What to do when a TMHCC account holder dies
Report the death to TMHCC's WorldTrips Claims Department at 1-800-605-2282
Filing a death claim on a TMHCC policy begins with notifying the WorldTrips Claims Department at 1-800-605-2282. Life insurance claims are separate from probate—proceeds transfer directly to named beneficiaries regardless of whether the estate goes through court. The timeline and documentation requirements depend on the policy type and cause of death.
Death claim process
To file a claim after an account holder's death, here is what TMHCC requires:
Filing a claim
- The page states: "Please check your policy for claims reporting instructions. If you do not have a copy of your policy, contact your broker or agent for assistance."
- Complete the Claimant's Statement and Authorization form. The Description of Coverage says a proof of claim must include it, completed and signed, "together with any/all required attachments."
- File online: sign in to the WorldTrips Member Portal, go to Claims & Appeals, and select "Submit New Claim via DocuSign."
- Supporting documents can be added later with "Submit Additional Supporting Documents."
- Or mail the form to WorldTrips Claims Department, PO Box 240358, Apple Valley, MN 55124. WorldTrips states it "is also happy to fax, e-mail, or mail the form(s) to you upon request."
- Anyone filing for someone else completes Supplement D (Authorization Form for Use and/or Disclosure of Protected Health Information) in the same form.
- For electronic payment, complete Supplement B (Payment Authorization Agreement Form).
- Proof of claim must be received within 60 days of the last day of the certificate period.
- The policy requires notice of a claim "within thirty (30) days after a loss occurs, or as soon as reasonably possible." Someone else may give the notice on the insured's behalf.
- Proof of loss is due "within ninety (90) days after the date of the loss or as soon as reasonably possible."
- File in the WorldTrips Member Portal and upload supporting documents; claim forms are also available from WorldTrips.
- Claims contact for policies purchased on or after 11/05/2025: ctpservice@worldtrips.com (Mon-Fri, 8:00 a.m.-5:15 p.m. ET).
- Claims contact for policies purchased before that date: atlasjourneyclaims@cbpinsure.com.
- The policy states: "All claims shall be paid within thirty (30) days following Our receipt of due Proof of Loss."
- The Specialty Group claims page lists disabilityclaims@tmhcc.com for High Limit Disability policyholders, and (800) 927-6306 or specialtyclaims@tmhcc.com for general Specialty claims inquiries.
- File at the Surety Group claims portal.
- The portal lists what to have ready: your contact information, contracts, proofs of payment, estimates to correct or complete, and invoices.
- It asks whether you have the bond number (or a contractor license, motor carrier, or freight forwarder number) of the entity you are filing against.
Required Documents
- Claimant's Statement and Authorization form, for a WorldTrips travel medical plan claimCompleted and signed, with any required attachments.
- Policy or certificate number, for a WorldTrips claimWorldTrips states: "We CANNOT process your claims without the correct ID Number".
- Supplement D (HIPAA authorization), when filing a WorldTrips claim on behalf of another personSupplement D is the Authorization Form for Use and/or Disclosure of Protected Health Information, in the same form.
- Supplement B (Payment Authorization Agreement Form), for electronic payment of a WorldTrips claim
- Proof of loss, for a WorldTrips Atlas Journey claimWorldTrips states required documents "vary by claim type".
- Contracts, proofs of payment, estimates to correct or complete, and invoices, for a surety bond claimThe portal also lists your contact information.
Claims Contact
Website: Online portal →
Forms TMHCC issues2
- Atlas Journey claim forms
Sent by the institution on request.3
Accounts handled elsewhere2
- Tokio Marine HCC Specialty Group
Specialty Group claims, including Accidental Death & Dismemberment policies4
Phone: 1-800-927-6306
Email: specialtyclaims@tmhcc.com
- Tokio Marine HCC Surety Group
Surety bond claims, for example against an executor, administrator, or guardian bonded by TMHCC5
What TMHCC's agreement and guidance say2
- Telling the institution
For a WorldTrips travel medical plan, proof of claim must be received within 60 days of the last day of the certificate period.6
The Atlas Journey policy requires notice of a claim within 30 days after a loss occurs, or as soon as reasonably possible, and proof of loss within 90 days. Someone else may give the notice on the insured's behalf.7
- How proceeds are paid
A WorldTrips travel medical accidental death benefit is paid to the beneficiary named on the application. If none was named, the order is spouse, then children equally, then the estate; for a member under age 18, custodial parent(s), then siblings equally, then the estate.6
Atlas Journey pays its designated beneficiary, or by default the spouse, children, parents, brothers and sisters, then the estate.7
On a WorldTrips travel medical claim, payment is issued as a paper check to the name and address on file for U.S. and Canadian residents unless Supplement B is completed for electronic payment.1
Sources7
- 1.Claimant's Statement and Authorization (WorldTrips)
- 2.WorldTrips Claims Resource Center: travel medical
- 3.WorldTrips Claims Resource Center: trip protection
- 4.Tokio Marine HCC Specialty Group claims page
- 5.Tokio Marine HCC Surety Group claims portal
- 6.Atlas Travel Description of Coverage
- 7.Atlas Journey Elevate sample policy
Atlas Journey claims are paid within 30 days of receipt of due proof of loss. Travel medical plans: final processing time "depends on multiple factors."
Frequently asked questions
Tokio Marine HCC's product catalog has no life insurance category. Its products that pay on a death are accident coverages: the Accidental Death and Dismemberment and Common Carrier Accidental Death benefits built into WorldTrips travel medical plans, the AD&D benefit in Atlas Journey trip protection, and the Specialty Group's Accidental Death & Dismemberment coverage for highly compensated individuals. The Specialty Group also sells Critical Asset Protection, which covers "death from any cause" but "must be purchased by a third party," such as a corporation or sports organization protecting its investment in a key person. Its Accident & Health products (Medical Stop Loss, Captive Stop Loss, Organ Transplant, Cell and Gene Therapy, Taft-Hartley, MedPlus) are employer health-plan coverages.
The person named on the APPLICATION. WorldTrips defines "Beneficiary" as "the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit." If no one was named, the default order for a member age 18 or older is 1. spouse (if any), 2. children (if any) equally, 3. the member's estate; for a member under 18 it is 1. custodial parent(s) (if any), 2. siblings (if any) equally, 3. the member's estate. Atlas Travel, Atlas Premium, and Atlas MultiTrip include the benefit in their Descriptions of Coverage (Atlas Travel: $25,000 accidental death, or $50,000 for a common carrier accident, for ages 18 through 69). Among student plans, only StudentSecure Elite and StudentSecure Select include it. Atlas Journey trip protection uses a different rule: its designated beneficiary, or by default spouse, children, parents, brothers and sisters, then the estate.
The Atlas Travel, Atlas Premium, Atlas MultiTrip, and StudentSecure Descriptions of Coverage each state: "We must receive proof of claim for an incident within sixty (60) days of the last day of your certificate period." Proof of claim includes a completed and signed Claimant's Statement and Authorization form. File in the WorldTrips Member Portal (Claims & Appeals, then "Submit New Claim via DocuSign") or mail the form to WorldTrips Claims Department, PO Box 240358, Apple Valley, MN 55124. WorldTrips answers claim questions at (800) 605-2282, or +1 (317) 262-2132 from outside the U.S. Atlas Journey trip protection runs on a different clock: notice within 30 days of the loss and proof of loss within 90 days.
Tokio Marine HCC Surety Group takes bond claims through its online portal at https://claims.hccsurety.com/cop/. The portal lists what to have ready: your contact information, contracts, proofs of payment, estimates to correct or complete, and invoices. It first asks whether you have the bond number (or a contractor's license, motor carrier, or freight forwarder number) of the entity you are claiming against.
TMHCC's WorldTrips Claims Department can be reached by phone at 1-800-605-2282 for questions throughout the claims process.
Sources
Data sourced from TMHCC primary sources (35 pages reviewed). How we research.
TMHCC death claims support
WorldTrips Claims Department (travel medical plans)
Phone
WorldTrips, from outside the U.S.
Specialty Group claims - general inquiries
Corporate Headquarters
Hours
Mailing address
Website
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