Insurance will not prevent accidents or illness from happening; however, it can relieve other stressors and provide assistance when you most need it. Most US health insurance does not provide adequate international travel coverage, which is why CSU requires additional insurance. All travelers should retain US health insurance. Your program type will determine the insurance you purchase, but the following information can serve as a guide.
INTERNATIONAL INSURANCE REQUIREMENTS FOR STUDENT TRAVELERS
All CSU students and graduate students traveling internationally for university purposes must have travel health insurance with evacuation coverage. Some programs include insurance as part of their program fee, others will be automatically enrolled in CSU’s international travel insurance.
Travelers who need to purchase insurance for travel that begins on July 31st or earlier should use CSU’s 2016-2017 plan, which is HTH insurance (description and brochure below). If your travel BEGINS on or prior to July 31, 2017, you should use the HTH plan even if your travel dates extend beyond August 1st, 2017.
HTH Worldwide Travel Insurance
- Cost effective, supplemental travel medical insurance with medical evacuation, security evacuation and repatriation coverage.
- No deductible or co-pay, coverage only outside of United States. Not valid in participant’s home country.
- $13 per week/$51 per month for excellent coverage while abroad
- HTH Evacuation Coverage
CSU Student Health Insurance Plan
- Students enrolled in CSU’s SHIP plan are covered internationally (in network benefits with deductible and co-pay) for medical benefits, medical evacuation, security evacuation and repatriation.
- Most international students are required to be enrolled this plan for the duration of their studies in Fort Collins; this insurance also covers international students traveling outside of the US.
- CSU Evacuation Coverage
Consider purchasing additional insurance, especially if you will be participating in high risk activities or going to a higher risk destination.
The international travel plan that CSU offers for student travelers will be changing on August 1, 2017.
For travel starting in Fall 2017 and later, CSU’s new international travel plan (Chubb) will be in place. This insurance plan provides medical coverage with no deductible or copay, medical and security evacuation and repatriation. The policy details will be posted here when they are available to CSU.
Insurance Requirements for CSU Travelers:
CSU international travelers will be automatically enrolled in Chubb international travel insurance if their start date for CSU travel is August 1st, 2017 or later. If you need insurance confirmation and details of the plan for your visa application or grant, please contact Nicole Tobin Wooton at firstname.lastname@example.org or (970) 491-4334.
Education Abroad Program Participants
- CSU-Sponsored, Faculty Led, Exchange and School for Field Studies Programs – automatically enrolled and charged for all programs except the following programs, which require national health care plans*: Kansai Gaidai University, Lincoln University, Macquarie University, Massey University, Radboud University, University of South Australia, University of Tasmania, University of Western Australia, Yamagata University.
- Affiliate Programs that provide insurance that meets CSU’s minimum requirements** (AIFS, API, CEA, CIEE, DIS, ISA, SAI, Semester at Sea, SIT, and USAC)* – do not require CSU Chubb Insurance. School for Field Studies does require the CSU Chubb plan, as SFS does not provide comprehensive insurance as part of their program fee.
- Non-CSU Programs and Unaffiliated Programs (incl. Study, Research, Internship and Service-Learning) – automatically enrolled and charged
*Please review if your program’s national insurance plan or affiliate plan will meet your needs, especially if you will be participating in high risk activities or going to a higher risk destination. In general the CSU plan is more comprehensive than other plans. You can opt in to the CSU insurance if you need a higher level of insurance by contacting your CSU education abroad coordinator.
**CSU’s minimum insurance requirements include medical, evacuation and repatriation requirements.
- Research, Conference or Departmental Group travel – automatically enrolled, no charge to traveler if registered with Office of International Programs
- Employee travel (faculty, staff and post-docs)– automatically enrolled, no charge to traveler if traveling for job purposes and enrolled in KUALI Risk Management system
The CSU Chubb international travel plan is only effective if you have registered your CSU travel with the Office of International Programs (students) or Risk Management and Insurance (employees). If your program is covered by CSU Chubb insurance, you are covered by the CSU plan once your registration status is ‘authorized’, ‘committed’ or ‘approved’.
- To reach Chubb Insurance: 1-800-327-1414 or 1-630-694-9764, or email@example.com
- Chubb Services Provided: Emergency Medical Services, Assistance Locating a Doctor or Medical Facility, Security Advising and Evacuation, Emergency Travel Services and Travel Assistance (including lost passport support)
- Insurance Card: Print and carry with you during your travels.
- Chubb Claims Form: Submit this form and required documents (itemized bills, receipts, medical records for injury/illness) within 30 days of a covered incident for reimbursement of expenses.
Costs and Billing:
Travelers in programs that require CSU insurance will be automatically enrolled and charged the appropriate cost based on their program type and length. Charges will appear on RamWeb 10 days prior to the start of the CSU academic term. Dates of coverage will be the official dates of registered CSU travel plus 14 days before and after official dates.
The approximate cost of the insurance will be: $25 for travel 0-2 weeks, $75 for travel 2-8 weeks, $225 for travel 1 semester, and $525 for travel 1 academic year. Exact billing totals can be found on the budget sheets at the top of each program page for programs that require CSU Chubb insurance.
Regardless of which travel insurance you carry, you should maintain your US health insurance while you are abroad in case of emergency travel back to the U.S., emergency evacuation during a serious medical incident, and to comply with the Affordable Care Act continuous enrollment requirement. Most travel plans do not cover travelers in the US or in their home country.
If you need additional information about CSU’s insurance plans, please contact Nicole Tobin Wooton at firstname.lastname@example.org or (970) 491-4334.