Insurance FAQs

Procuring visas is the responsibility of the traveler. If the country requires proof of insurance, the Student Verification Letter received in your Insurance Welcome Package can be used to prove insurance coverage. General information about passports and visas is available on the Illinois Abroad and Global Exchange website.

When traveling abroad, healthcare providers may require payment before treatment. Payment is the responsibility of the traveler. Payment may be made in cash, credit card, or as a guarantee of payment (GOP) from the International Insurance. To secure a Guarantee of Payment you must contact the International Insurance and ask for assistance in the form of a GOP. Please note that some remote locations may not accept a GOP. If a GOP is not accepted, the traveler must pay for medical care up front and seek financial reimbursement later. For the more information on how to seek reimbursement, please visit the Claims for Reimbursement page.

Some education abroad programs may require that students have their program-specific insurance, plus national health insurance. By University policy, students must also purchase the University-approved International Insurance. There is no exception to opt out of the University-approved International Insurance. The University recognizes the financial implication of having multiple coverages, but each organization has identified their own insurance requirements that must be upheld. Additionally, for us to assist travelers, we must know the policy coverages, exclusions, and how to access the insurance. We do not have that information for partner program insurance. If multiple insurance policies are required, these costs should be reflected in your program budget.

University property is automatically insured, but with a $500,000 deductible. This insurance should not be relied upon for traveling computers due to the high deductible.

The University offers a Computer Insurance Plan that can cover computers and other electronic equipment. This coverage is not automatic. Colleges, Departments, or units must contact Risk Management if they want to participate in this plan. Visit the Risk Management website for more information.

When traveling abroad, it is important to know whether your medications and supplements are allowed and available in your destination country. Not all medications and supplements that are legal in the U.S. are legal abroad. Please consider the following tips for carrying medication abroad:

  • Call International Insurance to check on the legality of the medications in your country of destination.
  • If you require large amounts of a medication due to the length of your travel abroad, please contact International Insurance. They can assist in determining how much of a medication you can legally bring into a country, and also help you arrange refills of your medication once in country.

When traveling abroad it is always a smart idea to consider the medications and supplements you take. Not all medications and supplements that are legal in the U.S. are legal in other countries. Please consider the following tips for carrying medication abroad:

  • Make sure to always carry medication in its original packaging in your carry-on baggage with a written prescription from your doctor if it is prescribed.
  • Call International Insurance to check on the legality of the medications in your country of destination.
  • If you require large amounts of a medication due to the length of your travel abroad, please contact International Insurance. They can assist in determining how much of a medication you can legally bring into a country, and also help you arrange refills of your medication once in country.

Travelers abroad must maintain their U.S.-based medical insurance during their time abroad. This ensures that travelers have medical insurance should they need to return to the U.S. unexpectedly.

You must maintain your U.S.-based coverage while abroad. However, it can be any policy approved by the Office of Student Health Insurance. The International Insurance is separate from the Student Health Insurance Plan (SHIP) and therefore, opting out of SHIP will not interfere with traveler enrollment in the International Insurance.

  • International students are required to purchase the University-approved International Insurance if participating in education abroad, even if they are returning to their home country.
  • International students who have paid for care upfront or with their own money in their home country must use their permanent U.S. address when filing a Claim for Reimbursement or it will be denied due to policy exclusions and limitations.
  • The dates of Coverage for your International Insurance can be found in the document titled “Verification Letter.” This document can be located in your enrollment e-mail from the Insurance Provider as an attachment.
  • If there is a discrepancy between the Verification Letter and the program dates, please contact us.
  • The reason for the extension must be associated with an education abroad or University-related requirement. The extension cannot be for personal or leisure travel. If you would like to extend the coverage dates for your International Insurance, please e-mail International Safety and Security. In your e-mail please include your Name, UIN, Original Travel Dates, New Travel Dates, and reason for the date change.

Arthur J. Gallagher provides 24/7 travel assistance services. When calling please be ready to provide the following information:

  • Name of Caller;
  • Relationship to Insured Person;
  • Insured’s name, age, sex, and policy number (GLM N10893392);
  • If medical, provide name, location, and telephone number of the hospital;
  • If non- medical, provide the reason you are calling.
  • You can contact Arthur J. Gallagher by phone or e-mail.