Insurance solutions for Study Abroad Programs

Study abroad participants spend extended periods living, studying, and traveling independently in unfamiliar environments — often for the first time away from home.

Their insurance should provide comprehensive healthcare coverage while remaining easy to access and simple to navigate throughout the entire international experience.
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Supporting Your Program Responsibilities

What matters most in Study Abroad Programs?

Study abroad participants often balance academic responsibilities with independent living, international travel, and everyday life in a new country. Insurance should provide reliable healthcare access, strong support services, and comprehensive protection — while helping participants confidently navigate medical care away from home.

Rich Plans

Study abroad participants often require broad healthcare protection throughout their semester abroad.
Plans should provide dependable medical coverage with low out-of-pocket costs and easy access to care.

Easy Access

For many participants, this is their first time navigating a healthcare system independently.Insurance should make it simple to find providers, access treatment, and understand where to seek care.

Network Support

Strong provider networks and telemedicine access help students receive care quickly and efficiently. Guidance and support services are essential throughout the program experience.

Beyond Campus

Study abroad experiences extend beyond academics. Insurance should also support participants during travel, social activities, and everyday life abroad.

Recommended coverage Structure

How a Study Abroad insurance solution can be structured

This sample overview is designed to show the general structure of a possible solution.
Final benefits and included components will be adjusted based on your organization, destination, and participant profile.

Medical Coverage Highlights

  • Overall policy maximum between $500,000 to Unlimited available as per Illness per Injury
  • Deductibles, copayments, and coinsurance designed to stay as low as reasonably possible
  • Emergency Room Care available and education provided as to when it should be used (U.S. programs)
  • Urgent Care, Walk-In Clinic, and Telemedicine options must be affordable, easy to access, and encouraged when appropriate (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 benefit available as optional

Exclusions Options

  • Standard Exclusions, applicable to the population. This requires the ability to customize.
  • Exclusions should be reviewed and adjusted based on the specific program activities and work environment
  • Exclusion for routine preventative should be carefully reviewed and customized if necessary
  • Exclusion for sports and hazardous activities should be carefully reviewed and customized if necessary
  • Exclusion for mental health often needs to be changed to a limited benefit for both out-patient and in-patient
  • Exclusion for pre-existing conditions should be carefully reviewed and customized if necessary
  • Exclusion for STD's or common skin disorders should be carefully reviewed and customized if necessary

Emergency Assistance Services

  • 24/7 Multilingual emergency medical assistance and support
  • Medical Evacuation and Repatriation
  • Repatriation of Mortal Remains
  • Compassionate Emergency Visit (round-trip return home and back in the event of a death or life-threatening condition of an immediate family member)
  • Bedside (Family Reunion) benefit. If a participant is admitted for a certain number of days, a round-trip ticket and meal/lodging benefit for one family member.

Additional Benefits

  • Mental Health & Wellness Program access (crisis care) - only U.S. programs
  • Telemedicine access
  • PPO network providing direct billing for participants hosted in the USA
  • Assistance provided by the claim administrator for participants hosted outside the USA for arranging direct pay arrangements when necessary

Optional Add-ons

  • Liability Coverage
  • Baggage Coverage
  • Telemedicine, Teletherapy, Teledentistry buy-up available - only U.S. programs
  • Online Pharmacy Discount program - only U.S. programs
  • Trip Interruption / Trip Delay / Trip Cancellation
  • Legal Advice
  • Emergency Bail Bond
  • Lost Documents and Emergency Cash Assistance
  • Terrorism Coverage
  • Search & Rescue
  • Political, Security and Natural Disaster Evacuation
  • Kidnap Consultant Fees

Program Support and Access

  • 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

This sample structure is based on our experience with Study Abroad programs. Final coverage, benefits, and limits are always tailored to your specific program requirements, destination, and participant profile, and insurance carrier and claims administrator.

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 specific requirements or just want to explore options — we’re here to help.

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