossack Song and Dance Ensemble has an international reputation. The history of the ensemble starts with 1981 when choreographer Anatoly Pavlovich Brunilin and musical director, composer Viktor Kamyshnikov combined their talents and recruited leading educators, choreographers, musicians, creative young people and students from Stavropol city schools.

Today the group receives funding from Stavropol Ministry of Culture and employs more than 150 people and is comprised of three main creative groups: orchestra, choir and ballet. Honored Artist of Russia Ivan Gromakov has headed the group since the early 1990s. Stavropol enseemble the only professional creative team in Russia that weaves together folk traditions of the Cossack Kuban groups with traditions from the Don, the Volga, Ukraine, North Caucasus, the Central Russian Plains

The ensemble’s programs are structured to tell dance and song stories of Stavropol’s past and present. Themes and inspiration for the musical and choreographic narrative includes Cossack exercises, violent "duels", training and recruiting. Some works feature weapons with the spirited calls harmonics blows and hot youthful dancing. Others have highland harmonics and incorporate Circassian, Ossetian and Karachay dances. Among the audience favorites are fire dances, Cossack pereplyas, charming stanitsa quadrille dances and games with top-instigators.

Spas of the Central Caucasus

Spas of the Central Caucasus ar located among groups of extinct volcanos located where the Kurban steppes rises into the northern Caucasus mountains. The spas have been visited since the 18th century when the upper classes used them to seek relief from variety of ailments and host balls and seek suitable spouses. Today they are visited mostly by middle class holidaymakers and workers who still have Soviet-era holiday privileges.

Known in Russian as Kavkazskie Mineralnye Vody (Caucasus Mineral waters), the region boasts 130 hot and cold mineral springs and the luxurious spas, elegant hotels, parks, gardens and recreation facilities that accompany them.

There are four main spa towns —Kislovodsk, Yessentuki, Pyatigorsk and Zhelznovodsk, each with its own Intourist hotel — plus the transportation hub and industrial town of Mineralnye Vody. The whole area is associated with Romantic writer Mikhail Lemontov who set some of his stories here and was killed in a duel in Pyatigorsk in 1841. He is regarded as Russia’s second greatest poet after Pushkin.

Generally, each spa is associated with a different ailment. In most cases you are supposed to drink the water rather than bath in it to receive its benefits. In some cases you can walk in off the street and enter a building called an “istochnik” ("spring") and drink the water, but in most cases you need a pass which is only given to those staying at the sanatoria. The most famous spas are Narzan Baths at Kislovodsk and the Lemontov Baths at Pyatigorsk. The spas around Lake Tambukan offer silt mud baths. In Stavropol Krai there are more than 120 sources of natural balneal and drinking mineral water. There are mud springs with therapeutic mud.

Pyatigorsk (160 kilometers southeast of Stavropol) is regarded as the capital of the spa region. Located at an elevation of 550 meters and sitting below 993-meter high Mt. Mashuk and 1,401-meter-high Beshtau, it was founded in 1780 and is home to 110,000 people. Pyatigorsk is a pleasant place full of trees and fine views of mountains. Many of the springs are warm (over 60 degrees C) and have a relatively high sulfur content. There are lots of hiking, skiing and mountaineering opportunities. Horse races are held twice a week and classical music concerts are regularly held.

Activities and attractions include the cable car ride to the conical summit of Mt. Mashuk; the Aeolian Harp preservation point; Lemontov's Grotto, a small cave visited by the writer; the Academic Art Galley,; the Spa Exhibition; and Prival, a cave open to the sky where a couple used to dance on a bridge above a pond. A monument marks the spot where Lermontov died in the duel. The Central Flower Park contains the glass-and-metal Lermontov Gallery, a small artificial cave called Diana's Grotto, an eagle sculpture and Chinese pavilion. Elsewhere in town you can find the Spa Research Institute, the Regional Museum and the Lermontov Statue and Museum.

Eagle Sculpture is a famous symbol of the Caucasus Mineral Waters. The bronze eagle with a snake in its claws represents health-improving qualities of the waters. After having been bitten by the poisonous snake, the dying eagle falls into a mineral spring and is brought back to life.

Aeolian Harp (“Eolova Arfa”): An Aeolian harp (also wind harp) is a musical instrument that is played by the wind. Named for Aeolus, the ancient Greek god of the wind, the traditional Aeolian harp is essentially a wooden box including a sounding board, with strings stretched lengthwise across two bridges. The one in Pyatigorsk was built on Mashuk mountain and has a round arbor with columns. Designed by the Bernardazzi brothers architects at the beginning of the 1830s, the harp consists of a wooden case with two harps and stone floor. Under the influence of a wind the vane rotates and produces musical sounds. Now the Aeolian harp is equipped with an electromusical instrument.

Cossack Farmstead Tourist Ethnographic Center (in the village Borgustanskaya 40 kilometers west of the Stavropol) created with the goal of introducing visitors and locals alike to the Cossack culture, life and traditions. It contains a Cossack hut, watchtower and Cossack fortification. There are also theater performances by folklore groups and workshops featuring Cossack crafts.

Place Associated with Mikhail Lermontov and His Death in a Duel

The famous Russian writer Mikhail Lermontov lived in Pyatigorsk and was killed in a duel there The Lermontov State Museum-reserve was founded in 1912. The Lermontov quarter contains houses preserved in their original form that the poet visited and lived in. The most famous is a house with a reed roof, where Lermontov lived the last two months of his life. Places mentioned Lermontov in his poetry include the “Princess Mary” gazebo “Aeolian harp” on mount Mashuk, Elizabethan spring (the present-day center of resort life), Lermontov Grotto (where the poet painted “View of Pyatigorsk”), Cave “Failure” with the famous lake and the rock on which the “Hero of Our Time” were shot by Grushnitsky and Pechorin and the place where Lermontov and Nikolai Martynov fought their duel. The “Tour of Lermontov places Pyatigorsk” stops at these places.

A monument marks the spot where Lermontov died in the duel with Martynov. After visiting Moscow, on May 9, 1841,Lermontov arrived to Stavropol, introduced himself to general Grabbe and asked for permission to stay in the town. Then, on a whim, he changed his course, found himself in Pyatigorsk and sent his seniors a letter informing them of his having fallen ill. The regiment's special commission recommended him treatment at Mineralnye Vody. What he did instead was embark upon the several weeks” spree. “In the mornings he was writing, but the more he worked, the more need he felt to unwind in the evenings,” Skabichevsky wrote. “I feel I'm left with very little of my life,” the poet confessed to his friend A.Merinsky on July 8, a week before his death.

In Pyatigorsk Lermontov enjoyed himself, feeding on his notoriety of a social misfit, his fame of a poet second only to Pushkin and his success with A Hero of Our Time. Meanwhile, in the same salons his Cadet school friend Nikolai Martynov, dressed as a native Circassian, wore a long sword, affected the manners of a romantic hero not unlike Lermontov's Grushnitsky character. Lermontov teased Martynov mercilessly until the latter couldn't stand it anymore. On July 25, 1841 Martynov challenged his offender to a duel. The fight took place two days later at the foot of Mashuk mountain. Lermontov allegedly made it known that he was going to shoot into the air. Martynov was the first to shoot and he aimed straight into the heart, killing his opponent on the spot. On July 30 Lermontov was buried, without military honours, thousands of people attending the ceremony.

Pyatigorsk Sanatoriums and Resorts

Zori Stavropol Sanatorium is located in the center of Pyatigorsk, near the park Flower Garden in its own landscaped grounds. Pyatigorye Sanatorium is near Lake Failure on the slopes of Mount Mashuk For more than half a century, it has welcomed guests. It has its own well-kept park. Lesnaya Polyana Sanatorium is the largest health resort of Pyatigorsk. It is also known as . Preventive clinic Trade Unions' Center for Regenerative Medicine sanatorium Forest Glade.

Don Sanatorium consists of four dormitories and other buildings, in close proximity to each other: the medical building, catering, club gymnastics hall, a swimming pool with sauna, spas and drinking well-room. Pyatigorskaya Balneogryazelechebnitsa is the largest balneological medical institution in the region. Pyatigorsk Clinic Institute of Spa is located in four-storey building located in the heart of of Pyatigorsk at the foot of Mashuk Mountain, just outside mineral water the pump-room.

Zori Stavropol Sanatorium is housed in single complex of buildings located in the city center, in its own protected landscaped area, where the price corresponds to quality spa services. Sanatorii 'Spread' is located in the center of the spa area in the immediate vicinity of the main sources of drinking mineral water in front and MY house museum Lermontov. The territory borders the medical park. Sanatorium Mashuk Boc has been operating throughout the year for more than a quarter of a century.

Kislovodsk (32 kilometers southeast of Pyatigorsk) is the second most popular spa area in the Caucasus. Located at an elevation of 822 meters, it is higher, greener and cooler than Pyatigorsk and is the birthplace of Alexandr Solzhenitsyn. The springs are known for their rich, carbonic waters.Narzan Spring is the most famous. It is housed in a building with a glass dome and Gothic gallery designed by a British architect.

Other attractions include Kurortby park, covering a large area and containing sculptures and exhibitions; the Local Lore Museum, the Culture Museum of Music and Theater; and the Art Museum. Among the hiking destinations are 1,376-meter-high Mt. Maie Sedio and 1,484-meter-high Maly Dzhinal.

Kislovodsk State Circus of Caucasus Mineralnye Vody region is one of main non-spa attractions in the region. The circus has entertained many generations with its magic and produced many circus performers. For many years the circus was under the leadership of Gennady Trakhtenberg.

Ring Mountain is about 900 meters high and is located on the outskirts of Kislovodsk. Over the millennia, winds and rains have eroded an eight-meter-high circular passage through the wall. People like to watch the sunset through this stone ring, which was described by Lermontov. Legends about Ring mountain were told by ancient peoples. It was believed, for example, that a warrior who galloped through the gate in full armor, became invulnerable. Some tourists stand in the arch for good luck.

Museum of AI Solzhenitsyn

Museum of AI Solzhenitsyn honors Aleksandr Solzhenitsyn who born in Kislovodsk in 1918 and lived there during his childhood. The museum is housed in a the house of his aunt MZ Gorin, where the writer lived from 1920 to 1924. In 2008, Presidential Decree house recognized the house a a cultural heritage of federal importance and opened in 2014 as the Information and Cultural Center "AI Museum Solzhenitsyn "(ECC" Museum of Solzhenitsyn ").

The Museum of AI Solzhenitsyn hosts interactive programs, literary readings, art festivals and contests. Permanent exhibition center is connected with Stavropol and Solzhenitsyn’s early life. It has materials on the writer’s childhood and adolescence, the tragic events of war, followed by his development as a writer before the publication in 1962, the novel "One Day of Ivan Denisovich", which brought the author international recognition.

The Later life of Solzhenitsyn covers the writer as a prominent figure in diverse multimedia content. There is an information desk. Touch screens, video screens and tablets can be used took at materials, records, Solzhenitsyn works, interviews with the writer, and fragments of documentaries and feature films,

Multimedia form of organization and presentation of information do AI Museum Solzhenitsyn's most modern branch of the GLM, a kind of testing ground in the application and use of the latest museum technologies and information resources. In 2015, the museum planned to create an Astronomical Club in memory of Solzhenitsyn teaching astronomy at school.

Kislovodsk Spas and Sanatoriums

Narzan Baths is perhaps the most famous spa of the Central Caucasus resort area. Part of the complex is housed in a building with a glass dome and Gothic gallery designed by a British architect. Sanatorium Narzan is located in the historic center of the city near the medical park and railway station, It is The main building is one of the most beautiful in Kislovodsk. It was built in 1903 for the 100th anniversary of the resort. The Narzan Gallery is located at the end of Karl Marx Avenue, The interesting historical monument took ten years to build between 1848 and 1858.

Horizon Sanatorium is one of the most comfortable and well-equipped health centers in Kislovodsk. Sanatorium Zarya Russian President Administration is located in the southeastern part of Kislovodsk medical park. Sanatoriy Gina is located in Kislovodsk Dzhinalskogo at the foot of the ridge. Eight-piece housing accommodates 240 visitors. Sanatorium Narzanov is recognized as one of the best resorts for the treatment of cardiovascular diseases. Sanatorium. Gorky treats patients with diseases of the cardiovascular system, respiratory system, and musculoskeletal system

Sanatorium Fortress was built in the same place, the birthplace of Kislovodsk resort, next to the walls of the fortress, where there is a mineral water source used since in the middle of the nineteenth century. Sanatorium Sunny features European service and high-quality medical services. Sanatorium Samara offers effective treatment for diseases of the cardiovascular system, metabolic disorders, diseases of the respiratory system, the musculoskeletal system and the nervous system.

Sanatorium Victoria is situated in the central part of the Kislovodsk near the Zhelyabovsky pump-room, Sanatorium. GK Ordzhonikidze is part of the Federal Medical Center and Federal Property Management Agency, which also includes Health Hotel Orbita-2, Sanatorium Kolos is located in the historic center of town. There are also several children Sanatoria. Sanatorium Change of the Federal Medical and Biological Agency of Kislovodsk is located in the center, a few steps from the spa park.

Yessentuki and Its Sanatoriums

Yessentuki (16 kilometers from Pyatigorsk) is the smallest of the Caucasus spa towns. It is home to 15,000 people and its waters are known for curing digestive and kidney ailments. Worth a look are the Art-Nouveau Muslim-style Tehlmann Sanatorium and the African-style Otsr Robsky Baths

Five Thousand Drinking Gallery Meters at Sanatorium Victoria is the largest drinking gallery in Europe, with 5000 visits per shift and three types of mineral water. Mineral Gallery No. 4 is located in the center of a resort zone of the city.Sanatorium Complex Rus is a respectable new resort complex located in the resort and park area of Yessentuki. Tsanderovskiy Institute Mechanotherapy has been conducting mechanotherapy for more than a hundred years. Medical Center Youth is a Children Sanatorium located in the center of Yessentuki, in close proximity to the park and the therapeutic mineral springs. Sanatorium Source is a new, modern versatile medical-health complex.

Sanatorium Miner is regarded as one of the better resorts of the North Caucasus. Sanatoriy Valley Narzanov is located in the heart of the city. Sanatorium Pearl of the Caucasus is situated in the Upper spa park, near the drinking gallery. Sanatorium Russia is the scientific and clinical branch of the Russian Scientific Center of Medical Rehabilitation and Health Resort Russian Ministry of Health. It offers services for health resort treatment and medical rehabilitation.

Sanatorium Kazakhstan is included in the Medical Center of Administrative Department of the President of the Republic of Kazakhstan. State Budget Institution of Social Services' Regional socio-health center Caucasus has been functioning since 1996, is located in the southern part of the spa park area of Yessentuki.

Semashko Mud-Treatment Center

Semashko Mud-Treatment Center is regarded a one of the most beautiful spa buildings. It occupies half a block in the center of Yessentuki and is impressive for its austerity and unusual appearance. The greenery of the park that surrounds it provides a perfect background for it rusticated walls made of roughly finished Kislovodsk dolomite. A slender portico with two rows of Ionic columns is accessed ramps guarded by stone lions.

In 1911, the St. Petersburg Society of Architects announced a competition for the design of a mud bath clinic in Yessentuki, The winner — Evgeny Shretter and the Academy of Architecture — received a generous financial reward and created a true architectural masterpiece: a basically classical structure designed to accommodate the, balneology technology of its time.

The clinic started operating in 1915. Although it was constructed long ago, the mud therapy clinic has preserved its traditional functions while incorporating new state-of-the-art equipment. It is now a medical complex with well-coordinated engineering equipment, infrastructure, transfer equipment and facilities, support departments, and the technological process required for mud-bath treatment. The two-storey mud treatment clinic has a basement equipment level and consists of four buildings that have treatment places for 220 patients in 62 booths. The mud treatment clinic, built in the style of Roman baths, now provides treatment for about a thousand people a day.

Visitors can take a guided tour around the mud therapy clinic on Tuesdays and Thursdays. Your guide will tell you about the history of the construction and development of the mud baths. The group visits the rooms, the medical building, the equipment level, and learns about storage and use of Tambukan mud.

Zheleznovodsk and Its Spas and Sanatoriums

Zheleznovodsk (between Kislovodsk and Pyatigorsk) is regarded as the least appealing of Caucasus spa towns. It is home to 70,000 people and is best known for it mud baths.

Sanatorium Health is located in the medical park a 5-minute walk from the city's main sources of water: Slavyanovsky, Smirnovsky, Lermontov. It was founded in 1934. The sanatorium named after the 30th anniversary of the Victory specializes in urological health. It is one of the leading centers in the Caucasus Mineral Waters regions for the diagnosis and treatment urogynaecological diseases.

Sanatorium Mashuk Akva-term is located in the green zone. Sanatoriy Valley Narzanov is located at the foot of Beshtau mountain, five kilometers from Zheleznovodsk. Sanatorium Oak Grove Russian President Administration is a year-round balneological health resort that won a national contest

Mineral Baths of Ostrovsky were built at the end of 1893 and was described as one of the best buildings in Europe at that time. The candy-cane-striped facade of the building is decorated with tall windows with Moorish arches. A wide porch is topped by a colonnade. There are showers and offices equipped with the necessary adaptations. The baths introduced an innovative filling system in which the healing water in the baths was taken directly from wells.

Palace of the Emir of Bukhara

The palace of the Emir of Bukhara (in Zheleznovodsk) is one of the main landmarks of Zheleznovodsk. Its bizarre oriental-style forms give the town a special flair. The dome, minaret, balconies decorated with patterns, ceramics, and intricate carving appear to have emerged from the pages of 1001 Nights. The main entrance to the palace has an elegant stone staircase with several flights of stairs. Sculptures of lions that symbolize the power of the owner. The in Arabic greeting “Peace be upon you, those who enter here” is written on the arch of the palace.

After the defeat of the Emir's army in Bukhara in present-day Uzbekistan in 1875, the Bukhara Khanate became a vassal of Russia. The Emir lived in his khanate, in the small town of Kermine, but was listed in the Terek Cossack Army, and was given a high military rank by the Russian tsar. The emir came to the Caucasus regularly for his health, which is why he wanted to build his own summer residence here. The palace in the Moorish style was designed by architect V. N. Semenov.

In 1910, Seid Khan's son, Tyura-Jan-Mirza-Alim Khan, became the Emir of the Bukhara Khanate. He continued the construction of the palace, which he let the tsar's family use in 1913 on the occasion of the 300th anniversary of the Romanov dynasty. In 1915, the palace of the Emir of Bukhara was turned into a hospital. After the Emir lost his power and the Soviet authorities took over in1920, all his property was nationalized. The palace was converted into the resort of the Central Administration for Social Insurance. After the war, the sanatorium was named after Comrade Ernst Thalmann, the deceased leader of the German Communist Party. In 1960, the health resort was renamed Udarnik (“Highly efficient worker”), but in the 1970s it once again became a part of the resort named after Thalmann.

The palace has a very sophisticated layout, with many passages, staircases, and corridors. The dome and the minaret feature a spiral staircase crowned with crescents. A prayer space is inside the palace. In its front part, there are richly decorated rooms for audiences, which still have their marvelous ceiling decorations. A huge Art Nouveau style fireplace, decorated with tiles, has also survived to the present day, too. In addition to the main building, there is another building, which housed the harem. It is connected with the palace with a flying wooden bridge.

Ethno Village of Nekrasov Cossacks and the Spiritual Molokans

Ethno Village of Nekrasov Cossacks and the Spiritual Molokans (150 kilometers east of Stavropol) is set up in an area settled by descendants of Nekrasov Cossacks who fled to Turkey after the defeat of the Bulavinsky uprising in 1708 and lived there for and two and a half centuries, preserving the language and traditions, and returned to Russia in 1962. Nekrasovtsy Cossacks are descendants of Don Cossacks rebels led by Kondrat Bulavin in 1707-1709.

Entrance to the ethnic village is 120 rubles for adults, 50 rubles for children. Activities including tea ceremonies, workshops on folk crafts-embroidery, clothing, beading, painting, making clay toys-concerts. The ensemble “Nekrasov Cossacks” performs centuries-old songs and dances. From Stavropol to Nowokunski buses. Fare-1400 rubles (per adult round-trip). Travel time 5 hours. Organizer: "Center of traditional Russian culture Nekrasov Cossacks and spiritual Molokans" (postal address:. 357965, Stavropol Territory, Levokumsky district, Novokumskits, Michurin st, 1B.).

Route "Heirs of Traditions" introduces visitors to the cultural and historical heritage Nekrasov Cossacks and spiritual Christians (Molokans). Tourists visit-Nekrasov Cossacks Museum, Old Believer church and the vineyards and wine cellars at JSC Levokumskij. During a visit to ethnovillage tourists get acquainted with the lifestyle, traditions, rituals, traditional crafts Nekrasov Cossacks and spiritual Molokans. Everyone will be able to try on traditional costumes of the Cossacks and spiritual Molokans, bake bread in a Russian stove, cook traditional dishes:. Threefold, plyaschindu, Kanysh with fist pyshechki etc. Compound spiritual Molokans is famous for its honey shop. Steppe grasses honey is said to be cure for colds and asthma. Visitors will also visit houses now occupied by Nekrasov Cossacks family and spiritual Molokans.

Molokans (from the Russian word for "dairy-eater") are members of various Christian sects that evolved from Eastern Christianity in the East Slavic lands. Their traditions — especially dairy consumption during Christian fasts — do not conform to those of the Russian Orthodox Church, and they were regarded as heretics (sektanty). There are almost as many different customs among Molokans as there are Molokans. Some built chapels for worship, kept sacraments, and revered saints and icons, while others (like Ikonobortsy, "icon-wrestlers") discarded these practices in the pursuit of individual approaches to scripture.

Image Sources: Wikimedia Commons

Text Sources: Federal Agency for Tourism of the Russian Federation (official Russia tourism website russiatourism.ru ), Russian government websites, UNESCO, Wikipedia, Lonely Planet guides, New York Times, Washington Post, Los Angeles Times, National Geographic, The New Yorker, Bloomberg, Reuters, Associated Press, AFP, Yomiuri Shimbun and various books and other publications.

Updated in September 2020

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