You must be covered by comprehensive health and accident insurance while you participate on our program. You may also want to consider purchasing property insurance for valuable items, like laptops. It is your responsibility to make sure your policy covers claims outside the United States. Your policy must be in effect for the entire period you are overseas.
You must be covered by comprehensive health and accident insurance for the duration of your program overseas. In many cases, you will be required to provide proof of insurance in order to receive a student visa or residency permit. We recommend that you review the following issues with your parents and with your parents¿ insurance provider or enroll in an insurance plan designed for Americans living or traveling overseas.
Health care is just as expensive overseas as it is in the United States, so make sure you have that same amount of coverage protection abroad as you would in the United States. Your health insurance must provide full and comprehensive health and accident coverage while you are outside the United States.
If you are not insured under a family policy or a campus policy that provides for overseas protection, you should enroll in an insurance plan designed for Americans living overseas. Students may contact our authorized insurance agent, Haylor, Freyer & Coon (click on "Study Abroad Programs" in the left hand column), call them at 1-800-289-1501, or check out other insurance providers' plans available for students studying abroad.
If you have pre-existing conditions that short-term policies will not cover, such as asthma or diabetes, it may be possible to add a rider for overseas protection to your parents¿ policy. Check your parents¿ health insurance policy.
The International Student ID Card (ISIC), supplied to you by SU Abroad, provides life insurance coverage, some supplemental accident coverage, and medical evacuation. This coverage is not sufficient by itself, and you will need to carry additional coverage during your sojourn abroad. The cost of the ISIC card is included in your program fee. Visit the ISIC web site for more information.
Carry a wallet-size ID card with your name, insurance company and policy number with you. If possible, obtain a list of your company¿s agents abroad, and carry one or two claim forms with you. Make sure you know how to make a claim from abroad.
You should be aware that insurance providers generally require that you pay your medical bills yourself at the time of treatment and submit a claim for reimbursement. To make a claim from overseas, subscribers should realize that:
In order to gain the maximum benefits from your insurance:
Since many hospitals and clinics abroad do not bill your insurance company. They require payment in cash at the time of treatment. In case of emergency, you should have access to a credit card or an ATM card in order to pay for your treatment. If you are suddenly confronted with a medical emergency overseas, our overseas centers can give you an emergency loan. In all cases, you should obtain a receipt for the medical services performed and for the amount paid.
Many students bring valuable equipment such as laptop computers and cameras overseas. To protect your possessions against fire, theft, and vandalism, you may want to consult your parents¿ homeowners insurance. You may already be covered under their plans. However, in some cases you may want to consider purchasing short-term, personal property insurance designed for students living or traveling overseas. Please consult your insurance provider or contact Haylor, Freyer & Coon (click on "Personal Property" in the left hand column), or call them at 1-800-289-1501.
If you are interested in Trip Cancellation Insurance, many companies offer special packages that cover lost or delayed baggage, flight cancellation or delay, and other potential circumstances relating to overseas travel. Please consult your insurance provider or contact Haylor, Freyer & Coon (click on "Study Abroad Programs" in the left hand column), or call them at 1-800-289-1501.