Insurance Abroad

Insurance

It is extremely important that you have adequate insurance while you are studying or interning overseas.  Therefore, GlobaLinks Learning Abroad includes comprehensive international health insurance for all Semester/Year Abroad, Internship, and Short Course programs. These are included in the program fees for the Semester/Year Abroad, Internship, and Short Course programs and is mandatory for each program participant. 

The comprehensive international health insurance coverage is optional for students participating on our Degree and EuroScholars programs.  

 International Health Insurance

This information is applicable for the following GlobaLinks Learning Abroad Programs:

  • Semester or Year Abroad Programs

  • Summer and January Short Course Programs

  • Internship Programs

This policy is optional for the following GlobaLinks Learning Abroad Programs:

Summer 2014 and Short Course 2014 programs are covered by HTH (October 1, 2013 - September 30, 2014): Click here to review the HTH Worldwide policy pamphlet information.  The certificate can be located here.

-Fall 2014 programs in Australia, New Zealand and Fiji are covered by HTH: Click here to review the HTH Worldwide policy pamphlet information. The certificate can be located here.

- Fall 2014 programs in countries outside of Australia, New Zealand and Fiji will be covered by ISA's policy through ACE American Insurance Company: Click here to review the description of coverage.

-Effective January 2014, all programs will be covered by ISA's policy through ACE American Insurance Company: Click here to review the description of coverage.

Additional Health Coverage for Semester/Year Abroad and Degree Programs in Australia and New Zealand

Students attending Semester/Year Abroad and Degree Programs in Australia and New Zealand will also be covered under a specific national health plan. These policies are commonly referred to as Overseas Student Health Coverage or OSHC. 

These policies typically exclude mental illness, dental and vision coverage or pre-existing conditions, and do not cover health needs when traveling to other countries. This federally mandated coverage is major medical insurance within your host country. For additional information, please review the links following:

International Student Identity Card (Basic ISIC Insurance)

For more information on the ISIC and a list of companies that provide discounts to students with an ISIC card, please see www.myisic.com/MyISIC/  

Recommended Additional Insurance

Insuring Personal Property

If you are going to be traveling with expensive electronic equipment, such as a laptop or digital camera, you should insure them against theft. It is also recmmended that you take the original receipt for purchase of your laptop. It is not recommended that you mail the laptop to your study abroad site as there may be difficulties retrieving it from customs without hefty duty charges. Your family homeowner’s insurance may cover your personal belongings, it is a good idea to review your current homeowner’s coverage before departure or you could consider the insurance available through the equipment manufacturer.

Travel Insurance

Have you considered travel insurance? While travel insurance may be one of the last things you consider in your preparations, it is one of the most important aspects of planning and protecting yourself while abroad. We hope that everything will go smoothly with your travel plans, however, unexpected interruptions can occur including flight delays or cancellations due to weather, natural disasters, and other unforeseen circumstances.  If this should occur, GlobaLinks Learning Abroad, STA Travel, and/or the host institutions are not responsible for additional costs that may be incurred. Therefore, it is highly recommend that you investigate your travel insurance opportunities.  One recommended option is the worldwide international travel insurance through the Travel Protection policy offered by STA Travel. Some of the inclusions of this Travel Protection policy are trip cancellation, trip interruption, trip delay, and baggage and personal effects protection.

We encourage you to contact STA Travel directly to ask further questions and to book your travel insurance:

Semester/Short Term Programs in Australia, New Zealand, or Fiji: 1-888-457-2509

Semester/Short Term Programs in Asia: 1-800-214-6461

Semester/Short Term Programs in Europe: 1-800-214-6459

Internship Programs Worldwide: 1-800-535-0936  

Or email: globalinksabroad@statravel.com

 

To download the new ISIC iPhone and iPad app to help you find deals on accomodation, transportation, activities, and more while you travel please visit http://itunes.apple.com/us/app/isicbenefits/id417705974?mt=8.

Maintaining Primary Health Insurance Coverage

We recommend that you still maintain your current primary health insurance while abroad. This is particularly important if you have any pre-existing conditions, but is also beneficial if you have an injury or illness while abroad and require further treatment upon your return home.

You should consult with your current insurance provider to confirm coverage policies while traveling abroad. Policies will vary from company to company and you will want to have all of the information before your departure to make the most educated decision about purchasing additional health coverage.