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.

Your fulfillment documents will include:

Instructional Information

• How to seek medical treatment
• How to file a medical claim
• How to access Member Portal (our online self-service portal where members can manage their policies)
• How to contact WorldTrips

Declaration Page

• Link to the Description of Coverage for your policy
• Name, address, ID number, and citizenship of the insured
• Policy start and end dates and length of coverage
• Certain policy details including plan name, overall maximum limit, maximum per injury/illness, deductible, and any optional coverage elected
• Purchase date, payment type, and amount paid
• Name and address of plan administrator

Policyholder/Certificate Holder Notice

• Important notice about OFAC sanctions

European Union GDPR Data Protection Notice (Note that you will only receive this notice if you are a citizen or resident of the European Union OR if you are a visitor traveling to the European Union)

• Information about our privacy policy
• How we use your personal and sensitive information and who we may disclose it to
• Information about your data protection rights
• How to opt out of marketing communications or withdraw your consent

ID Card

• Name of insured(s)
• Certificate/policy number and effective date of coverage
• Instructions on how to file a claim
• Name and logo of PPO network
• Instructions on how to find a provider

Learn more about your ID card here.

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.

Your visa letter will confirm that your Atlas Travel or Atlas Group policy satisfies Schengen visa health insurance requirements. It will also include the following information:

• Your name
• Your home country and citizenship
• Your destination country or countries
• Your certificate (policy) number
• Your policy’s effective date
• Your policy’s termination date
• An overview of your policy details, including your overall policy maximum, maximum per injury/illness, and deductible
• An overview of important benefits and their coverage amounts
• WorldTrips contact information

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.

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)
• Go to Member Portal (formerly Client Zone / Student Zone) at worldtrips.my.site.com/MemberPortal.
• 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.
• Click "Claims and Appeals" in the main navigation menu.
• 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.

• Via Online Submit Claim Request Form
• Download the Claimant's Statement and Authorization form here.
• Complete and sign the form.
• Visit worldtrips.com/customer-service and select "Submit a claim or appeal for your Atlas Travel, Atlas Premium, Atlas Group, Atlas MultiTrip, Atlas Nomads, or StudentSecure plan" under the "Actions" header.
• Click the "Submit Claim" button.
• Fill in the requested information on the Submit Claim Request Form and upload the form, along with additional documentation (medical records, receipts, invoices, etc.).
• Click "Submit."

• By Mail
• Download the Claimant's Statement and Authorization form here.
• 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.

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. View the Q&A below to see your options for separately completing and submitting the HIPAA 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
• Go to Member Portal at worldtrips.my.site.com/MemberPortal. 
• 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.
  
  
• 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. 
  
  

• Via Online Submit Claim Request Form
• Download the Authorization Form for Use and/or Disclosure of Protected Health Information. 
• Complete the form and have the policyholder sign the form. 
• Visit www.worldtrips.com/customer-service and select "Submit a claim or appeal for your Atlas Travel, Atlas Premium, StudentSecure, Atlas Group, or Atlas MultiTrip plan" under the "Actions" header. 
• Click the "Submit Claim" button. 
• Fill in the requested information on the Submit Claim Request Form and upload the form. If you've already submitted the form and supporting documents, choose "Existing Claim." Otherwise, choose "New Claim" and submit the form along with your claim form and additional documentation (medical records, receipts, invoices, etc.). 
• Click "Submit." 
  
  

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

Deductible means the dollar amount of eligible expenses, as specified in your policy’s Schedule of Benefits and Limits, that you must pay before eligible expenses are paid. You only have to pay your deductible one time during the period of time your policy is active.

For example, let’s say you have an Atlas Travel policy and you’ve chosen a $100 deductible. You break your leg while traveling abroad and need to have surgery, which requires a short hospital stay. You would need to pay your $100 deductible before your benefits, such as Hospital Room and Board, would kick in. Once your $100 deductible is paid, your Atlas Travel plan would begin to pay 100% of your eligible expenses up to your plan’s overall maximum limit.

Note that some benefits are not subject to the deductible, as specified in your policy’s Schedule of Benefits and Limits. This means you would not be required to pay the deductible before any benefits that are not subject to the deductible would be activated.

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.

Your Atlas Travel insurance coverage becomes effective on the latest of:

• the moment we receive your application and correct premium (if application and payment is made online or by fax)
• 12:01 a.m. U.S. Eastern Time on the date we receive your application and payment (if application and payment are made by mail)
• the moment you depart from your home country
• 12:01 a.m. U.S. Eastern Time on the date you request on your application if the correct premium is received

Your coverage will end on the earliest of:

• 11:59 p.m. Eastern Time on the last day of the period for which you have paid a premium
• 11:59 p.m. Eastern Time on the date requested on your application
• the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)

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.

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, 2020: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:

• the warning has been in effect within the 60 days immediately prior to your date of arrival, or
• within 10 days following the date the warning was issued you have failed to depart the country or location.

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.

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.)

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.

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.

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.

After your initial purchase, you may extend your coverage (5-day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the deductible, nor will benefit limits be reset.

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 coverage, you may renew your policy for two additional 365-day coverage periods.

Deductible must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your deductible and Pre-existing Condition provisions.

Extensions or renewals must be made online in the Member Portal with payment by credit card.

Follow the below instructions to EXTEND your Atlas Travel medical insurance plan: 

• Log into your Member Portal account at worldtrips.my.site.com/MemberPortal.
• On your Member Portal home page, click the box labeled "Extend or Renew My Policy" under the "How Can We Help You Today?" header.
• If you are eligible to extend your policy ad do not need to contact a broker or plan administrator in order to do so, you will see the "Extend Policy" page.
• Use the dropdown arrow to insert your new coverage end date and click "Next."
• Fill in your payment information.
• Review the Terms and Conditions and click the checkbox to acknowledge that you have read and accepted them.
• Click the "Submit" button to submit your extension request.

Your coverage confirmation will be sent to the email address you entered.

Most members are able to submit a cancellation request online in Member Portal at https://worldtrips.my.site.com/MemberPortal. Note that only members who have no claims are eligible for a premium refund.

After you create your Member Portal account (click here for registration instructions), log in and select “Policy Information” in the top righthand corner. Then select the “Modify or Cancel Coverage” box.

If you are not eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you are eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.”

If Your Policy Has Not Yet Started…

You are eligible for a full refund of your premium for free. On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date.

Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

If Your Policy Has Already Started…

A $25 cancellation fee will apply and only the prorated portion of your premium will be refunded. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded.

Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

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.

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

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.

If You Purchased Your Atlas Group 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 Group Policy Before July 15, 2020:
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:

• the warning has been in effect within the 60 days immediately prior to your date of arrival, or
• within 10 days following the date the warning was issued you have failed to depart the country or location.

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."

Visit “How Coronavirus Affects Your Coverage” to learn more.

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.)

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.

In order to be eligible for any of our StudentSecure international student health plans, you must meet the following requirements:

1. You must be under age 65; and
   
   • A full-time student at a college or university (excluding online colleges and universities); or
   • Within 31 days of being a full-time student at a college or university; or
   • A student under age 19 enrolled in a secondary school; or
   • A full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week; and
2. You must be residing outside your home country for the purpose of pursuing international educational activities; and
3. You must not have obtained residency status in your host country; and
4. If in the U.S., you must hold a valid education-related visa. A copy of the I-20 or DS2019 may be requested.

J-1 and F-1 visa holders: The full-time student/scholar status requirement is waived within the U.S. if you have a valid F-1 visa (including OPT) or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas.

Your StudentSecure international student medical insurance coverage becomes effective on the later of:

• the moment we receive your application and correct premium (if application and payment is made online or by fax); or
• 12:01 a.m. U.S. Eastern Time on the date we receive your application and payment (if application and payment are made by mail); or
• the moment you depart from your home country; or
• 12:01 a.m. U.S. Eastern Time on the date you request on your application if the correct premium is received

Your StudentSecure international student medical insurance coverage terminates on the earlier of:

• 11:59 p.m. Eastern Time on the last day of the period for which you have paid a premium; or
• 11:59 p.m. Eastern Time on the date requested on your application; or
• 12:01 a.m. U.S. Eastern Time on the date you no longer meet eligibility requirement; or
• the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)

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 plans meets your needs.

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.

If You Purchased Your StudentSecure Policy on Or After May 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 StudentSecure Policy Before May 15, 2020:
Your plan contains an applicable exclusion and will NOT cover medical expenses resulting from COVID-19/SARS-CoV-2.

The following is included in the Description of Coverage:
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:

• the warning has been in effect within the 60 days immediately prior to your effective date, or
• within 10 days following the date the alert/warning was issued you have failed to depart the country or location.

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."

Visit “How Coronavirus Affects Your Coverage” to learn more.

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.

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:

1. The acute onset of a pre-existing condition does not directly or indirectly relate to a chronic condition or congenital condition; and
2. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or reoccurrence; and
3. You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; and
4. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; and
5. You must be traveling outside your home country

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 prenatal, delivery, and postnatal care for a covered pregnancy which began after the effective date of coverage, subject to the maximums shown in the Schedule of Benefits and Limits. There is no maternity coverage for StudentSecure Smart.

StudentSecure Elite and Select provide coverage for medical expenses resulting from injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports. This benefit covers up to covers up to a maximum of $5,000 per injury or illness. StudentSecure Budget and Smart do not provide coverage 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.

StudentSecure provides benefits for mental health disorders as long as treatment is not obtained at a student health center.

Under StudentSecure Elite, physician office visit care is covered up to a maximum of 40 visits. Inpatient care is covered up to a maximum of 40 days.

Under StudentSecure Select and StudentSecure Budget, physician office visit care is covered up to a maximum of 30 visits. Inpatient care is covered up to a maximum of 30 days.

Under StudentSecure Smart, physician office visit care is covered up to a $500 lifetime maximum. Inpatient care is covered up to a $5,000 lifetime maximum. Drug abuse and alcohol abuse are excluded under StudentSecure Smart.

All four StudentSecure international student medical insurance plans provide emergency dental treatment by a Doctor of Dental Surgery (DDS), Doctor of Dental Medicine (DDM), or other licensed dental practitioner, necessary to resolve pain or to restore or replace natural teeth lost or damaged in an accident (up to a $500 plan period maximum).

All four StudentSecure plans provide coverage for:

• Emergency air transportation to a suitable airport nearest to the hospital where you will receive treatment; and
• Emergency ground transportation necessarily preceding emergency air transportation, and from the destination airport to the hospital where you will receive treatment.

The evacuation must be agreed upon by you or your relative and travel arrangements must be approved in advance and coordinated by WorldTrips. Your attending physician must recommend the evacuation and certify that it is medically necessary and that transportation by any other method would result in the loss of your life or limb.

See your Description of Coverage for other important details of this benefit.

Yes. If you experience a covered emergency medical evacuation or you are hospitalized as inpatient for at least 5 days due to a covered, life-threatening condition, you will be eligible for:

• An economy, roundtrip air or ground transportation ticket for one relative to the terminal serving the area where you are hospitalized, and
• Reasonable expenses for lodging and meals for the relative in the area where you are hospitalized (15-day maximum)

Emergency Reunion benefits that are not related to an emergency medical evacuation will be paid only following the end of the minimum 5-day inpatient hospitalization.

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:

1. The injury or illness does not result from the use of any biological, chemical, cyber, radioactive or nuclear agent, material, device or weapon.
2. You have no direct or indirect involvement in the act of terrorism.
3. The act of terrorism is not in a country or location where the U.S. Department of State has issued a level 3 “reconsider travel” or higher travel advisory within the 60 days prior to your date of arrival.
4. You have not failed to depart a country or location within 10 days following the date a level 3 or higher travel advisory to leave that country or location is issued by the U.S. Department of State.

StudentSecure Smart does not provide coverage for medical expenses incurred due to an act of terrorism.

An Act of Terrorism Is Defined as:
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.

In the event of your accidental death or dismemberment resulting from a covered injury, StudentSecure Elite and StudentSecure Select will provide the following benefit:

• Accidental Death - Principal sum to the beneficiary designated on your application
• Loss of Sight in Both Eyes or Loss of Two or More Limbs - Principal sum to you
• Loss of Sight in One Eye or Loss of One Limb - One-half of the principal sum to you

Loss of Sight - Defined as complete, permanent, and irrevocable loss of sight.

Loss of Limb - Defined as the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. StudentSecure Elite and StudentSecure Select offer an optional AD&D Rider for an additional $25,000 lifetime maximum. StudentSecure Budget and StudentSecure Smart do not provide 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.

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.

If you are hospitalized as inpatient on your coverage termination date, StudentSecure will provide a benefit period of 60 days for the condition(s) you were hospitalized for only. The benefit period begins on the first date that you receive diagnosis or treatment for that condition and continues for 60 days, regardless of whether you are abroad or return to your home country.

You may renew your StudentSecure plan within the last 6 months of a 12-month plan period. Your coinsurance must be re-satisfied as of each renewal date. You can extend or renew online in Member Portal with payment by credit card.

1. Log into your Member Portal account at worldtrips.my.site.com/MemberPortal.
2. On your Member Portal home page, click the box labeled "Extend or Renew My Policy" under the "How Can We Help You Today?" header.
3. If you are eligible to extend your policy and you do not need to contact a broker or plan administrator in order to do so, you will see the "Extend Policy" page.
4. Use the dropdown arrow to insert your new coverage end date and click "Next."
5. Fill in your payment information.
6. Review the Terms and Conditions and click the checkbox to acknowledge that you have read and accepted them.
7. Click the "Submit" button to submit your extension request. Your coverage confirmation will be sent to the email address you entered

Most members are able to submit a cancellation request online in Member Portal at https://worldtrips.my.site.com/MemberPortal.

After you create your Member Portal account (click here for registration instructions), log in and select “Policy Information” in the top righthand corner. Then select the “Modify or Cancel Coverage” box.

If you are not eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you are eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.”

If Your Policy Has Not Yet Started…

You are eligible for a full refund of your premium for free. On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date.

Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

If Your Policy Has Already Started…

A $25 cancellation fee will apply. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded.

If Paying in Monthly Installments…

• You may only cancel in whole month increments. If you select a date in the middle of a monthly installment period, the following installment period will not be drafted.
• Only premium for unused whole months will be refunded.

If Paid in Full…

• Only premium for unused days will be refunded.

Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

Please note that after 60 days, no refunds will be granted. Only members who have no claims are eligible for a premium refund.