Plan Administrator: WorldTrips | AM Best Rating: A "Excellent" | Underwriter: Lloyd's
Subject to all other terms, conditions and limitations of this Master Policy, in the event you experience an acute onset of a pre-existing condition during the certificate period for which immediate treatment is essential and necessary to stabilize the pre-existing condition, this Master Policy will cover eligible medical expenses incurred during the certificate period with respect to an acute onset of the pre-existing condition provided that at the time of the acute onset of a pre-existing condition. The benefit will apply only if all of the following conditions are met:
a. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
b. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
c. You must be under eighty (80) years of age;
d. 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;
e. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
f. You must be traveling outside your Home Country
Nothing contained in this insurance restricts or interferes with your right to select the hospital, physician or other medical service provider of your choice. Nothing contained in this insurance restricts or interferes with the relationship between you and the hospital, physician or other providers with respect to treatment or care of any condition, nor your right to receive, at your own expense, services and/or supplies that are not covered under this insurance.
To comply with the United States Preferred Provider Organization (PPO) requirements, you must receive medical treatment from PPO providers while in the United States. If you receive treatment from a PPO provider, we will remit payment for eligible expenses directly to the provider.
You may review a listing of hospitals, physicians and other medical service providers included in the PPO Network for the area where you will be receiving treatment by visiting WorldTrips’ website located at: www.worldtrips.com. For assistance locating a provider, contact us at 1-800-605-2282.
We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium
Premiums will be refunded in full if a cancellation request is received prior to the certificate effective date.
Premiums may be refunded after the certificate effective date subject to the following provisions:
a. A $25 cancellation fee will apply for administrative costs incurred by us; and
b. Only the prorated portion of the premium will be refunded; and
c. You cannot file any claims to be eligible for a premium refund.
This insurance policy has in it a Claims Procedure which tells you what steps you must take to file a claim, and explains our obligations to you. Beginning on the last day of your certificate period, you shall have 60 days to provide us proof of claim.
All claims and related claim information, including a proof of claim, should be submitted to the Company at the contact information below, or online at http://service.worldtrips.com/ as soon as possible.
Postal Mail: WorldTrips
P.O. Box 2005 Farmington Hills, MI 48333 USA