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Travel Medical Insurance and Evacuation Coverage

Participants in any University-approved or - sponsored international education travel experience, whether credit-bearing or non-credit-bearing, are required to purchase Travel Medical Insurance through the International Center (UKIC). UKIC may grant exceptions in cases when participants have existing coverage that meets the minimum standards of the University or are participating in external programs that offer uniform coverage that meets the minimum standards of the University. No exceptions are granted to participants of international group travel experiences.

Students, faculty, staff, or non-University individuals who provide patient care in clinical international programs sponsored by the University of Kentucky, whether credit-bearing or non-credit bearing, shall also provide evidence of malpractice insurance that meets or exceeds the University coverage.

Questions and concerns should be directed to Education Abroad at educationabroad@uky.edu or 859-257-4067.

Information for Participants Departing ON or AFTER August 1, 2015:

AXA Assistance in coordination with Mercer - Travel Medical Insurance

UK Education Abroad travel medical insurance for participants departing on or after August 1, 2015 is provided by AXA Assistance in Coordination with Mercer. Participants departing before August 1, 2015 should refer to the information in the paragraphs below, as their insurance will be provided by HTH Worldwide. Please note that students on certain partner programs may be covered by their partner provider's insurance plan, rather than UK's. Scroll down to the "waivers" section of this page to see if your partner program is exempt from UK's insurance. If you have additional questions about which coverage you will carry, contact educationabroad@uky.edu.

Travel Medical Insurance (TMI) is purchased on behalf of each participant by UK Education Abroad for the duration of the international program, and the cost is billed to participants via UK billing services. Program participants not enrolled at UK are requested to pay with a bank check made payable to the University of Kentucky. The cost of enrollment is $10.50/week (billed in weekly increments to the participant's student account). Cost is subject to change on policy renewals in August of each year.

Participants will have coverage for the duration of their international program, and for a total of 14 days immediately adjacent to their program dates, in the event that they wish to travel before or after their program. Participants who wish to have coverage beyond this 14 day window are strongly encouraged to purchase an independent international travel medical insurance and evacuation policy for any additional time abroad.

A full summary of benefits under UK's International Insurance Plan can be found at this link.

To access insurance benefits from overseas, participants should call AXA Assistance's direct number, at 1-312-935-3542. Their line is staffed at all times. Resources may also be accessed by e-mailing medassist-usa@axa-assistance.us. Before departure, participants should carefully review this document, which outlines the information that should be prepared before calling.

In the event of an emergency when participants are unable to contact AXA Assistance before seeking treatment, the Medical Claim Form should be used to file claims for reimbursement with the insurance company. To file a claim under the University's trip cancellation or interruption benefit, a different form should be submitted. Step by step instructions on the claims filing process can be found in this document.

Political Security and Natural Disaster Evacuation Services

In the event of a natural or political disaster in your host country, all participants covered by UK's insurance are eligible for evacuation service. Other UK students may be eligible for evacuation coverage provided by their partner program. The evacuation service will coordinate and pay to evacuate you to the nearest place of safety, or to the U.S. If you have a security concern or require evacuation, seek shelter as soon as possible and call AXA Assistance at 1-312-935-3542. Then call the UK Police Department at 1-859-257-8573. The UK Police Department will relay your information to the appropriate authorities on campus.

Information for Participants Departing BEFORE August 1, 2015:

HTH Worldwide - Travel Medical Insurance

UK Education Abroad travel medical insurance for participants departing before August 1, 2015 is provided by HTH Worldwide. Participants departing on or after August 1, 2015 should refer to the information in the above paragraphs, as their insurance will be provided by AXA Assistance in Coordination with Mercer.

Travel Medical Insurance (TMI) is purchased on behalf of each participant by UK Education Abroad for the duration of the international program, and the cost is billed to participants via UK billing services. Program participants not enrolled at UK are requested to pay with a bank check made payable to the University of Kentucky. The cost of enrollment is $10.50/week (billed in weekly increments to the participant's student account). Cost is subject to change on policy renewals in August of each year.

Students will be enrolled only for the duration of their international program. Students who wish to have coverage before or after their official program dates for additional independent travel may enroll themselves at UK's coverage rate via this link.

Once enrolled, an automated email is generated by HTH Worldwide that contains an insurance card along with instructions on how to register on HTH's website. Each participant will need to register with HTH online in order to have access to the entire HTH website with information on English-speaking doctors around the world, translations of medication names, travel health information and much more. Participants should refer to the 2014-15 HTH Worldwide Safety Services Brochure and DRUM Summary for more information.

DRUM - Political Security and Natural Disaster Evacuation Services

Participants enrolled in HTH Worldwide are also enrolled in DRUM Politcal Security and Natural Disaster Evacuation Sevice.

Should a Covered Event occur, DRUM will arrange and pay for your evacuation while you are on a Covered Journey outside the United States at the time of the Covered Event to the nearest place of safety or your Country of Residence.

If you are in imminent peril, DRUM will arrange and pay for your emergency evacuation by any appropriate means consistent under the circumstances with your health and safety. Otherwise, DRUM will arrange transportation only at economy fares unless unavailable or manifestly impractical. Services during the evacuation may also include arrangement of food, lodging and other reasonable expenses required during the evacuation.

Waivers

UKIC may grant waivers to the Travel Medical Insurance/On Call requirement in cases when participants have existing coverage that meets the minimum standards of the University or are participating in external programs that offer uniform coverage that meets the minimum standards of the University. No exceptions are granted to participants of international group travel experiences.

The minimum coverage requirements are as follows:

  • $200,000 Benefit for Injury or Sickness

  • $50,000 Benefit for Medical Evacuations

  • $20,000 Benefit for Repatriation of Remains

  • $7,500 Benefit for Accidental Death and Dismemberment

If travel medical insurance is provided by a personal insurance carrier, it must meet UK's minimum coverage requirements in all four categories. If the participant has verified that the personal insurance carrier meets all four minimum coverage requirements, the participant may then submit a Travel Medical Insurance Verification Form to UK Education Abroad for review.

The UK Student Health Insurance Plan has been approved as meeting the minimum requirements for Education Abroad Travel Medical Insurance. Students must provide proof of coverage during their travel dates. This waiver does not extend to participants on group international travel experiences.

Some UK Partner, UK Consortia and UK Exchange programs include travel medical insurance coverage that meets the minimum standards. The following program providers have been pre-approved and therefore, participants on these programs will not be enrolled in the Travel Medical Insurance/On Call coverage via UK unless the student wishes to extend their insurance coverage beyond the program’s start and end dates:

  • Academic Programs International (API)
  • American Council
  • Arcadia University
  • Cooperative Center for Study Abroad (CCSA)
  • Cultural Experiences Abroad (CEA)
  • CET Academic Programs (CET)
  • Council for International Educational Exchange (CIEE)
  • Danish Institute for Study Abroad (DIS)
  • IES Abroad
  • Institute for Study Abroad at Butler University (IFSA-Butler)
  • International Studies Abroad (ISA)
  • International Student Exchange Program (ISEP)
  • Kentucky Institute for International Studies (KIIS)
  • London Law Consortium
  • School for Russian and Asian Studies (SRAS)
  • SIT Study Abroad
  • Study Abroad Italy (SAI)
  • The Education Abroad Network (TEAN) - TEAN programs in Australia and New Zealand are NOT exempt from purchasing UKEA travel medical insurance

Trip Insurance

In the past, some participants have chosen to purchase trip cancellation insurance. Please note that if you are departing on or after August 1, 2015, such insurance is included in your plan. Here are a few helpful resources regarding such coverage to help you get started, though none are endorsed or sponsored by UK:

Personal Property Insurance

Haylor, Freyer & Coon, Inc. offers affordable personal property insurance coverage during your education abroad program. Personal property includes your cell phone, computer, books, musical instrument, clothes, etc. Please visit the "Personal Property" link on their website for further information.