Claims Resource Center
Appeal a Claim
There may be situations when you choose to appeal how a claim was processed. If you wish to appeal a claim decision, you can do so easily. Submit your appeal online through the Member Portal or send it by mail.
Claimant Appeal Request Form Submitted via Docusign Within Member Portal
Step 1
You can complete, sign, and submit the Claimant Appeal Request form online via Member Portal, our self-service portal for policyholders.
Step 2
On the resulting Sign In page, enter your password below your email address. Then click the “Sign In” button.
Step 3
You will be presented with your Member Portal home page. Click “Claims and Appeals” in the main navigation menu at the top of the page.
Step 4
You will be presented with the Claims and Appeals page. Switch the toggle at the top of the page under the “Claims and Appeals” header from “Claims” to “Appeals.”
Step 5
On the resulting Sign In page, enter your password below your email address. Then click the “Sign In” button.
Step 6
Enter your name and email address and click the “Begin Signing” button.
Step 7
Click the yellow “Continue” button to the right.
Step 8
Fill in all the required information (as indicated by the red text boxes) and sign everywhere a signature is required (as indicated by the yellow “Sign” boxes).
Attach your supporting documents (medical records, receipts, itemized bills, etc.), if necessary, at the bottom righthand corner of the page via the yellow attachment boxes. If you have more than 3 attachments or exceed the 5MB attachment limit.
Step 9
When you are done, click the yellow “Finish” button at the bottom of the page. Clicking “Finish” submits your documents and sends a PDF of your signed Claimant Appeal Request Form to your email.
Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.
Step 1
To add a policy, sign into your Member Portal account.
Step 2
From your home page, click into the white box in the top left-hand corner of the page next to “Viewing” (below the WorldTrips logo). Click “+ Add Policy.”
Step 3
Fill in the policy number for the plan you wish to add to your account. Select whether or not you are the insured or legal guardian of the insured. Add the first name, last name, and date of birth for the insured member on the policy. This must match the information on the policy. Then click the “Add Policy” button.
Once you have successfully added your policy, you should be able to see it in your Member Portal account.
How to View Your Claim Status in Member Portal
Step 1
On the Member Portal welcome page, enter the email address you used to register your account and click the “Continue Sign In” button.
Step 2
On the resulting Sign In page, enter the password you entered when you created your account below your email address. Click "Sign In."
Step 3
From your Member Portal home page, click “File or View Status of Claims” under the “How Can We Help You Today?” header.
Step 4
This will take you to the Claims and Appeals page. (You can also get here by clicking “Claims and Appeals” in the main navigation.) Scroll down and find your claim(s) under the “Claims” header.
You will be able to see your claim number, the date the claim was incurred, the claim status, and the relevant provider
Step 5
You will be able to see your claim number, the date the claim was incurred, the claim status, and the relevant provider.
Step 6
Click the arrow to the right of the claim you wish to view to see more information for the claim, including where your claim is in the claim process (whether it has been started, whether there has been a request for more information, whether the outcome of the claim has been determined, and whether your Explanation of Benefits is ready for review).
You can click “View Detail” under each completed step to see more information.
Step 7
When finalized, each claim will have an Explanation of Benefits (EOB) associated with it. To view the EOB for the claim, click “Download your Explanation of Benefits.” Then open the downloaded PDF to view your EOB.
An example EOB is shown to the right. It displays the various data elements contained within a standard EOB from WorldTrips.
Troubleshooting the Claims Process
Did You Register for a Member Portal Account?
Haven’t Yet Added Your Policy to Your Member Portal Account?
Don’t Have Access to the Claims and Appeals Page?
If you selected that you are not the insured or the insured’s legal guardian upon registration, you will not have immediate access to the Claims and Appeals page. Instead, you will see the Protected Health Information Authorization page. To gain access to this section of Member Portal, enter the insured’s email address and click the “Send Request” button.
The insured will receive an email with a link to complete, sign, and submit the HIPAA form via DocuSign. You will gain access to the Claims and Appeals section and will be able to submit a claim for the policyholder within 3-5 days of the date the policyholder completed and submitted the form.
Need to Attach More Than 3 Supporting Documents OR Submit Additional Supporting Documents After You Have Already Submitted Your Appeal Via DocuSign?
Return to the Claims and Appeals page of the Member Portal and switch the toggle below the “Claims and Appeals” header from “Claims” to “Appeals.” Click the “Submit Additional Supporting Documents” button under the “Submit Additional Supporting Documents (If Needed)” subheader in the “File an Appeal” section.
You will land on the Submit Additional Supporting Documents page. Use the dropdown to choose your claim number. Then upload your files and click the “Submit” button.
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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.
WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.
WorldTrips' Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.
In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705