Health and Accident Insurance
Participants in Summer Abroad, Summer Abroad Internships, Quarter Abroad, and Seminars Abroad programs will be covered by two types of health/accident insurance: 1) blanket medical insurance, in most cases provided by HTH, and 2) UC accident/incident benefit plan, commonly known as ACE, which is provided to all students and staff participating in UC programs. For some programs, medical insurance is provided through onsite partners, rather than HTH, and the partners will provide you with information on the coverage.
Students participating in UCEAP and those granted study abroad leave status for Independent Programs also have access to ACE coverage. In regard to medical insurance, information for UCEAP participants is available in the UCEAP Guide to Study Abroad, while students participating in Independent Programs are responsible for securing medical insurance on their own. If you are relying on a private medical insurance plan, check the coverage for foreign travel – you may want to consider purchasing insurance that is specifically designed for travel, whether by HTH or other reputable providers.
Please note that certain high risk activities—such as moped/motorcycle driving, horseback riding, skin/scuba diving, skiing, mountain climbing, bungee jumping, sky diving, hang gliding, amateur racing, and piloting of aircraft or riding in any aircraft (except as a passenger on a regularly scheduled airline or charter flight)—are NOT covered by this type of insurance.
For any program, if you are engaging in personal travel beyond the program dates, you may want to consider options for Extended Travel Insurance, and if you are returning to the US without a domestic medical insurance in place, you may want to consider Gap Insurance. Also, while ACE includes Trip Cancellation Insurance, you may be interested in obtaining more extensive coverage from other sources.
HTH Travel Health Insurance
HTH Travel Health Insurance is provided to Summer Abroad, Summer Abroad Internships, Seminars Abroad, and Quarter Abroad participants by UC Davis Study Abroad to ensure quality overseas health coverage for participants (some Quarter Abroad students are covered by insurance plans provided by on-site partners). The HTH plan will help you to manage existing and unanticipated health conditions while you are abroad. It includes coverage for office visits, hospital care, surgery, and prescription drugs. Coverage highlights are outlined here.
You will be provided with an insurance card for HTH that you should carry with you at all times while you are abroad.
Please note that UC Davis policy dictates that HTH coverage cannot be used as a basis for cancelling your Davis SHIP coverage while you are abroad. If you are considering cancelling your private, non- Davis SHIP insurance coverage while you are abroad, you should plan carefully to insure that you have coverage in place when you return, since HTH coverage applies only when you are abroad (not through the beginning of the next quarter, as Davis SHIP does).
While many US medical insurance plans include coverage for overseas travel, UC Davis Study Abroad provides coverage from HTH because it has been designed specifically with travelers in mind. HTH has established a network of English-speaking, Western-trained physicians in over 180 countries. You are also covered for care from physicians outside of their network, and HTH may be able to pay directly for your expenses, so that you do not have to pay out-of-pocket. In addition, HTH provides a smartphone app that can help you search for physicians, schedule appointments on short notice and translate medical terms.
Remember, if you are in an emergency situation, always seek the nearest available help! You are not required to contact HTH before receiving treatment, but if the situation allows it, it can be helpful. For example, if you are planning to see a physician or seek services from a facility not within the HTH network and you communicate with HTH prior to your appointment, HTH may be able to pay for the services directly. Otherwise you may have to pay up front and then get reimbursed by submitting a claim form. Both payment procedures are outlined here.
One of the advantages of HTH’s extensive physician network is that you can plan ahead for existing conditions. Before leaving the US, you can use HTH’s online database to identify specialists in the location you are visiting, so that you know who to contact if complications arise while you are abroad. This applies to physical and mental conditions. HTH does not cover preventative health care, so get your annual check-up before you leave the US.
UC Traveler Insurance Coverage
UC Traveler insurance coverage is a catastrophic accident/incident travel benefit plan provided to students and staff participating in UC programs. The plan includes travel help provided by United Healthcare Global Assistance, which provides services world-wide for emergency medical transportation, medical referrals, case monitoring, claims management, identity theft resolution, and facilitation of direct payment to medical providers. It is important to note that this coverage is intended as a supplement to medical insurance, not as a replacement, since it does not cover non-emergency medical costs. This coverage also includes benefits (with limits) for trip cancellation or interruption and loss of personal property, including luggage.
UC Davis Study Abroad will directly register Summer Abroad, Summer Abroad Internship, Seminar and Quarter Abroad students for insurance coverage. The policy number and contact numbers for services will be provided to you on your emergency contact card.
UCEAP and Independent Program participants should register themselves on the website for UC Traveler Insurance Coverage. For a Benefits Summary, FAQs, and claim forms, scroll down the page to the heading for “Student resources & claims.”
Extended Overseas Travel Coverage
There are a variety of options to consider for travel insurance if you will be engaging in personal travel beyond the dates of your program, that is, if you plan to arrive at the site before the program begins or to travel after the program ends. Please note first that:
- UC Traveler insurance includes coverage before and after program dates for 7 days (total) of personal deviation for foreign travel or 3 days for domestic travel.
- HTH coverage typically begins a day before and ends a day after program dates. If you wish to extend your HTH coverage you must do this directly with HTH at the HTH Worldwide website with an “Single Trip Medical” plan. Once the coverage for your program is in the system (approximately one month prior to program start), the system will allow you to apply for an extended plan/rate.
- The Mandatory UCEAP Insurance Plan coverage begins several days before the official start of the program and ends several days after the official end of the program begin coverage. Consult the UCEAP Guide for details.
- Most private US insurance plans include coverage for foreign travel, although it will not necessarily include the benefits of plans designed specifically for travel.
If you wish to extend coverage beyond the allowances for personal deviation, go to the Risk Services website, scroll down to Personal Travel, and click on “UC Personal Travel Program” to read a full description of the coverage, access the brochure and/or enroll.
To obtain extended medical coverage from HTH or other providers, you must do so yourself directly (usually it can be done online). UCEAP participants can apply for up to three months of extended medical insurance coverage, as explained in the UCEAP Guide.
Gap Coverage for Domestic Insurance
Short-term health insurance or “gap” coverage is typically relevant in situations in which your Davis SHIP or private domestic insurance is not active for a period when you are in the US prior to or after your study abroad program. UC Davis does not recommend any specific providers for gap coverage, which is available from a number of private companies. UC Davis students are eligible to purchase gap coverage through a plan offered by a private company to UC Berkeley students, as described here. UCEAP participants are eligible to apply for gap coverage through a provider listed in the UCEAP Guide.
Trip Cancellation Coverage
The trip cancellation benefit provided by UC Traveler insurance has a limit of $2000 in total (not per incident or item). It covers airfare and prepaid housing, but not course fees. It only applies if the cancellation is due to great injury or death, not in the case of emergencies such as financial distress.