Subrogation Claims

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.



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:


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.


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.