Studying abroad can shift perspectives and broaden horizons in many ways. If you’re looking to further your studies in...
International Student Insurance
International student medical insurance is designed to provide key coverage that full-time students may need while studying abroad.
WorldTrips’ student medical insurance plans offer:
- Four Plan Levels – Compare plans to ensure you meet your school or visa requirements and budget
- Flexible Payments – Choose monthly payments or pay in full and save
- Travel Assistance – Get 24/7 multilingual emergency assistance
- Ease of Use – Your policy documents will be emailed immediately upon purchase, and you can manage your plan via our online Member Portal
Why Do You Need International Student Insurance?
Easy. In many cases, it’s required.
- Your visa may require student medical insurance. StudentSecure meets or exceeds most visa requirements (including the J-1 visa). You’ll get a visa letter you can use as proof of coverage.
- Your program or school may require student medical insurance. StudentSecure meets the requirements of many universities. Opting out of school-sponsored coverage? We can send a completed waiver form to you and your school.
- Your regular health insurance may not cover you for unexpected injury or illness abroad. And very few plans pay for medical evacuation.
Why WorldTrips?
Who is insuring you is just as important as the insurance plan you choose. For the past 25 years, WorldTrips has provided travel insurance and compassionate service to help our customers travel fearlessly. Our knowledgeable customer representatives are available 24/7 to respond to your travel emergencies, no matter the situation, time zone, or spoken language.
“Of the top eight travel insurance companies in our review, WorldTrips’ underwriting company is the only one to have an A++ (Superior) financial strength rating from AM Best.”
Explore Our International Student Insurance Plans
WorldTrips’ international student medical insurance plans are called StudentSecure. Choose from four StudentSecure plans to get the right coverage at the right price for you. StudentSecure Provides:
- Benefits for unexpected injury and illness
- Recreational sports and activities coverage
- Some mental health coverage
- Travel assistance services
Select a plan to see coverage highlights:
Overall Maximum: $200,000
Maximum Per Injury or Illness: $100,000
Deductible Per Injury or Illness: $0
Highlights
- Meets J-1 Visa Requirements
- Unexpected Injury and Illness
- Some Mental Health Coverage
- Recreational Sports and Activities
- No Pre-Existing Condition Coverage
Coverage:
$
$
$
$
Cost:
$
$
$
$
Overall Maximum: $500,000
Maximum Per Injury or Illness: $250,000
Deductible Per Injury or Illness: $0
Highlights
- Meets J-1 Visa Requirements
- Unexpected Injury and Illness
- Some Mental Health Coverage
- Recreational Sports and Activities
- Pre-Existing Condition Coverage After 12 Months
Coverage:
$
$
$
$
Cost:
$
$
$
$
Overall Maximum: $1,000,000
Maximum Per Injury or Illness: $500,000
Deductible Per Injury or Illness: $0
Highlights
- Meets J-1 Visa Requirements
- Unexpected Injury and Illness
- Some Mental Health Coverage
- Recreational Sports and Activities
- Pre-Existing Condition Coverage After 6 Months
Coverage:
$
$
$
$
Cost:
$
$
$
$
Overall Maximum: $5,000,000
Maximum Per Injury or Illness: $500,000
Deductible Per Injury or Illness: $0
Highlights
- Meets J-1 Visa Requirements
- Unexpected Injury and Illness
- Some Mental Health Coverage
- Recreational Sports and Activities
- Pre-Existing Condition Coverage After 6 Months
Coverage:
$
$
$
$
Cost:
$
$
$
$
I Need Medical Evacuation and Repatriation Coverage for My Visa
Many international students already have insurance for their time abroad but need evacuation and repatriation coverage to meet their school or visa requirements. These students choose Atlas MedEvac insurance. This supplemental plan can provide the coverage you need without the added benefits and cost.
You’re eligible for Atlas MedEvac if you’re a non-U.S. citizen traveling to the U.S. or anywhere else outside of your home country.
Here’s what you’ll get:
- Lifetime Maximum – $75,000
- Deductible – $0
- Emergency Medical Evacuation – Up to $50,000
- Repatriation of Remains – Up to $25,000
- Local Burial or Cremation – Up to $5,000
FAQs: WorldTrips’ International Student Insurance Plans
How Do I Register for a Member Portal Account?
Register for a Member Portal account. Here’s how:
1. Visit Member Portal at https://worldtrips.my.site.com/MemberPortal.
2. Under “Continue Sign In” click “First-time user? Register for an account.”
3. On the Register page, enter the email address you wish to use to sign into your account. This email does not need to match the email address associated with your policy.
Enter your policy number and select whether or not you are the insured or the insured’s legal guardian. Enter the insured’s first and last name as entered on the policy. (You can see how the insured’s name was entered on your ID card and fulfillment documents that were sent to you upon purchase.)
Enter the insured’s date of birth. Then choose a password. Follow the password instructions noted on the page.
Read and agree to the terms and conditions by checking the box. Then click the “Continue” button.
4. You will be taken to the Sign In page. Enter the email address and password you used to register your account and click “Sign In.”
5. To add an additional layer of security when signing into your account, you will be prompted to choose your preferred multifactor authentication method.
Options Include:
a. Okta Verify - Click "Setup" if you wish to use a push notification sent to the mobile app
b. SMS Authentication* - Click "Setup" if you wish to enter a single-use code that is sent to your mobile phone
c. Voice Call Authentication* - Click "Setup" if you wish to follow voice instructions via phone
d. Security Question - Click "Setup" if you wish to answer a security question
*Please be sure to use a method which you will have continual access to on your travels. Do not use phone numbers that will not work outside of your current service area.
6. Follow the setup instructions of your chosen multifactor authentication method. Then click “Finish.”
7. On the resulting page, choose a "Forgot Password" question. Make sure you select a question with only one correct answer that is easy to remember.
Type the answer into the blank box below "Answer." You will need this answer to access your account if you ever forget your Member Portal password and need to reset it.
You may also choose to add a phone number for resetting your password or unlocking your account using SMS text message or a voice call if you don’t have access to your email.
Click "Create My Account."
How Do I Submit a Claim?
You must complete, sign, and submit a Claimant's Statement and Authorization form along with proof of claim (itemized bills, payment receipts, medical records, police reports, etc.) for every incident. (Click here to download the form in Spanish).
Filing a Claim on Behalf of Someone Else? If you are filing this claim on behalf of another person, you MUST fill out the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information" – also known as a HIPAA form. This section must be signed by the policyholder in order for us to speak with you regarding any of the policyholder's Protected Health Information (PHI). Without this signed form, we may only disclose to you the status of the claim.
You can complete and submit the Claimant's Statement and Authorization form along with supporting documents in one of the following ways:
Via DocuSign within Member Portal (Most Efficient Approach)
1. Go to Member Portal (formerly Client Zone / Student Zone).
2. Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.
If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.
3. Click "Claims and Appeals" in the main navigation menu.
4. Click “Submit New Claim Via DocuSign” button under the “Claimant’s Statement and Authorization Form” subheader in the “File a Claim” section and follow the instructions.
For more extensive step-by-step instructions, including screenshots, please see our “How to Submit a Claim” guide
Don’t Have Access to the Claims and Appeals Page? If you noted that you are not the insured or the insured’s legal guardian, you will see the Protected Health Information Authorization page in place of the Claims and Appeals page. Enter the insured’s email address and click “Send Request.” Once the insured has completed and submitted our HIPAA form, you will gain access to the Claims and Appeals page and have the ability to submit a claim within 3-5 days.
By Mail
1. Download the Claimant's Statement and Authorization form. (Click here to download the form in Spanish.)
2. Print, complete, and sign the form. Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. WorldTrips is also happy to fax, e-mail, or mail the form(s) to you upon request.
Important Note for Students
For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form:
- A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019
- Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)
Can I Submit a Claim on Behalf of Someone Else?
Yes, you may submit a claim on behalf of someone else, but you must fill out the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information" - also known as the HIPAA form. We must have a completed copy of this form signed by the policyholder if you wish to speak with us regarding any of the policyholder's Protected Health Information (PHI). Without this signed form, we may only disclose to you the status of the claim. If you have already submitted a claim and you did not complete this section OR if WorldTrips has requested that you submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA), you do not need to fill out another claim form.
How Do I Submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA Form) If I Did Not Complete This Section of the Claim Form?
If you have already submitted a claim on behalf of someone else and did not complete this section OR if WorldTrips has requested that you submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPAA), you do not need to fill out another claim form. You can submit the HIPAA form separately in one of the following ways:
Electronically via Member Portal
- Go to Member Portal.
- Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.
If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details. - Click "Claims and Appeals" in the main navigation menu.
If You See the Protected Health Information Authorization Page:
- Because you selected that you are not the insured or the insured's legal guardian upon registering for Member Portal, you do not yet have access to the Claims and Appeals page.
- Under the "Protected Health Information Authorization" header, 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 HIPPA form via DocuSign. You will gain access to the Claims and Appeals page and will be able to see the status of any pending claims within 3-5 days of the date the policyholder completed and submitted the form.
If You See the Claims and Appeals Page:
- Click the "Fill Out and Submit Via DocuSign" button under the "Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA)" subheader in the "File a Claim" section.
- Enter the insured's name and an email address and click the "Begin Signing" button.
- Click the yellow "Continue" button, fill out the form and the required information (as noted by the red boxes); have the policyholder sign the form, and click the yellow "Finish" button.
- Clicking "Finish" submits the document and sends a PDF of your signed Authorization Form for Use and/or Disclosure of Protected Health Information to the email address entered. 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.
- Download the Authorization Form for Use and/or Disclosure of Protected Health Information.
- Print, complete, and have the policyholder sign the form.
- Mail to:
WorldTrips Claims Department
PO Box 240358
Apple Valley, MN 55124
U.S.A.
When and How Will I Receive My Fulfillment Documents?
During the checkout process, you will have the option to receive your ID cards and other fulfillment documents by:
- Email only OR by
- Email and hard copy
If you select “Email only,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. This typically takes a few minutes or less.
If you select “Email and hard copy,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. You will also receive hard copies of your ID cards and fulfillment documents by mail to the address you entered on your application.
How Long Do I Have to File a Claim?
You must report a claim to us within 30 days of a loss occurring, or as soon as reasonably possible. You or someone on your behalf may provide the notice, which must include enough information to identify you.
You must provide proof of loss within 90 days of the date or loss, or as soon as reasonably possible. Proof cannot be provided more than 12 months from the time it is otherwise required, except in the absence of legal capacity.
What If I Do Not Agree with a Claim's Denial?
There may be situations when you choose to appeal how a claim was processed. You may appeal your claim decision using one of the following methods:
Submit the Claimant Appeal Request Form Via DocuSign within Member Portal:
- Sign into Member Portal. 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. 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.”
- To file an appeal via DocuSign, click the “Fill Out and Submit Via DocuSign” button under the “Claimant Appeal Request Form” subheader in the “File an Appeal” section.
- Enter your name and email address on the PowerForm Signer Information page and click the “Begin Signing” button.
- Click the yellow “Continue” button to the right.
- Fill in all the required information on the form (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, see instructions for submitting additional documents here.
- 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.
Want more detailed instructions including screenshots? See the “Claimant Appeal Request Form Submitted Via DocuSign within Member Portal (Most Efficient Approach)” section of our Claims Resource Center page.
Submit the Claimant Appeal Request Form Via Email or Mail- Download the Claimant Appeal Request Form. (Click here to download the form in Spanish).
- Fill out the form and email it, along with additional documentation that supports your reasoning and position (medical records, receipts, itemized bills, etc.), to appeals@worldtrips.com.
OR
Mail the form and supporting documents to:
WorldTrips Appeals
PO Box 240358
Apple Valley, MN 55124
U.S.A
Submit a Written Appeal Letter Via Email or Mail
- Write a letter of appeal following the appeal procedure instructions outlined in your policy documents/certificate of coverage.
- Email this written letter of appeal, along with additional documentation that supports your reasoning and position (medical records, receipts, etc.), to appeals@worldtrips.com.
OR
Mail the form and supporting documents to:
WorldTrips Appeals
PO Box 240358
Apple Valley, MN 55124
U.S.A
IMPORTANT! In order for our claims department to review the appeal, you must provide additional documentation or information to support a reversal of the denial. Please note that submission of the appeal will lead to re-evaluation of your claim but does not guarantee that the initial benefit determination will be altered.
Why Am I Receiving So Many Letters?
For each claim we receive, we will send you an acknowledgement letter notifying you that we have received your claim. The acknowledgement letter will also notify you of any additional information that we need or information that is still outstanding from a prior request.
Additionally, each time we request information from you or your medical providers, we will send you a letter to notify you of the request.
What Is Included in the Fulfillment Documents?
Your fulfillment documents will include:
Instructional Information
- How to seek medical treatment
- How to file a medical claim
- How to access Member Portal (our online self-service portal where members can manage their policies)
- How to contact WorldTrips
Declaration Page
- Link to the Description of Coverage for your policy
- Name, address, ID number, and citizenship of the insured
- Policy start and end dates and length of coverage
- Certain policy details including plan name, overall maximum limit, maximum per injury/illness, deductible, and any optional coverage elected
- Purchase date, payment type, and amount paid
- Name and address of plan administrator
Policyholder/Certificate Holder Notice
- Important notice about OFAC sanctions
European Union GDPR Data Protection Notice (Note that you will only receive this notice if you are a citizen or resident of the European Union OR if you are a visitor traveling to the European Union)
- Information about our privacy policy
- How we use your personal and sensitive information and who we may disclose it to
- Information about your data protection rights
- How to opt out of marketing communications or withdraw your consent
ID Card
- Name of insured(s)
- Certificate/policy number and effective date of coverage
- Instructions on how to file a claim
- Name and logo of PPO network
- Instructions on how to find a provider
How Do I Access My Visa Letter?
You can access your visa letter by signing into your Member Portal account. Click “Policy Information” in the main navigation and click the box labeled “Download Visa Letter.” Need help registering a Member Portal account or adding a policy to your account? See our Claims Guide.
What Information Is Included in the Visa Letter?
Your visa letter will confirm that your Atlas Travel or Atlas Group policy satisfies Schengen visa health insurance requirements. It will also include the following information:
- Your name
- Your home country and citizenship
- Your destination country or countries
- Your certificate (policy) number
- Your policy’s effective date
- Your policy’s termination date
- An overview of your policy details, including your overall policy maximum, maximum per injury/illness, and deductible
- An overview of important benefits and their coverage amounts
- WorldTrips contact information
- Your name
- Your home country and citizenship
- Your destination country or countries
- Your certificate (policy) number
- Your policy’s effective date
- Your policy’s termination date
- An overview of your policy details, including your overall policy maximum, maximum per injury/illness, and deductible
- An overview of important benefits and their coverage amounts
- WorldTrips contact information
How Does My Deductible Work?
Deductible means the dollar amount of eligible expenses, as specified in your policy’s Schedule of Benefits and Limits, that you must pay before eligible expenses are paid. You only have to pay your deductible one time during the period of time your policy is active.
For example, let’s say you have an Atlas Travel policy and you’ve chosen a $100 deductible. You break your leg while traveling abroad and need to have surgery, which requires a short hospital stay. You would need to pay your $100 deductible before your benefits, such as Hospital Room and Board, would kick in. Once your $100 deductible is paid, your Atlas Travel plan would begin to pay 100% of your eligible expenses up to your plan’s overall maximum limit.
Note that some benefits are not subject to the deductible, as specified in your policy’s Schedule of Benefits and Limits. This means you would not be required to pay the deductible before any benefits that are not subject to the deductible would be activated.
Am I Eligible for an Atlas Travel Insurance Plan?
If you are at least 14 days old and traveling internationally, you are eligible for coverage. You must purchase coverage for at least 5 days, though you do not have to travel all 5 days.
If you are under age 65, you may select an overall maximum limit between $50,000 and $2,000,000. Applicants age 65 to 79 may choose an overall maximum limit of $50,000 or $100,000. Atlas Travel insurance offers a $10,000 policy maximum to applicants over age 80.
When Does My Atlas Travel Coverage Become Effective and When Does it End?
Your Atlas Travel insurance coverage becomes effective on the latest of:
- the moment we receive your application and correct premium (if application and payment is made online or by fax)
- 12:01 a.m. U.S. Eastern Time on the date we receive your application and payment (if application and payment are made by mail)
- the moment you depart from your home country
- 12:01 a.m. U.S. Eastern Time on the date you request on your application if the correct premium is received
Your coverage will end on the earliest of:
- 11:59 p.m. Eastern Time on the last day of the period for which you have paid a premium
- 11:59 p.m. Eastern Time on the date requested on your application
- the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)
Does the Atlas Travel Plan Provide Any Home Country Coverage?
Atlas Travel does offer medical expense coverage in your home country in the following situations:
Benefit Period
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, including when you return to your home country, the benefit period applies for up to 90 days only to eligible medical expenses directly related to an injury or illness that was diagnosed or treated while the certificate was in effect. The benefit period begins on the first day of diagnosis or treatment of a covered injury or illness made while you are outside your home country. The benefit period applies whether or not you return to your home country.
Incidental Home Country Coverage
You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.
For individuals with the U.S. as a home country: For every three-month period during which you are covered hereunder, eligible medical expenses incurred in the U.S. are covered up to a maximum of 15 days.
For individuals with a home country other than the U.S.: For every three-month period during which you are covered hereunder, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.
Should you make a change to the location of your home country during the certificate period, you must notify us of such change within fifteen (15) days. Your new home country will govern the terms of any home country or incidental home country coverage.
Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or you returning to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.
Does the Atlas Travel Plan Include Any Coverage for Medical Expenses Related to COVID-19?
If You Purchased Your Atlas Travel Policy on Or After July 15, 2020: Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion. If You Purchased Your Atlas Travel Policy Before July 15, 2020: Your plan contains an applicable exclusion and will NOT cover medical expenses resulting from COVID-19/SARS-CoV-2. The full exclusion reads: Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 or higher travel warning are excluded if:
- the warning has been in effect within the 60 days immediately prior to your date of arrival, or
- within 10 days following the date the warning was issued you have failed to depart the country or location. You can review the exclusions by reading through the "General Exclusions section of your Description of Coverage (DOC).
You will find your DOC in Member Portal. Sign in to the portal and click the box on the home page labeled "Description of Coverage."
What Are Atlas International and Atlas America?
Atlas Travel policyholders who are U.S. citizens or non-U.S. citizens traveling outside of the U.S. will be covered under Atlas International, which provides coverage outside of the United States.
Atlas Travel policyholders who are non-U.S. citizens (and home country is not the United States) traveling to the United States will be covered under Atlas America. (For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands.)
The correct plan will be automatically selected for you when you purchase your Atlas Travel plan, depending on whether your trip includes coverage for the U.S. (You will only be covered for the U.S. if you are a non-U.S. citizen, your home country is not the United States, and all or part of your travel includes the U.S.)
What Is Covered Under the Atlas Travel Insurance Plan?
To see an overview of the benefits provided under Atlas Travel insurance coverage, please review our Atlas Travel product page or see the Atlas Travel Description of Coverage.
Does the Atlas Travel Insurance Plan Provide Any Trip Cancellation Coverage?
Atlas Travel does not provide any reimbursement if you must cancel your trip prior to departure. However, it does include a Trip Interruption benefit if you must end your trip early due to a covered reason. Note that Atlas Travel medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. It also provides more medical benefits with higher coverage limits than most travel insurance plans. If you're a U.S. citizen or resident looking for travel insurance with a Trip Cancellation benefit, you should consider Atlas Journey® trip cancellation insurance. Visit the Atlas Journey product page for details about this plan.
Does the Atlas Travel Insurance Plan Meet Schengen Visa Requirements?
Yes, Atlas Travel insurance meets Schengen visa requirements. When you purchase an Atlas Travel policy, you will also gain access to a visa letter that can serve as proof of insurance for your Schengen visa. See Schengen visa insurance requirements and learn how Atlas Travel meets those requirements.
Can I Extend or Renew My Atlas Travel Insurance Coverage?
After your initial purchase, you may extend your coverage (5-day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the deductible, nor will benefit limits be reset. If your travel does not include the United States and you are not a U.S. citizen, you may extend your coverage up to a maximum of 365 days. After 365 days of continuous coverage, you may renew your policy for two additional 365-day coverage periods. Deductible must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your deductible and Pre-existing Condition provisions. Extensions or renewals must be made online in the Member Portal with payment by credit card.
How Do I Extend My Atlas Travel Insurance Coverage?
Follow the below instructions to EXTEND your Atlas Travel medical insurance plan:
- Log into your Member Portal.
- On your Member Portal home page, click the box labeled "Extend or Renew My Policy" under the "How Can We Help You Today?" header.
- If you are eligible to extend your policy ad do not need to contact a broker or plan administrator in order to do so, you will see the "Extend Policy" page.
- Use the dropdown arrow to insert your new coverage end date and click "Next."
- Fill in your payment information.
- Review the Terms and Conditions and click the checkbox to acknowledge that you have read and accepted them.
- Click the "Submit" button to submit your extension request. Your coverage confirmation will be sent to the email address you entered.
How Do I Cancel My Atlas Travel Insurance Coverage?
Most members are able to submit a cancellation request online in Member Portal. Note that only members who have no claims are eligible for a premium refund. After you create your Member Portal account (click here for registration instructions), log in and select “Policy Information” in the top righthand corner. Then select the “Modify Coverage Dates” box. If you are not eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you are eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.” If Your Policy Has Not Yet Started… You are eligible for a full refund of your premium for free. On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days. If Your Policy Has Already Started… A $25 cancellation fee will apply and only the prorated portion of your premium will be refunded. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.
Is My Group Eligible for an Atlas Group Travel Plan?
If your group members are at least 14 days old and traveling internationally, they are eligible for coverage. Your group must purchase coverage for at least 5 days, though you do not have to travel all 5 days.
If your group members are under age 65, you may select an overall maximum limit between $50,000 and $2,000,000. Group members age 65 to 79 may choose an overall maximum limit of $50,000 or $100,000. Atlas Group insurance offers a $10,000 policy maximum to applicants over age 80.
The same overall maximum limit must be purchased for every member of your group under the age of 65. The same deductible must be purchased for every member of your group.
Does the Atlas Group Travel Insurance Plan Provide Any Home Country Coverage?
Yes. Atlas Group will provide foreign visitors with limited home country coverage. However, there are two types of coverage in the home country, all of which are restricted to medical expenses only:
Benefit Period
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, including when you return to your home country, the benefit period applies for up to 90 days only to eligible medical expenses directly related to an injury or illness that was diagnosed or treated while the certificate was in effect. The benefit period begins on the first day of diagnosis or treatment of a covered injury or illness made while you are outside your home country. The benefit period applies whether or not you return to your home country.
Incidental Home Country Coverage
You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.
For individuals with the U.S. as a home country: For every three-month period during which you are covered hereunder, eligible medical expenses incurred in the U.S. are covered up to a maximum of 15 days.
For individuals with a home country other than the U.S.:
For every three-month period during which you are covered hereunder, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.
Should you make a change to the location of your home country during the certificate period, you must notify us of such change within fifteen (15) days. Your new home country will govern the terms of any home country or incidental home country coverage.
Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or you returning to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.
Does the Atlas Group Plan Include Any Coverage for Medical Expenses Related to COVID-19?
If You Purchased Your Atlas Group Policy on Or After July 15, 2020: Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
If You Purchased Your Atlas Group Policy Before July 15, 2020: Your plan contains an applicable exclusion and will NOT cover medical expenses resulting from COVID-19/SARS-CoV-2. The full exclusion reads: Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 or higher travel warning are excluded if:
- the warning has been in effect within the 60 days immediately prior to your date of arrival, or
- within 10 days following the date the warning was issued you have failed to depart the country or location. You can review the exclusion by reading through the “General Exclusions” section of your Description of Coverage (DOC).
You will find your DOC in Member Portal. Sign in to the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Description of Coverage."
What Are Atlas Group International and Atlas Group America?
Atlas Group policyholders who are U.S. citizens or non-U.S. citizens (and home country is not the United States) traveling outside of the U.S. will be covered under Atlas Group International, which provides coverage outside of the United States.
Atlas Group policyholders who are non-U.S. citizens traveling to the United States will be covered under Atlas Group America. (For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands.)
The correct plan will be automatically selected for you when you purchase your Atlas Group plan, depending on whether your trip includes coverage for the U.S. (You will only be covered for the U.S. if you are a non-U.S. citizen, your home country is not the United States, and all or part of your travel includes the U.S.)
What Medical Expenses are Covered Under an Atlas Group Travel Plan?
To see an overview of the medical expenses covered under an Atlas Group Travel plan, please take a look at our Atlas Group product page.
Am I Eligible for an Atlas Nomads Insurance Plan?
Non-U.S. citizens who are at least fourteen (14) days of age and up to age 69 are eligible for coverage outside of their home countries, except as provided under home country coverage.
If you are under age 65, your overall maximum limit is $250,000. Applicants ages 65 to 69 have an overall maximum limit of $100,000.
When Does My Atlas Nomads Coverage Become Effective and When Does it End?
Your Atlas Nomads insurance coverage becomes effective on the latest of:
- the moment we receive your application and correct premium (if application and payment is made online or by fax)
- 12:01 a.m. U.S. Eastern Time on the date we receive your application and payment (if application and payment are made by mail) - the moment you depart from your home country
- 12:01 a.m. U.S. Eastern Time on the date you request on your application if the correct premium is received
Your coverage will end on the earliest of:
- 11:59 p.m. U.S. Eastern Time on the last day of the period for which you have paid a premium
- 11:59 p.m. U.S. Eastern Time on the date requested on your application
- the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)
Does the Atlas Nomads Plan Provide Any Home Country Coverage?
Atlas Nomads does offer medical expense coverage in your home country in the following situations:
Benefit Period
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, including when you return to your home country, the benefit period applies for up to 90 days only to eligible medical and dental expenses directly related to an injury or illness that was diagnosed or treated while the certificate was in effect. The benefit period begins on the first day of diagnosis or treatment of a covered injury or illness made while you are outside your home country. The benefit period applies whether or not you return to your home country.
Incidental Home Country Coverage
You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.
For every three-month period during which you are covered hereunder, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.
Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or you returning to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.
Does the Atlas Nomads Plan Include Any Coverage for Medical Expenses Related to COVID-19?
Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
What Is Covered Under the Atlas Nomads Insurance Plan?
To see an overview of the benefits provided under Atlas Nomads insurance coverage, please review our Atlas Nomads product page or see the Atlas Nomads Description of Coverage.
Does the Atlas Nomads Insurance Plan Provide Any Trip Cancellation Coverage?
Atlas Nomads does not provide any reimbursement if you must cancel your trip prior to departure. However, it does include a Trip Interruption benefit if you must end your trip early due to a covered reason. See “Trip Cancellation VS Trip Interruption: What Is the Difference?” for an explanation of the difference between trip cancellation coverage and trip interruption coverage.
Note that Atlas Nomads medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. If you’re a U.S. citizen or resident looking for travel insurance with a Trip Cancellation benefit, you should consider Atlas Journey® trip cancellation insurance. Visit the Atlas Journey product page for details about this plan.
Does the Atlas Nomads Insurance Plan Meet Visa Requirements?
Different visas have different requirements, so it’s important that you review Atlas Nomads’ benefits and limits prior to purchase to ensure they meet the requirements of your visa.
Can I Renew My Atlas Nomads Insurance Coverage?
You cannot renew your Atlas Nomads insurance plan, but you can purchase a new plan once your coverage ends. Note that the pre-existing condition lookback period would reset at this time.
Can I Extend My Atlas Nomads Insurance Coverage?
No, you cannot extend your Atlas Nomads insurance coverage. If you need coverage for additional days beyond your current policy’s effective dates, you will need to purchase a new plan that will provide coverage for those days.
How Do I Cancel My Atlas Nomad Insurance Coverage?
Most members are able to submit a cancellation request online in Member Portal. Note that only members who have no claims are eligible for a premium refund. After you create your Member Portal account (click here for registration instructions), log in and select “Policy Information” in the top righthand corner. Then select the “Modify Coverage Dates” box. If you are not eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you are eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.”
If Your Policy Has Not Yet Started… On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.
If Your Policy Has Already Started… Only premium for unused whole months (if paying in monthly installments) or unused days (if paid in full) will be refunded. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days. Please note that you cannot have filed any claims to be eligible for a premium refund.
Am I Eligible for a StudentSecure International Student Health Insurance Plan?
In order to be eligible for any of our StudentSecure international student health plans, you must meet the following requirements:
1. Must be:
1. a full-time student at a college or university, excluding online colleges and universities, or
2. within 31 days of being a full-time student at a college or university, or
3. a student under age 19 enrolled in a secondary school, or
4. a full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week
The full-time student/scholar status requirement is waived for participants within the U.S. holding a valid F-1 visa or J-1 visa. Full-time status requirements remain in force for individuals holding M-1 or other category visas.
2. Must be residing outside home country for the purpose of pursuing international educational activities.
3. Must not have obtained residency status in the host country. Participants visiting the U.S. must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested. For U.S. citizens and residents, the host country must be outside the U.S., including U.S. territories.
When Does Coverage Become Effective Once I Get a StudentSecure Plan?
Coverage becomes effective on the latest of:
- the moment we receive your application and correct premium (if application and payment is made online or by fax)
- 12:01 a.m. U.S. Eastern Time on the date we receive your application and payment (if application and payment are made by mail)
- the moment you depart from your home country
- 12:01 a.m. U.S. Eastern Time on the date you request on your application if the correct premium is received
- the moment we receive your application and correct premium (if application and payment is made online or by fax)
- 12:01 a.m. U.S. Eastern Time on the date we receive your application and payment (if application and payment are made by mail)
- the moment you depart from your home country
- 12:01 a.m. U.S. Eastern Time on the date you request on your application if the correct premium is received
When Does Coverage Terminate with a StudentSecure Plan?
Coverage terminates on the earliest of:
- 11:59 p.m. Eastern Time on the last day of the period for which you have paid a premium
- 11:59 p.m. Eastern Time on the date requested on your application
- 12:01 a.m. U.S. Eastern Time on the date you no longer meet eligibility requirement
- the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)
- 11:59 p.m. Eastern Time on the last day of the period for which you have paid a premium
- 11:59 p.m. Eastern Time on the date requested on your application
- 12:01 a.m. U.S. Eastern Time on the date you no longer meet eligibility requirement
- the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)
Which Plan Should I Purchase, StudentSecure Elite, StudentSecure Select, StudentSecure Budget, or StudentSecure Smart?
Which plan you choose depends on several factors. We suggest you review the StudentSecure Schedule of Benefits chart to see which of our international student travel health insurance plan meets your needs.
Do StudentSecure Plans Provide Any Home Country Coverage?
Yes. StudentSecure will provide foreign visitors with limited home country coverage.
You must have purchased three months of coverage for the incidental home country coverage to be in effect.
For every three-month period during which you are covered, eligible medical expenses are covered up to a maximum of 15 days.
Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.
For all non-U.S. citizens electing coverage “excluding the U.S.” and for all U.S. citizens or residents, no coverage is provided within the U.S., except for U.S. citizens or residents during an eligible incidental home country visit or an eligible benefit period.
Does the StudentSecure Plan Include Any Coverage for Medical Expenses Related to COVID-19?
If You Purchased Your StudentSecure Policy on Or After May 15, 2020: Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
If You Purchased Your StudentSecure Policy Before May 15, 2020: Your plan contains an applicable exclusion and will NOT cover medical expenses resulting from COVID-19/SARS-CoV-2. The full exclusion reads: Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 or higher travel warning are excluded if:
- the warning has been in effect within the 60 days immediately prior to your date of arrival, or
- within 10 days following the date the warning was issued you have failed to depart the country or location. You can review the exclusion by reading through the “General Exclusions” section of your Description of Coverage (DOC).You will find your DOC in Member Portal. Sign in to the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Description of Coverage."
What International Medical Benefits Are Covered in a StudentSecure Insurance Plan?
To see all the benefits provided with a StudentSecure international student health insurance plan, please visit our StudentSecure product page or see the Description of Coverage.
Are Any Pre-Existing Conditions Covered by a StudentSecure Insurance Plan?
Charges resulting directly or indirectly from any *pre-existing condition are excluded from StudentSecure Elite and StudentSecure Select during the first 6 months of coverage and from StudentSecure Budget during the first 12 months of coverage. All StudentSecure plans include **Acute Onset of Pre-existing Conditions (excluding chronic and congenital conditions) up to a lifetime maximum of $25,000 for eligible expenses. Note that StudentSecure Smart provides Acute Onset of Pre-existing Conditions coverage only.
*Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
**An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
1. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
3. You must be under eighty (80) years of age;
4. You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
6. You must be traveling outside your home country
Is There Any Maternity or Newborn Care Coverage with a StudentSecure Insurance Plan?
When conception occurs after the effective date of coverage, StudentSecure Elite, StudentSecure Select, and StudentSecure Budget plans provide maternity benefits, including but not limited to pre-natal, delivery, and post-natal care for a covered pregnancy, subject to the maximums shown in the Schedule of Benefits and Limits. There is no maternity coverage for StudentSecure Smart.
I Am Planning to Play a Team Sport When I Study Abroad. Am I Covered with a StudentSecure Plan?
StudentSecure Elite, Select, and Budget offer an optional rider that provides coverage for medical expenses resulting from injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports.
The rider for StudentSecure Elite and Select covers up to a maximum of $5,000 per injury or illness. The rider for StudentSecure Budget covers up to a maximum of $3,000 per injury or illness. StudentSecure Smart does not offer a rider for organized sports activities.
To be eligible for coverage, the sports or athletics must be sanctioned by your school and cannot be performed for any wage, reward, or profit.
All four StudentSecure plans include coverage for eligible medical expenses resulting from injuries or illnesses sustained while participating in leisure, recreational, entertainment, or fitness activities. Eligible expenses are covered up to the overall maximum limit. Please review the StudentSecure Description of Coverage for a list of excluded sports and activities.
Is There Mental Health Coverage with a StudentSecure Plan?
StudentSecure provides benefits for mental health disorders (treatment must not be obtained at a student health center).
Under StudentSecure Elite, StudentSecure Select, and StudentSecure Budget, outpatient is covered up to a maximum of 30 visits. Inpatient is covered up to a maximum of 30 days.
Under StudentSecure Smart, outpatient is covered up to a $50 maximum per day and up to a $500 lifetime maximum. Inpatient is covered up to a $5,000 lifetime maximum.
Am I Covered with a StudentSecure Plan if I Have an Accident that Involves Dental Injuries?
The following emergency dental expenses are covered with the StudentSecure international student medical insurance plan:
Emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or damaged in a covered accident, subject to a maximum of $250 per tooth and $500 certificate period maximum; and emergency dental treatment necessary to resolve acute, spontaneous, and unexpected onset of pain subject to a maximum benefit of $100 per certificate period.
Does StudentSecure Provide Coverage for an Emergency Medical Evacuation?
If recommended by your attending physician, who certifies that evacuation is necessary to safeguard your life and that medically necessary treatment is not available locally, and if approved in advance and coordinated by WorldTrips, StudentSecure will provide the following benefit:
Emergency air and/or ground transportation to the nearest hospital that is qualified to provide the medically necessary treatment.
Does StudentSecure Have Emergency Reunion Coverage?
StudentSecure will provide benefits, up to the maximum indicated in the Schedule of Benefits and Limits, for the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized and for reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days in either of the following situations:
1. Following a covered emergency medical evacuation; or
2. You are hospitalized due to a life-threatening injury or illness for more than five days.
WorldTrips must be notified in advance of the travel of the relative in order for Emergency Reunion benefits to be payable. Emergency Reunion benefits that are not related to an emergency medical evacuation will be paid only following the end of the inpatient hospitalization.
You can reach our customer service team by calling them directly at (800) 605-2282 or (317) 262-2132 (collect calls accepted).
Representatives will also answer emails sent to service@worldtrips.com or via Live Chat.
How Can I Access My Personalized Product Links?
Log into Producer Zone using your producer number and password. Then navigate to Sales Tools > Individual Product Links from the main menu.
You may copy these links into an email or integrate them into your website.
I'm Worried About Acts of Terrorism in My Host Country. Is There Coverage for That?
StudentSecure Elite, StudentSecure Select, and StudentSecure Budget provide medical coverage for injuries and illnesses resulting from an act of terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met:
1. The injury or illness does not result from chemical, nuclear, biological, radioactive, or cyber weapons or events.
2. You have no direct or indirect involvement in the act of terrorism.
3. The act of terrorism is not in a country or location where the U.S. Department of State has issued a level 3 “reconsider travel” or higher travel advisory within the 60 days prior to your date of arrival.
4. You have not failed to depart a country or location within 10 days following the date a level 3 or higher travel advisory to leave that country or location is issued by the U.S. Department of State.
An Act of Terrorism Is Defined as: An act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. *StudentSecure Smart does not provide coverage for medical expenses incurred due to an act of terrorism.
Is There Any Accidental Death and Dismemberment Coverage Included with a StudentSecure Plan?
In the event of your accidental death or dismemberment resulting from a covered injury, StudentSecure Elite and StudentSecure Select will provide the following benefit:
- Accidental Death
- Principal sum to the beneficiary designated on your application
- Loss of Sight in Both Eyes or Loss of Two or More Limbs
- Principal sum to you - Loss of Sight in One Eye or Loss of One Limb
- One-half of the principal sum to you Loss of Sight
- Defined as total and irrevocable loss of sight. Loss of Limb
- Defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle.
StudentSecure Elite and StudentSecure Select offer an optional AD&D Rider for an additional $25,000 lifetime maximum. Neither StudentSecure Budget nor StudentSecure Select provides an Accidental Death and Dismemberment benefit. Note that the Accidental Death and Dismemberment benefit is not available for losses resulting from an act of terrorism.
Should Something Happen and Death Occurs, Do You Cover the Transportation of Remains Back Home?
In the event of a covered injury or illness resulting in your death, StudentSecure will provide the following benefit:
Air and/or ground transportation of bodily remains or ashes to the area of your principal residence, and reasonable costs of preparation of your remains necessary for transportation.
What If I Have to Go to the Hospital on the Day My StudentSecure Plan Terminates?
If you are hospitalized as inpatient on your coverage termination date, StudentSecure will provide a benefit period of 60 days for the condition(s) you were hospitalized for only. The benefit period begins on the first date that you receive diagnosis or treatment for that condition and continues for 60 days, regardless of whether you are abroad or return to your home country.
Can I Extend or Renew My StudentSecure Insurance Coverage?
Renewal may be completed within the last 6 months of a 12-month certificate period. Deductible and coinsurance must be re-satisfied as of each renewal date. Extensions and renewals can be made online in Member Portal with payment by credit card.
How Do I Extend My StudentSecure Insurance Coverage?
Follow the below instructions to EXTEND your StudentSecure insurance plan:
- Log into your Member Portal account.
- On your Member Portal home page, click the box labeled "Extend or Renew My Policy" under the "How Can We Help You Today?" header.
- If you are eligible to extend your policy and you do not need to contact a broker or plan administrator in order to do so, you will see the "Extend Policy" page.
- Use the dropdown arrow to insert your new coverage end date and click "Next."
- Fill in your payment information.
- Review the Terms and Conditions and click the checkbox to acknowledge that you have read and accepted them.
- Click the "Submit" button to submit your extension request. Your coverage confirmation will be sent to the email address you entered.
How Do I Cancel My StudentSecure Insurance Coverage?
Most members are able to submit a cancellation request online in Member Portal. Note that only members who have no claims are eligible for a premium refund. After you create your Member Portal account (click here for registration instructions), log in and select “Policy Information” in the top righthand corner. Then select the “Modify Coverage Dates” box. If you are not eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you are eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.”
If Your Policy Has Not Yet Started… You are eligible for a full refund of your premium for free. On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.
If Your Policy Has Already Started… A $25 cancellation fee will apply. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded. If Paying in Monthly Installments… - You may only cancel in whole month increments. If you select a date in the middle of a monthly installment period, the following installment period will not be drafted. - Only premium for unused whole months will be refunded.
If Paid in Full… - Only premium for unused days will be refunded. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days. Please note that after 60 days, no refunds will be granted.
What Is Trip Protection Insurance?
Trip protection insurance is travel insurance designed to protect your trip’s financial investment as you travel domestically or abroad. Designed for U.S. residents, trip protection insurance provides you with reimbursement for lost and stolen baggage, reimbursement for a trip that’s unexpectedly cut short, and medical coverage for unexpected sickness or injury.
Trip protection insurance may also include a Trip Cancellation benefit that reimburses you for prepaid, nonrefundable expenses (cruise, tours, hotel accommodations, airfare, etc.) if you must cancel your trip due to a covered reason.
Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy include a Trip Cancellation benefit, while Atlas On-The-Go does not. See the Atlas Journey or Atlas On-The-Go product page for more details.
What Are Covered Reasons for Trip Cancellation?
Some covered reasons for trip cancellation include:
- A physician recommending that you or your traveling companion cancel your trip due to sickness or accidental injury
- Sickness or injury of your family member, business partner, service animal, or your traveling companion’s family member that requires medical treatment by a physician
- Your death or the death of your traveling companion, family member, business partner, service animal, or traveling companion’s family member
- Severe weather, natural disaster, or strike that causes your common carrier to shut down for 12+ hours
- A terrorist incident in a city listed on your itinerary within 30 days of your planned arrival
This is not an exhaustive list. Please visit the Atlas Journey product page to view the policy documents for your plan and state of residency. These documents include a full list of covered reasons for trip cancellation as well as conditions and exclusions.
What Are Covered Reasons for Trip Interruption?
Some covered reasons for trip interruption include:
- A physician recommending that you or your traveling companion end your trip early due to sickness or accidental injury
- Sickness or injury of your family member, business partner, service animal, or your traveling companion’s family member that requires medical treatment by a physician
- Your death or the death of your traveling companion, family member, business partner, service animal, or traveling companion’s family member
- Severe weather, natural disaster, or strike that causes your common carrier to shut down for 12+ hours
- A terrorist incident in a city listed on your itinerary within 30 days of your planned arrival
This is not an exhaustive list. Please visit the Atlas Journey or Atlas On-The-Go product page to view the policy documents for your plan and state of residency. These documents include a full list of covered reasons for trip interruption as well as conditions and exclusions.
What Is a Trip Cancellation for Any Reason (CFAR) Benefit?
The Trip Cancellation for Any Reason (CFAR) benefit is an optional benefit upgrade that reimburses you for a percentage of the unused, nonrefundable, prepaid payments you made toward your trip if you must cancel for any reason not already covered by your Trip Cancellation benefit.
This benefit upgrade is available when you purchase an Atlas Journey Premier or Atlas Journey Preferred trip protection plan within 21 days of the date your initial deposit for your trip is received. (It is not available for Atlas Journey Economy or Atlas On-The-Go.) You must cancel your trip at least 48 hours prior to your scheduled departure to receive reimbursement via the CFAR benefit.
Note that the percentage of your trip cost that will be reimbursed depends on your plan and the percentage you choose. Visit the Atlas Journey product page to view the policy documents for your plan and state of residency. These documents provide additional details specific to your plan.
How Do I Purchase a Trip Cancellation for Any Reason (CFAR) Benefit?
Visit quote.worldtrips.com/ctp and enter your trip details under “Price My Plan.” Click the “View My Plans” button. On the next page labeled “Choose Your Plan,” click the “Select” button for the Atlas Journey plan you’d like to purchase.
(Note that you must purchase an Atlas Journey Premier or Atlas Journey Preferred plan to add a Trip Cancellation for Any Reason (CFAR) benefit upgrade. The CFAR upgrade is not available for Atlas Journey Economy or Atlas On-The-Go.)
You will add your Trip Cancellation for Any Reason benefit upgrade on the following page labeled “Upgrade Your Plan.” Under the “Cancel for Any Reason” heading, select which percentage of your prepaid, nonrefundable trip expenses (50% or 75%) you would like to be reimbursed if you cancel your trip for any reason 48 or more hours prior to your departure. Then click the “+” sign to add the upgrade to your plan.
Once this additional coverage is added, you will see it listed in the sidebar under “My Plan.” Note that your plan price will increase with each optional upgrade you add.
Once you’ve selected all the upgrades you’d like to add to your plan, click the “Next Step” button toward the bottom of the page. Provide the information requested on the “Traveler Information” page and the “Trip Information” page. Then complete the checkout process to finish purchasing your plan.
Who Is Considered a "Traveling Companion" for Insurance Purposes?
A traveling companion is anyone who has coordinated travel arrangements or vacation plans with you and who intends to travel with you during the trip. A group or tour leader is not considered your traveling companion unless you are sharing room accommodations.
Who Is Considered a "Family Member" for Insurance Purposes?
A family member means any of the following: - Your or your traveling companion's legal spouse (or common-law spouse where legal) - Your, your traveling companion's, your domestic partner's, or your civil union partner's:
- legal guardian, parent, or ward
- brother or sister - son or daughter
- grandparent or great-grandparent
- grandchild or great-grandchild
- aunt or uncle - niece or nephew
- domestic partner or civil union partner
- caregiver or child caregiver
This includes adoptive, foster, step, and in-law relationships.
- legal guardian, parent, or ward
- brother or sister - son or daughter
- grandparent or great-grandparent
- grandchild or great-grandchild
- aunt or uncle - niece or nephew
- domestic partner or civil union partner
- caregiver or child caregiver
This includes adoptive, foster, step, and in-law relationships.
Can I Buy Trip Protection Insurance After Departing on My Trip?
No, you cannot purchase trip protection insurance after you’ve departed on your trip. You can, however, purchase a travel medical insurance plan like Atlas Travel, Atlas Premium, Atlas Group, or Atlas MultiTrip after you’ve departed on your trip if you are traveling outside of your home country. These plans provide coverage for unexpected medical expenses (including COVID-19-related expenses) as well as some supplemental travel benefits.
There is no Trip Cancellation benefit included with travel medical insurance plans. Note that you will only be covered for eligible injuries, illnesses, and travel mishaps that occur after your coverage has gone into effect.
What Is the Latest Date I Can Purchase Trip Protection Insurance?
One day before your departure date is the latest date you can purchase Atlas Journey Premier, Atlas Journey Preferred, or Atlas Journey Economy trip protection insurance.
You can purchase Atlas On-The-Go trip protection insurance the same day you depart for your trip.
If you need insurance coverage after you’ve departed on your trip and you are traveling outside of your home country, consider a travel medical insurance plan like Atlas Travel, Atlas Premium, Atlas Group, or Atlas MultiTrip. These plans provide coverage for unexpected medical expenses (including COVID-19-related expenses) as well as some supplemental travel benefits. Note that coverage for these plans is only provided for eligible injuries, illnesses, and travel mishaps that occur after your coverage has gone into effect.
Can I Purchase Trip Protection Insurance If I'm Not a U.S. Resident?
You must be a U.S. citizen or resident with a mailing address in the U.S. to purchase an Atlas Journey or Atlas On-The-Go trip protection insurance plan.
If you’re not a U.S. resident and you are traveling outside of your home country, consider purchasing a travel medical insurance plan like Atlas Travel, Atlas Premium, Atlas Group, or Atlas MultiTrip. These plans provide coverage for unexpected medical expenses (including COVID-19-related expenses) as well as some supplemental travel benefits. Note that there is no Trip Cancellation benefit included with travel medical insurance plans.
What Is a Pre-Existing Condition?
A pre-existing condition means an illness, disease, or other condition during the lookback period immediately prior to your effective date of coverage for which you:
1. received a test, examination, or medical treatment;
2. received a recommendation for a test, examination, or medical treatment; or
3. took or received a prescription for drugs or medicine.
Item (3) above does not apply to a condition which is treated or controlled solely through the taking of prescription medication and remains treated or controlled without any adjustment or *change in the required prescription throughout the lookback period before your coverage effective date.
*Change in required prescription means the dosage or frequency of a medication has been increased, reduced, stopped, and/or new medications have been prescribed due to the worsening of an underlying condition that’s being treated with the medication, unless the change is:
1. between a brand name and a generic medication with comparable dosage; or
2. an adjustment to insulin or anti-coagulant dosage.
Your Atlas trip protection plan will not cover pre-existing conditions that existed during the lookback period, unless you qualify for a waiver of the pre-existing conditions exclusion. (Note that Atlas On-The-Go does not offer a waiver of the pre-existing conditions exclusion.) Learn more about pre-existing conditions below or review the policy documents for your plan and state of residency for specific coverage details. View the Policy Documents for Atlas Journey and Atlas On-The-Go product pages.
What Is a "Lookback Period"?
A lookback period is the period of time prior to your effective date of coverage in which we will “look back” to determine whether any pre-existing medical conditions existed during that period. Your Atlas trip protection plan will not cover pre-existing conditions that existed during your lookback period, unless you qualify for a waiver of the pre-existing conditions exclusion. (Note that Atlas On-The-Go does not offer a waiver of the pre-existing conditions exclusion.) The lookback period for the Atlas trip protection plans is 90 days for citizens/residents of most states. See the policy documents for your plan and state of residency for details specific to your plan.
How Do I Qualify to Have Pre-Existing Conditions Covered?
Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy will waive the pre-existing conditions exclusion if both the following apply:
- you purchase your plan within 21 days of the date you made your first payment toward your trip; and
- you are medically able to travel on the date of purchase.
Atlas On-The-Go does not offer coverage for pre-existing conditions. Review the policy documents for your plan and state of residency for more details.
What Kinds of Travel Assistance Services Are Included with My Plan?
Wherever you travel with your Atlas trip protection coverage, you can rest easy knowing you have access to multilingual travel assistance services 365 days a year. Some travel assistance services include:
- Worldwide travel, medical, emergency, and security assistance
- Pet assistance - Concierge services - Embassy and consular service
- Medical referrals - Language interpretation
- Assistance with lost or stolen luggage and personal items
- Coordination of personal effects collection and return
- Search and rescue coordination
- Assistance with return of minor children
- Arrangements for aircraft and car return
See the full list of travel assistance services available to you.
What Should I Do if I Experience an Emergency While Traveling?
Contact us immediately, or as soon as possible, to report a cancellation, interruption, or delayed arrival. You can also contact us if you need assistance with a medical situation. Call (866) 400-6090 (toll free) to reach us within the U.S. or +1 (603) 328-6387 (collect calls accepted) to reach us outside the U.S.
We recommend keeping your policy ID card on you at all times in case you need to provide proof of your insurance during a medical emergency. Ensure that you save all relevant documents regarding a travel mishap or medical emergency in the event you need to file a claim. Relevant documents could include receipts, itemized bills, medical records, police reports, reports of lost luggage, etc.
Don’t hesitate to use your plan’s travel assistance services in the event of an emergency while you are traveling. See the travel assistance services available to you.
What Information Do I Have to Provide in Order to Purchase a Trip Cancellation Plan?
You will need the following trip information:
- Total trip cost
- Departure date
- Return date
- Primary destination
- Initial trip payment date
- Final trip payment date
- Airline (optional)
- Cruise line (optional)
- Tour operator (optional)
You will need the following personal information for each traveler on your policy:
- First and last name
- Traveler(s) current age(s) and date of birth
- Gender (optional)
- Email address
- Mailing address
- City of residence
- State of residence
- Postal code
- Phone number
You will need the following credit card information to purchase your policy:
- Name on credit card
- Credit card number
- Credit card expiration date (month and year)
- Credit card security code
What Do I Choose as My State of Residence?
Select the state where you primarily reside as your state of residence. You must be a resident of one of the 50 U.S. states with a mailing address in the selected state in order to purchase an Atlas Journey or Atlas On-The-Go policy.
Note that all travelers on a single policy must reside in the same state.
How Do I Calculate My Total Trip Cost?
Your total trip cost is the combined cost of all prepaid, non-refundable expenses the insured traveler(s) on the policy will have paid by the time they step out the door to start their trip. This amount includes prepaid airline tickets, cruise expenses, accommodations, and trip extras (such as tours, excursions, event tickets, etc.).
What Is Considered My Departure Date?
Your departure date is the date you will leave your home to start your trip. For example, if you will be leaving your home to begin your trip two days before your flight departs, select the date you will leave your home as your departure date—not the date your flight departs.
What Is Considered My Return Date?
Return date is the date you will return to your home after your trip. For example, if you will be arriving home two days after your flight lands, select the date you will return to your home as your return date—not the date your flight lands.
Do I Enter My Current Age or My Age on My Departure Date?
Enter your current age on the day you purchase your policy. If you are traveling with a newborn or infant less than 1 year old, enter 0 for their age.
What Is Considered the Initial Trip Payment Date?
Your initial trip payment date is the date you made your first payment toward your trip. This includes any deposits paid to a travel agent, airline tickets, payments made to a tour or cruise line operator, or any other payments you made for your travel arrangements.
What Destination Do I Choose if I'm Visiting Multiple Destinations?
You may enter all your planned destinations, or you may enter your primary destination only (the destination where you will spend the most time).
If you are taking a cruise, enter your first international port of arrival as your destination.
If you have layovers that are not your primary destination(s), please do not add them as a destination.
Note that you will be covered if you travel outside of your listed destination(s). Please see the terms and conditions for your plan and state of residency for any restricted destinations for certain benefits and see the Policyholder Holder Notice in your fulfillment regarding U.S Department of the Treasury sanctions.
When Will My Coverage Become Effective?
Coverage will begin at 12:01 a.m. EST on your scheduled departure date once we have received your application and full payment.
Your coverage will end at 12:01 a.m. EST at the completion of the final date chosen.
What Should I Do if I Need To Change the Details of My Insurance Plan After I Buy?
Please contact if you need policy assistance. Call (866) 400-6090 (toll free) to reach us within the U.S. or +1 (603) 328-6387 (collect calls accepted) to reach us outside the U.S.
How Do I Access My Insurance and Policy Documents?
You will receive your insurance documents via email as soon as your application has been processed and your credit card has been approved—this is typically within a few minutes of purchase. Your insurance documents will explain your benefits and serve as proof of coverage for everyone insured under the policy. The email will also include a link to your policy documents. Your policy documents explain each of your benefits in detail. They also include important information about policy exclusions and the free look period. You can call us or email customercare@worldtrips.com at any time to request that we resend your insurance documents to your email. To reach us by phone within the U.S., call (866) 400-6090 (toll free). To reach us by phone outside the U.S., call +1 (603) 328-6387 (collect calls accepted). Policy documents for your plan and state of residency can also be accessed at any time via the product page for your plan. See the Atlas Journey product page or Atlas On-The-Go product page. View the Policy Documents. Then click the link for your plan.
Where Can I See My Coverage Limits?
You can find your coverage limits in the insurance documents that you will receive via email upon purchase. You can call us or email customercare@worldtrips.com at any time to request that we resend your policy documents to your email. To reach us by phone within the U.S., call (866) 400-6090 (toll free). To reach us by phone outside the U.S., call +1 (603) 328-6387 (collect calls accepted).
How Do I Cancel My Travel Policy?
Atlas Journey Premier, Atlas Journey Preferred, Atlas Journey Economy, and Atlas On-The-Go each include a free-look period. This is the period after purchase in which you’re eligible for a refund if you decide to cancel your coverage. Review the policy documents for your plan and state of residency to see how long your free-look period lasts.
You can view policy documents for Atlas Journey or Atlas On-The-Go by using the dropdown to select your state. Then click the link for the policy of your choosing. If you have an Atlas Journey or Atlas On-The-Go plan and your policy number starts with a “T,” you may email us at customercare@worldtrips.com to cancel. Please include “Cancellation Request” in the subject line. If your policy number does not start with a “T,” this means you have a travel medical insurance plan.
Atlas Travel Medical Plans
Most members are able to submit a cancellation request online in Member Portal. Note that only members who have no claims are eligible for a premium refund.
After you create your Member Portal account, log in and select “Policy Information” in the top righthand corner. Then select the “Modify or Cancel Coverage” box. If you are not eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you are eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.”
If Your Policy Has Not Yet Started… You are eligible for a full refund of your premium for free. On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.
If Your Policy Has Already Started…A $25 cancellation fee will apply and only the prorated portion of your premium will be refunded. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded.
Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.
How Do I File a Claim?
Please visit https://cbpconnect.com to submit your comprehensive online claim form, along with documentation to support your claim.
What Supporting Documents Should I Include With My Claim?
Examples of supporting documents are as follows:
For a Trip Cancellation Claim: -
- Itinerary/invoice for all trip arrangements
- Proof of payment for trip arrangements
- Proof of cancellation of all trip arrangements
- Documentation supporting your reason for cancellation (e.g., completed attending physician’s statement, death certificate and obituary, jury summons, etc.)
For a Trip Interruption/Travel Delay Claim:
- Itinerary/invoice for all trip arrangements
- Proof of payment for trip arrangements
- Documentation of the date you joined the trip and/or left the trip
- Receipts and proof of payment for any additional expenses claimed
- Documentation supporting your reason for interruption/delay (e.g., medical notes/records, death certificate, evidence of delay or cancellation by your common carrier including the reason for the delay or cancellation, etc.)
For an Emergency Accident & Sickness Medical Expense Claim:
- Itinerary/invoice for all trip arrangements
- Itemized invoices
- Medical notes/records
- Proof of payment for medical expenses incurred during the trip
- Explanation of Benefits (EOB) from your primary health insurer (if coverage is excess)
For a Baggage Damage or Loss Claim:
- Itinerary/invoice for all trip arrangements
- A copy of your claim with the carrier that had possession of the items when they were lost/stolen
- A copy of the resolution of the claim with the carrier
- Itemized list of all items claimed, including the approximate age/date of purchase for each item claimed and proof of the replacement cost for a similar item from a retailer
- If loss was the result of theft, a copy of the police report filed at the time of loss
For a Baggage Delay Claim:
- Itinerary/invoice for all trip arrangements
- Property Irregularity Report (PIR) issued by the common carrier (shows evidence of baggage delay)
- Documentation of the date your baggage was returned to you
- Receipts for personal articles purchased while your baggage was delayed
How Long Will It Take for You To Review My Claims?
Please allow us 15 business days to review your claim.
How Do I Check the Status of a Claim I've Submitted?
Please visit https://cbpconnect.com to check the status of your claim. You may also contact us by phone during regular business hours (Monday – Friday 8:30 a.m. to 5:00 p.m.). Call us at (866) 400-6090 (toll free) if you're within the U.S. or +1 (603) 328-6387 (collect calls accepted) if you're outside the U.S.
How Do I Upload Supporting Documentation for a Claim?
When you file a claim at https://cbpconnect.com, you will see instructions for uploading documents to support your claim. If you are unable to upload your documents using https://cbpconnect.com, you may email the documents to AtlasJourneyClaims@cbpinsure.com.
How Long Will It Take To Receive Payment for an Approved Claim?
If your claim is eligible for payment, you will receive an email asking if you would like to receive your payment by ACH or paper check.
- If you choose to receive payment by ACH: You will be asked to enter your banking information. Payment will be deposited into your account immediately.
- If you choose to receive payment by paper check: We will mail your check within 3 business days via USPS first-class mail.
- If you choose to receive payment by ACH: You will be asked to enter your banking information. Payment will be deposited into your account immediately.
- If you choose to receive payment by paper check: We will mail your check within 3 business days via USPS first-class mail.
How Can I Appeal a Denied Claim?
There is no special form required to file an appeal. If you wish to appeal your claim, you may send us a letter explaining the reason you disagree with the denial of your claim. You will need to include your policy and/or claim number as well as documents that support your claim. Email or mail your reasoning, policy/claim number, and supporting documents to:
Mail:
Attention: Co-ordinated Benefit Plans, LLC On Behalf of US Specialty Insurance Company
P.O. Box 26222 Tampa, FL 33623
OR Email:
AtlasJourneyClaims@cbpinsure.com (please include “Appeal” in the subject line)
Do I Have To Use a Doctor From a Specific List?
You are always free to use the medical providers of your choice. When seeking treatment within the U.S., however, you may reduce your out-of-pocket costs by visiting a provider within your preferred provider organization (PPO).
A PPO is an organized network of hundreds of thousands of qualified medical practitioners and well-recognized hospitals in the U.S.
Refer to the "Schedule of Benefits and Limits" in the Description of Coverage for your plan to determine your coinsurance responsibility for in-network and out-of-network payments within the U.S., if applicable.
Then visit our "Find a Doctor or Hospital" page to find U.S.-based providers within your PPO. Note that there is no PPO for traveling outside the U.S.
Do I Have To Pay the Doctor Up Front?
Many providers are willing to bill us directly, and we are happy to work directly with the provider. The provider should submit original itemized bills to WorldTrips. You, the patient, will still need to submit a completed Claimant's Statement and Authorization form to WorldTrips. If the provider requires you to pay for medical treatment at the time of service, you will need to file a claim for reimbursement. When seeking treatment, please ensure that you provide your name in the same format as provided for your insurance policy. You can check your name format on your fulfillment documents, ID card, or in Member Portal.
At the time of service, ask your medical provider for an itemized bill with the following information:
- Provider name and address
- Provider tax ID (if U.S.-based)
- Your name, date of birth, and certificate ID number
- Itemized charges
- DX (diagnosis) code and CPT (Current Procedural Terminology) code
- Request your receipt for payment and complete medical records from the visit.
Can My Doctor Call if They Have Questions About What My Plan Covers?
Yes. We can define the benefits that are available within your coverage. However, we cannot pre-approve any treatment or guarantee payment in advance.
What Happens if I Become Ill or Injured Over the Weekend and Need to Contact You?
Our World Service Center offers emergency travel assistance services 24/7. Please contact us at 1-800-605-2282 and a representative will be available to assist you.
We also accept collect calls from anywhere in the world at 1-317-262-2132. Mention the country and area code you are calling from and a representative from the World Service Center at WorldTrips will assist you.
What Is a Claimant's Statement and Authorization Form?
The Claimant's Statement and Authorization form is a document that we request when we receive a claim for a new medical condition or episode of care. Your submission of a thoroughly completed and signed Claimant's Statement and Authorization form provides us with information so that we can properly evaluate whether the claim is eligible under your policy. This form also allows us to request medical records from your medical providers.
Where Do I Find the Claimant's Statement and Authorization Form?
- The Claimant’s Statement and Authorization form.
- You can also fill out the form via DocuSign online in Member Portal. (See step-by-step instructions on how to file a claim via Member Portal.)
- You can also contact us at 800-605-2282 to request a form by mail or fax.
How Do I Submit the Claimant's Statement and Authorization Form?
You can complete and submit the Claimant's Statement and Authorization form (along with supporting documents) in one of the following ways:
Via DocuSign within Member Portal (Most Efficient Approach)
1. Go to Member Portal.
2. Log in to your account. If this is your first time using Member Portal, view instructions for registering your new account here.
NOTE: If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.
3. Click "Claims and Appeals" in the main navigation menu. 4. Click the “Submit New Claim Via DocuSign” button under the “Claimant’s Statement and Authorization Form” subheader in the “File a Claim” section and follow the instructions. For more extensive step-by-step instructions, including screenshots, please see our “How to File a Claim” guide.
Don't Have Access to the Claims and Appeals Page? If you noted that you are not the insured or the insured’s legal guardian, you will see the Protected Health Information Authorization page in place of the Claims and Appeals page. Enter the insured’s email address and click “Send Request.” Once the insured has completed and submitted our HIPAA form, you will gain access to the Claims and Appeals page and have the ability to submit a claim within 3-5 days.
By Mail
1. Download the Claimant's Statement and Authorization form here.
2. Print, complete, and sign the form
3. Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. WorldTrips is also happy to fax, e-mail, or mail the form(s) to you upon request.
Important Note for Students:
For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form:
- A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019
- Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)
Do I Need to Send a Completed Claimant's Statement and Authorization Form with Every Bill?
No. You must complete, sign, and submit a Claimant's Statement and Authorization form along with proof of claim (itemized bills, payment receipts, medical records, police reports, etc.) for every incident or condition.
I Completed the Claimant's Statement and Authorization Form and You're Asking for It Again - Why?
We require a completed Claimant’s Statement and Authorization form for each different condition or episode of care. Therefore, if you have completed a Claimant’s Statement and Authorization form for a particular episode of care, you do not need to resubmit. However, if you received treatment for a different condition or episode of care, you will need to complete a new Claimant’s Statement and Authorization form.
What Is An Authorization Form for Use and/or Disclosure of Protected Health Information (Also Known as the HIPAA Form)?
The Authorization Form for Use and/or Disclosure of Protected Health Information (HIPAA form) gives WorldTrips permission to disclose and release protected health information (PHI) to anyone specified on the form. If you wish for your PHI to be disclosed to a specific person, you must complete and sign the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information." If you already submitted the claim form and you did not complete this section, you can submit the HIPAA form separately in one of several ways (see the next Q&A for submission instructions). If you are filing a claim on behalf of another person, you MUST submit this form – signed by the policyholder – in order to speak with us regarding any of the policyholder's PHI. Without this signed form, we may only disclose to you the status of the claim.
How Do I Submit the Authorization Form for Use and/or Disclosure of Protected Health Information (Also Known as the HIPAA Form?
You may complete and submit the form to us in one of the following ways:
- Electronically via Member Portal
- Go to Member Portal.
- Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.
If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details. - Click "Claims and Appeals" in the main navigation menu.
If You See the Protected Health Information Authorization Page: - Because you selected that you are not the insured or the insured's legal guardian upon registering for Member Portal, you do not yet have access to the Claims and Appeals page. - Under the "Protected Health Information Authorization" header, 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 HIPPA form via DocuSign. You will gain access to the Claims and Appeals page and will be able to see the status of any pending claims within 3-5 days of the date the policyholder completed and submitted the form.
If You See the Claims and Appeals Page: - Click the "Fill Out and Submit Via DocuSign" button under the "Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA)" subheader in the "File a Claim" section. - Enter the insured's name and an email address and click the "Begin Signing" button. - Click the yellow "Continue" button, fill out the form and the required information (as noted by the red boxes), have the policyholder sign the form, and click the yellow "Finish" button. - Clicking "Finish" submits the document and sends a PDF of your signed Authorization Form for Use and/or Disclosure of Protected Health Information to the email address entered. 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.
- By Mail
- Download the Authorization Form for Use and/or Disclosure of Protected Health Information.
- Print, complete, and have the policyholder sign the form.
- Mail to:
WorldTrips Claims Department
PO Box 240358
Apple Valley, MN 55124
U.S.A.
How Long Will It Take for My Claim to Be Processed?
Once you have signed and submitted your Claimant's Statement and Authorization form, our claims examiners will review your information. The initial review of your claim will determine whether it will be paid, denied, or if more information is needed to make a final decision. We may request more information from you or your medical providers before your claim is paid or denied. Final processing time of your claim depends on multiple factors. However, you can assist us in reducing your claim pending time by ensuring that we receive all requested information quickly.
How Do I Find Out About the Status of Submitted Claims?
To check the status of a claim, please sign into your Member Portal account. Then follow these steps (or see the “View Your Claim” section of our “How to File a Claim” guide for more detailed instructions including screenshots):
1. From your Member Portal home page, click “File or View Status of Claims” under the “How Can We Help You Today?” header. This will take you to the Claims and Appeals page. (You can also get there by clicking “Claims and Appeals” in the main navigation.)
2. 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.
3. You will be able to see your claim number, the date the claim was incurred, the claim status, and the relevant provider. You can click “View Detail” under each completed step to see more information. You may also email your inquiry to service@worldtrips.com or contact us at 800-605-2282.
1. From your Member Portal home page, click “File or View Status of Claims” under the “How Can We Help You Today?” header. This will take you to the Claims and Appeals page. (You can also get there by clicking “Claims and Appeals” in the main navigation.)
2. 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.
3. You will be able to see your claim number, the date the claim was incurred, the claim status, and the relevant provider. You can click “View Detail” under each completed step to see more information. You may also email your inquiry to service@worldtrips.com or contact us at 800-605-2282.
I Submitted Everything You've Requested - Why Are My Claims Still Not Processed?
While we may have received a completed Claimant’s Statement and Authorization form from you, we may be waiting on medical records from your providers. Each time we request additional information, you will receive a letter notifying you of what is being requested. You may assist us with these requests by contacting the medical provider to request that the medical records be expedited to us.
Is the Explanation of Benefits (EOB) a Bill?
The EOB is not a bill. Rather, it is an explanation of how your claim has been processed.
What Is Subrogation?
In health insurance, subrogation is the process through which an insurance company seeks to recover medical costs from another party’s insurance. For WorldTrips, it refers to those times when you or your family may have submitted a claim for medical care for which a third party is responsible. These types of claims could be car accidents, slip and fall claims, negligence claims, or product liability claims. In cases where a claim for services in the United States is in question, WorldTrips is responsible for administering the claim.
We use Equian, an independent company, to assist us with the investigation and recovery process for these subrogated claims. [equian logo?] - What Equian Will Do? As part of the investigation process, you may receive a letter or email directly from WorldTrips and Equian asking you to provide details regarding an incident or paid medical claim. The date of your consultation or treatment and the name of the healthcare provider will be listed on the letter and the investigation will be allocated an event number.
-What You Need to Do If you have been contacted by WorldTrips and Equian, you can fill out the online subrogation questionnaire at the following link: https://selfservice.troversolutions.com You will be asked to provide your event number, which was provided in the correspondence, so please have it ready to reference. You can also call the toll-free customer service number at +1 (800) 395-5568 to provide the information to an Equian customer service representative.
Customer service hours in the U.S. are as follows:
- Monday through Thursday: 8:30 a.m. until 9:00 p.m., Eastern Standard Time
- Friday: 8:30 a.m. until 7:00 p.m., Eastern Standard Time
- How Helping Us Will Benefit You By providing WorldTrips and Equian with the requested accident-related information, you are able to take an active role in helping to control your healthcare costs. If Equian determines another party was responsible for your injuries, it may seek reimbursement from the responsible party or insurance.
With the Patient Protection Affordable Care Act (PPACA) Law, How Can You Deny Pre-Existing Conditions?
Our policies are not subject to the Patient Protection Affordable Care Act. They do not contain many of the coverages required by PPACA and may contain a pre-existing condition exclusion.
How Do I Become Contracted with WorldTrips?
To become a producer with WorldTrips you will need to submit a contract using one of the links below:
- Complete this form if you are a U.S.-based agent.
- Complete this form if you are a non-U.S.-based agent.
Visit our producer website to learn more about becoming a producer with WorldTrips.
Are There Any Contract Fees or Production Requirements?
There are no sign-up fees or minimum production requirements. We work with producers who regularly sell travel medical insurance as well as those who sell periodically.
Do I Have to Carry a Health Insurance License in Every State?
Agents located in the U.S. must carry a resident health license. Although you do not need a license for every state, the Florida Department of Insurance does require you to hold a non-resident license to solicit business from Florida residents.
Agents located outside the U.S. conducting business outside the U.S. are required to be licensed in the jurisdictions in which they are located.
Can I Sell WorldTrips' Portfolio of Products on My Personal Website?
Yes, customized links are available to our contracted agents in both English and Spanish. These links are electronically coded to your producer ID. They will automatically recognize your account as the writing agent in real time. We will also email a purchase confirmation to you when someone makes a purchase through one of your links.
How Can I View My Production?
Log into Producer Zone using your producer number and password. You will see a dashboard summarizing your recent production on your account homepage. Click any of the “View Details” links on the dashboard for more information on a particular category. Explore the Service Tools sub-menu for additional production detail
When and How Are Commissions Paid?
Commissions are paid each month on the third to the last business day of the month for all commissions owed for all sales since the last commissions received. You may also be eligible for a second commission payment if you sign up to receive payment by EFT (ACH/Wire) and are owed over $100.00 on the second Wednesday of each month.
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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