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Knowledge Base – World Trips Atlas International and Day Tripper

Your World Trips Travel Insurance Information

Table of Contents

1. Your Member Portal
2. Pre-Notification
3. Claims
4. Understanding Your Travel Insurance Benefits
5. Using Your Global (Outside U.S) Medical Network
6. Emergency Medical Evacuation

Welcome To Your World Trips Travel Insurance Plan

This web page is for those who have purchased either World Trips plan:  

            Atlas International https://www.gninsurance.com/travel/atlas-international/

            Day Tripper https://www.gninsurance.com/group-travel/hcc-day-tripper/

Your World Trips plan is a health plan that covers you around the world outside of your country of residence. Your international plan comes with incredible benefits including global medical insurance, emergency medical evacuation, and self-service through the exclusive member portal.

On this page you will find information about your member portal, benefits, claims, your GNI team, and much more. This knowledge base was developed specifically to help you navigate your travel insurance and make the most of your benefits.

Please do not forget to bookmark this page so you can easily reference the answers to all of your future World Trips travel insurance benefits and policy questions.

Change is always in the air.  So please connect with one of our travel insurance advisors to verify any benefits and procedures on your travel medical cover at any time via phone call, email, or video call.

GNI Contact Information

Your Group Insurance Advisors: Tracy, Gaby, and Doug

telephone icon 480-813-9100
envelope icon [email protected]
building icon 690 E Warner Rd Ste. 117   Gilbert, AZ 85296

Quick Links

  • Claims
  • Member Portal

Understanding Your Member Portal

Your World Trips Member Portal

Taking advantage of your World Trips travel insurance has never been easier! With quick online and mobile access through your World Trips account, you can submit claims, view the status of your claim, download documents, access resources.

The first step is to set up your World Trips Member Portal by going to https://zone.worldtrips.com/clientzone. Using your Member Portal account will save you time. You can access insurance documents, including your ID cards, and contact World Trips as you need.  You can Pre-certify hospitalization, file and view claim status, obtain copies of certificates, and access additional resources.

All new enrollees need to do is:

  1. Go to https://worldtrips.my.site.com/MemberPortal/s/login/
  2. Under the Sign In button, click on “First-time user? Register for an account.”
  3. Enter your email, policy number, name, and Date of Birth (primary member)
  4. Create your account

GNI Team Q & A

Question: Do I need to carry my ID card with me at all times?

Answer: We recommend that you carry it with you at all times. Your ID card contains important information including contact information for World Trips if a medical emergency arises. Replacements can be downloaded from your World Trips account, should they get lost or stolen. You can also keep a copy of the PDF on your phone.

 

Question: What are the ways to contact WORLD TRIPS?

Answer: Here are the different ways to contact World Trips.

  1. Phone number: 1-317-262-2131
  2. After business hours you may have to leave a message for call back. If an emergency is not indicated, the call back will happen on the next business day.

 

Claims email: [email protected]

Customer service email: [email protected]

Pre-notification email: [email protected]

GNI Team Tidbits

General Mailing Address: 4 Carter Green, Suite 400, Caramel, IN 46032 USA                     

GNI Team Final Thoughts

Question: What is in my Member Portal?

Answer: Your Member Portal is where you may submit and manage your claims, update your contact information, access your ID card, find medical facilities in the U.S. and abroad, learn about your international insurance policy benefits, obtain medical insurance documents, and more.

 

Question:  Do I have to create an account on Member Portal?

Answer: It is not necessary, but it is highly recommended to create your Member Portal account if you need to file claims. Your Member Portal is the most convenient way to submit and manage your claims, update your contact information, access your ID card and insurance documents, contact World Trips, and more. To create your Member Portal account here, please click here –  https://worldtrips.my.site.com/MemberPortal/s/login/

Ask Doug

Videos

  1. Atlas International Travel Insurance
  2. Day Tripper Overview
  3. Ask Doug – Will a travel advisory affect my travel medical insurance coverage?
Managing Group Travel Insurance for Varied Arrival Times

Ask Doug

Key Notes

  1. Trip Cancellation Insurance vs. Travel Medical Insurance

Understanding Pre-Notification

Your Pre-Notification Information

Pre-notification is required for certain medical treatments, and always for hospitalization. Failure to pre-notify, may result in a 50% reduction of reimbursement of eligible medical expenses.

Pre-notification is not a guarantee of payment.

For outside the U.S. or Out-of-Network providers in the U.S., you are responsible for ensuring the pre-notification process is completed at least five days before a planned hospitalization, or within 48 hours of admission due to an accident or emergency illness.

You can pre-certify by email at [email protected].

Services requiring prenotification are: (1) Inpatient Hospitalization (2) Emergency Medical Evacuation (3) Extended Care Facility, Home Nursing Care, Hospice Care (4) Interfacility Ambulance Transfer (5) Surgery or Surgical procedure

GNI Team Q & A

Question: What happens if I need to seek medical treatment on the weekend or late at night and World Trips’ office is closed?

Answer: If you have a medical emergency, seek appropriate medical care. If you need assistance, please call the World Trips phone number on the back of your ID card. World Trips has medical professionals on call 24/7 to assist you in the case of a medical emergency. You may have to leave a message including a phone number where you are available. Someone should call you back in a few hours at the latest.

If you are being admitted to a hospital, you may notify World Trips either by submitting an email to [email protected] or by calling the phone number on the back of your ID card. If it is not an emergency, someone from World Trips will call you on the next business day.

 

 Question – What must I do before a hospital admission or surgery?

Answer – Pre-notification is required for hospital admissions, hospital interfacility transfers, and all surgeries. Prior to receiving treatment, you or a medical provider need to contact World Trips to Pre-notify your treatment. If it is an emergency, pre-notification can be completed 48 hours after admission. This can be done by email at [email protected].

GNI Team Tidbits

Medical treatments which are considered to be elective (not medically necessary) will not be covered.

The treatment proposed must adhere to the standards of care generally recognized as being appropriate to the injury or condition being treated.

Some treatments, even though they may be medically necessary, might not be covered because of policy exclusions.

GNI Team Final Thoughts

Pre-notification may be initiated by you, your representative, or your medical provider online by phone or email. Medical professionals at World Trips will review the planned medical services to ensure that it follows accepted medical standards and are medically necessary.

Call WORLD TRIPS’s service at 1-800-605-2282 (in the U.S.) or 1-317-262-2132 (outside the U.S.)  and to speak with a representative or initiate pre-notification by email at [email protected].

Ask Doug

Videos

  1. Ask Doug – Will our travel medical insurance plan cover any of my maintenance medications?
  2. Questions and Answers on your group travel insurance

Ask Doug

Key Notes

Pre-notification is the process for determining whether the services delivered or scheduled to be delivered to a patient are medically necessary and appropriate. This process will allow World Trips  to assist in managing your health care costs.

Pre-notification may be initiated by you, your representative or your medical provider.  This can be done through your Member Portal or calling WORLD TRIPS at 1-800-605-2282 (in the U.S.) or 1-317-262-2132 (outside the U.S.

You are responsible for ensuring the prenotification process is done before you are hospitalized or within 48 hours of an accident or emergency illness.

Understanding Claims

Understanding Claims

To submit a claim, log into your Member Portal account and click on “submit new claim”. Be ready to upload your itemized receipts and invoices. You can also e-mail a completed claim form along with required documents (medical records, invoices, etc.) to [email protected]. You can download WORLD TRIPS’s Claim Form here: https://worldtrips.com/downloads/hccmis_claimants_statement.pdf

Multiple claims can be submitted on the same claim form if they are for the same incident. For example, if you have a broken arm and there are claims for x-rays, physical therapy, and follow–up visits they can all be submitted on one claim form. If treatment won’t be completed within 90 days, please submit initial claims when they occur. Then subsequent claims may be submitted later.

Once the claim is approved, the claim is sent to accounting which issues payment whether by check, ACH or wire transfer. Wire transfers can take up to 7 – 10 business days to be seen in your account, depending on the bank. When checks are requested, please allow the normal mailing time to your location. Mailing checks overseas is not recommended. If not received within a week of that, let us know, so we can have WORLD TRIPS arrange to cancel the check and issue a new one.

GNI Team Q & A

Question: What kind of missing information may cause a claim to be delayed?

World Trips requires that receipts/invoices be itemized. It should include the name of the patient, date of service, and a breakdown of all the related charges.

If you are filing for reimbursement, the invoice should indicate that payment was received by the provider.

 

Question: Am I required to complete a World Trips Claim Form every time I go to the doctor?

Answer: The Claims department encourages all insureds to complete a Claim Form for each new onset of an illness or injury for care received outside the U.S. (in the U.S. you may need to send in a claim form if you are using out-of-network providers and / or you paid for your medical visit like an urgent care.  However, in the U.S., your medical provider should be sending in claim forms to WORLD TRIPS)

All claims should be submitted within 90 days of occurrence. (Late submissions could result in the claim being denied.)

If you fail to submit a Claim Form (online or paper) or additional information is requested, you will see in your Member Portal, that the Explanation of Benefits shows that the claim has been denied. There will be a CODE given that will explain what is missing and why the claim was denied. This will, of course, result in delay of reimbursement for eligible medical expenses.

 

Question – Should I submit my original itemized bills and receipts as soon as I receive them?

Answer – Yes! Do not hold them until the end of the year. WORLD TRIPS will apply eligible medical expenses to your deductible and coinsurance throughout the year.

GNI Team Tidbits

As your claim is being processed, it may disappear from your Member Portal for a few hours to a couple of days, when it changes from being “Submitted” to being “Processed.” When it reappears, it will have a different reference number. Usually, claims will process within 30 business days or about 6 weeks (holidays and week-ends don’t count) from the time of receipt. In the fall and at the end of the year, it can take longer, due to the high volume of claims received at those times of the year.

Once the claim has processed, there will be an Explanation of Benefits (EOB) available to view in your Member Portal.

GNI Team Final Thought

Claims should be submitted within 90 days of the service date / date on the invoice. Claims submitted later may be denied.

Ask Doug

Videos

  1. Ask Doug – If I pay for medical services during my travels, how do I file a claim?
  2. Ask Doug – What if the charges for emergency medical care get too high?
  3. Global Group Travel Protection: Will short term team insurance cover my team in multiple countries?
  4. Mastering the Timeframe for Travel Insurance Claims

Ask Doug

Key Notes

We always recommend that you take time to practice the following steps in the claim process:

Prior to seeking medical treatment, review what services and procedures require Pre-notification so your benefits will not be reduced.

Present your WORLD TRIPS ID card to all medical providers at the time of treatment (they may be able to bill WORLD TRIPS directly).

Submit Claims with receipts, once services have been rendered.

Understanding Your International Travel Insurance Benefits

Understanding Your Travel Global Insurance Benefits

The most effective way to save money is to take care of medical needs abroad, as much as possible. You may have a lower deductible and certainly no co-insurance when accessing medical care outside the U.S. This means lower out-of-pockets expenses for yourself. By searching the site to Find a Doctor, https://worldtrips.my.site.com/MemberPortal/s/login/.

GNI Team Q & A

Question – What is the best way for me to find more information about my travel medical insurance policy with World Trips?

Answer – The best way is to go to your Member Portal web page at https://worldtrips.my.site.com/MemberPortal/s/login/.   By going to the WORLD TRIPS website and registering for a Member Portal, you save time by being able to access insurance documents and to contact WORLD TRIPS whenever you need. You can access and print ID Cards and forms, Pre-certify, file and view claim status, obtain copies of certificates, find a hospital or doctor, and contact World Trips.

 

Question – Will medical evacuation take me back to the U.S.?

Answer – A medical evacuation will always be to the nearest adequate medical facility. But once released from the hospital, World Trips will take the insured back to either the place of the original evacuation or back to the U.S.  

 

Question – If I get sick or injured, which doctor or hospital do I go to?

Answer – The Outreach Group Travel policy will cover medical treatment from any licensed doctor or hospital around the world.

GNI Team Tidbits

Question: How can I access my WORLD TRIPS travel medical insurance policy documents Through the Member Portal?

Answer: Please log in to your MyWORLD TRIPS portal, https://worldtrips.my.site.com/MemberPortal/s/login/, and click “Documents.”

GNI Team Final Thought

Ways to make treatment overseas simpler? Search the World Trips’ website, you can find direct–billing providers abroad.

Ask Doug

Videos

  1. Ask Doug – Understanding My Travel Insurance
  2. Understand My Short-term Medical Insurance
  3. Adapting to Unforeseen Circumstances: Cancelling a Short-Term Team Member’s Travel Insurance Policy due to Illness

Ask Doug

Key Notes

Question: What if I need a replacement card because my original was lost, stolen, or damaged?

Answer: There are several ways to obtain a duplicate ID card. The Client Resources page features an ID card link as a menu item on the right side of the page. Simply click the link and follow the instructions. World Trips quick links also features a link to print a duplicate card. Additionally, if you have a Member Portal account, once you are logged in you have the ability to print another card.

Using your Global (Outside the U.S.) Medical Network

Medical Care Abroad

Options for direct billing: If you search providers through https://worldtrips.com/find-a-doctor, you can find hospitals that may be able to directly bill World Trips for claims. Please allow time (usually about 2 weeks) for these providers to pre-notify and get a Guarantee of Payment letter from World Trips.  Please remember: prenotification must be completed at least 5 days prior to the procedure.

Hospitalizations need to be pre-notified to receive full benefits. You will be responsible for any portion of your deductible not yet met. World Trips can make direct payment arrangements with providers who don’t have a yellow star next to their name, if the provider is willing to supply all the information required by World Trips for them to issue a Guarantee of Payment letter.

For smaller amounts, you will pay for your care out of pocket and then submit the claim for either reimbursement, or to go towards satisfying your deductible. Some hospitals will require upfront payment, so you will need to submit a claim for reimbursement afterwards. Keep in mind all hospitalizations must be pre-certified to receive full benefits. Lack of pre-notification, will likely result in a 50% reduction of payment for eligible benefits

GNI Team Q & A

Question – How does Personal Liability work?

Here is what is covered on the personal liability for Atlas:  

  1. Accidental bodily injury, including death, illness and disease to a third person; and/or
  2. Accidental loss of or damage to a third person’s material property (property that is both material and tangible); and/or
  3. Accidental loss of or damage to a related third person’s material property (property that is both material and tangible).

The personal liability on the Atlas plan will not cover:

  1. Automotive liability
  2. Any damage or injury caused be skydiving (as skydiving is excluded on this policy)
  3. Business related liability

GNI Team Helpful Tidbits

If you are traveling to multiple countries, you may need to have proof of coverage for entry to one or more countries on your travel itinerary.

Through your Member Portal, you can access your Visa Letter (Confirmation of Coverage). When you access your document, you will be able update your destination country as needed.

GNI Team Final Thought

World Trips short-term travel plans will work great for those that are traveling outside of their country of residency.

Ask Doug

Videos

  1. Ask Doug – Will the medical doctor or hospital bill my travel medical insurance company?

Ask Doug

Key Notes

  1. Ask Doug – If I get sick or injured during my travels outside the U.S, which doctor do I go to?

Emergency Medical Evacuation

Emergency Evacuation

The Atlas International and Day Tripper plans cover Emergency Medical Evacuation up to $1,000,000 (USD) per period of coverage for transportation and related expenses to the nearest adequate medical facility. This does not always mean that the evacuation is back to the person’s Home Country.

After being released from the hospital after an evacuation, the policy will cover transport either back to the country that you were visiting or back to the Home Country of the insured.

GNI Team Q & A

Question: What do I do if I think I or a family member needs medical evacuation?

Immediately call World Trips directly at 1-317-262-2132, and state that you have an emergency. Be prepared to give them your contact information, and the contact information for your local doctor and/or hospital.

World Trips will coordinate with your medical providers and local authorities to determine the best place for you to receive appropriate medical care.

World Trips will make the arrangements.

GNI Team Tidbits

Question: I have the Evacuation and Repatriation benefit under my policy, will you fly me out?

Answer: Evacuation cover is provided where emergency in-patient treatment is not available locally. If this is required and is covered under the plan, then yes, cover will be provided. If appropriate treatment is available locally, then this benefit will not be considered. Please note: when considering an evacuation or repatriation, World Trips will be obliged to follow the advice and restrictions from the government or health authorities of the country you will travel from and to, and based on those.

Please keep in mind:   Always start with connecting with World Trips.  World Trips will make the arrangements.

GNI Team Final Thought

Question: Does the Crisis Response cover political evacuation in a High-Risk Country?

The Crisis Response coverage will cover a person traveling to a Level 1 or 2 on the U.S. State Department Travel Warning List.

Ask Doug

Videos

  1. Ask Doug – Will the emergency medical evacuation take me or my wife back to the U.S?
  2. Ask Doug – What do we do if my wife or I need to be emergency medically evacuated?

Ask Doug

Key Notes

  1. Ask Doug – The emergency evacuation is still the same no matter what medical dollar limit I choose?

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