Editor Review
The Good: Ideal coverage for students from all countries who are traveling outside their home country for educational and/or research purposes. Coverage for up to 12 months (renewable as long as you remain eligible up to age 65).
The Drawbacks: Maximums for spouse and children reduced. Coverage for pre-existing medical conditions limited. Coinsurance and co-pays apply to non U.S. students.
The Bottom Line: Comprehensive major medical coverage and affordable premiums for students traveling overseas. Covers accidents and illnesses, mental illness, physiotherapy, and more just as a typical health insurance plan will. Includes coverage for evacuation, repatriation and other travel medical concerns too.
Coverage
| Benefits | Maximum |
| Medical expenses | $250,000 ($0 – $100 deductible) |
| Emergency dental | $250 (up to $500 maximum) |
| Emergency evacuations | $100,000 |
| Repatriation | $25,000 |
| AD&D | $10,000 |
| 24/7 assistance services | Yes |
* Maximums for spouse and children reduced
Plan Details
This plan is unique in that it provides the following:
- Maternity care treated as any other illness up to plan maximum.
- Inpatient and outpatient treatment for alcohol and drug abuse available.
- Coverage for inpatient and outpatient mental illness treatment available with co-insurance.
- No deductibles or co-pays for U.S. citizens.
- Includes up to $5,000 in emergency medical reunion (to a maximum of 10 days) expense reimbursement.
- Home country coverage for trips up to 30 days (up to $1,000 maximum).
- Easy to find pricing right in the plan summary.
- Access to Well Abroad, an online resource for political, cultural, and medical information, forms, and more, included.
Limitations
The following are the limitations on this plan’s coverage:
- Deductibles and co-pays for prescriptions apply to non U.S. students.
- Coverage for pre-existing medical conditions limited to $500 for U.S. citizens and not available to non U.S. citizens.
- Injuries due to a motor vehicle accident limited to $10,000 for non U.S. students.
- Injuries due to sports limited to $5,000 for non U.S. citizens.