Academics

International Travel Insurance

Alma College provides emergency medical insurance for most students traveling on Alma College off-campus study programs.

Alma students enrolled through the Center for Student Opportunity in approved off-campus study programs are covered by the Alma College international emergency medical insurance policy. Students attending other Alma College approved international opportunities such as faculty-led Spring Term programs may also qualify for coverage under this policy. To learn if a travel experience will be covered, contact Alma College’s insurance representative Cassie Tennant by email at tennant@alma.edu or by telephone at (989) 463-7156.

 

What is covered?

Policy benefits, limitations, and exclusions are summarized in the International Travel Program Summary.

 Recommendations to ensure adequate coverage

  • The Alma College limited health insurance covers most international locations.  Locations specifically excluded are those that have trade sanctions imposed by the U.S.
  • Review the insurance information provided to determine if additional insurance is needed.  Alma College highly recommends keeping existing U.S. insurance in force for the duration of the off-campus study to ensure continual coverage.
  • Discuss your travel plans with your physician and/or counselor.  If you are currently receiving treatment for a chronic illness, it is strongly recommended that you talk over plans with a physician, psychologist, or counselor to manage any potential health problems abroad.
  • Most international health care providers do not accept US medical insurance.  Many times foreigners must pay medical bills on their own by cash or credit card, then submit for reimbursement.  Our insurance provider will coordinate the treatments needed along with the payment for treatment.  
  • While on a covered international trip, Alma College’s insurance is primary.  The student’s insurance becomes primary upon return to the U.S., and the insurance provider will coordinate the transition between policies.
  • Contact your current insurance provider for their claims procedures with respect to international travel.  Also ask how your claim should be handled if you have dual coverage (your personal policy and an Alma College policy). 
  • Questions to ask your health care provider:
  1. Does my health insurance remain in force while abroad? (Students attending CSO approved off-campus study programs are considered a full-time Alma College students)
  2. If I am required to pay a medical provider directly, how will I be reimbursed?
  3. If I receive medical care, how will medical care providers paid?  What documentation do you need from the medical provider abroad for care that I received? 
  4. Can I wait until I am home to notify my medical provider that I received care while abroad? 
  5. How long do I have after I receive medical care to submit a reimbursement claim?
  6. Where can I get a reimbursement claim form?

Reporting procedures

If medical assistance is required or a claim needs to be filed, use the contact information in the order listed:  

  1. Country’s emergency contact system (9-1-1 equivalency) for emergency assistance
  2. Frontier/MEDEX:  Call the number on the back of the Medex Card wallet card provided at pre-departure orientation (if within a country listed), or call Collect 1-410-453-6330. 
  3. Parent/Family
  4. Alma College staff (both must be contacted):
    • Cassie Tennant, Assistant Controller, (989) 463-7156, for administration of insurance coverage, and
    • Carla Jensen, Venture Program and Off-Campus Study, (989) 463-7247, for notification to CSO of illness/injury/travel mishap.

Please note:

  1. Immediately contact FrontierMedex when it’s necessary to seek medical care. It does not have to be an emergency. When Frontier is contacted, you should not have to pay out-of-pocket for medical care, provided you use the recommended medical facilities.
  2. If it is necessary to pay out-of-pocket for medical care, request from all medical care providers a copy of the receipt listing the charges. Save all receipts to get reimbursed; a copy of your credit card receipt is not sufficient for reimbursement. Cassie Tennant may instruct you to mail paid invoices to her if the total claim is under $250, or to the insurance company for claims over $250. If unsure of what steps to take or how to file a claim, contact Cassie Tennant.
  3. For any questions related to the college’s insurance coverage, contact Cassie Tennant.

Additional insurance coverage

The International Student Identity Card (ISIC) can provide you with additional insurance coverage.