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.

Your fulfillment documents will include:

Instructional Information

• How to seek medical treatment
• How to file a medical claim
• How to access Client Zone
• How to contact WorldTrips

Declaration Page

• Link to the Description of Coverage for your policy
• Name, address, ID number, and citizenship of the insured
• Policy start and end dates and length of coverage
• Certain policy details including plan name, overall maximum limit, maximum per injury/illness, deductible, and any optional coverage elected
• Purchase date, payment type, and amount paid
• Name and address of plan administrator

Policyholder/Certificate Holder Notice

• Important notice about OFAC sanctions

European Union GDPR Data Protection Notice
(Note that you will only receive this notice if you are a citizen or resident of the European Union OR if you are a visitor traveling to the European Union)

• Information about our privacy policy
• How we use your personal and sensitive information and who we may disclose it to
• Information about your data protection rights
• How to opt out of marketing communications or withdraw your consent

ID Card

• Name of insured(s)
• ID number and effective date of coverage
• Instructions on how to file a claim
• Name and logo of PPO network

You can access your visa letter by signing into your Client Zone account at zone.worldtrips.com/clientzone. Click on the “Policy” tab and choose “Visa Letter” from the dropdown menu. Your visa letter will download automatically.

Your visa letter will confirm that your Atlas Travel policy satisfies Schengen visa health insurance requirements. It will also include the following information:

• Your name
• Your home country and citizenship
• Your destination country or countries
• Your certificate (policy) number
• Your policy’s effective date
• Your policy’s termination date
• An overview of your policy details, including your overall policy maximum, maximum per injury/illness, and deductible
• An overview of important benefits and their coverage amounts
• WorldTrips contact information

You must complete, sign, and submit a Claimant's Statement and Authorization Form along with proof of claim (itemized bills, payment receipts, etc.) for every incident.

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

• Electronically via Client Zone or Student Zone
  • Go to Client Zone at zone.worldtrips.com/clientzone/ or Student Zone at zone.worldtrips.com/studentzone/.
  • Log in to your account. If this is your first time using Client Zone or Student Zone, please click here to view instructions for registering your new account.
  • Click on the "Claims" dropdown and click "Claim & Appeal Documents."
  • Choose "View Submission Instructions for New Claims" and follow the instructions.

• Via Online Submit Claim Request Form
  • Download the Claimant's Statement and Authorization Form here.
  • Complete and sign the form.
  • Visit worldtrips.com/customer-service and select "Submit a claim or appeal for your Atlas Travel, Atlas Premium, StudentSecure, Atlas Group, or Atlas MultiTrip plan" under the "Actions" header.
  • Click the "Submit Claim" button.
  • Fill in the requested information on the Submit Claim Request Form and upload the form, along with additional documentation (medical records, receipts, invoices, etc.).
  • Click "Submit."

• By Mail
  • Download the Claimant's Statement and Authorization Form here.
  • Print, complete, and sign the form.
    

    Mail to:

WorldTrips

Claims Department

Box. No. 2005

Farmington Hills, MI

U.S.A.

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

If you are at least 14 days old and traveling internationally, you are eligible for coverage. You must purchase coverage for at least 5 days, though you do not have to travel all 5 days.

If you are under age 65, you may select an overall maximum limit between $50,000 and $2,000,000. Applicants age 65 to 79 may choose an overall maximum limit of $50,000 or $100,000. Atlas Travel insurance offers a $10,000 policy maximum to applicants over age 80.

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)

Atlas Travel does offer medical expense coverage in your home country in the following situations:

Benefit Period

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, including when you return to your home country, the benefit period applies for up to 90 days only to eligible medical expenses directly related to an injury or illness that was diagnosed or treated while the certificate was in effect. The benefit period begins on the first day of diagnosis or treatment of a covered injury or illness made while you are outside your home country. The benefit period applies whether or not you return to your home country.

Incidental Home Country Coverage

You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.

For individuals with the U.S. as a home country: For every three-month period during which you are covered hereunder, eligible medical expenses incurred in the U.S. are covered up to a maximum of 15 days.

For individuals with a home country other than the U.S.: For every three-month period during which you are covered hereunder, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.

Should you make a change to the location of your home country during the certificate period, you must notify us of such change within fifteen (15) days. Your new home country will govern the terms of any home country or incidental home country coverage.

Any benefit accrued under a sin­gle three-month period does not accumulate to another period. Failure to continue your international trip or you returning to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.

Atlas Travel policyholders who are U.S. citizens or non-U.S. citizens traveling outside of the U.S. will be covered under Atlas International, which provides coverage outside of the United States.

Atlas Travel policyholders who are non-U.S. citizens (and home country is not the United States) traveling to the United States will be covered under Atlas America. (For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands.)

The correct plan will be automatically selected for you when you purchase your Atlas Travel plan, depending on whether your trip includes coverage for the U.S. (You will only be covered for the U.S. if you are a non-U.S. citizen, your home country is not the United States, and all or part of your travel includes the U.S.)

To see an overview of the benefits provided under Atlas Travel insurance coverage, please review our Atlas Travel product page or see the Atlas Travel Description of Coverage.

Yes, Atlas Travel insurance meets Schengen visa requirements. When you purchase an Atlas Travel policy, you will also gain access to a visa letter that can serve as proof of insurance for your Schengen visa.

See Schengen visa insurance requirements and learn how Atlas Travel meets those requirements.

After your initial purchase, you may extend your coverage (5-day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the deductible, nor will benefit limits be reset.

If your travel does not include the United States and you are not a U.S. citizen, you may extend your coverage up to a maximum of 365 days. After 365 days of continuous coverage, you may renew your policy for two additional 365-day coverage periods.

Deductible must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your deductible and Pre-existing Condition provisions.

Extensions or renewals must be made online in the Client Zone with payment by credit card.

Follow the below instructions to EXTEND your Atlas Travel medical insurance plan:

1. Log into your Client Zone account at zone.worldtrips.com/clientzone.
2. Click the “Policy” tab in the main navigation menu at the top of the page.
3. Click “Extend Coverage” in the dropdown menu.
4. Enter the extension of coverage date.
5. Click “Recalculate.”
6. Click “Proceed to Payment Page.”
7. Enter payment information.
8. Click “Extend My Coverage.”
   
   

Your coverage confirmation will be sent to the email address you entered.

You may submit a written cancellation request to [email protected] to cancel your Atlas Travel policy. To be eligible for a full refund, the request for cancellation must be received prior to the effective date.

Cancellation requests received after the effective date will be subject to the following conditions:

• A $25 cancellation fee will apply
• Only the prorated portion of the premium will be refunded
  
  

Only members who have no claims are eligible for a premium refund.

If your group members are at least 14 days old and traveling internationally, they are eligible for coverage. Your group must purchase coverage for at least 5 days, though you do not have to travel all 5 days.

If your group members are under age 65, you may select an overall maximum limit between $50,000 and $2,000,000. Group members age 65 to 79 may choose an overall maximum limit of $50,000 or $100,000. Atlas Group insurance offers a $10,000 policy maximum to applicants over age 80.

The same overall maximum limit must be purchased for every member of your group under the age of 65. The same deductible must be purchased for every member of your group.

Yes. Atlas Group will provide foreign visitors with limited home country coverage. However, there are two types of coverage in the home country, all of which are restricted to medical expenses only:

Benefit Period

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, including when you return to your home country, the benefit period applies for up to 90 days only to eligible medical expenses directly related to an injury or illness that was diagnosed or treated while the certificate was in effect. The benefit period begins on the first day of diagnosis or treatment of a covered injury or illness made while you are outside your home country. The benefit period applies whether or not you return to your home country.

Incidental Home Country Coverage

You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.

For individuals with the U.S. as a home country: For every three-month period during which you are covered hereunder, eligible medical expenses incurred in the U.S. are covered up to a maximum of 15 days.

For individuals with a home country other than the U.S.: For every three-month period during which you are covered hereunder, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.

Should you make a change to the location of your home country during the certificate period, you must notify us of such change within fifteen (15) days. Your new home country will govern the terms of any home country or incidental home country coverage.

Any benefit accrued under a sin­gle three-month period does not accumulate to another period. Failure to continue your international trip or you returning to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.

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.)

To see an overview of the medical expenses covered under an Atlas Group Travel plan, please take a look at our Atlas Group product page or see the Description of Coverage.

In order to be eligible for any of our StudentSecure international student health plans, you must meet the following requirements:

1. Must be:

• a full-time student at a college or university, excluding online colleges and universities, or
• within 31 days of being a full-time student at a college or university, or
• a student under age 19 enrolled in a secondary school, or
• a full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week
  
  

The full-time student/scholar status requirement is waived for participants within the U.S. holding a valid F-1 visa or J-1 visa. Full-time status requirements remain in force for individuals holding M-1 or other category visas.

2. Must be residing outside home country for the purpose of pursuing international educational activities.

3. Must not have obtained residency status in the host country. Participants visiting the U.S. must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested. For U.S. citizens and residents, the host country must be outside the U.S., including U.S. territories.

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

Coverage terminates on the earliest of:

• 11:59 p.m. Eastern Time on the last day of the period for which you have paid a premium
• 11:59 p.m. Eastern Time on the date requested on your application
• 12:01 a.m. U.S. Eastern Time on the date you no longer meet eligibility requirement
• the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)

Which plan you choose depends on several factors. We suggest you review the StudentSecure Schedule of Benefits chart to see which of our international student travel health insurance plan meets your needs.

Yes. StudentSecure will provide foreign visitors with limited home country coverage.

You must have purchased three months of coverage for the incidental home country coverage to be in effect.

For every three-month period during which you are covered, eligible medical expenses are covered up to a maximum of 15 days. 

Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.

For all non-U.S. citizens electing coverage “excluding the U.S.” and for all U.S. citizens or residents, no coverage is provided within the U.S., except for U.S. citizens or residents during an eligible incidental home country visit or an eligible benefit period.

To see all the benefits provided with a StudentSecure international student health insurance plan, please visit our StudentSecure product page or see the Description of Coverage. 

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

When conception occurs after the effective date of coverage, StudentSecure Elite, StudentSecure Select, and StudentSecure Budget plans provide maternity benefits, including but not limited to pre-natal, delivery, and post-natal care for a covered pregnancy, subject to the maximums shown in the Schedule of Benefits and Limits. There is no maternity coverage for StudentSecure Smart.

StudentSecure Elite, Select, and Budget offer an optional rider that provides coverage for medical expenses resulting from injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports.

The rider for StudentSecure Elite and Select covers up to a maximum of $5,000 per injury or illness. The rider for StudentSecure Budget covers up to a maximum of $3,000 per injury or illness. StudentSecure Smart does not offer a rider for organized sports activities.

To be eligible for coverage, the sports or athletics must be sanctioned by your school and cannot be performed for any wage, reward, or profit.

All four StudentSecure plans include coverage for eligible medical expenses resulting from injuries or illnesses sustained while participating in leisure, recreational, entertainment, or fitness activities. Eligible expenses are covered up to the overall maximum limit. Please review the StudentSecure Description of Coverage for a list of excluded sports and activities.

StudentSecure provides benefits for mental health disorders (treatment must not be obtained at a student health center).

Under StudentSecure Elite, StudentSecure Select, and StudentSecure Budget, outpatient is covered up to a maximum of 30 visits. Inpatient is covered up to a maximum of 30 days.

Under StudentSecure Smart, outpatient is covered up to a $50 maximum per day and up to a $500 lifetime maximum. Inpatient is covered up to a $5,000 lifetime maximum.

The following emergency dental expenses are covered with the StudentSecure international student medical insurance plan:

Emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or damaged in a covered accident, subject to a maximum of $250 per tooth and $500 certificate period maximum; and emergency dental treatment necessary to resolve acute, spontaneous, and unexpected onset of pain subject to a maximum benefit of $100 per certificate period.

If recommended by your attending physician, who certifies that evacuation is necessary to safeguard your life and that medically necessary treatment is not available locally, and if approved in advance and coordinated by WorldTrips, StudentSecure will provide the following benefit:

Emergency air and/or ground transportation to the nearest hospital that is qualified to provide the medically necessary treatment.

StudentSecure will provide benefits, up to the maximum indicated in the Schedule of Benefits and Limits, for the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized and for reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days in either of the following situations:

1. Following a covered emergency medical evacuation; or
2. You are hospitalized due to a life-threatening injury or illness for more than five days.
   
   

WorldTrips must be notified in advance of the travel of the relative in order for Emergency Reunion benefits to be payable. Emergency Reunion benefits that are not related to an emergency medical evacuation will be paid only following the end of the inpatient hospitalization.

You can reach our customer service team by calling them directly at (800) 605-2282 or (317) 262-2132 (collect calls accepted).

Representatives will also answer emails sent to [email protected] or via Live Chat.

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.

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.

In the event of a covered injury or illness resulting in your death, StudentSecure will provide the following benefit:

Air and/or ground transportation of bodily remains or ashes to the area of your principal residence, and reasonable costs of preparation of your remains necessary for transportation.

If you are hospitalized as inpatient on your coverage termination date, StudentSecure will provide a benefit period of 60 days for the condition(s) you were hospitalized for only. The benefit period begins on the first date that you receive diagnosis or treatment for that condition and continues for 60 days, regardless of whether you are abroad or return to your home country.

Renewal may be completed within the last 6 months of a 12-month certificate period. Deductible and coinsurance must be re-satisfied as of each renewal date. Extensions and renewals can be made online in Student Zone with payment by credit card.

Follow the below instructions to EXTEND your StudentSecure insurance plan:

1. Log into your Student Zone account at zone.worldtrips.com/studentzone.
2. Click the “Policy” tab in the main navigation menu at the top of the page.
3. Click “Extend Coverage” in the dropdown menu.
4. Enter the extension of coverage date.
5. Click “Recalculate.”
6. Click “Proceed to Payment Page.”
7. Enter payment information.
8. Click “Extend My Coverage.”
   
   

Your coverage confirmation will be sent to the email address you entered.

You may submit a written cancellation request via email to [email protected] to cancel your StudentSecure policy. To be eligible for a full refund, the request for cancellation must be received prior to the effective date.

Cancellation requests received after the effective date will be subject to the following conditions:

• A $25 cancellation fee will apply
• If paying in monthly installments, only premium for unused whole months will be refunded
• If paid in full, only premium for unused days will be refunded
• Only members who have no claims are eligible for a premium refund
• After 60 days, no refunds are granted