Language Travel programs

Insurance solutions for Language Travel programs

Your participants learn, explore and often travel on their own for the first time. Their coverage should be affordable, easy to use and there for them in and out of class.

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Illustration of a language student learning on a laptop
Built for learning on the goIn class, on excursions and in everyday life

Your responsibilities

What matters most in Language Travel programs

Participants navigate new countries and travel independently, often for the first time. Your coverage should offer practical support throughout the journey.

  • 01Affordable coverageFlexible, cost-effective protection for essential healthcare and travel needs.
  • 02Travel protectionCover for baggage, travel delays and lost documents on trips and excursions.
  • 03TelemedicineQuick access to medical advice and broad provider access in unfamiliar places.
  • 04Beyond class timeSupport during free time, social activities and everyday life abroad.

Sample plan

How a Language Travel solution can be structured

An overview of a typical structure, based on our experience with Language Travel programs.

Final coverage, benefits and limits are always tailored to your program requirements, destination, participant profile, insurance carrier and claims administrator.

Medical coverage highlights8
  • Overall policy maximum between $100,000 and $500,000, available per illness or per injury
  • Deductibles, copayments and coinsurance kept as low as reasonably possible
  • Emergency room care, with education on when it should be used (U.S. programs)
  • Affordable, easy-to-access urgent care, walk-in clinic and telemedicine options (U.S. programs)
  • Hospital treatment and ancillary charges
  • Physician services (office and hospital visits)
  • Prescription drugs
  • Ambulance transportation
Exclusion options4
  • Standard exclusions applicable to the population, with the ability to customize
  • Exclusions for mental health, often changed to a limited benefit for outpatient and inpatient care
  • Exclusions for sports and hazardous activities, carefully reviewed and customized if necessary
  • Certain activities and pre-existing conditions reviewed depending on the program structure
Emergency assistance services3
  • 24/7 multilingual emergency medical assistance and support
  • Medical evacuation and repatriation
  • Repatriation of mortal remains
Additional benefits4
  • Mental health and wellness program access, including crisis care (U.S. programs)
  • Telemedicine access
  • PPO network with direct billing for participants hosted in the U.S.
  • Claims administrator support in arranging direct payment for participants hosted outside the U.S., when necessary
Optional add-ons8
  • Liability coverage
  • Baggage coverage
  • Telemedicine, teletherapy and teledentistry buy-up (U.S. programs)
  • Online pharmacy discount program (U.S. programs)
  • Trip interruption, trip delay and trip cancellation
  • Legal advice
  • Emergency bail bond
  • Lost documents and emergency cash assistance
Program support and access4
  • Dedicated account manager to advocate for and assist Language Travel participants
  • Digital access to policy, ID card and other documents
  • Claims support and guidance
  • Educational resources for participants and organizations

Let’s design the right coverage for your program

Tell us about your program and we’ll guide you through the next steps, whether you already have requirements or just want to explore options.

Request your customized plan or contact us