We Are Here To Help You

Use Client Zone:

  • Access Policy Documents Such as ID Card, Visa Letter and Fulfillment
  • Submit Claim
  • Check Claims Status
  • Update Address
  • Renew or Extend
  • Cancel Policy


Find a Doctor

Search For Participating Providers

Claims Center

For All Claims Related Needs

Document Download


Paper Applications

Claim and Appeal Forms

Business Travel Accident Forms

Authorization/Disclosure Forms

STM Claims Forms

Contact Us

P.O. Box 2058 
Farmington Hills, Michigan 48333-2005

Frequently Asked Questions

Your certificate ID number is located in many places, including on your ID card, on your policy fulfillment, and within any letters you have received from WorldTrips, such as an Explanation of Benefits. The certificate ID number may also be called the policy number, policy ID, etc.

If you are still unsure or are having trouble locating the above documents, feel free to call 1-800-605-2282 to speak with a customer service representative. Once you verify your full name and date of birth, the representative can provide your ID number.

You can easily obtain these forms by visiting our Customer Service Center at https://service.worldtrips.com/. Click on the desired language link to download and/or print.

There are several options to send the form(s) to us. You may email all policy-related forms to and claims-related forms to . If you are sending the form(s) by mail, please mail to:

Box No. 2005
Farmington Hills, MI 48333-2005

You can access Client Zone by visiting our website at https://www.worldtrips.com/. Click on the "Customer Service" tab and select "Manage Your Plan." You may also click here and we will direct you to the Client Zone portal.

To register a new account in Client Zone, click on "Register New Account?" You will need to enter your certificate number (also called policy number) and date of birth. Then follow the prompts to complete your account registration.

There are several options to request and/or make changes to your policy. You may visit our Customer Service Center at https://service.worldtrips.com/. In the "Contact Us" section, click on "Policy Information," fill in the required information, and submit your request. You will receive an email notification about your inquiry and one of our customer service representatives will contact you by email regarding your request.

You may also sign into Client Zone to make changes to your policy. Through Client Zone, you can:

  • Update your information
  • Reprint an ID card
  • Print a visa letter
  • Extend your coverage

For any changes not listed above, you may email . In some cases, if a policy change is requested after a policy is in effect, additional documentation may be required in order for WorldTrips to consider the change.

You may obtain a copy of your policy fulfillment documents by visiting the Customer Service Center at https://service.worldtrips.com/. In the "Account Services" section, click on "Policy Documents." Enter your certificate number (also called policy number) and date of birth to obtain a copy of your policy fulfillment documents. You may visit Client Zone or call us at 1-800-605-2282 to obtain a copy as well.

Travel policies may have multiple destinations. You may add destinations in Client Zone.

  • Destinations cannot include your home country or countries restricted by the U.S. Department of Treasury's Office of Foreign Assets Control (OFAC).
  • If you purchase coverage that includes the United States, your policy will provide worldwide coverage as well. Coverage is excluded in your home country and countries restricted by OFAC.
  • If the United States is your home country (country of residency) or country of citizenship, you are not eligible for coverage that includes the United States.

You can cancel your policy through Client Zone or by emailing a request to . Please include your certificate number in the subject line. The earliest possible day for cancellation is the day the request is received via email.

You will find additional information about cancellation guidelines in the Description of Coverage you received at the time of your purchase.

The visa letter is available for download in Client Zone or by visiting our website at https://service.worldtrips.com

Your insurance coverage, offered by WorldTrips, is not subject to and does not meet the minimum standards required by the Affordable Care Act (ACA). The policy contains the plan benefits you have selected, including a lifetime maximum. Please review your choices in the fulfillment document you received to ensure you have sufficient coverage to meet your medical needs.

You may email the form with all student portions completed to

Our plans are insured by Lloyd's, which is an approved, non-admitted carrier in the state of California. This means that, should the company become insolvent, you are not able to make a claim to the state guaranty fund.

Applicants cannot be located in the following U.S. states or countries at the time of purchase:

  • New York, USA
  • Maryland, USA
  • Washington State, USA
  • Canada
  • Australia

If you are located in any of the aforementioned regions at the time of purchase, you are not eligible to purchase the policy. However, if you are not located in these regions at the time of purchase, we can still provide coverage in these areas.

We do not provide any tax forms, as STM is not a qualifying health coverage that satisfies the requirements of the Affordable Care Act.

The regulations surrounding ACA are for coverage with duration of 365 days or more. Our STM policy is considered limited duration since the maximum term is either 6 or 11 months, depending on the state.

We encourage you to contact your tax professional for more information. However, if you still wish to obtain a payment/coverage history, please visit Client Zone and click on the "Policy Status" option.

You can obtain claims information by visiting our Claims Center.

You may find a doctor at www.worldtrips.com/find-a-doctor/.