Study Abroad Insurance Solutions

Your responsibilities

What matters most in Study Abroad programs

Participants balance academics with independent living and travel. Your coverage should help them navigate care with confidence.

01Rich plansBroad protection for the whole semester, with low out-of-pocket costs and easy access to care.
02Easy accessSimple ways to find providers and know where to seek care, often for the first time on their own.
03Network supportStrong provider networks and telemedicine for fast, efficient care, with guidance throughout the program.
04Beyond campusSupport during travel, social activities and everyday life abroad.

Sample plan

How a Study Abroad solution can be structured

An overview of a typical structure, based on our experience with Study Abroad programs.

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

Medical coverage highlights10

Overall policy maximum between $500,000 and unlimited, 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)
Physiotherapy
Prescription drugs
Ambulance transportation
Emergency treatment of pre-existing conditions (optional)

Exclusion options6

Standard exclusions applicable to the population, with the ability to customize
Exclusions for routine and preventive care, carefully reviewed and customized if necessary
Exclusions for sports and hazardous activities, carefully reviewed and customized if necessary
Exclusions for mental health, often changed to a limited benefit for outpatient and inpatient care
Exclusions for pre-existing conditions, carefully reviewed and customized if necessary
Exclusions for STDs and common skin disorders, carefully reviewed and customized if necessary

Emergency assistance services5

24/7 multilingual emergency medical assistance and support
Medical evacuation and repatriation
Repatriation of mortal remains
Compassionate emergency visit (round trip home and back in case of a death or life-threatening condition of an immediate family member)
Bedside (family reunion) benefit: round-trip ticket plus meals and lodging for one family member if a participant is hospitalized for a certain number of days

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-ons12

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
Terrorism coverage
Search and rescue
Political, security and natural disaster evacuation
Kidnap consultant fees

Program support and access4

Dedicated account manager to advocate for and assist Study Abroad participants
Digital access to policy, ID card and other documents
Claims support and guidance
Educational resources for participants and organizations

Insurance solutions for Study Abroad programs

What matters most in Study Abroad programs

How a Study Abroad solution can be structured

Let’s design the right coverage for your program