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Travel Insurance Reviews WorldTrips Atlas Journey Premier

Atlas Journey Premier, underwritten by U.S. Specialty Insurance Company (USSIC), is a comprehensive travel insurance plan for U.S. residents traveling domestically and abroad. It offers the highest coverage limits of the Atlas Journey series.

To learn more, see the WorldTrips Atlas Journey Premier product page.

Customers rated the WorldTrips Atlas Journey Premier plan
4.33 out of 5
35
ratings and reviews
88%
recommended
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Cruise
Filed claim
The trip included a
cruise
tour
WorldTrips Atlas Journey Premier
I purchased this trip in case my uncle passed and we needed to cancel our trip. Unfortunately, he did, but it didn't affect our vacation. Then my child's mental health began to decline rapidly and she ended up being hospitalized. Since we canceled a portion of our trip while we were researching mental hospitals rather than waiting to cancel until after she was admitted, they denied our claim, stating the policy was not "in effect" since we canceled that portion of our trip too early. How convenient for them! Beware - make sure you cancel your trip from your hospital bed!
Charlie R. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Angie
    Photo
    Hello Charlie. We apologize for any inconvenience you may have experienced. It looks like you have requested to not be contacted regarding your review. If you change your mind, please email us at [email protected] with your name and policy number, along with a reference to this review. We will be happy to assist you. Thank you.

    Jun 20,2024
The trip included a
cruise
tour
WorldTrips Atlas Journey Premier
They did not reimburse me properly for my trip cancellation for more than 48 hours by the airline.
Vitaly L. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
tour
WorldTrips Atlas Journey Premier
My review is solely based on the services provided for the price. Thankfully, I did not have to file a claim.
Yazmin H. would recommend this plan to a friend or relative.
1 of 4 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
tour
WorldTrips Atlas Journey Premier
The biggest drawback to this plan is that practically speaking it is worthless when facing terrorism or threats from conflicts. There is no cancellation coverage until the State Department applies a “Level 4 Do Not Travel” rating, which they are not likely to do in many cases for diplomatic reasons, or until there is a terrorism incident within 30 days of your travel to a city on your itinerary. For example, even now, Israel is not rated at level 4, even with an ongoing conflict. So, you have to depend on your travel company to cancel the trip voluntarily and give you a refund. Also, bear in mind that many incidents that are terroristic are not labeled as such by our government for various reasons. They do not rate countries or classify behaviors with the safety of citizens as their first priority. Rather, they make ratings and designations for political or diplomatic reasons. This means that criteria such as these are not useful for determining if it is safe or psychologically comfortable to travel. In short, be aware you are unlikely to be able to alter you travel plans for these reasons, even when conditions are risky.
Suzanne W. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
tour
WorldTrips Atlas Journey Premier
We purchased an Atlas Journey Premier plan in early September for a tour of Israel in November, 2023. Our tour was cancelled following the October 7 violence. Our claims were paid in full two weeks after we filed them. We would use WorldTrips again.
Tonja R. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
WorldTrips Atlas Journey Premier
Submitted a claim for a cruise cancelled due to illness. Received the insurance check in the mail 22 days later. No issues, no pushback from the company. Very happy with the process!
Seth A. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
WorldTrips Atlas Journey Premier
I purchased the WorldTrips Preferred plan. My son fell ill two day before our return journey which resulted in having to reschedule and rebook our return flights as well as medical and hospital expenses. We were fully reimbursed for both. As many reviews mention, there is no way to monitor the progress of your claim but they were all processed within two weeks of filing. The only issue I had was the misunderstanding by Atlas of what my total insured amount was. This is where I have to give a shout out for InsureMyTrip. They were very proactive and assigned me a case representative and everything was sorted out within a day. Overall, I'm very pleased with the Atlas preferred insurance and InsureMyTrip and plan to get it on my next trip.
Lijoy S. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
WorldTrips Atlas Journey Premier
We had a traveling companion contract COVID the day before departure. We filed a claim with ample documentation. Although there was no communication or updates on the claim status, the claim was summarily resolved with full reimbursement after 4-5 weeks from submission. Our experience is that claims are resolved fairly as long as adequate documentation is submitted. The turnaround was about average, and the communication was below average.
Paul D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
WorldTrips Atlas Journey Premier
Luckily we didn’t have to use it.
James F. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
WorldTrips Atlas Journey Premier
In short: The insurance company narrowly construed the language of the insurance policy to deny me coverage for my cancelled trip - even though I had to cancel my trip because Switzerland changed its policies and mandated a 10-day quarantine for all incoming travelers. Don't waste your money on this insurance company.

I planned a 2-week trip to Europe, with the first stop in Switzerland. I purchased this insurance policy specifically because it said that it covered instances when I would need to be "quarantined" because of changes in government policies. After I purchased this insurance policy, Switzerland announced that, due to the rise in Covid cases, all travelers arriving from the U.K. would need to quarantine for 10 days, regardless of vaccination status or having negative tests. I called the insurance company, told them I needed to cancel my trip because of this new mandatory quarantine policy, and asked if my insurance policy would provide coverage. The insurance company said no. The insurance company said that trip-cancellation coverage wouldn't apply because I wouldn't be required to quarantine before I left for the trip. Instead, I would be required to quarantine after my trip started (i.e., after I got on my departing flight). The insurance company further said that trip-interruption coverage would not apply because I would not be quarantining for an "unexpected event." Because I knew I would have to quarantine once I arrived in Switzerland, the event requiring me to quarantine was not "unexpected" and, therefore, I was not entitled to coverage.

Covid has created unprecedented circumstances where governments are making drastic policy changes on a moment's notice. I purchased this insurance policy to protect against that risk. But the insurance company still used hyper-technical logic to deny coverage.
Jason C. would not recommend this plan to a friend or relative.
11 of 11 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Sally
    Photo
    Thank you for your review. Please see the following response from World Trips.

    'We are sorry to hear of the dissatisfaction with your travel policy. While we did not receive a formal claim from you, based on the review of your call to us, we can confirm that the Trip Cancellation and Trip Interruption benefits are not eligible based on a mandatory quarantining in your destination country upon arrival. If you would like to formally submit your claim and appeal this decision, you may do so by contacting Co-ordinated Benefit Plans at 1-866-400-6090 or by mailing your claim and appeal to Co-ordinated Benefit Plans, P.O. Box 26222, Tampa, FL 33623.'
    Jan 19,2022
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