international student life An increasing number of American students are choosing to study abroad, but as they explore foreign lands, eat weird food, meet interesting people and make new friends in a bid to broaden their cultural horizons, they find themselves completely outside their element. It's all fun and games until someone falls ill, gets injured or has a medical emergency in a foreign land where they don't speak the local language, but that's precisely when the quality of medical coverage you have makes all the difference.
program requirements Most study abroad programs require you to purchase international health insurance that gives you the medical, logistical and financial support you need to deal with unexpected illnesses, emergencies, changes, and cancellations. Although our Student Medical plans that have been specifically developed to meet U.S. university requirements, the minimum coverage amounts required can vary according to the school, country or region you're visiting. We encourage you to check with your institution or give us a call if you're unsure. And while some universities offer their own plans, we recommend you purchase a U.S policy as they generally adhere to a higher standard and offer greater protection for students studying abroad.
coverage matters Student Insurance plans give you the option to visit your campus healthcare center or browse our international provider directory to find a doctor or specialist that meets your needs. If neither is an option we understand you are traveling so don't worry all plans we offer will still extend coverage if outside the network. You'll be covered for minor ailments like a colds, flu, food poisoning or urgent care as well as the more major emergencies such as slip and falls, surgical treatments, hospital stays, ambulance service, emergency medical evacuation, repatriation and prescription drugs. In addition, our plans come with coverage for your spouse and children, mental illness, maternity and drug or alcohol abuse along with limited coverage for pre-existing conditions and sports-related injuries. You can also breathe easy knowing that you're covered if you end up having a medical emergency or need to see a doctor during any additional travel while abroad.
the cost of coverage Since our policies are both flexible and customizable, costs tend vary according to the plan you pick. And even with those, the deductible and maximum coverage limits are determined by scope of coverage, the location and duration of your stay, and any government or university requirements. The best way to figure out costs is to decide what kind of coverage you want, and then personalize it to your specific needs based on price, coverage, and value. Premiums for your Student Medical Insurance are paid either in full or on a monthly basis, and if for some reason you don't end up making the trip, your plan is both cancelable and refundable at any time.
