Insurance Questions
For current plan or plans you are considering:
- Does the plan include hospitalization coverage for accidents and illnesses while abroad?
- What is the maximum amount of coverage that is provided?
- Are there deductibles? If so, what are they?
- Will the plan include emergency room expenses?
- What is the coverage for medical evacuation?
- What do you do under the plan if you have to pay cash up front and have no money?
- Does the plan cover visits to the doctor or medication prescribed while abroad?
- What are the procedures for filing a claim, and how long does it take to get reimbursed abroad? In what language(s) must the claim be filed?
- When does the plan begin and end?
- Does the plan assume it is the primary or secondary carrier? If it is the secondary carrier, when does coverage begin?
- Is there a booklet explaining the coverage in detail?
- In the event of death, what is the coverage for repatriation of remains?
For the plan or plans you select:
- What is the process for enrolling in the plan?
- If you find it necessary to use your insurance, what do you show as proof of world-wide coverage?
- If you obtain medical assistance while you're abroad, when and how should you inform the agency?
- What documentation of expenses is required? Does the bill need to be in English and the amount of the charge in U.S. dollars?
This insurance information has been adapted from materials provided courtesy of the University of Minnesota.
