Travel Insurance Reviews for 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.

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.

Luckily we didn’t have to use it.

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.