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Contact Generali Global Assistance

Travel insurance policyholders can contact Generali Global Assistance by phone or email

Find all the ways to contact Generali Global Assistance. Whether you want to buy travel insurance and assistance services, are on your trip and need Emergency Assistance, wish to utilize your plan's concierge services, have questions about  our plans  and available coverages, or need to start or check on a claim, we're here to help.

Start by asking our Contact Chat for the contact information you need and you will be directed to the correct department:

If you need to start a claim, check on the status of a claim, or contact the Claims Department, you can begin here:

Customer Service

Live chat is available at certain hours. Look for the Start Chat button on desktop or the chat icon on mobile.

Email:  [email protected]

Phone: 800-874-2442 Open 24/7

24/7 Emergency Travel Assistance & Concierge Services

In the United States, toll-free:  800-874-2442 Collect worldwide:  240-330-1529

If you want to contact another Generali company, view our  sister companies  or  non-U.S. resident travel insurance  pages.

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Generali Global Assistance

Thank you for visiting csatravelprotection.com

As part of the worldwide Generali Group we have rebranded our travel protection plans to Generali Global Assistance, offering the same quality travel insurance, emergency assistance and outstanding customer service as you've come to rely on for the last 25 years. Welcome to our new website!

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World Travel Protection

We provide corporate, education and leisure travellers with peace of mind whenever and wherever they travel.

Core Partner

world travel protection phone number

For 30 years, World Travel Protection (WTP) has taken care of corporate and leisure travellers across the globe as a 24-hour emergency assistance and third-party administration (TPA) services specialist. We differentiate ourselves by delivering exceptional care in exceptional circumstances, always.

WTP is part of Cover-More Group, which in 2017 became part of the Zurich Insurance Group. Zurich is one of the world’s leading multi-line insurers, which adds global significance, capacity and opportunity to the World Travel Protection brand.

World Travel Protection’s experienced team of around 200+ full time staff includes case managers, doctors, specialists, nurses, paramedics, counsellors, logistics and security experts who handle over 100,000 assistance cases annually with >1000 medical evacuations / repatriations every year*.

We operate 365 days a year to deliver services seamlessly from our 2 x 24-hour multi-lingual command centres in Toronto & Brisbane that in combination handle more than 1 million inbound and outbound calls and emails for assistance per year. We also provide a range of medical and consulting services directly to corporations, particularly those operating in remote or high-risk locations.

Our clinical and health expertise powers the heart of our operations and is strengthened by a culture of customer service excellence. Most importantly, we know how to assist travellers, whoever and wherever they are. Safe and healthy travel is about more than having medical assistance on hand – it’s also about the preparation, with protection and security services when you need them. That’s why we offer our clients end-to-end, holistic travel programs or, if you prefer, a customised choice of support services.

If you seek uncompromising commitment to customer service, or have an incredible appetite for innovation and determination to make the travel experience better for all, then partner with us. You will discover that we invest in quality partnerships and services that redefine world travel.

* based on 2019 numbers

Send Enquiry

World Travel Protection Australia Level 15, 340 Adelaide St Brisbane, QLD 4000 Australia

World Travel Protection Canada 901 King Street West Suite 300 M5V 3H5 Toronto Canada

world travel protection phone number

MASTERCARD BENEFIT INQUIRIES

Within the U.S.: 1-800-Mastercard (1-800-627-8372) | Outside the U.S.: Mastercard Global Service Phone Numbers

Availability of insurance benefits on your card may vary by card issuer. Please refer to your issuing financial institution for complete insurance benefit coverage terms, conditions and exclusions.

*Offer availability will vary for cardholders when located outside of the contiguous United States.

1. Peacock Ends 3/31/2025, subject to early termination. Must use qualifying Mastercard World or World Elite credit card and subscribe to a full-priced Peacock Premium plan directly from Peacock to receive a $3.00 monthly statement credit. Statement credit ends when user no longer meets eligibility requirements. Excludes current Peacock Premium and Premium Plus subscribers. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see www.peacocktv.com/offer-terms/mastercard . ↩

2. Instacart Ends 3/31/2025, subject to early termination. Add an eligible U.S. World or World Elite Mastercard credit card and subscribe as a new Instacart+ member to receive a free two-month trial and a $10 Instacart coupon on your second qualifying order each month. Must have an active Instacart+ membership paid for with an eligible card and complete one qualifying Instacart order each month. By redeeming this offer, you agree to the Instacart+ terms , and if you select a paid plan, your Instacart+ membership will auto-renew and the applicable membership fee will be billed automatically to any payment method on file until you cancel. Additional terms apply. Please visit www.instacart.com/p/mastercard-offer . ↩

3. ResortPass Ends 9/30/2025, subject to early termination. Make a booking or purchase of a gift card of $200 or more on ResortPass using your eligible World Elite Mastercard and receive a $30 statement credit. Make a booking or purchase of a gift card of $200 or more on ResortPass using your eligible World Mastercard and receive a $20 statement credit. Cannot be combined with other discounts. Statement credits may take up to 60 days to appear on your statement. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see Resortpass.com/mastercard . ↩

4. Lyft Take 3, Get $5: Beginning 4/1/21 and running through 9/30/25, Lyft users can participate in Lyft and Mastercard’s Take 3, Get $5 program (“Program”) by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit (“Credit”). The rides must be paid for with an eligible World or World Elite Mastercard credit card (Apple Card is not eligible for this program, but Apple Pay or Google Pay may be eligible if your World or World Elite Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An “Eligible Ride” is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft’s sole discretion. Credits expire thirty (30) days after application. Limited time only and while supplies last. By participating in the Program, you agree to these terms and Lyft’s Terms of Service ( https://www.lyft.com/terms ), and you agree that Lyft and Mastercard may share your information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to two (2) days to be applied to your Lyft account. ↩

5. Booking.com Mastercard cardholders will receive up to 7% off when booking accommodations marked with the Mastercard label and prepaying for such accommodations using an eligible consumer or small business Mastercard credit card at booking.com/mastercardUS . Offer Period: April 1, 2024 – September 30, 2025, subject to early termination. Eligibility: this offer is available to all U.S. and Canadian residents who are holders of consumer credit and small business Mastercard credit cards issued in the U.S. or Canada. Exclusions: Reservations booked but not prepaid are excluded from the promotion. Must select “Pay now” on the checkout page to receive the offer. Additional Terms and Conditions: To receive the discount, bookings must be prepaid at checkout and made exclusively through booking.com/mastercardUS . The discount is applicable only to prepaid bookings when the option “Pay Now” is selected at the checkout. The discount will be applied automatically at the time of checkout and discount will vary depending on the property and dates selected. The discount applies to the accommodation cost only and does not include any additional fees or taxes. Booking.com reserves the right to modify or terminate this offer at any time without prior notice. All bookings are subject to availability and Booking.com’s terms and conditions . ↩

6. HealthLock HealthLock is an end‑to‑end analytics‑driven platform that helps protect cardholders’ medical identities and data and monitors their medical claims for errors, fraud and overbilling. HealthLock provides three plan levels:

  • Medical Claim Monitor: Helps guard against medical fraud and privacy intrusions by monitoring medical data breaches, providing alerts and helping remediate medical fraud issues.
  • Medical Claim Auditor: Organizes, tracks and audits all healthcare bills (24‑month retroactive audit and ongoing auditing) in one place, verifying that all bills are accurate and identifying potential overcharges and insurance errors. This level includes everything from the previous plan.
  • Medical Claim Saver: Provides access to medical bill negotiation with providers and insurance companies to potentially help reduce bills and reverse claim rejections. This level includes everything from the previous plan.

Enrolled users receive, at no cost, Medical Claim Monitor, plus a premium upgrade to Medical Claim Saver for the first 90 days. After 90 days, users will continue to receive Medical Claim Monitor at no monthly cost and have the option to continue with Medical Claim Auditor for $4.99 per month or Medical Claim Saver for $19.99 per month. See full terms here . ↩

7. ShopRunner Valid through 9/30/2025. To get the free ShopRunner membership offer, compliments of Mastercard, please go to  www.shoprunner.com/mastercard  and verify your eligibility for the offer with a World Mastercard or World Elite Mastercard account number and then complete the sign-up for a ShopRunner membership account. For details on how the ShopRunner membership works, please see the ShopRunner Terms and Conditions at  www.shoprunner.com/terms/sr , which govern the use of your ShopRunner membership offer. ↩

8. Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD. ↩

9. These are summary descriptions only. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability . Contact your issuing financial institution for complete coverage terms and conditions or call 1.800.Mastercard (1.800.627.8372) for assistance. Applicable to U.S. cardholders only. ↩

All third-party trademarks are the property of their respective owners.

world travel protection phone number

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world travel protection phone number

Official websites use .gov A .gov website belongs to an official government organization in the United States.

Secure .gov websites use HTTPS A lock ( Lock A locked padlock ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.

CBP Seal, U.S. Customs and Border Protection:  U.S. Department of Homeland Security. Links to CBP.gov homepage

CBP Information Center

Need answers? We recommend you first use our CBP Information Center website at help.cbp.gov , which has more than 500 answers about CBP policies and procedures.

The CBP Information Center is open Monday–Friday, 8:30 a.m.–8 p.m. Eastern Time.

Submit your question , compliment , complaint or tip online, or call:

U.S. visitors: 877-CBP-5511

Visitors outside the U.S.: +1-202-325-8000

Telecommunications device for the hearing impaired: 7-1-1

Administration & Location Services

CBP Headquarters

Office of Trade Directory

Centers of Excellence and Expertise

Locate a Port of Entry

Locate a Border Patrol Sector

Find a Broker by Port

Information Correction Requests

This website seeks to provide timely and accurate information. If you find an error on cbp.gov, review and complete our Information Correction Form .

I-94 Information & Assistance

Review the "What can I do if I feel the information regarding my departure from the United States is incorrect?" section on the I-94 FAQ page.

Service of Process

Procedures for service of summonses and complaints, as well as subpoenas for actions against the Agency or its personnel in their official capacity.

World Travel Protection

Location & hours.

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Map

400 University Avenue

Toronto, ON M5G 1S5

Downtown Core

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WorldTrips Travel Insurance

1 (800) 605-2282

  • Member Portal (Travel Medical)
  • CBP Portal (Trip Protection)

+1 (800) 605-2282 Outside US: +1 (317) 262-2132

[email protected]

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Claims Resource Center

  • Claims Process

File a Claim

  • Billing and Claims Reimbursement Process
  • Claims Review Process
  • View a Claim
  • Appeal a Claim

To file a claim, you  must   complete ,  sign , and  submit a Claimant's Statement and Authorization form along with supporting documents for every incident. For answers to the most common claims-related questions, see the FAQs section below and select the topic "Claims."

You can complete and submit the Claimant's Statement and Authorization form and supporting documents in one of the following ways:

Docusign Within Member Portal (Most Efficient Approach)

You can complete, sign, and submit the Claimant’s Statement and Authorization form online via  Member Portal , our self-service portal for policyholders.

But First, Did You Register for a Member Portal Account?

To access Member Portal, you will first need to register an account. Click here to register .

If you have already registered your account, follow the instructions below.

If you have an existing Client Zone or Student Zone account, you do not need to register for Member Portal. Simply sign into Member Portal using your Client Zone or Student Zone log in information.

Haven’t Yet Added Your Policy to Your Member Portal Account?

You will need to add your policy to your Member Portal account before you will be able to submit a claim via Member Portal.

1. Visit Member Portal . Enter the email address associated with your account and then click the “Continue Sign In” button.

member-portal-welcome-page

2. On the resulting Sign In page, enter your password below your email address. Then click the “Sign In” button. 

member-portal-sign-in-page

3. You will be presented with your Member Portal home page. Click “Claims and Appeals” in the main navigation menu at the top of the page. 

member-portal-home-page

4. You will be presented with the Claims and Appeals page.

Don’t Have Access to the Claims and Appeals Page?

If you selected that you are not the insured or the insured’s legal guardian upon registration, you will not have immediate access to the Claims and Appeals page. Instead, you will see the Protected Health Information Authorization page. To gain access to this section of Member Portal, enter the insured’s email address and click the “Send Request” button.

The insured will receive an email with a link to complete, sign, and submit the HIPAA form via DocuSign. You will gain access to the Claims and Appeals section and will be able to submit a claim for the policyholder within 3-5 days of the date the policyholder completed and submitted the form.

To file a new claim via DocuSign, click the "Submit New Claim Via DocuSign" button under the "Claimant's Statement and Authorization Form" subheader in the "File a Claim" section.

member-portal-claims-and-appeals-page

5. Enter your name and email address and click the “Begin Signing” button.

docusign-sign-in-page

6. Click the white box next to “I agree to use electronic records and signatures.” Then click the yellow “Continue” button to the right.

docusign-continue-image

7. Fill in all the required information (as indicated by the red text boxes) and sign everywhere a signature is required (as indicated by the yellow “Sign” boxes).  

docusign-claimant-statement-and-authorization

Attach your supporting documents ( medical records, receipts, itemized bills, etc.), if necessary, in the appropriate section via the yellow attachment boxes. If you have more than 3 attachments or exceed the 5MB attachment limit.

docusign-attachment-example

8. When you are done, click the yellow “Finish” button in the top righthand corner.   Clicking “Finish” submits your documents and sends a PDF of your signed Claimant’s Statement and Authorization 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.

Need to Attach More Than 3 Supporting Documents OR Submit Additional Supporting Documents After You Have Already Submitted Your Claim Via DocuSign?

Return to the Claims and Appeals page of the Member Portal and click the “Submit Additional Supporting Documents” button under the “Submit Additional Supporting Documents (If Needed)” subheader in the “File a Claim” section.

You will land on the Submit Additional Supporting Documents page. Use the dropdown to choose your claim number. (If you have just submitted your Claimant’s Statement and Authorization form and do not yet have a claim number to select, you can still submit your documents without selecting a claim number.) Then upload your files and click the “Submit” button.

Once your documents have been successfully submitted, you will receive a confirmation email with your policy number, confirmation of the types of documents submitted (for a claim or appeal), your claim number (if selected), and the number of documents you submitted.

  • Download the  Claimant’s Statement and Authorization form here .
  • Print, complete, and sign the Claimant’s Statement and Authorization form. Mail the completed form, along with additional supporting documentation (medical records, receipts, itemized bills, etc.), 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 to you upon request.

Important Note If You Are Filing This Claim on Behalf of Another Person

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." (This section of the claim form is also referred to 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.

Already Submitted Your Claim and Did Not Complete Supplement D?

You do not need to submit a whole new claim form.  See your options for submitting the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPAA form) separately here .

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)

If you have questions or need assistance, please call global customer support at (800) 605-2282.

Important Note Regarding Upfront Payments

If you paid for medical treatment upfront and wish to be reimbursed for an approved claim electronically, make sure you complete the appropriate section of the Claimant's Statement and Authorization form titled "Supplement C -  Payment Authorization Agreement Form." If you do not make your selection and fill out the information for your preferred payment type, you will receive a paper check for reimbursement of any eligible expenses to the name and address listed on file.

If you have already submitted your claim and did not fill out the "Authorization Agreement Form - Wire Payments” section, you do not need to submit a whole new claim form. You may instead fill out and submit the Payment Authorization Agreement Form with your payment preference via DocuSign within  Member Portal .

Sign in and click “Claims and Appeals” in the main navigation. Then click the “Fill Out and Submit Via DocuSign” button under the “Payment Forms” subheader in the “File a Claim” section.

Enter your name and email address and click the “Begin Signing” button. Click the box next to “I agree to use electronic records and signatures.” Then click the yellow “Continue” button, select your preferred payment type, fill in the required information (as noted by the red boxes), sign the form, and click the yellow “Finish” button.

Clicking “Finish” submits your document and sends a PDF of your signed Payment Authorization Agreement 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.

If 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 within 3-5 days.

FAQs: WorldTrips' Insurance Plans

How Do I Register for a Member Portal Account?

1. Visit Member Portal at  https://worldtrips.my.site.com/MemberPortal . 2. Under “Continue Sign In” click “First-time user? Register for an account.”

member-portal-welcome-page

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.

member-portal-registration-page

  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.”

member-portal-sign-in-page-white

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.

member-portal-multifactor-authentication-page

  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."

member-portal-forgot-password-page

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.

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?

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?

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.

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 .

  • 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 [email protected]. 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 [email protected] . 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?

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
  • 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

Learn more about your ID card here .

How Do I Access My Visa Letter?

What Information Is Included in the Visa Letter?

How Does My Deductible Work?

Am I Eligible for an Atlas Travel Insurance Plan?

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?

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?

What Is Covered Under the Atlas Travel Insurance Plan?

Does the Atlas Travel Insurance Plan Provide Any Trip Cancellation Coverage?

Does the Atlas Travel Insurance Plan Meet Schengen Visa Requirements?

Can I Extend or Renew My Atlas Travel Insurance Coverage?

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?

Is My Group Eligible for an Atlas Group Travel Plan?

Does the Atlas Group Travel Insurance Plan Provide Any 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?

Am I Eligible for an Atlas Nomads Insurance Plan?

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?

Does the Atlas Nomads Plan Include Any Coverage for Medical Expenses Related to COVID-19?

What Is Covered Under the Atlas Nomads Insurance Plan?

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?

Can I Renew My Atlas Nomads Insurance Coverage?

Can I Extend My Atlas Nomads Insurance Coverage?

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?

When Does Coverage Become Effective Once I Get a StudentSecure Plan?

When Does Coverage Terminate with a StudentSecure Plan?

Which Plan Should I Purchase, StudentSecure Elite, StudentSecure Select, StudentSecure Budget, or StudentSecure Smart?

Do StudentSecure Plans Provide Any Home Country Coverage?

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?

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?

I Am Planning to Play a Team Sport When I Study Abroad. Am I Covered with a StudentSecure Plan?

Is There Mental Health Coverage with a StudentSecure Plan?

Am I Covered with a StudentSecure Plan if I Have an Accident that Involves Dental Injuries?

Does StudentSecure Provide Coverage for an Emergency Medical Evacuation?

Does StudentSecure Have Emergency Reunion Coverage?

How Can I Access My Personalized Product Links?

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?

What If I Have to Go to the Hospital on the Day My StudentSecure Plan Terminates?

Can I Extend or Renew My StudentSecure Insurance Coverage?

How Do I Extend My StudentSecure Insurance Coverage?

Follow the below instructions to EXTEND your StudentSecure insurance plan:

  • Log into your Member Portal account.
  • 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.

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?

What Are Covered Reasons for Trip Cancellation?

What Are Covered Reasons for Trip Interruption?

What Is a Trip Cancellation for Any Reason (CFAR) Benefit?

How Do I Purchase a Trip Cancellation for Any Reason (CFAR) Benefit?

Who Is Considered a "Traveling Companion" for Insurance Purposes?

Who Is Considered a "Family Member" for Insurance Purposes?

Can I Buy Trip Protection Insurance After Departing on My Trip?

What Is the Latest Date I Can Purchase Trip Protection Insurance?

Can I Purchase Trip Protection Insurance If I'm Not a U.S. Resident?

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"?

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?

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?

How Do I Calculate My Total Trip Cost?

What Is Considered My Departure Date?

What Is Considered My Return Date?

Do I Enter My Current Age or My Age on My Departure Date?

What Is Considered the Initial Trip Payment Date?

What Destination Do I Choose if I'm Visiting Multiple Destinations?

When Will My Coverage Become Effective?

What Should I Do if I Need To Change the Details of My Insurance Plan After I Buy?

How Do I Access My Insurance and Policy Documents?

Where Can I See My Coverage Limits?

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 [email protected] 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?

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:

  • 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:

  • 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:

  • 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:

  • 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?

How Do I Check the Status of a Claim I've Submitted?

How Do I Upload Supporting Documentation for a Claim?

How Long Will It Take To Receive Payment for an Approved Claim?

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

[email protected] (please include “Appeal” in the subject line)

Do I Have To Use a Doctor From a Specific List?

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?

What Happens if I Become Ill or Injured Over the Weekend and Need to Contact You?

What Is a Claimant's Statement and Authorization Form?

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?

I Completed the Claimant's Statement and Authorization Form and You're Asking for It Again - Why?

What Is An Authorization Form for Use and/or Disclosure of Protected Health Information (Also Known as the HIPAA Form)?

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

  • 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. 
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.
  • 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?

How Do I Find Out About the Status of Submitted Claims?

I Submitted Everything You've Requested - Why Are My Claims Still Not Processed?

Is the Explanation of Benefits (EOB) a Bill?

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?

How Do I Become Contracted with WorldTrips?

Are There Any Contract Fees or Production Requirements?

Do I Have to Carry a Health Insurance License in Every State?

Can I Sell WorldTrips' Portfolio of Products on My Personal Website?

How Can I View My Production?

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 is a service company and a member of the Tokio Marine HCC group of companies.

WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.

WorldTrips' Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.

In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705

IMAGES

  1. World Travel Protection

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  2. Travel Risk Management Tools

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  3. About

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  5. Travel Security Assistance

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  5. Testing an Identity Protection Stamp from Amazon!

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COMMENTS

  1. Contact Us

    100 King Street West Suite 5350. Toronto, Ontario, M5V 3H5, Canada. Telephone: +1 416-977-3565. 24/7 Assistance: +1 416-977-8305. Toll-Free: +1-800-667-2523.

  2. 24/7 Emergency Travel Assistance

    At World Travel Protection we put the health and well-being of travellers at the forefront of everything we do. ... they can contact our expert Command Centre team in seconds via our Travel Assist App or call our 24/7 Emergency ... 500,000. The number of calls for help we receive on an annual basis. 1,000. The number of commercial repatriations ...

  3. About

    At World Travel Protection, protecting people is our priority. We have taken care of corporate and leisure travellers for over 30 years, helping them prevent and mitigate risks before they escalate and providing them with immediate access to the right experts when an emergency occurs. Our decades of experience in global travel risk management ...

  4. Contact Us

    Live chat is available at certain hours. Look for the Start Chat button on desktop or the chat icon on mobile. Email: [email protected]. Phone: 800-874-2442. Open 24/7.

  5. World Travel Protection

    At World Travel Protection, it doesn't matter how big - or how small - the medical emergency is, we're here to help. ... so immediate help via our 24-hour emergency assistance hotline is always only one phone call away. Plus, our Travel Assist App keeps travellers informed with pre- and mid-trip alerts relating to any relevant or nearby ...

  6. Get 24/7 emergency assistance when you travel

    No matter where you are or when you wish to call, the information below provides the best number to contact the emergency assistance team. Global contacts. World Travel Protection. For plans purchased on or after 12.1.2020. U.S./Canada (toll-free): 1-844-215-1672; Outside U.S./Canada (collect): 1-647-775-8042; Email:

  7. Travel Assistance Program

    WORLD TRAVEL PROTECTION Toll free in the United States or Canada: 1.800.667.7222 Collect outside of the United States: 1.416.977.8687 Policyholder: Policy Number: Email: [email protected] Assistance Provider: World TravelProtection Mobile App Download: Instructions Rev. 1120 | STARRCOMPANIES.COM Travel Assistance Program Habitat for Humanity ...

  8. World Travel Protection

    Number of Personnel. About. For 30 years, World Travel Protection (WTP) has taken care of corporate and leisure travellers across the globe as a 24-hour emergency assistance and third-party administration (TPA) services specialist. ... Phone: +33 (0)1 55 30 09 10. Address: 17 rue d'Antin, 75002 Paris, France.

  9. Contact Us

    Atlas Travel®, Atlas Premium™, Atlas Group®, Atlas MultiTrip™, Atlas Nomads™, & StudentSecure® PHONE: Within the United States: (800) 605-2282 (toll-free) Outside the United States: +1 (317) 262-2132 (collect calls accepted) PHONE HOURS: Emergency Travel Assistance Services & Policy Benefit Information: 24/7 Non-Emergency Travel Assistance Services, Policy Assistance, & Claims ...

  10. WorldAgent Direct

    No fees whether you book online or by phone, with 72-hour holds, flexible payment, change and cancellation policies and much more. Travel Protection Plans that ensure vacation investments are protected. Outstanding U.S.-based Customer Engagement Center, giving you the highest level of support, service and expertise. Register for WorldAgent Direct.

  11. Customer Resources

    You can also submit a claim or contact us for travel insurance assistance. ... and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). ... operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705. 4 Carter Green, Suite 400 ...

  12. Travel & Lifestyle Benefits

    4. Lyft Take 3, Get $5: Beginning 4/1/21 and running through 9/30/25, Lyft users can participate in Lyft and Mastercard's Take 3, Get $5 program ("Program") by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit ("Credit"). The rides must be paid for with an eligible World ...

  13. Worldwide Trip Protector

    When your travel needs call for a broad plan but cost-saving takes priority, our signature worldwide trip protector is the answer. Worldwide Trip Protector, popular with families, features coverage for children at no extra charge when traveling with their related adult on the same plan. Available to U.S. residents.

  14. Travel Assistance

    Travel assistance, on the other hand, helps proactively minimise damage or inconvenience caused by travel disruptions or emergencies that may arise while you're away. The service is available 24 hours a day, 7 days a week. The support is rapid and convenient to access, making it a necessary measure for risk managers who want to ensure duty of ...

  15. What is LeisureCare?

    LeisureCare travel protection is available up to 10 days following the date you make the final payment on your trip. To purchase LeisureCare travel protection, go to Access Your Reservation to verify eligibility. For all the latest tips and tricks of cruising be sure to check out the Cruises.com Blog!

  16. Contact Us

    The CBP Information Center is open Monday-Friday, 8:30 a.m.-8 p.m. Eastern Time. Submit your question, compliment, complaint or tip online, or call: U.S. visitors: 877-CBP-5511. Visitors outside the U.S.: +1-202-325-8000. Telecommunications device for the hearing impaired: 7-1-1.

  17. World Travel Protection

    Contact Information. 300 - 901 King St W. Toronto, ON M5V 3H5. Get Directions. Visit Website. Email this Business. (416) 977-3565.

  18. Contact Us

    If you are covered under a Business Travel Accident policy provided by Zurich in North America, please contact us: In the US and Canada +1-800-263-0261 Worldwide collect +1-416-977-0277 Email [email protected] Fax +1-416-205-4622

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    You could be the first review for World Travel Protection. Filter by rating. Search reviews. Search reviews. Phone number (416) 977-3565. Get Directions. 400 University Avenue Toronto, ON M5G 1S5 Canada. Suggest an edit. Other Places Nearby. Find more Health & Medical near World Travel Protection.

  20. File A Claim

    To file a claim, you must complete, sign, and submit a Claimant's Statement and Authorization form along with supporting documents for every incident. For answers to the most common claims-related questions, see the FAQs section below and select the topic "Claims." You can complete and submit the Claimant's Statement and Authorization form and supporting documents in one of the following ways:

  21. Travel Medical Assistance

    24/7 Travel Medical Assistance and Monitoring. When you call World Travel Protection, you'll be put in touch with someone from our medical team. These registered nurses, paramedics and medical specialists aren't only equipped to help provide medical assistance over the phone, they also help travellers access the best medical care wherever ...

  22. Mario Fonseca Email & Phone Number

    CLAIMS Department at World Travel Protection View Contact Info for Free . Mario Fonseca Email & Phone number. Engage via Email. m***@wtp.ca. Engage via Phone (416) ***-**** ... Mario Fonseca's headquarters phone number is (416) 977-3565 Which industry does Mario Fonseca work in? Mario Fonseca works in the industry of Travel Agencies ...

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    Get the details of Carla Bungaro's business profile including email address, phone number, work history and more. Products. Contact & Company Search Sales Automation Conversation Intelligence Workflows. ... At World Travel Protection, protecting people is our priority. We have taken care of corporate and leisure travellers for years, helping ...