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International Insurance

The office of International Studies requires students to have both International and US insurance policies during their time abroad. Students are responsible for knowing if their study abroad program covers international health insurance or not. If not, student is responsible for researching and selecting insurance most appropriate for them. In some situations, the faculty in-change will tell students which insurance to purchase.
 
In all cases it is the student’s responsibility to learn about his/her coverage and how the process works if s/he needs to seek any type of medical attention. Student also needs to inform him/herself of financial aspect of insurance coverage, including but limited to, reimbursement policy and immediate out-of-pocket expenses.
 
International Coverage must meet Federal and State mandates and includes provision that cover Sickness/Injury, Medical Evacuation, Accidental Death & Dismemberment, and Repatriation of Remains. All of these factors are usually covered in the basic insurance plans for most companies. 
 
Students can opt to increase their insurance to include natural disaster and political unrest evacuations. It is also recommended that students have basic travel insurance, in case there are any disruptions in their trip. Some of the health insurance companies will cover travel issues as well.  Also, International ID cards tend to have travel guards to protect students.

 
Students with MSU Denver (Auraria Health Center) coverage
Travel Assistance through United Healthcare Global provides the insured student with access to doctors, hospitals and pharmacies when faced with a travel or medical emergency while traveling 100 miles or more from his/her permanent residence or abroad. The program also provides emergency security and natural disaster assistance services when you are outside of your home country. Click on the links below for more information about United Healthcare Global.
 
Students with outside insurance coverage
First, students should check with their current health care providers to see what they offer for international coverage. If student’s home insurance does not provide for the aforementioned, then they need to purchase supplemental international coverage.  
 
What to Ask Your Insurance Company About Coverage Abroad
  • Does this insurance policy cover emergency expenses abroad such as returning me to the United States for treatment if I become seriously ill?
  • Does this insurance cover high-risk activities such as parasailing, mountain climbing, scuba diving and off-roading?
  • Does this policy cover pre-existing conditions?
  • Does the insurance company require pre-authorizations or second opinions before emergency treatment can begin?
  • Does the insurance company guarantee medical payments abroad?
  • Will the insurance company pay foreign hospitals and foreign doctors directly?
  • Does the insurance company have a 24-hour physician-backed support center?  

 
Travel Insurance vs. Travel Medical Insurance – There’s a Difference
Travel Insurance insures your financial investment in your trip. Typically it covers such things as the cost of lost baggage and canceled flights, but it may or may not cover costs of medical attention you may need while abroad. Travel Medical Insurance covers costs of medical attention you may need while abroad. 

 
To purchase supplemental international health insurance, you can find a list of insurance companies through the Department of State here