Travel Medical Insurance

It’s Smart To Prepare for the Unexpected

It’s smart to prepare for the unexpected. Get coverage for health scares, travel mishaps, and emergencies as you explore the world abroad. WorldTrips’ travel medical insurance offers:

  • Customizable Coverage Customize your deductible, length of coverage, and overall coverage maximum.
  • Flexibility – Purchase coverage while traveling, extend your coverage, or easily cancel your policy if your plans change.
  • Ease of Use – Your policy documents will be emailed immediately upon purchase, and you can manage your plan via our online Member Portal.
  • Why Do I Need Travel Medical Insurance?

    Travel medical insurance is no longer a luxury. In many cases, it could be a necessity. Here are a few reasons why you may need travel medical coverage for your international adventure:

  • young-traveler-woman-in-red-dress-and-hat-sitting-on

    Traveling Abroad

    Your regular health insurance may not cover you abroad. And very few plans pay for medical evacuation.

  • stockholm-old-town-(gamla-stan)-cityscape-from-city-hall-top-

    Country Requirements

    Some countries require travel medical insurance for entry. Atlas Travel meets Schengen visa and J-1 visa requirements.

  • young-group-of-tourists-with-suitcases-arriving-at-youth-hostel

    Group Trips

    Some trip types require insurance.
    Think organized tours, study abroad trips, mission trips, and cruises.

  • young-asian-woman-in-international-airport--using-mobile-smartphone-and

    Travel Delays

    A lengthy travel delay could leave you stranded at the airport. In situations like this, you’ll appreciate covered reimbursement for meals and a hotel stay.

  • young-female-traveler-walking-with-a-yellow-suitcase-at-the

    Checked Luggage

    Your airline could lose your luggage. Travel medical insurance could cover the cost of replacing clothes and toiletries.

Why WorldTrips

Who is insuring you is just as important as the insurance plan you choose. For the past 25 years, WorldTrips has provided travel insurance and compassionate service to help our customers travel fearlessly. Our knowledgeable customer representatives are available 24/7 to respond to your travel emergencies, no matter the situation, time zone, or spoken language.

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“Of the top eight travel insurance companies in our review, WorldTrips’ underwriting company is the only one to have an A++ (Superior) financial strength rating from AM Best.”

Explore Travel Medical Insurance Plans

WorldTrips’ travel medical insurance plans are called Atlas Travel. We offer two Atlas Travel plans that can help cover you nearly anywhere your adventures take you.

Atlas Travel

Atlas Travel is our standard travel medical insurance plan designed for single international trips. It is the most popular of our travel medical insurance plans. 

Atlas Premium

Atlas Premium provides the same benefits as our basic Atlas Travel plan with higher coverage limits for many important benefits. It may be ideal for shorter trips.

What Is the Difference Between Travel Medical Insurance and Trip Cancellation Insurance?

Travel Medical Insurance

Travel medical insurance provides coverage for medical bills from unexpected injury and illness, along with travel benefits for mishaps and emergencies. Travel medical plans tend to be budget-friendly because they do not include trip cancellation coverage. Travelers from most countries who are exploring the world abroad are eligible for a travel medical plan.

Optional upgrades include Crisis Response, Personal Liability, and Accidental Death & Dismemberment—or bundle all three and save. You can also add up to $2,000 of device protection for your phone, laptop, or tablet if you’re entering or exiting the United States.

Trip Cancellation Insurance

Trip cancellation insurance (also known as trip protection insurance) includes some medical coverage, but its core benefit is Trip Cancellation. This benefit provides coverage for prepaid, nonrefundable trip expenses if you cancel your trip for a covered reason. Trip cancellation insurance is only available to U.S. residents, but they may be traveling domestically and/or abroad.

Optional upgrades include Cancel for Any Reason, Interrupt for Any Reason, Adventure Sports, Primary Medical, Rental Car Damage and Theft, Medical Evacuation, Pet Care, Baggage, Rental Accommodations, School Activities, Hunting and Fishing, and Destination Wedding. (Be sure to check your coverage. Availability of upgrades can depend on the plan you choose and your state of residency.)

Eligibility TRAVEL MEDICAL INSURANCE TRIP CANCELLATION INSURANCE
U.S. citizens and residents
Non-U.S. citizens and residents
Domestic coverage
International coverage
TRAVEL MEDICAL INSURANCE TRIP CANCELLATION INSURANCE
Eligibility
U.S. citizens and residents
Non-U.S. citizens and residents
Domestic coverage
International coverage
Benefits Coverage TRAVEL MEDICAL INSURANCE TRIP CANCELLATION INSURANCE
Canceled trip
Interrupted trip
Unexpected medical expenses
Emergency medical evacuation
Pre-existing conditions Included with stipulations
24/7 emergency assistance
TRAVEL MEDICAL INSURANCE TRIP CANCELLATION INSURANCE
Benefits Coverage
Canceled trip
Interrupted trip
Unexpected medical expenses
Emergency medical evacuation
Pre-existing conditions
Included with stipulations
24/7 emergency assistance

More Travel Medical Insurance Plans

Need coverage for a large group, remote work, or multiple trips? Explore additional travel medical plans designed to better serve your individual needs.

Digital Nomad

Atlas Nomads is travel medical insurance designed for non-U.S. residents who are traveling and working abroad as digital nomads.

Group Travel

Atlas Group provides the same benefits and services of our popular Atlas Travel plan at a 10% reduced rate for groups of 5 or more. Our group travel plans may be ideal for family reunions, mission trips, student trips, and more!

Annual Travel

Atlas MultiTrip covers you for any number of pre-planned or last-minute trips abroad throughout a one-year period. Whether you’re constantly traveling for business or pleasure, an annual travel medical plan can help you save.

Travel to the U.S.

Atlas America is our Atlas Travel plan for international visitors to the United States. Some U.S. visas require travel medical insurance. Our Atlas America plan can help make sure you or your family members have coverage.

FAQs: WorldTrips' Travel Medical Insurance Plans

How Do I Register for a Member Portal Account?

Register for a Member Portal account. Here’s how:

1. Visit Member Portal at https://worldtrips.my.site.com/MemberPortal.
2. Under “Continue Sign In” click “First-time user? Register for an account.”

 member-portal-welcome-page

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.

 member-portal-registration-page

 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.”

 member-portal-sign-in-page-white

 

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.

 member-portal-multifactor-authentication-page

 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."

 member-portal-forgot-password-page

How Do I Submit a Claim?

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:

- Via DocuSign within Member Portal (Most Efficient Approach)

1. Go to Member Portal (formerly Client Zone / Student Zone).
2. Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.

If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

3. Click "Claims and Appeals" in the main navigation menu.
4. Click “Submit New Claim Via DocuSign” button under the “Claimant’s Statement and Authorization Form” subheader in the “File a Claim” section and follow the instructions.

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.

-By Mail
1. Download the Claimant's Statement and Authorization form.
2. Print, complete, and sign the form. Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. WorldTrips is also happy to fax, e-mail, or mail the form(s) to you upon request.

Important Note for Students
For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form:
- A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019
- Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)

Can I Submit a Claim on Behalf of Someone Else?

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 HIPAA 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. 

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?

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 (HIPAA), you do not need to fill out another claim form. You can submit the HIPAA form separately in one of the following ways:

- Electronically via Member Portal

  1. Go to Member Portal.
  2. Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.

If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

  1. Click "Claims and Appeals" in the main navigation menu.

If You See the Protected Health Information Authorization Page:

- Because you selected that you are not the insured or the insured's legal guardian upon registering for Member Portal, you do not yet have access to the Claims and Appeals page.
- Under the "Protected Health Information Authorization" header, 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 HIPPA form via DocuSign. You will gain access to the Claims and Appeals page and will be able to see the status of any pending claims within 3-5 days of the date the policyholder completed and submitted the form.

If You See the Claims and Appeals Page:

- Click the "Fill Out and Submit Via DocuSign" button under the "Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA)" subheader in the "File a Claim" section.
- Enter the insured's name and an email address and click the "Begin Signing" button.
- Click the yellow "Continue" button, fill out the form and the required information (as noted by the red boxes); have the policyholder sign the form, and click the yellow "Finish" button.
- Clicking "Finish" submits the document and sends a PDF of your signed Authorization Form for Use and/or Disclosure of Protected Health Information to the email address entered. 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.

- By Mail
  1. Download the Authorization Form for Use and/or Disclosure of Protected Health Information.
  2. Print, complete, and have the policyholder sign the form.
  3. Mail to:
    WorldTrips Claims Department
    PO Box 240358
    Apple Valley, MN 55124
    U.S.A.

When and How Will I Receive My Fulfillment Documents?

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.


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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