Frequently asked questions
Am I Eligible for the MyGlobalShield™ Insurance Plan?
When Does MyGlobalShield™ Coverage Become Effective and When Does it End?
Your MyGlobalShieldTM 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 MyGlobalShield™ Plan Provide Any Home Country Coverage?
MyGlobalShield TM does offer medical expense coverage in your home country in the following situations:4
Benefit Period
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, including when you return to your home country, the benefit period applies for up to 90 days only to eligible medical expenses directly related to an injury or illness that was diagnosed or treated while the certificate was in effect. The benefit period begins on the first day of diagnosis or treatment of a covered injury or illness made while you are outside your home country. The benefit period applies whether or not you return to your home country.
Incidental Home Country Coverage
You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.
For individuals with the U.S. as a home country: For every three-month period during which you are covered hereunder, eligible medical expenses incurred in the U.S. are covered up to a maximum of 15 days.
For individuals with a home country other than the U.S.: For every three-month period during which you are covered hereunder, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days.
Should you make a change to the location of your home country during the certificate period, you must notify us of such change within fifteen (15) days. Your new home country will govern the terms of any home country or incidental home country coverage.
Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or you returning to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.
Does the MyGlobalShield™ Plan Include Any Coverage for Medical Expenses Related to COVID-19?
Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Visit “ How Coronavirus Affects Your Coverage ” to learn more. (This link will take you outside of our site to the website for WorldTrips which is the the plan administrator for MyGlobalShield TM . Follow the guidance for Atlas Travel.)
Does the MyGlobalShield™ Insurance Plan Meet Schengen Visa Requirements?
Yes, MyGlobalShield™ travel insurance meets Schengen visa requirements. When you purchase an our policy, you will also gain access to a visa letter that can serve as proof of insurance for your Schengen visa.
See Schengen visa insurance requirements and learn how Atlas Travel meets those requirements. (This link will take you outside of our site to the website for WorldTrips which is the the plan administrator for MyGlobalShield™ . )
Can I Extend or Renew My Atlas Travel® Insurance Coverage?
After your initial purchase, you may extend your coverage (5-day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the deductible, nor will benefit limits be reset.
If your travel does not include the United States and you are not a U.S. citizen, you may extend your coverage up to a maximum of 365 days. After 365 days of continuous coverage, you may renew your policy for two additional 365-day coverage periods.
Deductible must be re-satisfied as of each renewal date. If a new application is required, then you must re-satisfy your deductible and Pre-existing Condition provisions.
Extensions or renewals must be made online in the Member Portal with payment by credit card.
When and How Will I Receive My Fulfillment Documents?
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.
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
- Information about our privacy policy
- How we use your personal and sensitive information and who we may disclose it to
- Information about your data protection rights
- How to opt out of marketing communications or withdraw your consent
ID Card
- Name of insured(s)
- Certificate/policy number and effective date of coverage
- Instructions on how to file a claim
- Name and logo of PPO network
- Instructions on how to find a provider
Learn more about your ID card here (This link will take you outside of our site to the website for WorldTrips which is the the plan administrator for MyGlobalShield™ . Follow the guidance for Atlas Travel).
What Information Is Included in the Visa Letter?
You can access your visa letter by signing into your Member Portal account at worldtrips.my.site.com/MemberPortal . Click “Policy Information” in the main navigation and click the box labeled “Download Visa Letter.”
Need help registering a Member Portal account or adding a policy to your account? See our “ How to Submit a Claim” guide . (This link will take you outside of our site to the website for WorldTrips which is the the plan administrator for MyGlobalShield™ . Follow the guidance for Atlas Travel).
What Information Is Included in the Visa Letter?
Your visa letter will confirm that your MyGlobalShield™ policy satisfies Schengen visa health insurance requirements. It will also include the following information:
- Your name
- Your home country and citizenship
- Your destination country or countries
- Your certificate (policy) number
- Your policy’s effective date
- Your policy’s termination date
- An overview of your policy details, including your overall policy maximum, maximum per injury/illness, and deductible
- An overview of important benefits and their coverage amounts
- WorldTrips contact information, the plan administrator for MyGlobalShield™
How Do I Submit a Claim?
For detailed information on how to file a claim you can use the following links:
These links will take you outside of our site to the website for WorldTrips which is the the plan administrator for MyGlobalShield™. Follow the instructions for Atlas Travel.