1 Educational & Institutional Insurance Administrators Property & Casualty International Coverage

International versus Student Health and Accident 2

Who is EIIA? Educational Institutional Insurance Administrators A leader in insurance services and risk management for higher education, incorporated as a not-for-profit free-standing entity. 3

EIIA History First consortium formed in the 1950’s to serve uninsured historically black colleges Consortium opened its doors to other Methodist institutions Lutheran institutions joined EIIA Presbyterian Church USA institutions joined EIIA American Baptist institutions joined EIIA 4

EIIA Currently EIIA proudly serves 125 Institutions of Higher Education. Your Institution is a member of EIIA through its affiliation. Their membership in the EIIA Master Program Property Casualty Program includes the Foreign Study Abroad coverages that your Institution generously provides to their students, faculty and staff. 5

EIIA and Your Institution Partnership Without the support of parents and guardians, your Institutions students would not be able to participate in the rich benefit of study abroad programs. 6

EIIA Foreign Program Coverage Travel Accident & Sickness Travel Assistance Emergency Medical Evacuation Security Evacuation Crisis Response 7

Foreign Travel Program Chartis Insurance  Travel Accident and Sickness Coverage  Travel Assistance – Travel Guard Inside of the U.S. and Canada, call toll- free: Outside of the U.S. and Canada, call collect/reverse charges through an international operator:

9 Territory Worldwide excluding the United States of America, its Territories and Possessions, Canada, Iraq, or Afghanistan. Payment of any loss shall only be made in full compliance with OFAC. For a complete list of OFAC countries refer to: programs/index.shtml

Travel Accident and Sickness Insurance Coverage Total Limit Per Person Accidental Death and Dismemberment $200,000 Accidental Death and Dismemberment Annual Aggregate $2,000,000 Accident and Sickness Medical Expenses Limit $100,000 ($250 deductible) Pre-existing conditionsIncluded - up to $1,500 ($250 deductible) Specified Athletic or Sporting EventsExcluded 10

Travel Accident and Sickness Insurance Coverage Total Limit Per Person Inpatient Mental/Nervous Disorders ($10,000 deductible) Included Inpatient Substance Abuse Disorders ($10,000 deductible) Included Medical expenses for Suicide/AttemptExcluded Per Day Sickness Hospital BenefitIncluded in the $100,000 Medical Expense Limit *Emergency Medical Evacuation$200,000 *Escort Expense Included, must be doctor prescribed *Emergency Family Travel$100,000 *Repatriation of Remains$1,000,000 *Travel Guard must coordinate arrangements 11

International Business Auto Liability and Physical Damage AutomobileLimit Non-Owned Automobile Liability$1,000,000 Hired Automobile Physical Damage (each Auto)$10,000 Deductible$1,000 Note:When renting a vehicle, coverage must always be purchased from the rental company. Coverage shown above is not primary and does not necessarily comply with individual countries legal requirements. 12

Security Evacuation Benefit Rider *Security Evacuation Limit:$50,000 per occurrence Transportation to Nearest Place of Safety Transportation back to Host Country if Safe, or To Insured Person’s Home Country, or To sponsor’s location Occurrence: Expulsion Political or military event Natural Disaster Verified physical attack Kidnapping or missing person *Travel Guard must coordinate arrangements 13

Crisis Response Coverage Crisis Response Limit: $250,000 Cost Limit $50,000 Management Loss $300,000 Policy Aggregate Crisis Event: Man made emergency situation, including arson, intentional contamination of food, drink or pharmaceuticals, a bombing, taking of hostages, mass shooting, or terrorism Crisis Response Costs: Psychology expenses, funeral, travel, temporary living expenses, defense costs and crisis management loss 14

Assistance Services Medical Services Medical Evacuation: Insurer medical staff will evaluate condition to determine if person can be treated locally. If not, Insurer will make arrangements to bring person home. Physician / Dentist / Hospital Referral: Contact information for local providers is provided. Medical Case Monitoring: Insurer will monitor condition of patient while such person is hospitalized away form home. Shipment of Medical Records and Prescription Medications: Insurer to make arrangements to have them shipped to treating physician. Insurance Claim Coordinator: Coordination between insured person‘s personal carrier and emergency medical service provider. 15

Trip Services Travel Documentation: Telephone advice regarding passport/visa requirements, customs, entry / exit, restrictions, and regulations. Immunizations: Telephone advice regarding required immunizations for intended destinations. Up to date info on medical advisories. Political / Environmental Warnings: Provides communication between insured and US Govt. office abroad. Currency and ATM Locations: Assistance on exchange rates and ATM locations. Global Weather: Provides information on global climate conditions. Assistance Services 16

Trip Services Emergency Message: Can be stored and relayed to or from traveler Telephone Translation: Translation services are available 24- Seven in cases of an emergency. Travel Delay: up to date travel delay report Embassy or Consulate Referral: provide address and phone numbers of local embassies or consulates while traveling Public Information: provide local worldwide public holiday information for the desired location Assistance Services 17

Assistance Services Other Services Lost / Stolen Luggage and Personal Effects: Coordination of claim process, delivery by common carrier and shipment of replacement articles. Lost / Stolen Travel Documents / Travel Tickets: Assistance to cancel and replace documents such as passports or credit cards. Cash Transfer: Emergency cash is available 24 seven. Legal Referral: Referral of local attorneys anywhere in the world. Trip Interruption: Arrange accommodations, alternate transportation, and meals. 24 hours, 7 days a week, 365 days a year 18

Foreign: Frequently Asked Questions Who would I call if I have any questions regarding taking medications through customs? Travel Guard Call collect/reverse charges through an international operator or, if in the U.S., call

If a student participates in a trip and has a pre-existing disability or medical condition does the emergency medical insurance apply? Yes, but there is a limit of $1,500 for pre-existing conditions and a $250 deductible applies. 20 Foreign: Frequently Asked Questions

What is considered an excluded sporting event? Football, Boxing, Gymnastics, Ice Hockey, Lacrosse, Martial Arts, Rodeo, Skiing (water and snow), Surfing, Swimming, Diving, Wrestling, and Equestrian. Participation in contests of speed using a motorized vehicle or bicycle. Excluded at all times are skydiving/parachuting, hang gliding, bungee jumping, mountain climbing, potholing, zip-lining and motorcycle riding. Scuba Diving is excluded at all times except as an assigned part of a curriculum of study for credit. Snorkeling and Skiing are covered when associated with curriculum. 21 Foreign: Frequently Asked Questions

If a student, or students decide to play soccer (basketball, football, etc.) on their own initiative as a “pick-up game”, would there be medical coverage? Yes, as this is not participation in a scholastic, professional, NCAA sanctioned, or Institution athletic organizational sport. 22 Foreign: Frequently Asked Questions

If there is a need for medical evacuation who would arrange it? Travel Guard would need to be notified immediately and would arrange for medical repatriation based upon their medical evaluation or a doctor’s certification of necessity. 23 Foreign: Frequently Asked Questions

What if there was an emergency and the group needed to evacuate the country? Call Travel Guard for evacuation assistance. 24 Foreign: Frequently Asked Questions

In what circumstances should Travel Guard be contacted in advance? Always contact Travel Guard if there is a medical emergency as soon as possible. For example, serious injury, sprained ankle, might need stitches, etc. Local emergency personnel should be contacted first if possible (911) for serious situations. Safety is the primary concern. Travel Guard can advise for directions to the nearest English speaking hospital/emergency room facilities and can facilitate coordination with local doctors. 25 Foreign: Frequently Asked Questions

How is reimbursement of medical bills handled? If medical bills were paid overseas for an emergency medical situation by the injured party, the bills can be submitted for review by a claims adjuster for potential reimbursement. The bills can be ed or faxed with a cover-note providing the institution name along with the EIIA policy number and the Travel Guard case number (if applicable). Contact Information: Vicki Hoover - Claims Examiner Chartis WorldSource - Travel Guard Ph.: Fax: You can also call Travel Guard, mention the case number (if applicable) and advise that you want bills submitted to claims for review. 26 Foreign: Frequently Asked Questions

A student is seriously injured overseas and is in the hospital. What does the insurance provide in regards to the parents going overseas to be with the student while in the hospital? The insurance will pay up to the cost of one round trip economy airfare ticket (up to a maximum of $3,000) for one person to fly to be with the injured student while they are in the hospital if they are alone and more than 100 miles from their place of primary residence. The insurance will also pay for lodging and meals for that person while the injured student remains hospitalized up to a maximum of $125 per day for lodging and $100 per day for meals. Call Travel Guard to arrange the emergency flight. 27 Foreign: Frequently Asked Questions

Is the Emergency Medical coverage Primary or Secondary? The foreign travel insurance provides primary emergency medical insurance. The coverage includes reasonable and customary charges for covered medical expenses incurred by an insured person for the treatment of injury or sickness sustained during the course of an insured journey. 28 Foreign: Frequently Asked Questions

What if the student does not have the $250 deductible at the time of treatment? Travel Guard is trained to handle the emergency and Claims will worry about deductibles/coverage later on. They provide emergency cash transfer and advance assistance subject to personal funding. 29 Foreign: Frequently Asked Questions

What are examples of covered medical expenses and what are examples of what would not be covered? A student or faculty member falling and breaking a leg would be an example of something that is covered. An appendicitis attack is another example of something that would be covered. Surgery to provide an artificial hip that is cheaper to have done overseas would not be covered. The birth of a child while traveling overseas would not be covered. 30 Foreign: Frequently Asked Questions

What should I do if I lose my ID card or Loyalty tag? Call your contact at your Institution, they will provide you with the Travel Guard phone number or additional loyalty tags. The cards can be replaced electronically but are not necessary for coverage or assistance. Or pint a copy from the EIIA website: then press the Foreign Assist button on the top right corner Foreign: Frequently Asked Questions

Does coverage continue after returning to the U.S.? Once the faculty/student has returned to the U.S., Travel Guard services and the Foreign Insurance Program no longer apply. Invoices for medical services that were incurred overseas can be submitted. Personal health/medical coverage purchased for the U.S. would apply. 32 Foreign: Frequently Asked Questions

Can you submit a claim to more than one insurance company if the full cost of an event is not covered by one policy? This will depend on the individual situation. It is highly recommended that the faculty/student call Travel Guard first. If the insurance limits look like they might be exceeded, then another carrier may become involved with the claim. 33 Foreign: Frequently Asked Questions

Would coverage exist for personal travel? There is a personal sojourn extension that provides unlimited days of additional coverage if the student has personal travel in conjunction with the institution sponsored trip. Personal travel includes travel to countries other than the country of study. 34 Foreign: Frequently Asked Questions

Who Should the Student Call First? 35 We recommend making phone calls in the following order: Call the host country equivalent of 911 for a life threatening medical emergency Call Travel Guard for all emergency travel, accident and sickness assistance. Call collect/reverse charges through an international operator: , ask for a claim number Call the international office at your host institution or your institution’s professor traveling with your group and give them the claim number Call your Institution’s Travel Abroad Coordinator and give them the claim number Call your parent(s) and give them the claim number Foreign: Frequently Asked Questions

Additional Resource 36

Questions? 37

Japan Evacuation 38

Japan Evacuation Rational behind the EIIA recommendation Duty of care applicable to students in your care Status of student(s) remaining in Japan Planning future travel to Japan 39