World Insurance Travel Claims

World Insurance, a trusted producer of WorldTrips, guides you through filing claims for your Atlas or StudentSecure travel insurance, managed directly by WorldTrips.

How to File a Claim with WorldTrips

World Insurance helps you navigate the claims process for your WorldTrips Atlas or StudentSecure plan. Follow these steps to submit your claim directly to WorldTrips.

Claims Within the United States

Claims Outside the United States

  1. Report the Claim: Notify WorldTrips within 60 days of the loss, or as soon as reasonably possible, using the Member Portal at https://worldtrips.my.site.com/MemberPortal. You or someone on your behalf can report, providing enough information to identify you (e.g., policyholder name, policy ID).

  2. Visit a provider, find a Doctor with Air Doctor or find a UnitedHealthcare PPO Network Doctor
  3. Present your WorldTrips ID card, ensuring your name matches the policy format.
  4. If the provider bills WorldTrips directly, they submit the claim. Otherwise, pay upfront and request an itemized bill with provider details, diagnosis (DX) codes, and CPT codes.
  5. Complete the Claimant’s Statement and Authorization Form (available in the Member Portal) and submit within 45 days.

  6. Submit Proof of Loss: Provide proof of loss (e.g., receipts, itemized bills, medical records) within 60 days of the loss, or as soon as reasonably possible, via the Member Portal or e-mail to: service@worldtrips.com

      1. Report the Claim: Notify WorldTrips within 60 days of the loss, or as soon as reasonably possible, using the Member Portal at https://worldtrips.my.site.com/MemberPortal. You or someone on your behalf can report, including details to identify you.

      2. Visit any licensed provider (no network restrictions for international claims).
      3. Present your WorldTrips ID card.
      4. Pay upfront unless the provider bills WorldTrips directly and request complete medical records and an itemized bill.
      5. Complete the Claimant’s Statement and Authorization Form and submit within 45 days via the Member Portal.

      6. Submit Proof of Loss: Provide proof of loss (e.g., receipts, itemized bills, medical records) within 60 days of the loss, or as soon as reasonably possible, via the Member Portal or e-mail to service@worldtrips.com

    World Insurance advises reporting your claim to WorldTrips within 60 days of the loss, or as soon as reasonably possible. You or someone on your behalf can submit the notice through the Member Portal at https://worldtrips.my.site.com/MemberPortal, including details to identify you (e.g., policyholder name, policy ID). Provide proof of loss, such as receipts, itemized bills, and medical records, within 60 days of the loss, or as soon as reasonably possible, via the Member Portal or by e-mailing to: service@worldtrips.com. Contact World Insurance for assistance with the process.

    Claims Within the United States

    1. Report the Claim: Notify WorldTrips within 60 days of the loss, or as soon as reasonably possible, using the Member Portal at https://worldtrips.my.site.com/MemberPortal. You or someone on your behalf can report, providing enough information to identify you (e.g., policyholder name, policy ID).

    2. Visit a provider, find a Doctor with Air Doctor or find a UnitedHealthcare PPO Network Doctor
    3. Present your WorldTrips ID card, ensuring your name matches the policy format.
    4. If the provider bills WorldTrips directly, they submit the claim. Otherwise, pay upfront and request an itemized bill with provider details, diagnosis (DX) codes, and CPT codes.
    5. Complete the Claimant’s Statement and Authorization Form (available in the Member Portal) and submit within 45 days.

    6. Submit Proof of Loss: Provide proof of loss (e.g., receipts, itemized bills, medical records) within 60 days of the loss, or as soon as reasonably possible, via the Member Portal or e-mail to: service@worldtrips.com

      Claims Outside the United States

      1. Report the Claim: Notify WorldTrips within 60 days of the loss, or as soon as reasonably possible, using the Member Portal at https://worldtrips.my.site.com/MemberPortal. You or someone on your behalf can report, including details to identify you.

      2. Visit any licensed provider (no network restrictions for international claims).
      3. Present your WorldTrips ID card.
      4. Pay upfront unless the provider bills WorldTrips directly and request complete medical records and an itemized bill.
      5. Complete the Claimant’s Statement and Authorization Form and submit within 45 days via the Member Portal.

      6. Submit Proof of Loss: Provide proof of loss (e.g., receipts, itemized bills, medical records) within 60 days of the loss, or as soon as reasonably possible, via the Member Portal or e-mail to service@worldtrips.com

      Start Your Claim with WorldTrips

      NOTE: World Insurance recommends keeping copies of all documents. Contact us for assistance with the process.

      Documentation for WorldTrips Claims

      World Insurance advises preparing the following documents for a smooth claims process with WorldTrips:

      • Claimant’s Statement and Authorization Form: Completed and signed for each incident, available in the Member Portal.
      • Itemized Bill: Must include provider name, address, your name, date of birth, WorldTrips policy/certificate ID, itemized charges, DX codes, and CPT codes.
      • Receipts: Proof of payment for services paid upfront.
      • Medical Records: Complete records from the visit, including diagnosis and treatment details.
      • For StudentSecure Plans: A copy of your education-related visa (F1, J1, OPT, etc.), valid I-20/DS2019, and proof of full-time student status (if applicable).

      Note: WorldTrips may request additional records within 45 days. World Insurance can assist with document preparation.

      Direct Billing & Reimbursement with WorldTrips

      World Insurance outlines how WorldTrips handles payments and reimbursements for your claims.

      Direct Billing

      Reimbursement

      If a provider bills WorldTrips directly:

      • Sign the “Assignment of Benefits Authorization” section in the Claimant’s Statement and Authorization Form.
      • Providers must send itemized bills to: WorldTrips Claims Department to: service@worldtrips.com

      If you paid upfront:

      • Submit the Claimant’s Statement and Authorization Form, itemized bills, and receipts via the Member Portal or mail.
      • For electronic reimbursement, complete the “Authorization Agreement Form – Wire Payments” in the form.
      • Otherwise, WorldTrips issues a paper check to the address on file.

      Direct Billing

      If a provider bills WorldTrips directly:

      • Sign the “Assignment of Benefits Authorization” section in the Claimant’s Statement and Authorization Form.
      • Providers must send itemized bills to: WorldTrips Claims Department to: service@worldtrips.com

      Reimbursement

      If you paid upfront:

      • Submit the Claimant’s Statement and Authorization Form, itemized bills, and receipts via the Member Portal or mail.
      • For electronic reimbursement, complete the “Authorization Agreement Form – Wire Payments” in the form.
      • Otherwise, WorldTrips issues a paper check to the address on file.

      Note: World Insurance can answer questions about billing or reimbursement processes.

      Track Your Claim with WorldTrips

      World Insurance clients can check claim status and access their Explanation of Benefits (EOB) through WorldTrips’ Member Portal.

      1. Log in to the Member Portal (use Client Zone for Atlas plans, Student Zone for StudentSecure).
      2. Navigate to “Claims” and select “Claim Information.”
      3. View details like certificate number, patient name, claim number, provider, status, and dates (incurred, received, processed).
      4. Download your EOB once the claim is finalized.

      Note: Use Student Zone for StudentSecure plans, Client Zone for Atlas plans. Contact World Insurance for portal access help.

      Appealing a WorldTrips Claim

      If you disagree with a WorldTrips claim decision, World Insurance guides you through the appeal process:

      • Online: Log in to the Member Portal, select “Submit Appeal,” and upload the Claimant Appeal Request Form with supporting documents.
      • Email/Mail: Download the form from the portal, complete it, and email to appeals@worldtrips.com or mail to: WorldTrips Appeals, P.O. Box 2058, Farmington Hills, MI 48333-2005, USA.
      • Written Letter: Follow your policy’s instructions and send a letter with documents via email or mail to the above addresses.

      IMPORTANT! In order for appeals department to review the appeal, you must provide additional documentation or information to support a reversal of the denial. Please note that submission of the appeal will lead to re-evaluation of your claim but does not guarantee that the initial benefit determination will be altered.

      Contact WorldTrips or World Insurance for Claims Support

      World Insurance clients can contact WorldTrips’ support team for claims assistance:

      • Phone: (800) 605-2282 (U.S., toll-free) or +1 (317) 262-2132 (international).
      • Email: service@worldtrips.com.
      • Mail: WorldTrips Claims Department, P.O. Box 2005, Farmington Hills, MI 48333-2005, USA.
      • World Insurance Claims Department: support@worldinsurance.site

      WorldTrips is available for claim submissions, status updates, and questions. For additional support, World Insurance is here to help.

      Contact World Insurance

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