Manage Your Travel Medical Insurance Policy

Welcome to our instructional page for managing your travel medical insurance policy through the Member Portal. Here, you'll find comprehensive guidance on how to effectively use the portal's features. Our user-friendly instructions will help you register your policy, view detailed information, make changes, extend your coverage, or even cancel your policy if necessary. Follow the steps below to navigate the various options available and take full control of your travel medical insurance.

How To Register for a Member Portal Account

To view your claim status via Member Portal, you will first need to register for a Member Portal account. Here’s how:

1. Visit Member Portal at

2. Under “Continue Sign In” click “First-time user? Register for an account.”


3. On the Register page, enter the email address you wish to use to sign into your account. This email does not need to match the email address associated with your policy.

Enter your policy number and select whether or not you are the insured or the insured’s legal guardian. Enter the insured’s first and last name as entered on the policy. (You can see how the insured’s name was entered on your ID card and fulfillment documents that were sent to you upon purchase.)

Enter the insured’s date of birth. Then choose a password. Follow the password instructions noted on the page.

Read and agree to the terms and conditions by checking the box. Then click the “Continue” button.


4. You will be taken to the Sign In page. Enter the email address and password you used to register your account and click “Sign In.”


5. To add an additional layer of security when signing into your account, you will be prompted to choose your preferred multifactor authentication method.

Options Include:

a. Okta Verify - Click "Setup" if you wish to use a push notification sent to the mobile app

b. SMS Authentication* - Click "Setup" if you wish to enter a single-use code that is sent to your mobile phone

c. Voice Call Authentication* - Click "Setup" if you wish to follow voice instructions via phone

d. Security Question - Click "Setup" if you wish to answer a security question

*Please be sure to use a method which you will have continual access to on your travels. Do not use phone numbers that will not work outside of your current service area.


6. Follow the setup instructions of your chosen multifactor authentication method. Then click “Finish.”

7. On the resulting page, choose a "Forgot Password" question. Make sure you select a question with only one correct answer that is easy to remember.

Type the answer into the blank box below "Answer." You will need this answer to access your account if you ever forget your Member Portal password and need to reset it.

You may also choose to add a phone number for resetting your password or unlocking your account using SMS text message or a voice call if you don’t have access to your email.

Click "Create My Account."


How To Add a Policy to Member Portal

You will need to add each policy you wish to view in Member Portal. Adding a policy will allow you to view and edit your policy details, extend or renew your policy (if eligible), view the status of your claim, and more.

1. To add a policy, sign into your Member Portal account.

2. From your home page, click into the white box in the top lefthand corner of the page next to “Viewing” (below the WorldTrips logo). Click “+ Add Policy.”


3. Fill in the policy number for the plan you wish to add to your account. Select whether or not you are the insured or legal guardian of the insured. Add the first name, last name, and date of birth for the insured member on the policy. This must match the information on the policy. Then click the “Add Policy” button.


Once you have successfully added your policy, you should be able to see it in your Member Portal account.

How To View Your Claims Status in Member Portal

1. On the Member Portal welcome page, enter the email address you used to register your account and click the “Continue Sign In” button.


2. On the resulting Sign In page, enter the password you entered when you created your account below your email address. Click "Sign In."


3.  From your Member Portal home page, click “File or View Status of Claims” under the “How Can We Help You Today?” header.


4. This will take you to the Claims and Appeals page. (You can also get here by clicking “Claims and Appeals” in the main navigation.) Scroll down and find your claim(s) under the “Claims” header. 


5. You will be able to see your claim number, the date the claim was incurred, the claim status, and the relevant provider.


6. Click the arrow to the right of the claim you wish to view to see more information for the claim, including where your claim is in the claim process (whether it has been started, whether there has been a request for more information, whether the outcome of the claim has been determined, and whether your Explanation of Benefits is ready for review).

You can click “View Detail” under each completed step to see more information.


7. When finalized, each claim will have an Explanation of Benefits (EOB) associated with it. To view the EOB for the claim, click “Download your Explanation of Benefits.” Then open the downloaded PDF to view your EOB. 


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



How To Troubleshoot Viewing Your Claim

Did You Register for a Member Portal Account?  
Visit the Member Portal welcome page at and click “First-time user? Register for an account” below the “Continue Sign In” button. Follow the instructions to create your Member Portal account.

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 see your claim status in Member Portal.

Don’t See Your Claim? 
You will need to add your policy to your Member Portal account before you will be able to see your claim status on 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.

How To Submit a Claimant Appeal Request Form via Docusign Within Member Portal

Step 1
You can complete, sign, and submit the Claimant Appeal Request form online via Member Portal, our self-service portal for policyholders.


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


Step 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.


Step 4
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.”


Step 5
On the resulting Sign In page, enter your password below your email address. Then click the “Sign In” button.


Step 6
Enter your name and email address and click the “Begin Signing” button.


Step 7
Click the yellow “Continue” button to the right.


Step 8
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).

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.


Step 9
When you are done, click the yellow “Finish” button at the bottom of the page. 
Clicking “Finish” submits your documents and sends a PDF of your signed Claimant Appeal Request Form to your email.

Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.


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