Visas · insurer fileWorldTrips
WorldTrips eligibility rules
Possibly the best default for already-departed travellers and scooter riders. Every row below is taken from WorldTrips's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Most countries | US and non-US citizens eligible outside their home countries. | verified |
| No fixed country of residence | With conditions | Home-country logic; nomads routinely covered outside declared home. | partly |
| Buying after you have left home | Yes | Effective date can be 'the moment you depart'; purchasable while traveling (one FAQ extraction conflicted, verify at checkout). | partly |
| Maximum age | No stated cap | No max age. 65–79 capped at $100,000 overall; 80+ capped at $10,000. | verified |
| One-way and open-ended trips | Yes | Cover simply ends when you return home; no return requirement. | partly |
| Longest trip | 12 months | 5–364 days, max 12 months including extensions. | verified |
| Pre-existing conditions | With conditions | Excluded; acute onset covered up to overall max for under-80s. | verified |
| Cover in the USA | Yes | Atlas America includes USA for non-US residents. | verified |
| Schengen visa certificate | Yes | “Meets Schengen visa requirements”; letter via member portal, confirmed on official FAQ. | verified |
| Winter sports | Yes | In-bounds recreational ski/snowboard covered by default. | verified |
| Scuba diving | With conditions | Recreational sports default; several water sports on the excluded list, check yours. | partly |
| High-altitude trekking | With conditions | Mountaineering ≥4,500m excluded. | verified |
| Scooters and motorbikes | Yes | Ordinary motorcycle/scooter riding not excluded (dirt bikes, ATVs and racing are); helmet required via safety-equipment condition. | verified |
| Working abroad | With conditions | No general occupational exclusion; workers'-comp claims excluded. | verified |
| Trip cancellation | No | Atlas Travel has interruption only; Atlas Journey (US residents) for cancellation. | verified |
| Families | Yes | Family purchase supported; group discount for 5+. | verified |
Who underwrites it
TMHCC (CI) Insurance SPC Ltd. The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to WorldTrips. That is disclosed on every link, and it never changes where they appear or in what order. Per referral sale (copy ambiguous); rates unpublished.
Sources: worldtrips.com, worldtrips.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.