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Proper insurance coverage helps ensure that you'll be covered in the event of a travel emergency. That is why ÎÄÐù̽»¨ is proud to offer all students, faculty, staff, and select ÎÄÐù̽»¨ guests international travel, coverage under one comprehensive accident, sickness, and emergency care insurance plan at no cost to them, with no need to enroll. Highlights of the plan are $0 deductible, no out-of-pocket expenses, emergency evacuation, and travel insurance benefits such as lost luggage and trip interruption. This plan works in tandem with our Travel Assistance partner, Crisis24, so there's only one number to remember for insurance and assistance. All assistance services and insurance benefits are initiated by calling our Travel Assistance partner at +1 443-569-8601.

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• Who is eligible for coverage?

  All Students, Staff, Faculty, University Officials, Board Members, and approved guests, who are traveling outside their permanent country of residence, on a university-sponsored trip AND who have registered their travel. The policy also covers spouses (including domestic partners, life partners) and dependent children under age 26 of covered members stated above. Note that there are lower levels of coverage for dependents.

• What are the highlights of the plan?
  • Coverage for up to 365 consecutive days of travel abroad
  • Out-of-country medical for injury or sickness: $500,000
    • Physician OfficeÌýVisits
    • Hospitalizations
    • DiagnosticÌýTests
    • AmbulanceÌýServices
    • PrescriptionÌýDrugs
    • Mental Health
  • Deductible: $0
  • Dental (injury or alleviation of pain on sound, natural teeth only): $20,000
  • Security, or natural disasterÌýevacuation: $500,000
  • Emergency medical evacuation: 100% of expenses incurred
  • Repatriation of remains: 100% of actual expenses incurred
  • Baggage delay: $2,500 per trip after 72-hour delay
  • Trip Interruption: $2,000
    • To be used if someone cannot continue on their covered trip that has already started. There are specific reasons for this, such as the death of a close relative back home, issues at the host site that make it difficult to continue (death of host, fire, or burglary at residence, etc.)
  • Trip Delay: $2,000
    • To be used if a trip is delayed for more than 24 hours for reasonable, additional accommodations and traveling expenses until travel becomes possible. Incurred expenses must be accompanied by receipts. Typical reasons are carrier delay, lost passport, natural disaster, civil disorder.Ìý
  • 14-day total sojourn (personal) travel before or after registered, official ÎÄÐù̽»¨-travel
  • Coverage of dependents traveling with a ÎÄÐù̽»¨-traveler on ÎÄÐù̽»¨-travel
  • Pre-existing conditions that result in injury or illness while abroad.
  • Coordination with Crisis24 who provides medical referrals, medical monitoring, claims filing, etc.

  *Note: some of benefits (e.g., Baggage delay, trip delay, trip interruption) are paid on a reimbursable basis and subject to certain conditions.

• How do I use the plan if needed?

  Just call Crisis24 at +1 443-569-8601. They can provide you with a medical referral and then monitor the progress while working directly with the treating facility to manage all billing and claims.

• Does this plan cover routine care?

  No. This plan covers urgent and emergent incidents that occur while on ÎÄÐù̽»¨-travel. These occur suddenly and unexpectedly during travel abroad. However, that can be anything from an upset stomach after eating new foods to hospitalization after a vehicle accident. The injury or illness must occur while on ÎÄÐù̽»¨-travel or within 14 days immediately before or after.

• Are there some types of illness or injury that are not covered?

  The following exclusions apply to both the Travel Assistance plan and insurance policy. This is only a general overview. The specific policy terms and applicable law – not this overview – apply to any particular incident. If you are injured or need assistance while engaging in any of the following activities while traveling abroad, you will not be entitled to benefits under the Travel Assistance and Insurance resources offered by ÎÄÐù̽»¨:

  • Participation in a riot or insurrection.
  • Regular health checkups.
  • Travel in or upon:
    • ÌýA water jet ski;
    • Any two or three-wheeled motor vehicle, other than a motorcycle, registered for on-road travel
    • Any off-road motorized vehicle not requiring licensing as a motor vehicle, when used for recreation or competition
  • Travel or flight in or on any vehicle for aerial navigation, including boarding or alighting from:
    • While riding as a passenger in any Aircraft not intended or licensed for the transportation of passengers; or
    • While being used for any test or experimental purpose; or
    • While piloting, operating, learning to operate or serving as a member of the crew thereof; or
    • While traveling in any such Aircraft or device which is owned or leased by or on behalf of the Participating Organization of any subsidiary or affiliate of the Participating Organization, or by the Covered Person or any member of Their household.
    • A spacecraft or any craft designed for navigation above or beyond the earth’s atmosphere; or
    • an ultralight hang-gliding, parachuting, or bungee-cord jumping
    • Except as a fare-paying passenger on a regularly scheduled commercial airline or as a passenger in a non-scheduled, private Aircraft used for business or pleasure purposes.
  • Practice or play in any amateur, club sport, Intercollegiate, Interscholastic, Intramural School activity or professional sports contest or competition (e.g., not a pick-up game).

• Does this policy cover personal property?

  Traveler personal property is not covered by University insurance. Travelers should ensure that homeowners or renter’s insurance covers personal property, or purchase additional coverage appropriate to their needs and location. In addition, there is always the potential of a claim that is not covered by University insurance that could create personal exposure for a traveler – for instance, activities outside the scope of duties as a University employee, violation of University policies and willful acts and crimes. A personal homeowners and umbrella liability policy can often provide protection when involved with non-University activities. Travelers should contact their personal insurer for specific details.

• May I waive my domestic insurance required to attend ÎÄÐù̽»¨?

  No. You must maintain your ACA compliant domestic insurance plan as required for attendance at ÎÄÐù̽»¨. This travel medical plan is not ACA compliant as a short-term travel plan which does not provide for domestic coverage.

• When is emergency evacuation triggered?

  An emergency political/security/natural disaster evacuation may be triggered when a traveler is in imminent danger. Insured evacuation decisions are made at the discretion of our Travel Assistance partner, in consultation with the insurance provider, interested governments, ÎÄÐù̽»¨, and the traveler. Simply wanting to leave because a traveler feels unsafe is not a covered evacuation.

  A medical evacuation is triggered when a traveler is injured or ill and cannot receive the care they need at their current location. This must be designated medically necessary and includes transportation to the nearest facility capable of providing adequate care, not necessarily back to the U.S.

For a comprehensive list of FAQs, please see this document:Ìý

International Travel Insurance and Travel Assistance partner FAQs

For a summary of the policy, please see this document:

Everest Policy Summary