Insurance | Global Safety and Support (2024)

What if I Need Medical Treatment Overseas?

Emergency Treatment

Prior to your trip, you should familiarize yourself with the local emergency number (“911 equivalent”) in the locations you are visiting. If you or someone in your group has a life threatening health emergency, you should contact the local emergency number in your particular location. Please contact the 24/7 international assistance hotline +1.857.214.5332 (international collect calls are accepted) to access support services provided by our partners, the Collinson Group and Crisis24, a GardaWorld company. They will also notify the Global Safety and Support Office of your call to provide an added layer of support.

Urgent Care

If you are aware of or have a relationship with an appropriate medical facility in your location, go to that location. If you need assistance locating an appropriate medical provider, contact the Northeastern Global Safety and Support Network for help. If your condition arises during and in the course of the Northeastern sponsored trip, contact the Northeastern Global Safety and Support Network to assist in setting up a Guarantee of Payment at the facility you are visiting. This is widely accepted by most hospitals and clinics. If the provider accepts the Guarantee of Payment, the provider will bill Northeastern for the services. If the provider does not accept the payment, you may need to pay up front for the services and then be reimbursed for eligible expenses. If you need to be reimbursed, please contact insurance@northeastern.edu and our claims team will assist you.

The Northeastern Global Safety and Support Network international assistance hotline can be contacted at: +1.857.214.5332.

Other Medical Care

If you have a chronic condition that requires or may require you to receive care while you are away on an Northeastern sponsored trip, you should work with your medical providers and health insurance company to arrange appropriate services overseas. Although The Northeastern Global Safety and Support Network can be a resource to find physicians to work with you and your providers in the location(s) you are visiting, we recommend that you work through your medical providers to find the appropriate clinicians abroad. You must rely on your personal health insurance for these services.

For medical care that is neither urgent nor emergency or care that is provided outside of the Northeastern program dates or on side-trips outside of the program, you should rely on your personal health insurance. Please work with your personal insurance company to determine your coverage overseas. The examples of travel insurance above may be a resource for you to find coverage if your personal health plan cannot accommodate your need for coverage abroad.

Who Pays for Medical Assistance Overseas?

Your Personal Insurance Coverage

  • All Northeastern travelers traveling overseas are required to have personal health insurance
  • Contact your health insurance company to learn how you are covered for incidents that occur outside of MA and outside the country. Let them know specifically where you will be traveling- including lay-overs
    • NUSHP (Northeastern University Student Health Plan) – Provides some coverage on a reimbursement basis. See your plan for details.http://www.northeastern.edu/nushp617-373-8007NUSHP@northeastern.edu
    • Blue Cross Blue Shield (offered to eligible employees of Northeastern) – Provides some coverage on a reimbursement basis. See your plan or contact BCBSMA member services department at 888.543.8770 for details.
  • Rely on your personal insurance for :
    • Personal side trips, which is defined as leisure activity not directly related to the educational experience of the Northeastern program.
    • Chronic conditions for which you need ongoing care
      • Make arrangements in advance with your treating providers & your health insurance company
    • Non-Emergency, Non Urgent Treatment
    • Elective procedures and treatments
    • Lost/broken glasses, contact lenses, medical devices
    • Travel outside of the official trip/program dates
    • Injuries, illness resulting from activities outside of the program activities

Northeastern Program for Registered Travelers

  • Emergency and Urgent Only
  • Provides coverage for Northeastern employees traveling abroad for injuries occurring in the scope of employment
  • Provides coverage only during official Northeastern trip/program dates
  • No Deductible
  • Meets/exceeds minimum limits required by consulates for visa issuance
  • If you have eligible out of pocket expenses that need to be reimbursed, please contactinsurance@northeastern.edufor assistance in processing your claim.

Note: if the Northeastern program responds to an accident or illness that is deemed to be outside of the program or not an emergency/urgent condition – the traveler may be billed back for the services and costs.

Travelers who have additional questions can consult with your program or university risk services via insurance@northeastern.edu.

Who do I contact if I have questions about international insurance?

The university’s Office of Risk Services can answer your questions. The best way to contact the office is to emailinsurance@northeastern.eduor view thiswebsitefor additional contact information.

I’m starting a co-op abroad. If I’m injured on the job, does Northeastern’s insurance cover me?

Injuries that occur on the job are the responsibility of the employer. In the U.S., we have workers compensation that will pay your related medical expenses and lost time for injuries that happen in the course and scope of your employment. Other countries have similar type programs. They vary by country and in many cases, as in the U.S., they also vary by state or province. Before you accept a co-op position, you should confirm with your employer that they are covering you for work related injuries. If you have any questions or cannot get confirmation, please see your co-op advisor for assistance.

If I drive a car while I’m overseas, am I covered by the university’s insurance?

No. The university does not provide insurance coverage for students renting or driving vehicles abroad. This includes cars, vespas, motor scooters, motorcycles, and other types of powered vehicles. You must have your own personal insurance for liability purposes if you plan to rent or drive a vehicle while abroad. You are also responsible for any medical costs incurred as a result of you driving a vehicle overseas. The university’s program does not provide this coverage.

Special Notes for Co-op Students:
If you are on a co-op abroad and your employer requires you to drive on business, you should ask your employer to confirm that you are covered under their insurance. See your co-op advisor if you have any questions or cannot get confirmation.

Do I need to have personal health insurance while I am in another country?

Yes. The University provides coverage for accidents (including repatriation) that occur while you are away on a university-sponsored program or work-related activity, but does not cover you for routine sickness or medical needs while you are out of the country.

ThePolicy on International Travelrequires “All students undertaking University-sponsored International Travel must possess personal health insurance that meets minimum standards as prescribed by the university.” Personal health insurance coverage varies by vendor and type. Therefore, all travelers should call their insurance company and ask about coverage in the destination countries. The U.S. Department of Statesuggests some questions to ask your insurer, including:

  • Does my plan cover emergency expenses abroad such as returning me to the United States for treatment if I become seriously ill?
  • Do you require pre-authorizations or second opinions before emergency treatment can begin?
  • Do you guarantee medical payments abroad?

The university recommends travelers ask how the billing and payment for any services provided overseas will be handled and what paperwork you may need to make a claim. Travelers should request a full summary of benefits out of country.

If you have questions about university provided travel insurance, please email Risk Services atinsurance@northeastern.edu

Insurance | Global Safety and Support (2024)

FAQs

Can I use travel insurance in my home country? ›

Some travel medical insurance plans don't provide any incidental home country coverage at all. Others may provide a reduced medical policy maximum for treatment needed during an incidental home country visit. In any case, you must not be traveling to your home country to receive treatment.

What does travel insurance cover me for? ›

Travel insurance can protect you against the following things going wrong: cancelling or cutting short your trip for reasons beyond your control. missed transport or delayed departure for reasons beyond your control. medical and other emergencies.

What's the best travel insurance? ›

The Best Travel Insurance of 2024
  • Seven Corners Travel Insurance: Best for visitors to the USA.
  • AIG Travel Guard: Best for families.
  • Trawick International: Best for student travel insurance.
  • Generali Global Assistance: Best for trip interruption coverage.
  • Travel Insured International: Best for evacuation coverage.
Aug 21, 2024

What does international travel insurance cover? ›

The main categories of travel insurance include trip cancellation or interruption coverage, baggage and personal effects coverage, rental property and rental car coverage, medical coverage, and accidental death coverage.

How much medical coverage do I need for international travel? ›

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

Does Medicare cover you out of the country? ›

In most situations, Medicare won't pay for health care or supplies you get outside the U.S. The term “outside the U.S.” means anywhere other than the 50 states of the U.S., the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands.

What reasons are not covered by traveler's insurance? ›

What Does Travel Insurance NOT cover?
  • Reasonably foreseeable events.
  • Known storms, epidemics, acts of war.
  • Travel restrictions imposed by government authorities.
  • Pre-existing conditions, unless the Premium plan is bought within the window for coverage.
  • Dangerous activities.

Does travel insurance cover flight cancellation due to illness? ›

Travel insurance can provide cover if you need to cancel your flight. This means that if you have to cancel your flight or your holiday for an insured reason such as illness, redundancy or your home becoming uninhabitable you can make a claim on your travel insurance to recoup the cost.

Does travel insurance cover flight cancellation? ›

Does travel insurance cover cancelled or missed flights? Your travel insurer may cover you if your flight was cancelled and the airline company doesn't or can't reschedule your flight. Your insurer may also cover you if the airline company doesn't reimburse you as a result, or only reimburses part of your expenses.

Which company is best for international travel insurance? ›

Best Travel Insurance Plans In India 2024
  • Featured Partner.
  • Best Travel Insurance Plans In 2024.
  • Care Insurance International Travel Insurance.
  • Tata AIG Travel Guard.
  • Universal Sompo Travel Worldwide.
  • Bajaj Allianz Bharat Bhraman Insurance Policy.
  • Reliance Travel Care Policy - Senior Citizens.

What is the best travel company to go with? ›

10 of the best group travel companies
  • Intrepid Travel. Founded in 1989, ...
  • Exodus Travels. With 45 years of experience, ...
  • MT Sobek. MT Sobek. ...
  • Contiki. Contiki. ...
  • For the Love of Travel (FTLO) For the Love of Travel (FTLO) ...
  • Globus. Globus. ...
  • EF Go Ahead Tours. EF Go Ahead Tours. ...
  • Classic Journeys. Classic Journeys.

How much does travel insurance typically cost? ›

According to our research, the average cost of travel insurance is $204, but you could pay anywhere between $14 and $765 for travel insurance. Solo travelers can expect to pay around $60-$100 for coverage. Travel insurance provides a range of protection before and during your trip.

Which health insurance is best for international travel? ›

CompanyAverage Plan CostBest Medical Insurance Plan
Our Top Pick Faye EXPLORE PLANS$256Travel Insurance Plan
International Medical Group EXPLORE PLANS$224iTravelInsured Travel LX Basic
Geoblue EXPLORE PLANS$42Voyager Choice
AIG Travel Guard EXPLORE PLANS$237Deluxe
2 more rows
Aug 23, 2024

Do I need travel insurance if I have health insurance? ›

Generally, most domestic health insurance policies are not accepted abroad, so there is a benefit to purchasing travel medical insurance as a supplement to your health insurance coverage. The travel medical coverage is only valid while you're traveling.

What happens if you have a medical emergency abroad? ›

The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

Travel Insurance: Is It Worth It? - The New York ...The New York Timeshttps://www.nytimes.com ›

When the tour was canceled, Ms. Tow filed a claim with her insurer, and discovered, like so many other travelers, that travel insurance doesn't cover cancel...
Comprehensive travel health insurance for world residents, get free online quote and cover for multi trip annual international travel medical insurance now.
We recommend Travel Insured's Worldwide Trip Protector policy because it offers robust benefits at the lowest average price among top-rated plans we analyze...

Can my insurance cover me in another country? ›

Generally, most domestic health insurance policies are not accepted abroad, so there is a benefit to purchasing travel medical insurance as a supplement to your health insurance coverage. The travel medical coverage is only valid while you're traveling.

Can I use my health insurance in another country? ›

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

Does travel insurance cover every country? ›

In short, yes. It is possible to cover multiple destinations under a single-trip travel insurance policy as long as you visit each location within the duration of your policy.

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