Coverage & Benefits
University policy requires enrollment in university-approved international insurance for all university-related travel. International Safety and Security manages the insurance enrollment process. Consult the International Travel Safety Policy for more information.
Insurance ID Card & Policy Brochure
A copy of the insurance ID card and policy brochure can be found in multiple locations:
- View and download a copy of the insurance ID card from our website.
- View and download a copy of the policy brochure from our website.
- After enrollment, travelers will receive an email from the insurance provider, Gallagher, with all insurance documents. Check your university email inbox for an email from the sender “announcement@gallagherstudent.com.”
- Gallagher also has a website specifically for Illinois users. Visit the Gallagher website for the policy card and other documents.
- While written for students, all travelers can review benefits and assistance information in the International Insurance Student Guide (PDF). All travelers are encouraged to download the mobile guide (PDF) to their smartphone, tablet, or other device before travel.
- Personal travel before, or after, programs is not eligible for coverage by international insurance. Refer to the Leisure Travel Insurance section of Other Insurance Products for personal insurance options.
Benefits
The university-approved international insurance is not comprehensive travel insurance. It is health insurance with security evacuation coverage and very limited travel coverage. Travelers requiring significant cancellation or interruption benefits should augment this policy with additional insurance. Refer to Other Insurance Products for more information.
A detailed description of the university-approved international insurance benefits is on pages 6-11 of the Policy Brochure. Policy benefits are:
Medical Expense Benefits
| Total maximum per covered accident or sickness | $500,000 |
| Maximum for pre-existing conditions | $20,000 |
| Deductible | $0 per covered accident or sickness |
| Co-insurance rate | 100% of the usual and customary charges |
| Incurral period: | 30 days after the date of covered accident or sickness |
| Maximum Period of Coverage | 365 days |
| Dental treatment: injury only | Treated as any other injury |
| Dental treatment: alleviation of pain | $250 per tooth, $500 max |
| Emergency medical treatment of pregnancy | Treated as any other medical condition |
| Room & board charges | Average rate of a semi-private room |
| ICU room & board charges | Two (2) times the average rate of a semi-private room |
| Chiropractic care | $50 per visit, $500 max |
| Mental and nervous disorders: 1. Inpatient 2. Outpatient | $20,000 (40-day maximum) $10,000 (40-visit maximum) |
| Newborn nursery care | $500 |
| Prescription drugs: 1. Inpatient co-insurance 2. Outpatient co-insurance | 100% of covered expenses 100% of covered expenses |
| Therapeutic termination of pregnancy | $500 |
| Emergency medical benefit | Up to $10,000 |
| Trip Interruption | $1,500 each per traveler (limitations apply) |
| Trip Cancellation | $1,000 each per traveler (limitations apply) |
| Chaperone replacement | $1,500 per trip |
| Emergency medical evacuation | 100% of the covered expenses |
| Repatriation of remains | 100% of the covered expenses |
| Emergency reunion benefit 1. Benefit maximum 2. Daily benefit maximum 3. Maximum number of days | $5,000 $250 10 days |
| Home country emergency 1. Benefit maximum 2. Deductible 3. Maximum benefit period | $5,000 $0 30 days |
Personal Property & Financial Instrument Reimbursement Benefit
| Deductible per trip | $50 |
| Personal property 1. Benefit maximum per trip 2. Benefit maximum per item or set of items | $250 $100 |
| Financial instrument 1. Benefit maximum per trip 2. Benefit maximum for cash | $250 $100 |
Security Evacuation Expense Benefit
| Benefit maximum | $100,000 |
| Aggregate limit per occurrence | $1,000,000 |
Accidental Death & Dismemberment Benefits
| Principle sum: 1. Class 1 2. Spouse of class 1 3. Children of class 1 | $20,000 $20,000 $20,000 |
Medical Expense Benefits
The university’s international insurance policy covers the cost of medical care to treat infectious diseases, including COVID-19 and Monkeypox (MPV) as well as cover required quarantine or isolation. Details are available under the first FAQ of the Insurance FAQs page.
| Quarantine Benefit* | $2,000 per traveler, per trip |
* Important note 1: The quarantine benefit will NOT apply to mandatory quarantine upon arrival as a precaution required by the host government. This is a known cost and should be planned for accordingly.
* Important note 2: Reimbursement of quarantine benefits requires an official test with written results. A home test is not sufficient.