How to Submit a Claim

1. Present your insurance ID card to your medical provider at the time of service.
   
   *Make sure that you provide your name in the same format as provided for your insurance policy. You can see your insured name format on your ID card, as well as your fulfillment documents and in Client Zone. 


2. Unless you are required to pay for medical treatment at the time of service, your provider will submit your claim directly to WorldTrips.


3. WorldTrips will send you a letter notifying you that we have received your claim.


4. We will also request a Claimant’s Statement and Authorization Form or other information from you. If the information requested from you is not received by us within 45 days, your case may be closed.

Click here to learn how to submit the Claimant’s Statement and Authorization Form and other supporting documents to WorldTrips.

Once the fully completed Claimant’s Statement and Authorization Form is received, WorldTrips may request medical records from the billing providers and/or any medical provider.

*WorldTrips requests to receive this information from the provider(s) within 45 days of the original request.

*If medical records are requested, you may reach out to the billing provider(s) and/or medical provider(s) to obtain copies—or submit to us the records you collected at the time of service. However, this is typically the provider’s responsibility.

5. WorldTrips will complete the claims process once we have all the necessary information.


6. If the claim is deemed eligible, WorldTrips will secure any preferred provider discounts (if applicable).

We encourage providers to bill us directly, rather than requiring immediate payment from you. While we are always willing to pay providers directly for eligible claims, we cannot guarantee that the provider will accept your proof of insurance at the time of service.

1. Present your insurance ID card to your medical provider at the time of service.
   
   *Make sure that you provide your name in the same format as provided for your insurance policy. You can see your insured name format on your ID card, as well as your fulfillment documents and in Client Zone. 
   
   
2. Ask your medical provider for your complete medical records from the visit as well as the receipt for your payment. Request an itemized bill with the following information:

a. Provider name and address

b. Provider tax ID (if U.S.-based)

c. Your name, date of birth, and policy/certificate ID number

d. Itemized charges

e. DX (Diagnosis) code and CPT (Current Procedural Technology) code. These are the codes your physician’s office uses to tell our claims examiners which procedures, diagnoses, and services you received during your visit.

*Keep your medical records, receipt, and itemized bills.

3. You must complete, sign, and submit the Claimant’s Statement and Authorization Form for every incident. Once the fully completed Claimant’s Statement and Authorization Form is received, WorldTrips may request medical records from the billing providers and/or any medical provider.

Click here to learn how to submit the Claimant’s Statement and Authorization Form and other supporting documents to WorldTrips.

*If medical records are requested, you may reach out to the billing provider(s) and/or medical provider(s) to obtain copies—or submit to us the records you collected at the time of service. However, this is typically the provider’s responsibility.

*WorldTrips requests to receive this information from the provider(s) within 45 days of the original request

4. We will also request receipts, invoices, and/or itemized bills from you. You will have 45 days to send us the information.

*Be sure to keep a copy of all submitted documents for your records.

5. WorldTrips will complete the claims process once we have all the necessary information.


6. If the claim is deemed eligible, WorldTrips will secure any preferred provider discounts (if applicable).

1. Present your insurance ID card to your medical provider at the time of service.
   
   *Make sure that you provide your name in the same format as provided for your insurance policy. You can see your insured name format on your ID card, as well as your fulfillment documents and in Client Zone. 


2. Unless the provider will be billing WorldTrips directly, you will pay for treatment at the time of service.


3. At the time of service, ask your medical provider for your complete medical records from the visit as well as the receipt for your payment.

Also request an itemized bill with the following information:

a. Provider name and address

b. Your name, date of birth, and certificate ID number

c. Itemized charges

d. DX (Diagnosis) code and CPT (Current Procedural Terminology) code (these are the codes your physician’s office uses to tell our claims examiners which procedures, diagnoses, and services you received during your visit)

*Keep your medical records, receipt, and itemized bill.

4. You must complete, sign, and submit the Claimant’s Statement and Authorization Form for every incident. Once the fully completed Claimant’s Statement and Authorization Form is received, WorldTrips may request medical records from the billing providers and/or any medical provider.

Click here to learn how to submit the Claimant’s Statement and Authorization Form and other supporting documents to WorldTrips.

*If medical records are requested, you may reach out to the billing provider(s) and/or medical provider(s) to obtain copies—or submit to us the records you collected at the time of service. However, this is typically the provider’s responsibility.

*WorldTrips requests to receive this information from the provider(s) within 45 days of the original request.

5. We will also request receipts, invoices, and/or itemized bills from you. You will have 45 days to send us the information.

*Be sure to keep a copy of all submitted documents for your records.

6. WorldTrips will complete the claims process once we have all the necessary information.

1. Download the Claimant’s Statement and Authorization Form here.
2. Complete and sign the form.
3. Visit https://service.worldtrips.com and select “Submitting a Claim or an Appeal” under the “Contact Us” header.
4. Click the “Submit Claim” button.
5. Fill in the requested information on the Submit Claim Request Form and upload the form, along with additional documentation (medical records, receipts, etc.).
6. Click "Submit."

1. Download the Claimant’s Statement and Authorization Form here.


2. Print, complete, and sign the form and

a. Email to [email protected]

OR

b. Mail to:

WorldTrips
Claims Department
Box. No. 2005
Farmington Hills, MI 48333-2005
U.S.A.

WorldTrips is also happy to fax, e-mail, or mail the form to you upon request.

You can complete, sign, and submit the Claimant’s Statement and Authorization Form online via Client Zone, our self-service portal for policyholders.

1. Click "Log in" next to "Already registered with two-factor authentication?" You'll find this below the "Next" button.

2. On the resulting "Sign In" page, enter the email address and password you used to create your account. Click "Sign In."

3. After you log in, you will see the following screen. In the navigation bar, click on "Claims." Then select "Claim Information" in the drop-down menu.

4. On the Claim Information page, click the "Select" button in the "Claims Forms" section.

5. After clicking the "Select" button, the following page will appear:

Follow the instructions on the page for filling out and submitting the form.

You can find the Claimant's Statement and Authorization Form online via Student Zone, our self-service portal for student policyholders.

1. Click "Log in" next to "Already registered with two-factor authentications?" You'll find this below the "Next" button.

2. On the resulting "Sign In" page, enter the email address and password you used to create your account. Click "Sign In."

3. After you log in, you will see the following screen. In the navigation bar, click on "Claims." Then select "Claim Information" in the drop-down menu.

4. On the Claim Information page, click the "Select" button in the "Claim Forms" section.

5. After clicking the "Select" button, the following page will appear:

Follow the instructions on the page for filling out and submitting the form.

You must authorize the payment of medical benefits to the provider by signing and dating the section of the Claimant's Statement and Authorization Form labeled "2C. Assignment of Benefits Authorization." You will find section "2C" under "Part C: Medical Record Authorization."

Providers must mail itemized bills, including diagnosis, to:

WorldTrips 
Claim Department 
Box. No. 2005 
Farmington Hills, MI 48333-2005 
U.S.A.

You must pay for medical treatment at the time of service and file a claim for reimbursement.

To file a claim, you must submit a completed Claimant’s Statement and Authorization Form as well as all original itemized bills and paid receipts to WorldTrips.

You can complete and submit the Claimant’s Statement and Authorization Form in one of four ways:

• Complete and submit the form electronically via Client Zone / Student Zone
• Download and complete the form and then upload it to the Submit Claim Request Form via the Customer Service page
• Download and complete the form and then attach and send via email to [email protected]
• Download, print, and complete the form and send by mail to:

WorldTrips
Claim Department 
Box. No. 2005 
Farmington Hills, MI 48333-2005 
U.S.A.

Click here to jump to the “How to Complete and Submit the Claimant’s Statement and Authorization Form and Supporting Documents” section to see detailed submission instructions.

We encourage you to make copies of all documentation (Claimant’s Statement and Authorization Form, bills, receipts, etc.) you send to us for your own records.

1. On the Client Zone login page, select "Log in" next to "Already registered with two-factor authentication?" You'll find this below the "Next" button.

2. On the resulting "Sign In" page, enter the email address and password you used to create your account. Click "Sign In."

3. Click "Claims" in the main navigation bar to see a dropdown menu of claim-related information.

Dropdown menu items include:

Claim Information: View and submit claim forms, search for medical referrals, or review frequently asked questions.

Claims & Explanation of Benefits: View the status of an ongoing or completed claim (learn more below).

Letters: See any letters you have on file (see Appendix 1 to view the types of letters sent by WorldTrips).

4. Click "Claim Information" in the dropdown menu to view and submit claim forms, search for medical referrals, or review frequently asked questions.

5. Click "Claims & Explanation of Benefits" in the dropdown menu to view the status of a claim.

Here's an example of what you will see in the "Claims & Explanation of Benefits" section:

This section is populated with the following information:

When finalized, each claim will have an Explanation of Benefits (EOB) associated with it.

1. To view the EOB, click on "EOB" under the "Claim #" section.

2. After click on the "EOB" icon, a message will appear notifying you that the EOB is downloading.

You can open the downloaded PDF document on your computer or mobile phone to view the EOB. You may also save the EOB document to a device or print it.

An example EOB is shown below. It displays the various data elements contained within a standard EOB from WorldTrips.

1. On the Student Zone login page, select "Log in" next to "Already registered with two-factor authentication?" You'll find this below the "Next" button.

2. On the resulting "Sign In" page, enter the email address and password you used to create your account. Click "Sign In."

3. Click "Claims" in the main navigation bar to see a dropdown menu of claim-related information.

Dropdown menu items include:

Claim Information: View and submit claim forms, search for medical referrals, or review frequently asked questions.

Claims & Explanation of Benefits: View the status of an ongoing or completed claim (learn more below).

Letters: See any letters you have on file (see Appendix 1 to view the types of letters sent by WorldTrips).

4. Click "Claim Information" in the dropdown menu to view and submit claim forms, search for medical referrals, or review frequently asked questions.

5. Click "Claims & Explanation of Benefits" in the dropdown menu to view the status of a claim.

Here's an example of what you will see in the "Claims & Explanation of Benefits" section:

This section is populated with the following information:

When finalized, each claim will have an Explanation of Benefits (EOB) associated with it.

a. To view the EOB, click on "EOB" under the "Claim #" section.

b. After clicking on the "EOB" icon, a message will appear notifying you that the EOB is downloading.

You can open the downloaded PDF document on your computer or mobile phone to view the EOB. You may also save the EOB document to a device or print it.

An example EOB is shown below. It displays the various data elements contained within a standard EOB from WorldTrips.

1. Visit https://service.worldtrips.com.
2. Select “Submitting a Claim or an Appeal” under the “Contact Us” header.
3. Click “Submit Appeal.”
4. Fill in the requested information on the Claimant Appeal Request Form and upload additional documentation that supports your reasoning and position (medical records, receipts, etc.).
5. Click "Submit."

1. Download the Claimant Appeal Request Form here.


2. Fill out the form and email it, 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
Box No. 2058
Farmington Hills, MI 48333-2005
U.S.A

1. Write a letter of appeal following the appeal procedure instructions outlined in your policy documents/certificate of coverage.


2. 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
Box No. 2058
Farmington Hills, MI 48333-2005
U.S.A

1. Go to zone.worldtrips.com/clientzone.

2. Enter the email address you used to purchase your policy or another valid email address. Then hit "Next."

3. Enter the policy/certificate number located on your fulfillment documents or member ID card.

Click the calendar icon to enter your date of birth. Choose the decade in which you were born. Then choose the year. Then choose the month, followed by the day.

Click "Next."

4. Enter your email address.

Enter a password that has at least:

• 8 characters
• A lowercase letter
• An uppercase letter
• A number

No part of your password may include your username.

Enter your password again to confirm. Read through the terms and conditions and select the checkbox if you agree. Click "Register."

You will receive an email welcoming you to Client Zone at the email account you used to register.

5. Return to Client Zone and enter the email address you used to create your Client Zone account.

Enter the password you created. Click "Sign In."

6. To add an additional later of security when signing into your account, choose your preferred multifactor authentication method.

Options Include:

a. Okta Verify - Click "Setup" if you wish to enter a single-use code from 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

7. Follow the setup instructions of your chosen multifactor authentication method.

Once you've set up multifactor authentication, you will receive an email notifying you that you have successfully enrolled.

8. 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 password and need to change it.

Click "Create My Account."

Once you have created a new account, you may enter your credentials and log into Client Zone.

1. Go to zone.worldtrips.com/studentzone.

2. Enter the email address you used to purchase your policy or another valid email address. Then hit "Next."

3. Enter the policy/certificate number located on your fulfillment documents or member ID card.

Click the calendar icon to enter your date of birth. Choose the decade in which you were born. Then choose the year. Then choose the month, followed by the day. Click "Next."

4. Enter your email address.

Enter a password that has at least:

• 8 characters
• A lowercase letter
• An uppercase letter
• A number

No part of your password may include your username.

Enter your password again to confirm. Read through the terms and conditions and select the checkbox if you agree. Click "Register."

You will receive an email at the email account you used to register welcoming you to Student Zone.

5. Return to Student Zone and enter the email address you used to create your Student Zone account.

Enter the password you created. Click "Sign In."

6. To add an additional layer of security when signing into your account, choose your preferred multifactor authentication method.

Options Include:

a. Okta Verify - Click "Setup" if you wish to enter a single-use code from 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

7. Follow the setup instructions of your chosen multifactor authentication method.

Once you've set up multifactor authentication, you will receive an email notifying you that you have successfully enrolled.

8. 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 password and need to change it. Click "Create My Account."

Once you have created a new account, you may enter your credentials and log into Student Zone.