Travelers should review the following questions to determine their own insurance needs. Travelers who have additional questions can consult with your program or university risk services via email@example.com.
Do I Need Health Insurance?
Yes! All travelers are required to have their own health insurance when participating on Northeastern sponsored trips overseas. Travelers are urged to contact their health insurance provider in advance of departure to better understand how their particular insurance plan responds overseas. Many insurance plans (including NUSHP) provide coverage on a reimbursement basis meaning that the traveler pays out of pocket then files a claim for reimbursement with the insurance company upon return. Travelers should be prepared to pay for their medical care while overseas including deductibles on their respective health insurance plans.
Does the University Provide any Coverage for Me While I am Overseas?
NU maintains a comprehensive program to respond to costs associated with accidents andemergency/urgent* illnesses that arise during and in the course of NU sponsored trips. This is not health insurance. The university program also provides repatriation and emergency evacuation for circumstances that arise during and in the course of NU sponsored trips. The university program exceeds minimum limits required by overseas consulates and has no deductible.
Travelers requiring insurance confirmation for obtaining visas for NU sponsored trips should contact the coordinator for their program of the Office of Risk Services firstname.lastname@example.org to request the letter. Letters should be requested at least 14 days in advance of need or scheduled consular visits.
”Emergency” is a condition that is life threatening. Examples include but are not limited to: difficulty breathing, injury to head or eyes, uncontrolled bleeding, loss of consciousness, severe burns, fractures, disorientation and inability to speak, suspected heart attack.
“Urgent” is a sudden, unexpected injury or illness that a prudent layperson could expect to result in serious medical complications, loss of life or permanent impairment in the absence of immediate medical attention. Examples include but are not limited to: severe flu, strept throat, strains/sprains, sinus infections, urinary tract infections, skin rashes and infections, minor cuts that may need stitches.
What if I Need Medical Treatment Overseas?
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. If you do not know this number, you can contact WorldAware, powered by iJET, for assistance in locating the nearest appropriate medical facility. In any event, you should notify WorldAware as soon as possible. WorldAware will notify the appropriate contacts at the University and can also assist in arranging payment for emergency medical services and in providing interpreter services if required.
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 WorldAware for help. If your condition arises during and in the course of the NU sponsored trip, contact WorldAware 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 NU 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 email@example.com and our claims team will assist you.
Other Medical Care
If you have a chronic condition that requires you to receive care while you are away on an NU sponsored trip, you should work with your medical providers and health insurance company to arrange appropriate services overseas. WorldAware can be a resource to find physicians to work with you and your providers in the location(s) you are visiting. You must rely on your health insurance for these services.
For medical care that is neither urgent nor emergency or care that is provided outside of the NU program dates or on side-trips outside of the program, you should rely on your personal health insurance. You may use WorldAware as a resource to find appropriate providers.
Who Pays for Medical Assistance Overseas?
Your Personal Insurance Coverage
- All NU 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 – Covers on reimbursement basis
- Rely on your personal insurance for :
- 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
- Personal Side trips
- Injuries, illness resulting from activities outside of the program activities
- Chronic conditions for which you need ongoing care
NU Program for Registered Travelers
- Emergency and Urgent Only
- ”Emergency” is a condition that is life threatening. Examples include but are not limited to: difficulty breathing, injury to head or eyes, uncontrolled bleeding, loss of consciousness, severe burns, fractures, disorientation and inability to speak, suspected heart attack.
- “Urgent” is a sudden, unexpected injury or illness that a prudent layperson could expect to result in serious medical complications, loss of life or permanent impairment in the absence of immediate medical attention. Examples include but are not limited to: severe flu, strep throat, strains/sprains, sinus infections, urinary tract infections, skin rashes and infections, minor cuts that may need stitches.
- Provides coverage for NU trip/program related accidents and illnesses
- Provides coverage only during official NU 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 firstname.lastname@example.org for assistance in processing your claim.
Note: if the NU 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.
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.
Regardless of whether you are skiing, zip lining, or simply doing a bicycle tour outside of the program, the university’s assistance program (NU WorldAware) may be able to assist and provide you with resources to get the help and treatment that you need. You will however be responsible for the medical bills as well as other expenses that may be incurred by you that result from your leisure time activities (e.g., special transportation or returning home if the injury is severe).
All students traveling abroad are required to have personal health insurance that will cover them for activities and travel outside of the NU program. If you have NUSHP (Northeastern University Student Health Plan), this meets the requirement. If you have health insurance other than NUSHP, you should check with your health insurance provider prior to departure to understand how it may (or may not) provide coverage overseas. For additional information, please visit http://www.northeastern.edu/international-travel/insurance/
If you leave the program location to go skiing or engage in other free time activities (e.g. you are in France and go to Italy), you must register your side trip on “My Travel Plans” found on the myNEU Portal under the “services and links” tab, so that the university can plan for resources and be better able to assist you in the event of an emergency. Please review the university’s guidance on side trips prior to your departure. www.northeastern.edu/international-travel/side-trip-guidance/
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.
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.
The Policy on International Travel requires "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 State suggests 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 at email@example.com