Health Insurance

Education Abroad's Travel Accident and Sickness Insurance

Every ¶¶ÒõÂÃÐÐÉä participant going abroad is automatically enrolled in Education Abroad's Travel Accident and Sickness insurance, which is a limited accident and health insurance policy. This insurance is mandatory for all participants and varies based on the type of program you go on.Ìý

Most students are also covered under another insurance policy through their on-site provider, host country, or host university. That insurance usually applies first in case of incidents and the Education Abroad insurance serves as a secondary policy.

Key features:

  • The cost of insurance is included in the program fee.
  • Participants will have insurance coverage for the duration of their program based on program dates. If you want to know your exact dates of coverage, contact Education Abroad.
  • TheÌýpolicy covers evacuation and repatriation in case of medical and non-medical emergencies.
  • The policy provides in-person and remote mental health support.
  • The Education Abroad insurance is managed by a third-party administrator that processes claims for the insurance company.
  • This is not a domestic insurance policy and is intended to cover students while they are outside of the United States; therefore this policy is not Affordable Care Act (ACA) compliant.

To use Education Abroad's health insurance, after consulting with on-site staff, ³¦²¹±ô±ôÌý: +1-215-942-8478 (collect calls accepted worldwide) – when calling, reference member ID 11BCAS000006.

International SOS Medical & Travel Assistance Insurance Policy

  • Insurance Policy*

* This policy does not apply to students participating in ¶¶ÒõÂÃÐÐÉä in D.C. programs. For more info on the policy for domestic programs, please reference the ¶¶ÒõÂÃÐÐÉä in D.C.: Health & Safety piece in your My¶¶ÒõÂÃÐÐÉäAbroad checklist.

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Keeping Your Current Health Insurance Coverage

We recommend you maintain Affordable Care Act-compliant health insurance at all times, even during your time out of the country or state, and even while enrolled in Education Abroad's Travel Accident and Sickness Insurance.ÌýYou should contact your insurance provider with any questions about your specific policy. Education Abroad does not sell insurance or in any way guarantee payment of benefits. Do not make any assumptions about your coverage and maintain coverage at all times before, during, and after your program.
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The ¶¶ÒõÂÃÐÐÉä (offered through ¶¶ÒõÂÃÐÐÉä’s Medical Services), unlike many parental policies, will cover illness and/or accidents outside the U.S. at an in-network coverage level. Additionally, the Student Gold Plan has evacuation and repatriation benefits, not typical on parent plans.
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If you choose to continue your Gold ¶¶ÒõÂÃÐÐÉä Student Health Insurance Plan (SHIP), you must speak with the Health & Wellness Student Insurance Department to complete a manual enrollment. Students enrolled in Education Abroad are not automatically enrolled in SHIP, nor does SHIP carry over to a student’s spring account when on education abroad for the spring term. The Student Insurance Department is located in ¶¶ÒõÂÃÐÐÉä Medical Services. For more information about enrolling in SHIP, see ¶¶ÒõÂÃÐÐÉä's Health Insurance page.Ìý

Additional Information

Reimbursement Claims

In the eventÌýyou sought medical treatment abroad for a minor accident or sickness and paid out of pocket for that treatment, please follow the instructions below to seek reimbursement for your claim:

  • Complete yourÌý
  • Save copies of all itemized doctors’ bills and be sure to include proof of payment (receipts)
  • Scan and email everything toÌýGallagher@hsri.com

If you need to leave the program early, you may qualify to use the trip interruption benefit in ¶¶ÒõÂÃÐÐÉä Education Abroad Health Insurance policy.Ìý At the same time, departing a program early can impact the remainder of your insurance coverage.
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Your Education Abroad health insurance coverage will generally end once you return to your home country. Upon return to your home country, a 30-day extension of coverage is available but only applies for follow-up care related to an insurance claim filed while abroad. If you withdraw and return home, but did not maintain your primary health insurance coverage, we recommend that you secure alternate health insurance immediately.ÌýÌýIf you withdraw and remain abroad, we recommend you visitÌýÌýto research possible coverage for the remainder of your stay. If you are considering departing your program early, see our Withdrawing from Your Program page for further considerations.

Injuries resulting for certain activities deemed "extreme" or "hazardous" are excluded from this policy. Examples of hazardous activities include, but are not limited to, surfing, and scuba diving. Refer to the full policy linked above for a full list of hazardous activities as well as other exclusions and limitations of the policy.

While not health insurance, you may also want to consider purchasing Cancel For Any Reason Insurance (CFAR/IFAR).ÌýCFAR insurance can help safeguard an investment in anÌýeducation abroad experience in the event that the program is suspended or you unexpectedly need to withdraw – either before departing or while abroad.

CFAR/IFAR insurance may be purchased independently after you have been accepted into an Education Abroad program. This is not a health insurance plan; you are automatically enrolled in a mandatory international health insurance plan as a part of your program fee.

CFAR/IFAR insurance will cover a percentage of program fees, housing abroad, and flights if your program is canceled or you withdraw from the program for any reason if these fees are not refunded by other parties. CFAR/IFAR insurance will not cover any program fees, housing abroad, or flights refunded through your program or airline as a result of a trip interruption or cancellation. CFAR/IFAR insurance will not cover visa application fees, pre-departure vaccines/other medical exams required by your program.

Before purchasing CFAR/IFAR insurance, make sure you know the following:

  • What is and is not covered by CFAR/IFAR insurance
  • Your airline’s flight cancellation refund policy
  • Your program’s cancellation and refund policies, which are outlined on your
  • The terms of your housing contract, the cost of housing, and when deposits and expenses are owed on your housing while abroad