asda travel insurance claim form

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ASDA Pet Insurance Claim Form

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Table of Contents

Each insurer has its own claim process, usually filling out a claim form and send it together with evidences. Be careful, insurers only allow you to make claims up to a certain time limit after the accident or illness occur.

HelloSafe explains you how to make your claim with the ASDA Pet Insurance claim form.

The official ASDA Pet Insurance claim form

Here below you will find the claim form that you will have to fill in in order to claim a refund on a treatment received by your pet.

Good to know

This is the official ASDA Pet Insurance claim form

When should I claim on ASDA Pet Insurance?

Before claiming on ASDA Pet Insurance, you should always check what situations are covered by your insurance plan. Pet insurance claims concern in most cases vet fees, but not only. Death by accident or illness can also be included in some pet insurance deals, for which claims can be made. Situations in which a pet is lost or stolen can also be included in some pet insurance plans, making them valuable cases to ask for a compensation.

How to claim on ASDA Pet Insurance?

ASDA Pet Insurance has designed a claim process in a few steps, as following:

• You should first complete the ASDA Pet Insurance pet form, that you will find here above. Download this claim form, print it and fill with all requested details
• The second part has to be completed by your vet, will details of the treatment made on your pet and the costs induced
• Attach to the completed ASDA Pet Insurance claim form the most comprehensive clinical history of your pet and an itemised invoice - in the case you are claiming vet fees.

How do I send a claim on ASDA Pet Insurance?

There are basically two ways of sending your ASDA Pet Insurance claim form along with your other documents.

Claim on ASDA Pet Insurance by email

Once you've completed those two steps, you should scan your completed ASDA Pet Insurance claim form along with your medical notes and your bills, and send everything to the following email address : [email protected]

Claim on ASDA Pet Insurance by post

Another way of submitting your ASDA Pet Insurance claim is to send everything by post, at the Connect Centre, Kingston Crescent, PORTSMOUTH, PO2 8DE

Bear in mind that a claim sent by email will always be treated faster than claim documents sent by post.

What to do if my claim is rejected?

If your claim is rejected, you can always contact the Financial Ombudsman Service (0300 123 9123). You have to take action within a 6 months period - starting the date you received a negative answer for your claim.

If you need any other document related to pet insurances, click here .

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

Making a claim on your travel insurance

This advice applies to England. See advice for See advice for Northern Ireland , See advice for Scotland , See advice for Wales

Travel insurance can give you extra protection if your holiday doesn't go as planned. This is very important if you are travelling independently because you may find yourself stranded with no way to get home and no rep to help sort out your holiday problem.

Read this page to find out more about what you need to do if you have to make a claim on your travel insurance policy.

Remember to take your travel insurance policy number and emergency contact telephone number with you when you travel

if a problem happens while you're away, keep receipts for everything you need to buy to support your claim

if possible, get your insurer to agree to medical treatment before it's carried out

always tell your insurer about an existing health problem before you take out insurance, or you may not be covered

report lost or stolen belongings to the local police within 24 hours of them going missing. If this isn't possible tell the person in charge where they went missing.

Making a claim while you're travelling

Make sure you take your insurance policy number and the emergency contact details away with you. This is so you know exactly who to speak to first if you have a problem and it can be dealt with as quickly as possible. If you're travelling abroad, check you've got the right phone number.

Making a claim when you get home

If you need to make a claim on your travel insurance policy when you get home, check the following things before you send off your claim:

you're within the time limits for making a claim

you're covered for what you're claiming for

how much the excess is. The excess is the amount of money that your insurer will take off the claim. It may not be worth making a claim if the amount you're claiming for is less than this

the small print . Make sure there's nothing in the terms and conditions that prevents you from claiming

whether it's a new for old policy. If it isn't, the amount you get for items you're claiming for will be less than the cost of replacing them. This is because the insurer takes off money for wear and tear.

Contact your insurer as soon as possible and ask them to send you a claim form. They may be able to email this to you to speed things up. Complete the claim form carefully and keep a copy for yourself.

You'll need to include copies of all paperwork that will help your claim, including receipts or medical certificates. You should also keep copies of the originals in case your claim is queried or refused.

Your insurer may ask if you have other insurance that may cover the claim. You'll need to let them know if you have other insurance that may also offer cover, for example, home contents insurance.

Making a claim for lost, stolen or damaged items or luggage

You're expected to take reasonable care of your belongings while you're travelling. The insurer will want to see evidence that you did this.

If your belongings are lost or stolen, you should tell the local police within 24 hours of the items going missing. If this isn't possible, tell someone else such as your tour rep, hotel manager or transport provider and get a written report.

If you have to replace essential items, such as toiletries or emergency clothing, ask for receipts to send as evidence with your claim.

Making a claim for medical emergencies and personal injury

If you need medical treatment while you're away, try to contact your insurer straightaway and get them to agree to the treatment. You should do this before it's carried out, although this may not be possible in an emergency.

You may have to pay up-front for medical treatment and claim it back when you get home. Always make sure you get receipts for any treatment or medication you're given.

If you did not tell your travel insurer about an existing health problem before you took out the insurance, you may not be covered if you need treatment  for this while you're away.

You may not be able to claim for the cost of any medication that you usually need and may have to take while you're travelling.

If you're a UK resident and have a European Health Insurance Card (EHIC), you can still use it to get healthcare in EU countries until it expires.

If you don't have an EHIC or it has expired, you can apply for a UK Global Health Insurance Card (GHIC) on the NHS website. You can use a GHIC to get healthcare in EU countries at a reduced cost or sometimes for free.

If you’re visiting Norway you can use your UK passport to get medically necessary healthcare there. Some countries have agreements with the UK to give free emergency treatment.

Travel insurance should cover you for pregnancy if you are in normal health. However, some airlines won't let you fly if your baby is due within a few weeks.

Making a claim if you have to cancel or shorten your trip

If you need to make a claim because you've cancelled or shortened your trip, your insurer will only accept your claim if you have a good reason for doing this. Reasons may include:

unexpected death, illness or injury of you, your partner or people travelling with you

a fire, burglary or unexpected damage happens to your home

you're made redundant

you're pregnant and are advised not travel after you took out the insurance

you're called for jury service or as a witness in court.

If you have to come home early, your insurer will usually only refund any extra travelling costs and the cost of any unused time in your holiday accommodation.

If you need more help

Other useful information

Medical treatment in other countries www.nhs.uk .

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Page last reviewed on 20 February 2020

ASDA travel insurance review

Asda travel insurance has a range of travel insurance options to help keep you and your family safe abroad..

In this guide

What types of policies are on offer?

Cover limits, claims process, how to contact, customer reviews, pros and cons, our verdict, frequently asked questions.

ASDA Money offers a range of affordable financial services, including travel insurance. In this guide, we look at what ASDA travel insurance includes and the pros and cons of cover.

ASDA Money offers three types of cover:

• Single trip. You’ll be covered for one trip overseas.
• Annual multi-trip . A year’s worth of cover for unlimited trips.
• Family travel . You can cover up to three children for free on this policy.

There are three levels of cover offered by ASDA Money:

• Value. You’ll be protected for up to £20,000,000 for medical expenses, £1,000 worth for personal belongings and £1,000 for holiday cancellations.
• Premium. You’ll be protected for up to £25,000,000 for medical expenses, £1,300 worth for personal belongings and £2,000 for holiday cancellations.
• Superior. You’ll be offered unlimited protection for medical expenses, £2,000 worth for personal belongings and £5,000 for holiday cancellations.

The maximum length of your trips on an annual multi-trip. Cover policy will depend on your choice of cover – for value it’s 35 days, for Premium it’s 45 days and for Superior it’s 90 days.

These are just the cover limits most likely to be important to you. There are many more differences in cover limits between the three levels.

To make a claim, you’ll need to download a claim form from the ASDA Money website, fill it in and send it to [email protected] .

For general queries, you can call 0800 138 2373 or email [email protected].

ASDA Money has received over 50 reviews on Trustpilot. At the time of writing, its average rating was 1.5 out of 5.

• Plenty of policies to choose from
• High levels of cover
• Kids are insured free with the family travel policy
• There is currently no phone number for making claims
• There is no option to manage your account online

ASDA Money offers good levels of cover with its travel insurance , although the customer service appears to be lacking compared to its competitors.

Will I be covered if I have a pre-existing medical condition?

What is the maximum age to be covered by asda money travel insurance, how does the family travel policy work, will i be covered when taking part in winter sports, travel insurance scores.

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology .

Danny Butler

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full profile

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, make a claim on your travel insurance.

If something’s gone wrong and you need to make a claim, we’ve made it as simple as possible.

Please select when you bought your policy below to see how you could make a claim.

For InsureandGo policies bought AFTER 18th October 2021

Making a claim online is the quickest and easiest way to have your claim processed.

✔ Submit a claim online anytime 24/7

✔ Need to take a break? Just save and resume your claim anytime at your convenience

To submit your claim online, go to: www.submitaclaim.co.uk/IN  

Please make sure you notify us within 30 days of your trip ending of any occurrence likely to give rise to a claim. 

If you would like to discuss your claim, please call 01702 427215, quoting InsureandGo and which section of the policy you are claiming under. Phone lines are open Monday to Friday 9am to 5.30pm (excluding bank holidays).

For policies that have a policy reference number starting with ‘MF’: If you would like to register a new claim, please call the UK-based contact centre for Charles Taylor – the claims administrator for your policy – on 01243 219 595, and they will guide you through the process.

For policies bought between 1st September and 18th October 2021

For policies that have a policy reference number starting with ‘MF’ : If you would like to register a new claim, please call the UK-based contact centre for Charles Taylor – the claims administrator for your policy – on 01243 219 595, and they will guide you through the process.

For all other policies , please visit our sister company AllClear’s claims information .

For InsureandGo policies bought BEFORE 1st September 2021

Registering a new claim

Travel Claims Services no longer manages new claims on behalf of underwriter MAPFRE Asistencia.

Charles Taylor is the claims administrator appointed by underwriter MAPFRE Asistencia to manage new claims.

To register a new claim, please call the UK-based contact centre for Charles Taylor on 01243 219 595 and they will guide you through the process.

Existing claims with Travel Claims Services

If you have an existing claim for which you have been given a claim number by Travel Claims Services, you can call them on 0207 748 0061 or email [email protected] . Please quote your claim number so that your claim can be dealt with more efficiently.

Got a question?

If you’ve got a question about how to make a claim, feel free to contact us .

How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

1 (800) 605-2282

• Member Portal (Travel Medical)
• CBP Portal (Trip Protection)

+1 (800) 605-2282 Outside US: +1 (317) 262-2132

[email protected]

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Claims Guide

• Claims Process

File a Claim

• Billing and Claims Reimbursement Process
• Claims Review Process
• View a Claim
• Appeal a Claim

To file a claim, you  must   complete ,  sign , and  submit a Claimant's Statement and Authorization form along with supporting documents for every incident. For answers to the most common claims-related questions, see the FAQs section below and select the topic "Claims."

You can complete and submit the Claimant's Statement and Authorization form and supporting documents in one of the following ways:

Docusign Within Member Portal (Most Efficient Approach)

You can complete, sign, and submit the Claimant’s Statement and Authorization form online via  Member Portal , our self-service portal for policyholders.

But First, Did You Register for a Member Portal Account?

To access Member Portal, you will first need to register an account. Click here to register .

If you have already registered your account, follow the instructions below.

If you have an existing Client Zone or Student Zone account, you do not need to register for Member Portal. Simply sign into Member Portal using your Client Zone or Student Zone log in information.

Haven’t Yet Added Your Policy to Your Member Portal Account?

You will need to add your policy to your Member Portal account before you will be able to submit a claim via Member Portal.

1. Visit Member Portal . Enter the email address associated with your account and then click the “Continue Sign In” button.

2. On the resulting Sign In page, enter your password below your email address. Then click the “Sign In” button. 

3. You will be presented with your Member Portal home page. Click “Claims and Appeals” in the main navigation menu at the top of the page. 

4. You will be presented with the Claims and Appeals page.

Don’t Have Access to the Claims and Appeals Page?

If you selected that you are not the insured or the insured’s legal guardian upon registration, you will not have immediate access to the Claims and Appeals page. Instead, you will see the Protected Health Information Authorization page. To gain access to this section of Member Portal, 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 HIPAA form via DocuSign. You will gain access to the Claims and Appeals section and will be able to submit a claim for the policyholder within 3-5 days of the date the policyholder completed and submitted the form.

To file a new claim via DocuSign, click the "Submit New Claim Via DocuSign" button under the "Claimant's Statement and Authorization Form" subheader in the "File a Claim" section.

5. Enter your name and email address and click the “Begin Signing” button.

6. Click the white box next to “I agree to use electronic records and signatures.” Then click the yellow “Continue” button to the right.

7. Fill in all the required information (as indicated by the red text boxes) and sign everywhere a signature is required (as indicated by the yellow “Sign” boxes).  

Attach your supporting documents ( medical records, receipts, itemized bills, etc.), if necessary, in the appropriate section via the yellow attachment boxes. If you have more than 3 attachments or exceed the 5MB attachment limit.

8. When you are done, click the yellow “Finish” button in the top righthand corner.   Clicking “Finish” submits your documents and sends a PDF of your signed Claimant’s Statement and Authorization form to your email.

• 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.

Need to Attach More Than 3 Supporting Documents OR Submit Additional Supporting Documents After You Have Already Submitted Your Claim Via DocuSign?

Return to the Claims and Appeals page of the Member Portal and click the “Submit Additional Supporting Documents” button under the “Submit Additional Supporting Documents (If Needed)” subheader in the “File a Claim” section.

You will land on the Submit Additional Supporting Documents page. Use the dropdown to choose your claim number. (If you have just submitted your Claimant’s Statement and Authorization form and do not yet have a claim number to select, you can still submit your documents without selecting a claim number.) Then upload your files and click the “Submit” button.

Once your documents have been successfully submitted, you will receive a confirmation email with your policy number, confirmation of the types of documents submitted (for a claim or appeal), your claim number (if selected), and the number of documents you submitted.

• Download the  Claimant’s Statement and Authorization form here .
• Print, complete, and sign the Claimant’s Statement and Authorization form. Mail the completed form, along with additional supporting documentation (medical records, receipts, itemized bills, etc.), 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 to you upon request.

Important Note If You Are Filing This Claim on Behalf of Another Person

If you are filing this claim on behalf of another person, 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." (This section of the claim form is also referred to as a HIPAA form). This section must be signed by the policyholder in order for us to speak with you 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.

Already Submitted Your Claim and Did Not Complete Supplement D?

You do not need to submit a whole new claim form.  See your options for submitting the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPAA form) separately here .

Important Note for Students

For eligibility purposes, you must submit the following along with a Claimant’s Statement and Authorization form:

• A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019
• Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)

If you have questions or need assistance, please call global customer support at (800) 605-2282.

Important Note Regarding Upfront Payments

If you paid for medical treatment upfront and wish to be reimbursed for an approved claim electronically, make sure you complete the appropriate section of the Claimant's Statement and Authorization form titled "Supplement C -  Payment Authorization Agreement Form." If you do not make your selection and fill out the information for your preferred payment type, you will receive a paper check for reimbursement of any eligible expenses to the name and address listed on file.

If you have already submitted your claim and did not fill out the "Authorization Agreement Form - Wire Payments” section, you do not need to submit a whole new claim form. You may instead fill out and submit the Payment Authorization Agreement Form with your payment preference via DocuSign within  Member Portal .

Sign in and click “Claims and Appeals” in the main navigation. Then click the “Fill Out and Submit Via DocuSign” button under the “Payment Forms” subheader in the “File a Claim” section.

Enter your name and email address and click the “Begin Signing” button. Click the box next to “I agree to use electronic records and signatures.” Then click the yellow “Continue” button, select your preferred payment type, fill in the required information (as noted by the red boxes), sign the form, and click the yellow “Finish” button.

Clicking “Finish” submits your document and sends a PDF of your signed Payment Authorization Agreement Form to your email. 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.

If 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 within 3-5 days.

FAQs: WorldTrips' Insurance Plans

How Do I Register for a Member Portal Account?

1. Visit Member Portal at  https://worldtrips.my.site.com/MemberPortal . 2. Under “Continue Sign In” click “First-time user? Register for an account.”

3. On the Register page, enter the email address you wish to use to sign into your account. This email does not need to match the email address associated with your policy. Enter your policy number and select whether or not you are the insured or the insured’s legal guardian. Enter the insured’s first and last name as entered on the policy. (You can see how the insured’s name was entered on your ID card and fulfillment documents that were sent to you upon purchase.) Enter the insured’s date of birth. Then choose a password. Follow the password instructions noted on the page.

Read and agree to the terms and conditions by checking the box. Then click the “Continue” button.

  4. You will be taken to the Sign In page. Enter the email address and password you used to register your account and click “Sign In.”

5. To add an additional layer of security when signing into your account, you will be prompted to choose your preferred multifactor authentication method.

Options Include: a.  Okta Verify  - Click "Setup" if you wish to use a push notification sent to the mobile app

b.  SMS Authentication*  - Click "Setup" if you wish to enter a single-use code that is sent to your mobile phone

c.  Voice Call Authentication*  - Click "Setup" if you wish to follow voice instructions via  phone

d.  Security Question  - Click "Setup" if you wish to answer a security question

  * Please be sure to use a method which you will have continual access to on your travels. Do not use phone numbers that will not work outside of your current service area.

  6. Follow the setup instructions of your chosen multifactor authentication method. Then click “Finish.”

  7. On the resulting page, choose a "Forgot Password" question. Make sure you select a question with only one correct answer that is easy to remember.

  Type the answer into the blank box below "Answer." You will need this answer to access your account if you ever forget your Member Portal password and need to reset it.

  You may also choose to add a phone number for resetting your password or unlocking your account using SMS text message or a voice call if you don’t have access to your email.

  Click "Create My Account."

How Do I Submit a Claim?

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.

Filing a Claim on Behalf of Someone Else? If you are filing this claim on behalf of another person, 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 a HIPAA form. This section must be signed by the policyholder in order for us to speak with you 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.

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)

1. Go to Member Portal (formerly Client Zone / Student Zone). 2. 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.

3. Click "Claims and Appeals" in the main navigation menu. 4. 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.

-By Mail 1. Download the Claimant's Statement and Authorization form . 2. 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. Important Note for Students For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form: - A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019 - Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)

Can I Submit a Claim on Behalf of Someone Else?

How Do I Submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA Form) If I Did Not Complete This Section of the Claim 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 .
• 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.
• 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.

• 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.

When and How Will I Receive My Fulfillment Documents?

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.

How Long Do I Have to File a Claim?

What If I Do Not Agree with a Claim's Denial?

There may be situations when you choose to appeal how a claim was processed. You may appeal your claim decision using one of the following methods:

- Submit the Claimant Appeal Request Form Via DocuSign within Member Portal:

• Sign into Member Portal . You will be presented with your Member Portal home page.
• Click “Claims and Appeals” in the main navigation menu at the top of the page. You will be presented with the Claims and Appeals page.
• Switch the toggle at the top of the page under the “Claims and Appeals” header from “Claims” to “Appeals.”
• To file an appeal via DocuSign, click the “Fill Out and Submit Via DocuSign” button under the “Claimant Appeal Request Form” subheader in the “File an Appeal” section.
• Enter your name and email address on the PowerForm Signer Information page and click the “Begin Signing” button.
• Click the yellow “Continue” button to the right.
• Fill in all the required information on the form (as indicated by the red text boxes) and sign everywhere a signature is required (as indicated by the yellow “Sign” boxes).
• Attach your supporting documents (medical records, receipts, itemized bills, etc.), if necessary, at the bottom righthand corner of the page via the yellow attachment boxes. If you have more than 3 attachments or exceed the 5MB attachment limit, see instructions for submitting additional documents here.
• When you are done, click the yellow “Finish” button at the bottom of the page. Clicking “Finish” submits your documents and sends a PDF of your signed Claimant Appeal Request Form to your email.

[CALLOUT] Want more detailed instructions including screenshots? See the “Claimant Appeal Request Form Submitted Via DocuSign within Member Portal (Most Efficient Approach)” section of our “How to Submit a Claim” guide. [ /END CALLOUT]

• Download the Claimant Appeal Request Form .
• Fill out the form and email it, along with additional documentation that supports your reasoning and position (medical records, receipts, itemized bills, etc.), to [email protected]. OR Mail the form and supporting documents to: WorldTrips Appeals PO Box 240358 Apple Valley, MN 55124 U.S.A

- Submit a Written Appeal Letter Via Email or Mail

• Write a letter of appeal following the appeal procedure instructions outlined in your policy documents/certificate of coverage.
• Email this written letter of appeal, along with additional documentation that supports your reasoning and position (medical records, receipts, etc.), to [email protected]. OR Mail the form and supporting documents to: WorldTrips Appeals PO Box 240358 Apple Valley, MN 55124 U.S.A

IMPORTANT! In order for our claims 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.

Why Am I Receiving So Many Letters?

What Is Included in the Fulfillment Documents?

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
• 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 .

How Do I Access My Visa Letter?

What Information Is Included in the Visa Letter?

How Does My Deductible Work?

Am I Eligible for an Atlas Travel Insurance Plan?

When Does My Atlas Travel Coverage Become Effective and When Does it End?

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)

Does the Atlas Travel Plan Provide Any Home Country Coverage?

Does the Atlas Travel Plan Include Any Coverage for Medical Expenses Related to COVID-19?

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. 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 . Sign in to the portal and click the box on the home page labeled "Description of Coverage." 

What Are Atlas International and Atlas America?

What Is Covered Under the Atlas Travel Insurance Plan?

Does the Atlas Travel Insurance Plan Provide Any Trip Cancellation Coverage?

Does the Atlas Travel Insurance Plan Meet Schengen Visa Requirements?

Can I Extend or Renew My Atlas Travel Insurance Coverage?

How Do I Extend My Atlas Travel Insurance Coverage?

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

• Log into your Member Portal .
• 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.

How Do I Cancel My Atlas Travel Insurance Coverage?

Is My Group Eligible for an Atlas Group Travel Plan?

Does the Atlas Group Travel Insurance Plan Provide Any Home Country Coverage?

Does the Atlas Group Plan Include Any Coverage for Medical Expenses Related to COVID-19?

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.

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 . Sign in to the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Description of Coverage."

What Are Atlas Group International and Atlas Group America?

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.)

What Medical Expenses are Covered Under an Atlas Group Travel Plan?

Am I Eligible for an Atlas Nomads Insurance Plan?

When Does My Atlas Nomads Coverage Become Effective and When Does it End?

Your Atlas Nomads 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. U.S. Eastern Time on the last day of the period for which you have paid a premium - 11:59 p.m. U.S. 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)

Does the Atlas Nomads Plan Provide Any Home Country Coverage?

Does the Atlas Nomads Plan Include Any Coverage for Medical Expenses Related to COVID-19?

What Is Covered Under the Atlas Nomads Insurance Plan?

Does the Atlas Nomads Insurance Plan Provide Any Trip Cancellation Coverage?

Atlas Nomads 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. See “Trip Cancellation VS Trip Interruption: What Is the Difference?” for an explanation of the difference between trip cancellation coverage and trip interruption coverage.

Note that Atlas Nomads medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. 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.

Does the Atlas Nomads Insurance Plan Meet Visa Requirements?

Can I Renew My Atlas Nomads Insurance Coverage?

Can I Extend My Atlas Nomads Insurance Coverage?

How Do I Cancel My Atlas Nomad Insurance Coverage?

Most members are able to submit a cancellation request online in Member Portal . 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 Coverage Dates” 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… 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… Only premium for unused whole months (if paying in monthly installments) or unused days (if paid in full) 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. Please note that you cannot have filed any claims to be eligible for a premium refund.

Am I Eligible for a StudentSecure International Student Health Insurance Plan?

When Does Coverage Become Effective Once I Get a StudentSecure Plan?

When Does Coverage Terminate with a StudentSecure Plan?

Which Plan Should I Purchase, StudentSecure Elite, StudentSecure Select, StudentSecure Budget, or StudentSecure Smart?

Do StudentSecure Plans Provide Any Home Country Coverage?

Does the StudentSecure Plan Include Any Coverage for Medical Expenses Related to COVID-19?

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.

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 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 . Sign in to the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Description of Coverage." 

What International Medical Benefits Are Covered in a StudentSecure Insurance Plan?

Are Any Pre-Existing Conditions Covered by a StudentSecure Insurance Plan?

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; 2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; 3. You must be under eighty (80) years of age; 4. 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; 5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; 6. You must be traveling outside your home country

Is There Any Maternity or Newborn Care Coverage with a StudentSecure Insurance Plan?

I Am Planning to Play a Team Sport When I Study Abroad. Am I Covered with a StudentSecure Plan?

Is There Mental Health Coverage with a StudentSecure Plan?

Am I Covered with a StudentSecure Plan if I Have an Accident that Involves Dental Injuries?

Does StudentSecure Provide Coverage for an Emergency Medical Evacuation?

Does StudentSecure Have Emergency Reunion Coverage?

How Can I Access My Personalized Product Links?

I'm Worried About Acts of Terrorism in My Host Country. Is There Coverage for That?

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 chemical, nuclear, biological, radioactive, or cyber weapons or events. 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.

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

Is There Any Accidental Death and Dismemberment Coverage Included with a StudentSecure Plan?

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 total and irrevocable loss of sight. Loss of Limb - Defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle.

StudentSecure Elite and StudentSecure Select offer an optional AD&D Rider for an additional $25,000 lifetime maximum. Neither StudentSecure Budget nor StudentSecure Select provides 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.

Should Something Happen and Death Occurs, Do You Cover the Transportation of Remains Back Home?

What If I Have to Go to the Hospital on the Day My StudentSecure Plan Terminates?

Can I Extend or Renew My StudentSecure Insurance Coverage?

How Do I Extend My StudentSecure Insurance Coverage?

Follow the below instructions to EXTEND your StudentSecure insurance plan:

• Log into your Member Portal account.
• 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.

How Do I Cancel My StudentSecure Insurance Coverage?

Most members are able to submit a cancellation request online in Member Portal . 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 Coverage Dates” 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.

What Is Trip Protection Insurance?

What Are Covered Reasons for Trip Cancellation?

What Are Covered Reasons for Trip Interruption?

What Is a Trip Cancellation for Any Reason (CFAR) Benefit?

How Do I Purchase a Trip Cancellation for Any Reason (CFAR) Benefit?

Who Is Considered a "Traveling Companion" for Insurance Purposes?

Who Is Considered a "Family Member" for Insurance Purposes?

Can I Buy Trip Protection Insurance After Departing on My Trip?

What Is the Latest Date I Can Purchase Trip Protection Insurance?

Can I Purchase Trip Protection Insurance If I'm Not a U.S. Resident?

What Is a Pre-Existing Condition?

A pre-existing condition means an illness, disease, or other condition during the lookback period immediately prior to your effective date of coverage for which you: 1. received a test, examination, or medical treatment; 2. received a recommendation for a test, examination, or medical treatment; or 3. took or received a prescription for drugs or medicine.

Item (3) above does not apply to a condition which is treated or controlled solely through the taking of prescription medication and remains treated or controlled without any adjustment or *change in the required prescription throughout the lookback period before your coverage effective date.

*Change in required prescription means the dosage or frequency of a medication has been increased, reduced, stopped, and/or new medications have been prescribed due to the worsening of an underlying condition that’s being treated with the medication, unless the change is: 1. between a brand name and a generic medication with comparable dosage; or 2. an adjustment to insulin or anti-coagulant dosage. Your Atlas trip protection plan will not cover pre-existing conditions that existed during the lookback period, unless you qualify for a waiver of the pre-existing conditions exclusion. (Note that Atlas On-The-Go does not offer a waiver of the pre-existing conditions exclusion.) Learn more about pre-existing conditions below or review the policy documents for your plan and state of residency for specific coverage details. View the Policy Documents for Atlas Journey and Atlas On-The-Go product pages.

What Is a "Lookback Period"?

How Do I Qualify to Have Pre-Existing Conditions Covered?

Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy will waive the pre-existing conditions exclusion if both the following apply: - you purchase your plan within 21 days of the date you made your first payment toward your trip; and - you are medically able to travel on the date of purchase.

Atlas On-The-Go does not offer coverage for pre-existing conditions. Review the policy documents for your plan and state of residency for more details.

What Kinds of Travel Assistance Services Are Included with My Plan?

Wherever you travel with your Atlas trip protection coverage, you can rest easy knowing you have access to multilingual travel assistance services 365 days a year. Some travel assistance services include: - Worldwide travel, medical, emergency, and security assistance - Pet assistance - Concierge services - Embassy and consular service - Medical referrals - Language interpretation - Assistance with lost or stolen luggage and personal items - Coordination of personal effects collection and return - Search and rescue coordination - Assistance with return of minor children - Arrangements for aircraft and car return

See the full list of travel assistance services available to you.

What Should I Do if I Experience an Emergency While Traveling?

What Information Do I Have to Provide in Order to Purchase a Trip Cancellation Plan?

You will need the following trip information: - Total trip cost - Departure date - Return date - Primary destination - Initial trip payment date - Final trip payment date - Airline (optional) - Cruise line (optional) - Tour operator (optional)

You will need the following personal information for each traveler on your policy: - First and last name - Traveler(s) current age(s) and date of birth - Gender (optional) - Email address - Mailing address - City of residence - State of residence - Postal code - Phone number

You will need the following credit card information to purchase your policy: - Name on credit card - Credit card number - Credit card expiration date (month and year) - Credit card security code

What Do I Choose as My State of Residence?

How Do I Calculate My Total Trip Cost?

What Is Considered My Departure Date?

What Is Considered My Return Date?

Do I Enter My Current Age or My Age on My Departure Date?

What Is Considered the Initial Trip Payment Date?

What Destination Do I Choose if I'm Visiting Multiple Destinations?

When Will My Coverage Become Effective?

What Should I Do if I Need To Change the Details of My Insurance Plan After I Buy?

How Do I Access My Insurance and Policy Documents?

Where Can I See My Coverage Limits?

How Do I Cancel My Travel Policy?

Atlas Journey Premier, Atlas Journey Preferred, Atlas Journey Economy, and Atlas On-The-Go each include a free-look period. This is the period after purchase in which you’re eligible for a refund if you decide to cancel your coverage. Review the policy documents for your plan and state of residency to see how long your free-look period lasts.

You can view policy documents for Atlas Journey or Atlas On-The-Go by using the dropdown to select your state. Then click the link for the policy of your choosing. If you have an Atlas Journey or Atlas On-The-Go plan and your policy number starts with a “T,” you may email us at [email protected] to cancel. Please include “Cancellation Request” in the subject line. If your policy number does not start with a “T,” this means you have a travel medical insurance plan.

Atlas Travel Medical Plans Most members are able to submit a cancellation request online in   Member Portal . Note that only members who have no claims are eligible for a premium refund.

After you create your Member Portal account, 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.

How Do I File a Claim?

What Supporting Documents Should I Include With My Claim?

Examples of supporting documents are as follows:

For a Trip Cancellation Claim : -

• Itinerary/invoice for all trip arrangements
• Proof of payment for trip arrangements
• Proof of cancellation of all trip arrangements
• Documentation supporting your reason for cancellation (e.g., completed attending physician’s statement, death certificate and obituary, jury summons, etc.)

For a Trip Interruption/Travel Delay Claim:

• Documentation of the date you joined the trip and/or left the trip
• Receipts and proof of payment for any additional expenses claimed
• Documentation supporting your reason for interruption/delay (e.g., medical notes/records, death certificate, evidence of delay or cancellation by your common carrier including the reason for the delay or cancellation, etc.)

For an Emergency Accident & Sickness Medical Expense Claim:

• Itemized invoices
• Medical notes/records
• Proof of payment for medical expenses incurred during the trip
• Explanation of Benefits (EOB) from your primary health insurer (if coverage is excess)

For a Baggage Damage or Loss Claim:

• A copy of your claim with the carrier that had possession of the items when they were lost/stolen
• A copy of the resolution of the claim with the carrier
• Itemized list of all items claimed, including the approximate age/date of purchase for each item claimed and proof of the replacement cost for a similar item from a retailer
• If loss was the result of theft, a copy of the police report filed at the time of loss

For a Baggage Delay Claim:

• Property Irregularity Report (PIR) issued by the common carrier (shows evidence of baggage delay)
• Documentation of the date your baggage was returned to you
• Receipts for personal articles purchased while your baggage was delayed

How Long Will It Take for You To Review My Claims?

How Do I Check the Status of a Claim I've Submitted?

How Do I Upload Supporting Documentation for a Claim?

How Long Will It Take To Receive Payment for an Approved Claim?

How Can I Appeal a Denied Claim?

There is no special form required to file an appeal. If you wish to appeal your claim, you may send us a letter explaining the reason you disagree with the denial of your claim. You will need to include your policy and/or claim number as well as documents that support your claim. Email or mail your reasoning, policy/claim number, and supporting documents to:

Mail: Attention: Co-ordinated Benefit Plans, LLC On Behalf of US Specialty Insurance Company P.O. Box 26222 Tampa, FL 33623

[email protected] (please include “Appeal” in the subject line)

Do I Have To Use a Doctor From a Specific List?

Do I Have To Pay the Doctor Up Front?

Many providers are willing to bill us directly, and we are happy to work directly with the provider. The provider should submit original itemized bills to WorldTrips. You, the patient, will still need to submit a completed Claimant's Statement and Authorization form to WorldTrips. If the provider requires you to pay for medical treatment at the time of service, you will need to file a claim for reimbursement. When seeking treatment, please ensure that you provide your name in the same format as provided for your insurance policy. You can check your name format on your fulfillment documents, ID card, or in Member Portal .

At the time of service, ask your medical provider for an itemized bill with the following information: 

• Provider name and address
• Provider tax ID (if U.S.-based)
• Your name, date of birth, and certificate ID number
• Itemized charges
• DX (diagnosis) code and CPT (Current Procedural Terminology) code
• Request your receipt for payment and complete medical records from the visit.

Can My Doctor Call if They Have Questions About What My Plan Covers?

What Happens if I Become Ill or Injured Over the Weekend and Need to Contact You?

What Is a Claimant's Statement and Authorization Form?

Where Do I Find the Claimant's Statement and Authorization Form?

- The Claimant’s Statement and Authorization form. - You can also fill out the form via DocuSign online in Member Portal . (See step-by-step instructions on how to file a claim via Member Portal.) - You can also contact us at 800-605-2282 to request a form by mail or fax.

How Do I Submit the Claimant's Statement and Authorization Form?

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) 1. Go to Member Portal . 2. Log in to your account. If this is your first time using Member Portal, view instructions for registering your new account here.

NOTE: 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.

3. Click "Claims and Appeals" in the main navigation menu. 4. Click the “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 File 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.

By Mail 1. Download the Claimant's Statement and Authorization form here. 2. Print, complete, and sign the form 3. 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.

Important Note for Students: For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form: - A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019 - Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)

Do I Need to Send a Completed Claimant's Statement and Authorization Form with Every Bill?

I Completed the Claimant's Statement and Authorization Form and You're Asking for It Again - Why?

What Is An Authorization Form for Use and/or Disclosure of Protected Health Information (Also Known as the HIPAA Form)?

How Do I Submit the Authorization Form for Use and/or Disclosure of Protected Health Information (Also Known as the HIPAA Form?

You may complete and submit the form to us in one of the following ways:

• 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. 

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.

• Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. 

How Long Will It Take for My Claim to Be Processed?

How Do I Find Out About the Status of Submitted Claims?

I Submitted Everything You've Requested - Why Are My Claims Still Not Processed?

Is the Explanation of Benefits (EOB) a Bill?

What Is Subrogation?

In health insurance, subrogation is the process through which an insurance company seeks to recover medical costs from another party’s insurance. For WorldTrips, it refers to those times when you or your family may have submitted a claim for medical care for which a third party is responsible. These types of claims could be car accidents, slip and fall claims, negligence claims, or product liability claims. In cases where a claim for services in the United States is in question, WorldTrips is responsible for administering the claim.

We use Equian, an independent company, to assist us with the investigation and recovery process for these subrogated claims. [equian logo?] - What Equian Will Do? As part of the investigation process, you may receive a letter or email directly from WorldTrips and Equian asking you to provide details regarding an incident or paid medical claim. The date of your consultation or treatment and the name of the healthcare provider will be listed on the letter and the investigation will be allocated an event number.

-What You Need to Do If you have been contacted by WorldTrips and Equian, you can fill out the online subrogation questionnaire at the following link: https://selfservice.troversolutions.com You will be asked to provide your event number, which was provided in the correspondence, so please have it ready to reference. You can also call the toll-free customer service number at +1 (800) 395-5568 to provide the information to an Equian customer service representative.

Customer service hours in the U.S. are as follows: - Monday through Thursday: 8:30 a.m. until 9:00 p.m., Eastern Standard Time - Friday: 8:30 a.m. until 7:00 p.m., Eastern Standard Time - How Helping Us Will Benefit You By providing WorldTrips and Equian with the requested accident-related information, you are able to take an active role in helping to control your healthcare costs. If Equian determines another party was responsible for your injuries, it may seek reimbursement from the responsible party or insurance.

With the Patient Protection Affordable Care Act (PPACA) Law, How Can You Deny Pre-Existing Conditions?

How Do I Become Contracted with WorldTrips?

Are There Any Contract Fees or Production Requirements?

Do I Have to Carry a Health Insurance License in Every State?

Can I Sell WorldTrips' Portfolio of Products on My Personal Website?

How Can I View My Production?

When and How Are Commissions Paid?

Commissions are paid each month on the third to the last business day of the month for all commissions owed for all sales since the last commissions received.  You may also be eligible for a second commission payment if you sign up to receive payment by EFT (ACH/Wire) and are owed over $100.00 on the second Wednesday of each month. 

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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.

WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.

WorldTrips' Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.

In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705

Making a Travel Insurance claim

To start your claims process you’ll need to provide a few details to Inter Partner Assistance (part of the AXA group), who underwrite your policy.

Need help in an emergency whilst you’re away?

If you need help in a medical emergency, you can call our emergency helpline which is open 24 hours a day, 7 days a week.

Before you start your claim

For cancelled bookings please get in touch with your booking provider to ask for a refund. This includes your airline or accommodation provider, or any another provider you've used to book your trip. If you paid for any part of your trip by credit card, please also contact your card provider.

Contacting your provider first may speed up any refunds you are entitled to, or find out if there is another option available, such as changing dates.

Need to make a Gadget Cover claim?

Our claims teams are here to help you make a new claim or talk about an existing one.

If you purchased or renewed your policy on or after 13 December Your appointed claims administrator is Taurus. Lines are open Monday to Friday, 9am to 5.30pm.

You can also make a claim online or find out more about making a claim.

If your policy was purchased before 13 December 2023 Your appointed claims administrator is Citymain. Lines are open Monday to Saturday, 8am to 5.30pm.

Have your documents ready

AXA will ask you to provide digital copies of any documents that support your claim. These could include:

• Original trip booking invoice or itinerary to confirm your travel details.
• An email or letter from a transport provider/breakdown service confirming the incident which caused you to miss your departure.
• Invoices or receipts for expenses incurred as a result of disruption to your travel plans.

Please do not upload copies of your boarding passes as AXA cannot accept them as evidence.

What happens after I start my claim?

You’ll be given a claims reference number. We’ll be in contact with you if we need anything else or something changes you should know about.

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How do I make a claim on my travel insurance?

To make a travel insurance claim, please login to our Membership Services(opens in a new window) . Alternatively, you can contact us on the numbers below.

0345 609 0453 (Relay UK 18001 0345 609 0453). Lines are open 24/7. If you need emergency assistance whilst abroad call us on: 0345 609 0453 or +44 1252 763 658. Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

01252 308 792 (Relay UK 18001 01252 308 792). Lines are open 24/7. If you need emergency assistance whilst abroad call us on: 0345 601 5219 or +44 125 230 8792. Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

0345 601 7188 (Relay UK 18001 0345 601 7188). Lines are open 8am-6pm Mon-Fri, and closed Saturday, Sunday and bank holidays. If you need emergency assistance whilst abroad call us on: 0345 601 7188 or +44 2392 660 340. Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

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Money blog: Swifties fuming after paying £680 for 'lovely view of a tent'

Taylor Swift wowed the critics with her first Eras shows in the UK last week - but some fans were not impressed by their seats. Meanwhile, the cheapest place to buy a seaside home in the UK has been revealed. Leave your thoughts on any of the stories we cover in the box below.

Wednesday 12 June 2024 11:38, UK

• Economy flatlines in blow to Sunak  
• UK's cheapest and most expensive seaside places revealed
• Swifties fuming after spending £680 for 'lovely view of a tent'
• Euros sparks spending rise on groceries and new TVs

Essential reads

• Cheap Eats: Michelin Guide chef picks out top cheap eats in London
• 'Would you ask me that if I was a man?' Meet the woman behind the UK's first net-zero whisky distillery
• Basically... APR v AER - what's the difference?
• Money Problem: 'I bought a heat pump dryer that takes nine hours to dry a small load but Candy and AO say there's no fault - what can I do?'  
• Best of the Money blog - an archive

Ask a question or make a comment

Taylor Swift's Eras tour officially arrived in the UK last week, with tens of thousands of fans packing into Murrayfield Stadium in Edinburgh to see the star perform. 

For three nights, fans enjoyed a three-hour show, 45 songs, several costume changes and stunning set changes. 

Tickets ranged in price from around £86 to more than £660. 

While the reviews were glowing, some fans were left disappointed after spending more than £600 on VIP tickets to have their view blocked by a tent.

TikTok user @hollyheatherevans showed off her "£600 VIP view", which was blocked by a tower, a tent and what looked like a Portaloo.

"Was a great show Taylor, couldn't see you though. #obstructedview #errorstour," she wrote. 

Another Swiftie, Pat Herb, told her TikTok followers she spent £680 for a "lovely view of a tent". 

She said she "didn't see anything" on the stage. 

"I did have fun and I am grateful to be there but this was not worth £680... so heartbroken," she added. 

In the comments of her video, other fans shared their frustrations. 

"Same thing over in E14. Couldn't see anything in the centre diamond due to the sound tower," one said. 

"I was W15 Row K and in the same boat, I did ask to be moved though," another said. 

By James Sillars , business reporter

The news dominating financial markets this morning is coming out of Brussels.

Shares in top European carmakers are taking a plunge on expectations the EU is about to impose tariffs on China-produced electric cars - after a similar move by the US.

Analysts expect additional duties of between 10% and 25% to be slapped on makers such as BYD and Geely due to anticompetitive Chinese state subsidies that keep prices down.

The penalties would also cover Western producers such as Tesla that export cars from China to Europe.

EU brands including big beasts such as Mercedes and BMW oppose the idea of tariffs as they fear retaliation from Beijing, which would hurt their own sales.

As such, their shares took a hit at the market open, with Porsche leading the way down almost 6%.

In London, the FTSE 100 opened 0.6% higher, with industrial and financial stocks on the charge.

Consumer-facing shares such as B&M, Ocado, Next and Frasers weighed, however, after the latest figures showed the UK economy flatlined as shoppers were put off by the rain in April.

The UK economy has flatlined, according to early official data that has been seized on by the government's critics as evidence the Tories' plan is not working.

The Office for National Statistics said there was zero growth in April, after the economy recorded its fastest growth in two years from January to March.

Experts have blamed a negative impact from wet weather, knocking both retail sales and construction output.

Despite the emphasis on the hit from rain, the numbers are still a setback for Rishi Sunak's key election argument that the economy is improving after successive hits from the COVID pandemic followed by the cost of living crisis.

Our  business presenter Ian King said professional scientific and technical activity contributed positively to the economy, but the retail sector did "pretty badly". 

He explained that growth was not expected by economists, and some had predicted a contraction.

"There will be certain parts of the country doing better than others," he added.

Every Wednesday we ask Michelin chefs to pick their favourite Cheap Eats where they live and when they cook at home. This week we speak to Vivek Singh from the Cinnamon Collection (home to popular restaurants including the Cinnamon Club and Cinnamon Bazaar). 

Hi Vivek , c an you tell us your favourite places in London  where you can get a meal for two for less than £40?

Everest Curry King  is a Sri Lankan place in Lewisham - I will pretty much eat anything there. It is homemade in house and everything is fresh on the day then reheated to order. The dosa is made to order every time. You can definitely get a filling meal for two here for less than £40.

Babur is a southeast London institution to me. Some of the most-loved local restaurant's prices have crept up in the past 35 years, but Babur is still a great place to have a really decent meal for under £40 for two people. 

It is especially great for lunch. You could get aloo gobi, mushroom corn saag, a side of pears and kadai paneer, a couple of breads (for example, a cheese and chilli naan), as well as rice and tomatoes all for under £40 for two people.

What's your go-to cheap meal at home?

My cheap eat to cook at home would be a chicken tikka and cheese toastie.

One tip that non-chefs might not know is everything tastes better between two slices of bread (haha). 

If I have some leftover chicken tikka or have some from the deli, I'll get some chopped cheese, onion and ginger then I will pop it in a toastie and a little goes a long way.

We've spoken to lots of top chefs and bloggers - check out their cheap eats from around the country here...

The start of Euro 2024 this week is predicted to drive an increase in shoppers splashing the cash on new tech and food supplies.

According to a survey by the British Retail Consortium, 6% of shoppers say they expect to buy a new TV or device to watch the matches, and 4% are planning on buying official merchandise.

Meanwhile, some 13% of people said they're going to spend more on groceries, alcohol and takeaways for the month-long football fest.

The research reveals that younger people are most likely to fuel the spending boost, with nearly a quarter of 18 to 24-year-olds saying they'll spend more on their food shop, compared to just 4% of people aged 55 and over.

Kris Hamer, BRC director of insight, said the survey of 2,000 adults shows retailers "could score a hat-trick".

"After sluggish spring sales, shoppers are expected to kick off their summer spending at the Euros," he said.

"Here's hoping England and Scotland can make it all the way to the final."

Different figures from Adobe show there's been a 14% rise in spending on TVs, while online sales of England shirts and other team merchandised soared by 115% in May.

And while football fans in the UK are preparing to watch this weekend's games from their sofas, anyone lucky enough to have tickets to the tournament in Germany will benefit from the pound hitting its highest level in nearly two years against the euro.

The currency fell when Emmanuel Macron, the French president, called a snap election after his party suffered calamitous results in EU elections.

The euro dropped to as low as 84.53p yesterday morning - its lowest since August 2022 - so it's a good time to snap up that holiday cash if you're heading over there!

Many of us have dreamed about a life by the beach, so where's the most affordable place to buy a home?

The average coastal home is now £293,710, 4% lower than in 2022 but 48% higher than 10 years ago, according to figures from Lloyds Bank. 

But if you head to Rothesay on the Isle of Bute in eastern Scotland, you'll find the average price of a house there is £101,477.

In fact, the 10 cheapest coastal locations to buy a home are all in Scotland...

At the other end of the scale is Salcombe in Devon, the most expensive place in the UK to buy a home near the sea.

Properties in the town cost an average of £970,657, according to Lloyds Bank. 

While that's down 22% (or £270,641 in cash terms) since 2022 when they cost more than £1.2m, it's still around nine times the price of a house in Rothesay.

Affluent Sandbanks in Dorset, home to celebrity residents including Harry Redknapp, is the second most expensive, with an average price tag of £957,739.

In fact, all the top 10 are in the South West.

Padstow in Cornwall, with its renowned Seafood Restaurant by Rick Stein, is third, with homes costing around £701,979. 

"These pricier areas can result in a lack of affordable homes for first-time buyers, a problem often exacerbated by high levels of second-home ownership, meaning that many who have grown up in the area may find themselves priced out of owning their own home locally," Amanda Bryden, head of mortgages at Lloyds Bank, said. 

Since the pandemic, almost 800,000 people have fallen out of employment into "economic inactivity", a catch-all definition that covers the nine million people of working age not able or looking to work.

That includes students, early retirees and stay-at-home parents and carers, but the biggest and most pernicious reason is long-term sickness, which now accounts for more than 2.5 million people, an increase of more than 400,000 since COVID, driven largely by mental health conditions.

Business correspondent  Paul Kelso  travels to Middlesbrough to hear the stories behind the numbers.

Michael is fair haired and frail, with a face that tells a story. 

Until seven years ago, his life was perhaps as he imagined it. He was married and working for a fancy food shop in his home town in North Yorkshire.

Then something happened. He is reluctant to share the full details but his marriage broke down, he lost the job, and was left with a choice: "It was to be homeless, or move to a bedsit in Middlesbrough."

Which is how we come to be speaking in the Employment Hub on Corporation Road, opposite Middlesbrough's Jobcentre.

A council-backed centre, it offers help and guidance to anyone looking to get back into work.

Young adults making the leap from education to employment; older people who want or need to earn again; and clients like Michael, who fall somewhere in between, derailed by illness or personal circumstances.

The prospect of an interest rate cut when Bank of England officials meet next week has been dealt a blow after data showed basic pay is still rising.

Wages continued to grow at 6% in the three months to April - more than double the rate of inflation, according to the Office for National Statistics (ONS).

The unemployment rate rose to 4.4% over the same period, up from 4.3% in the three months to March and the highest level since September 2021.

What does this mean for the Bank of England as it weighs cutting interest rates? Business reporter James Sillars has the latest...

The final set of employment figures before polling day will be monitored by the Bank before it decides on whether to cut rates - we'll get the announcement next Thursday.

The Bank has hinted an interest rate cut is likely in the coming months but it remains worried about sticky services inflation and the pace of wage growth fuelling more price rises in the economy.

There were 14 consecutive interest rate increases from December 2021 up until last summer, aimed at dampening demand to help bring price growth down.

The rate hikes drove up the cost of borrowing, with mortgage holders facing bills of hundreds of pounds more a month as low fixed-rate terms expired.

With the main consumer prices index measure of inflation running at 2.3% - above the Bank's 2% target - members of the rate-setting committee have acknowledged progress but are unlikely to follow the European Central Bank in cutting rates this month.

Even before the ONS data was released, financial markets projected just a 10% chance of a rate cut from 5.25% to 5% on 20 June.

Most of the money is on September. However, those predictions could yet shift.

The ONS is also set to publish this week the preliminary growth figures for the economy in April.

They are predicted by economists to show zero growth for the month, largely due to the impact of poor weather.

And next Wednesday, the day before the interest rate decision,  the latest inflation figures will be published - another key factor for the Bank.

BP staff will have to disclose intimate relationships under a new policy.

The rules, which put employees at risk of being sacked if contravened, have come into force after the dismissal of former boss Bernard Looney.

Previously, employees only had to disclose relationships if there was a conflict of interest risk.

So-called "Super-ATMs" are going on trial in England to provide a cash lifeline to residents without a local bank branch.

Customers with multiple banks will be able to make deposits at one machine in a UK industry first.

The ATMs are already up and running in Athersone, Warwickshire, in Heathfield, East Sussex, and in Swanage, Dorset.

Fish and chicken bought from Sainsbury's will soon come in recyclable card trays.

The supermarket believes it can slash almost 700 tonnes of plastic packaging per year on its own-brand products.

Sainsbury's says it is a "UK retailer first" decision.

Jamie Oliver has backed a proposal to ban the sale of some energy drinks to under-16s.

The celebrity chef said the UK has some of the least healthy children in Europe and people would "be amazed" how many consumed an energy drink for breakfast.

Labour has pledged to stop giving younger teenagers access to highly caffeinated soft drinks as part of a strategy to improve child mental and physical health.

"This is really exciting for me. It means they're looking at the detail, it means they're looking at the science," said Oliver, who described himself as apolitical.

"Child health hasn't been put central to any manifesto in the last 20 years, ever, ever, ever. You've never seen it on a bus with a number."

Labour's plans would apply to drinks containing more than 150mg of caffeine per litre, meaning they would prohibit beverages like Monster Energy for under-16s but not Coca-Cola.

Oliver said children were "bouncing off the walls" in classrooms and teachers were struggling to control them.

"You would be amazed if you saw how many kids have breakfast in the form of an energy drink."

Speaking on X, Mr Oliver said: "When we've got some of the most unhealthy kids in Europe, we need to not have one thing, we need many, many things that are going to help make our kids fitter, healthier, have better outcomes and just flourish and be more productive as adults, and cost the NHS less."

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