Atlas Travel®, Atlas Group®, & StudentSecure®
Find frequently asked questions and answers for your Atlas Travel, Atlas Group, or StudentSecure plan below. If you don't see the question and answer you're looking for, please contact us. We’re happy to assist you!
Do you have an Atlas Journey® or Atlas On-The-Go® trip protection insurance plan? Explore trip protection insurance FAQs here.
Jump Ahead:
General
Q |
When and How Will I Receive My Fulfillment Documents? |
A |
During the checkout process, you will have the option to receive your ID cards and other fulfillment documents by:
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. |
Q |
What Is Included in the Fulfillment Documents? |
A |
Your fulfillment documents will include: Instructional Information
Declaration Page
Policyholder/Certificate Holder Notice
European Union GDPR Data Protection Notice
ID Card
|
Q |
How Do I Access My Visa Letter? |
A |
You can access your visa letter by signing into your Member Portal account at worldtrips.my.site.com/MemberPortal. Click “Policy Information” in the main navigation and click the box labeled “Download Visa Letter.”
Need help registering a Member Portal account or adding a policy to your account? See our “How to Submit a Claim” guide. |
Q |
What Information Is Included in the Visa Letter? |
A |
Your visa letter will confirm that your Atlas Travel policy satisfies Schengen visa health insurance requirements. It will also include the following information:
|
Q |
How Do I Submit a Claim? |
A |
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. 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:
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.
Important Note for Students For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form: |
Q |
Can I Submit a Claim on Behalf of Someone Else? |
A |
Yes, you may submit a claim on behalf of someone else, but you must fill out the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information" - also known as the HIPPA form.
We must have a completed copy of this form signed by the policyholder if you wish to speak with us regarding any of the policyholder's Protected Health Information (PHI). Without this signed form, we may only disclose to you the status of the claim.
If you have already submitted a claim and you did not complete this section OR if WorldTrips has requested that you submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA), you do not need to fill out another claim form. View the Q&A below to see your options for separately completing and submitting the HIPPA form. |
Q |
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? |
A |
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 (HIPPA), you do not need to fill out another claim form. You can submit the HIPPA form separately in one of the following ways:
WorldTrips is also happy to fax, email, or mail the form(s) to you upon request.
|
Atlas Travel®
Q |
Am I Eligible for an Atlas Travel® Insurance Plan? |
A |
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. |
Q |
When Does My Atlas Travel® Coverage Become Effective and When Does it End? |
A |
Your Atlas Travel insurance coverage becomes effective on the latest of:
Your coverage will end on the earliest of:
|
Q |
Does the Atlas Travel® Plan Provide Any Home Country Coverage? |
A |
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. |
Q |
Does the Atlas Travel® Plan Include Any Coverage for Medical Expenses Related to COVID-19? |
A |
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.
Visit "How Coronavirus Affects Your Coverage" to learn more.
If You Purchased Your Atlas Travel Policy Before July 15, 202: 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:
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 at worldtrips.my.site.com/MemberPortal. Sign in to the portal and click the box on the home page labeled "Description of Coverage."
Visit "How Coronavirus Affects Your Coverage" and learn more. |
Q |
What Are Atlas International® and Atlas America®? |
A |
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.) |
Q |
What Is Covered Under the Atlas Travel® Insurance Plan? |
A |
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. |
Q |
Does the Atlas Travel® Insurance Plan Provide Any Trip Cancellation Coverage? |
A |
Atlas Travel does not provide any reimbursement if you must cancel your trip prior to departure. However, it does include a Trip Interruption benefit if you must end your trip early due to a covered reason.
Note that Atlas Travel medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. It also provides more medical benefits with higher coverage limits than most travel insurance plans.
If you're a U.S. citizen or resident looking for travel insurance with a Trip Cancellation benefit, you should consider Atlas Journey® trip cancellation insurance. Visit the Atlas Journey product page for details about this plan. |
Q |
Does the Atlas Travel® Insurance Plan Meet Schengen Visa Requirements? |
A |
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. |
Q |
Can I Extend or Renew My Atlas Travel® Insurance Coverage? |
A |
After your initial purchase, you may extend your coverage (
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
Extensions or renewals must be made online in the Member Portal with payment by credit card. |
Q |
How Do I Extend My Atlas Travel® Insurance Coverage? |
A |
Follow the below instructions to EXTEND your Atlas Travel medical insurance plan:
Your coverage confirmation will be sent to the email address you entered. |
Q |
How Do I Cancel My Atlas Travel® Insurance Coverage? |
A |
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:
Only members who have no claims are eligible for a premium refund. |
Atlas Group®
Q |
Is My Group Eligible for an Atlas Group® Travel Plan? |
A |
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. |
Q |
Does the Atlas Group® Travel Insurance Plan Provide Any Home Country Coverage? |
A |
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 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. |
Q |
Does the Atlas Group® Plan Include Any Coverage for Medical Expenses Related to COVID-19? |
A |
If You Purchased Your Atlas Group Policy on Or After July 15, 2020:
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 at worldtrips.my.site.com/MemberPortal. Sign in to the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Description of Coverage." |
Q |
What are |
A |
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.)
|
Q |
What Medical Expenses are Covered Under an Atlas Group® Travel Plan? |
A |
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. |
StudentSecure®
Q |
Am I Eligible for a StudentSecure® International Student Health Insurance Plan? |
A |
In order to be eligible for any of our StudentSecure international student health plans, you must meet the following requirements: 1. Must be:
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. |
Q |
When Does Coverage Become Effective Once I Get a StudentSecure® Plan? |
A |
Coverage becomes effective on the latest of:
|
Q |
When Does Coverage Terminate with a StudentSecure® Plan? |
A |
Coverage terminates on the earliest of:
|
Q |
Which Plan Should I Purchase, StudentSecure® Elite, StudentSecure® Select, StudentSecure® Budget, or StudentSecure® Smart? |
A |
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. |
Q |
Do StudentSecure® Plans Provide Any Home Country Coverage? |
A |
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. |
Q |
Does the StudentSecure® Plan Include Any Coverage for Medical Expenses Related to COVID-19? |
A |
If You Purchased Your StudentSecure Policy on Or After May 15, 2020:
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 at worldtrips.my.site.com/MemberPortal. Sign in to the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Description of Coverage." |
Q |
What International Medical Benefits Are Covered in a StudentSecure® Insurance Plan? |
A |
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. |
Q |
Are Any Pre-Existing Conditions Covered by a StudentSecure® Insurance Plan? |
A |
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:
|
Q |
Is There Any Maternity or Newborn Care Coverage with a StudentSecure® Insurance Plan? |
A |
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. |
Q |
I Am Planning to Play a Team Sport When I Study Abroad. Am I Covered with a StudentSecure® Plan? |
A |
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. |
Q |
Is There Mental Health Coverage with a StudentSecure® Plan? |
A |
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. |
Q |
Am I Covered with a StudentSecure® Plan if I Have an Accident that Involves Dental Injuries? |
A |
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. |
Q |
Does StudentSecure® Provide Coverage for an Emergency Medical Evacuation? |
A |
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. |
Q |
Does StudentSecure® Have Emergency Reunion Coverage? |
A |
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:
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. |
Q |
I'm Worried About Acts of Terrorism in My Host Country. Is There Coverage for That? |
A |
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:
An Act of Terrorism Is Defined 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. |
Q |
Is There Any Accidental Death and Dismemberment Coverage Included with a StudentSecure® Plan? |
A |
In the event of your accidental death or dismemberment resulting from a covered injury, StudentSecure Elite and StudentSecure Select will provide the following benefit:
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. |
Q |
Should Something Happen and Death Occurs, Do You Cover the Transportation of Remains Back Home? |
A |
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. |
Q |
What if I Have to Go to the Hospital on the Day My StudentSecure® Plan Terminates? |
A |
If you are hospitalized as |
Q |
Can I Extend or Renew My StudentSecure® Insurance Coverage? |
A |
Renewal may be completed within the last 6 months of a 12-month certificate period. Deductible and coinsurance must be re-satisfied as of each renewal date. Extensions and renewals can be made online in Member Portal with payment by credit card. |
Q |
How Do I Extend My StudentSecure® Insurance Coverage? |
A |
Follow the below instructions to EXTEND your StudentSecure insurance plan:
Your coverage confirmation will be sent to the email address you entered. |
Q |
How Do I Cancel My StudentSecure® Insurance Coverage? |
A |
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:
|
KHE2FFFYH6SP-971744701-813
WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. 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.