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As of June 2021, the travel insurance division of Tokio Marine HCC, formerly known as Tokio Marine HCC – Medical Insurance Services Group (TMHCC-MIS Group), is now called WorldTrips. WorldTrips is still a division of the Tokio Marine HCC group of companies. Tokio Marine is one of the world’s largest and most respected insurance companies, writing business in many countries and in many lines of business.

Read on to learn more about WorldTrips and how their plans can cover you for your global travels.


WorldTrips was established as Tokio Marine HCC – Medical Insurance Services (TMHCC-MIS) in 1998 in Indianapolis, Indiana. Since then, they have grown to be one of the largest providers of travel-related insurance products with customers around the globe. The services WorldTrip offers have allowed people to travel worry-free for over 20 years.


WorldTrips is focused on providing the right travel insurance product for every budget and trip. They have multilingual agents on staff ready to assist you, whether you need help with researching and purchasing your travel insurance policy or if you have questions about how to file a claim.

Many times, your existing health insurance will not cover incidents that happen outside the US or while you are traveling. Therefore, it is important to have trip or travel insurance in addition to any regular health insurance you have.


WorldTrips offers many different travel insurance products for all your travel-related needs. They provide travel medical insurance to residents of 130+ countries and trip insurance to US residents.

Travel Medical Insurance Plan

Atlas Travel Insurance is a great option for travel medical insurance. The plans are flexible, allowing you to decide your policy length, deductible, and coverage limits.

  • Deductibles range from $0 and $5,000 per period
  • Policy limits up to $2,000,000
  • Up to $1,000,000 for emergency medical evacuation
  • Up to $10,000 for trip interruption coverage
  • Up to $25,000 for Personal Liability
  • Includes coverage for COVID-19-related expenses that are eligible

Premium Travel Medical Insurance Plan

The Atlas Premium Travel Insurance plan offers the same flexibility as the Atlas Travel plan but is designed for travelers looking for policies with higher available limits. You can still select your coverage limits and deductible level.

  • Your choice of deductible ranging from $0 to $5,000
  • Policy limits up to $2,000,000
  • Emergency Medical Evacuation coverage Up to $1,000,000
  • Up to $15,000 for Trip Interruption
  • Up to $100,000 for Personal Liability
  • Includes medical coverage COVID-19 related expenses

Group Travel Insurance Plan

Atlas Group Insurance is a smart choice for groups of five or more travelers. This is ideal for missionary groups, students, organizations, and even larger families to take advantage of group rates for travel insurance.

Purchasing Atlas Group Insurance means you’ll have access to the same great benefits as the Atlas Travel Plan but built for groups.

  • Deductible ranges between $0 and $5,000
  • Policy limits up to $2,000,000
  • Emergency Medical Evacuation coverage is up to $1,000,000
  • Includes coverage for injuries resulting from covered sports and activities – exclusions listed in the policy
  • 24/7 emergency travel assistance services available

Annual Travel Insurance Plan

WorldTrips offers Atlas MultiTrip Insurance to cover you for all of your planned and last-minute international travel throughout the year with one plan. This is a great option for frequent business or pleasure travelers and those who may need to travel spontaneously to visit family or for other emergency obligations. The plans cover trips of up to 30 or 45 days during a 364-day period with one convenient premium payment.

  • Deductible of $250 per trip
  • Policy limits up to $1,000,000
  • Up to $1,000,000 for Emergency Medical Evacuation
  • Up to $25,000 for Personal Liability
  • Includes medical coverage for eligible expenses related to COVID-19
  • Children and spouses may be added to the policy

International Student Health Insurance Plan

The StudentSecure Insurance plan is a smart choice for students traveling overseas to study for a term or a year. This plan meets J-1 Visa requirements and most other visa requirements your country of choice may require. WorldTrips’ plans also generally meet your college or university plan requirements – meaning you’re free to travel and study abroad!

There are four plan levels for students studying internationally to fit every budget and need:

  • Elite – The Elite plan has an overall maximum benefit of $5,000,000, with $500,000 per incident. The deductible is $25 per injury or illness.
  • Select – The Select plan has an overall maximum benefit of $600,000, with $300,000 per incident. The deductible is $35 per injury or illness.
  • Budget – The Budget plan has an overall maximum benefit of $500,000, with $250,000 per incident. The deductible is $45 per injury or illness.
  • Smart – The Smart plan has an overall maximum benefit of $200,000, with $100,000 per incident. The deductible is $50 per injury or illness.

Trip Protection Insurance

Atlas Journey Trip Protection Insurance is available to residents of the United States for trips they are planning either internationally or domestically. Trip cancellation insurance is important – many unexpected things can happen to postpone or cancel your trip, costing you thousands in lost deposits and trip expenses.

Atlas Journey offers three different levels of trip protection insurance to meet your travel needs – Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy. If your trip must be canceled due to a covered reason, your expenses will be reimbursed according to your plan level.

Some covered trip cancellation reasons include:

  • Sickness, injury, hospitalization, or death
  • Travel advisories issued for your trip destinations
  • Terrorist incident or civil unrest in your trip destinations
  • Delay or cancellation of the common carrier due to strike, inclement weather, natural disaster, or mechanical breakdown
  • Cancellation of an event prior to scheduled departure

Trip Protection Insurance (After Departure)

Atlas On-The-Go Trip Protection Insurance is there for you while you are traveling. Many things can happen unexpectedly after departure to ruin your vacation. That’s why Atlas On-The-Go trip protection insurance is important.

This coverage is designed for US residents when they travel abroad or domestically. It protects against unexpected illness or injury, trips cut short unexpectedly, and lost or stolen baggage and personal items.

Some highlights of the plan include up to $1,500 per person for trip interruption and up to $200 per day for a travel delay of five hours or more. $500 is also available for baggage delays of 12 hours or longer.

Travel assistance is included with this plan. Travel assistance includes help with emergency assistance, concierge services, medical referrals, interpreter/translation services, and more.

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