WorldTrips Travel Insurance Reviews

Trip insurance was comprehensive and included coverage for my scuba diving.
My trip was great and glad I had it just in case but also glad I didn’t have have to file a claim.

While my husband and I were in the middle of nowhere in Croatia, my husband developed covid (10/1/22). We were left by our tour group at the Plitvice Hotel with no support on a Saturday morning. We were told to isolate and make arrangements for meals to be delivered outside our room’s door. We had no cell phone coverage so were left to some internet access and/or the hotel's phone line to arrange for insurance, transportation, and medical support.

1. I called the number provided on our member cards that morning (317-262-2132) for WorldTrips/United Healthcare.

2. Directions say to call collect. However, the way the number is set up, you have to wait several minutes before getting to a human being you can ask to call back. There is no option that I found (in 3 calls) to ask for the call to be collect.

3. Our first call was over a weekend. The woman with whom I spoke told me right away that she was a weekend staff and I would need to call back on Monday. The information she provided, though, led me to believe that, should we make it through the weekend and succeed in calling on Monday, we would receive help.

Over the next two days, my husband became deathly ill, but the hotel told us they would only call a doctor if it was a serious illness. WorldTrips/United Healthcare’s weekend support as far as I'd experienced was non-existent.

4. We had made arrangements to pay for a taxi to pick us up at the hotel at 6:45 am Monday morning to take us to another town for an official covid test at a clinic that was only open for one hour.

5. When we returned and I called WorldTrips Monday morning, the first time it was too early, so I had to call a second time--both at my cost directly from my hotel room.

5. On the second call, I asked the representative about:

a. trip interruption coverage since our trip was DEFINITELY interrupted. I was told this situation did not apply.

b. I asked about Travel Delay coverage since our travel had DEFINITELY been delayed. Again, I was told it did not apply.

c. I then asked about Emergency Quarantine Indemnity coverage since we were forced to quarantine. I was told that we did not have coverage since we had a policy less than 30 days. The woman told me, though, that she could walk me through the process of extending my coverage to 30 days so that we could receive $50 for up to 10 days. To make sure I understood, I asked her if, in order to MAYBE receive $500 reimbursement, I had to pay another several hundred dollars in premium and she said that was correct.

d. It appears from those answers that our trip to the clinic was not covered either as an "urgent care co-pay."

So, in essence:
1. Our trip was interrupted BUT WorldTrips/United Healthcare does not define our experience and related costs as an “interruption” so provided no insurance coverage for such an interruption.

2. Our trip was delayed, BUT WorldTrips/United Healthcare does not define our experience and related costs as a “delay” so provided no insurance coverage for such a delay.

3. We experienced an emergency quarantine, BUT WorldTrips/United Healthcare does not define our experience and related costs as a covered “quarantine” so provided no insurance coverage for such a quarantine.

4. We had to pay for a taxi to take us to another town for an official covid test, BUT WorldTrips/United Healthcare does not define our experience and related costs as an "urgent care center co-pay" so neither the taxi cost nor the test costs are covered expenses. By that time, I, too, was positive for covid.

5. Finally, we literally feared for my husband’s life (he was experiencing severe stomach pain and bloating, vomited bile all night the first night and most of the second day, and his legs were so weakened that he could not stand for long, much less walk). As a consequence, when he could finally stand for a short period of time, we hired a taxi to drive us almost 5 hours to Split, Croatia, so that we would be near urgent medical care. BUT, it appears that under no terms defined in WorldTrips’/United Healthcare's policy is that change of venue for medical reasons covered as an eligible policy expense.

Additionally, because our change of location was last minute, while we were in Split, we had to stay in three separate apartments, none of which had elevators and all of which were on the third or fourth floors. After we finally made it to the 3rd floor of the first apartment, I feared that my husband would never be able to get back down to the ground level for any reason, medical or otherwise.

6. We paid for what were to be collect calls to WorldTrips as well as hotel room and meal costs while we were quarantining as well as after we took the taxi to Split where we would potentially have medical care. Apparently those costs are not considered quarantine-related either since our policy was for less than 30 days.

Consequently, our experience with WorldTrips is that we paid $377 for what we thought was coverage for trip interruption, trip delay, quarantine coverage, and urgent medical care. However, WorldTrips interprets our experiences at NOT being covered events and therefore, intends to provide NO reimbursement for any of what we thought were covered expenses.

We are left to wonder what kind of unethical people run such a company as WorldTrips/UnitedHealthcare when they readily accept travelers’ money with no apparent intent to cover any allegedly covered costs. Furthermore, we wonder why you at Squaremouth include them in your repertoire of options you offer travelers seeking the kind of help WE DID NOT RECEIVE!

Besides writing this review, I fully intend to report these experiences with whatever insurance department/professional regulatory agency at both the federal and state levels would be interested in knowing about this lack of professional ethics and customer service.

My baggage was delayed for about 6 hours. I checked the policy. It covers a delay of 12 hrs or more, so I did not make a claim. If you think I should let me know.

They were very helpful but limited in what they could do. Now that I understand their rules I would Segundo use them again but I would be careful to keep track of dates.

We found it a little difficult to get help and are somewhat concerned about filing a claim properly. We'll have more information after filing the claim (we are waiting on documentation of a delayed flight from Delta airlines).

Website was down when I initially tried to file a claim.

We have not filed our claim yet.

Our luggage was delayed and we didn't receive 2 out of the 3 bags during the trip. We came home to our bags, which we never saw. All of our outbound flights were delayed by 3 hours as well. We reached out inquiring about the process and timing for filing a claim and all we received back were emails stating that they're backed up and not able to respond / answer our simple questions.

They were very pleasant but ultimately unhelpful when we missed our connection and needed to rebook.