MARIST INTERNATIONAL
PROGRAMS
SHORT-TERM STUDENT HANDBOOK
A GUIDE FOR STUDENTS PREPARING TO STUDY ABROAD
MARIST INTERNATIONAL PROGRAMS
STUDENT HANDBOOK
TABLE OF CONTENTS
CONTENTS
Page
WELCOME!
1
INTRODUCTION
2
STAYING IN CONTACT
3
CHECKLIST
4
ACADEMICS
5
PRE-DEPARTURE PLANNING
6
CONDUCT AND SAFETY
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WHAT TO BRING
13
TRAVEL ARRANGEMENTS
17
HEALTH ISSUES
18
MONEY MATTERS
20
APPENDICES
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WELCOME!
DEAR STUDENT | Welcome to Marist International Programs (MIP). Your success as
on a short-term program will depend upon how well you have prepared yourself for the
experience. We look forward to assisting you with a number of matters that have to be
taken care of prior to your departure during orientation for your program.
This handbook covers a wide range of information necessary for the next important steps
you must take as you prepare for your short-term program. Please read all of the enclosed
carefully. Keep this information and bring it with you to your program site.
Please feel free to call us at (845) 575-3330, or if you are on campus stop by our office in
the Hancock Center 2007 for any questions or concerns.
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introduction
Congratulations on being selected to participate in a Marist College short-term program.
You are about to embark upon an amazing experience and incredible opportunity!
One of the best ways to prepare for your program is to learn as much as possible about
your host country prior to your departure. This handbook is one tool that will help you
prepare for your winter intersession, spring break or attachment program. Other resources
can be found online or through travel guides and books, or speaking with past short-term
participants, or with the short-term program coordinator.
Changes to your program may occur before your departure or while you are abroad. Your
flexibility and willingness to adjust to these changes as they occur will help you to have
the best study abroad experience possible.
Read this handbook carefully! You are responsible for the information covered in this
handbook. Remember to take this handbook with you. You may need to refer to it to
help answer questions while you are abroad.
WE WISH YOU A SUCCESSFUL AND REWARDING STUDY ABROAD EXPERIENCE!!!
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staying in contact
MIP MAINLINE - 845.575.3330 (8:00 am - 5:00 pm)
MIP STAFF
John Peters - Dean, International Programs
Carol Toufali - Senior Coordinator
Jerre Thornton - Coordinator
James Morrow-Polio - Assistant Coordinator
Ruth Watts - Office Assistant
MARIST OFFICE OF SAFETY AND SECURITY - 845.471.1822
(after hours)
For emergencies after hours, call the Marist Office of
Safety and Security. Explain to the officer that there is an
emergency involving a Marist student abroad. Security will
help you identify the individual from Marist International
Programs who can assist you.
WEB
international@marist.edu
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Copy down all names, phone numbers, postal and
e-mail addresses of people with whom you might
need to have contact while abroad.
Verify with your bank that your checking account
ATM card will work overseas, and have them tag your
account so that overseas charges won’t be seen as
suspicious.
Leave bank deposit slips with your parents, if they
will be “feeding” your account while you are abroad.
Take care of college financial issues. Consider having
a medical exam/physical and bring your vaccinations
up to date. Get a dental check-up. Have wisdom
teeth extracted, if necessary.
Need an eye check? If you wear contact lenses, bring
supplies. Also bring eyeglasses in case you can’t wear
your lenses. Bring a copy of your prescription in case
you need to replace lost/broken glasses/lenses.
Bring an adequate supply of prescription medication
(in pharmacy-labeled container) to last your entire
stay abroad.
Know what items are permitted and prohibited for air
travel: http://www.tsa.gov.
If you are not a US citizen, consult with the
international student advisor to make sure your
immigration documents are in order.
Leave a copy of your passport, credit/ATM cards with
your parent(s).
Bring a copy of your birth certificate with you.
It’s a good idea for parents of students going abroad
to obtain and maintain a valid passport, in case of
emergency requiring them to travel.
Should you get an International Student ID Card
(ISIC)?
Register your travel with the US Department of State:
http://travelregistration.state.gov.
THINGS TO REMEMBER WHILE YOU’RE ABROAD
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Follow the program director’s instructions at all
times.
Never leave your hotel door propped open while you
are in the room or away from the room. Remember
that this is not your dorm room.
No late night parties.
Keep noise down.
Keep a journal of your experiences, travels, friends,
contacts, addresses, etc.
Take lots of photos!!!
Start a blog -- your family will love it.
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What you need to do before you go abroad and
what you need to do while you are abroad.
THINGS TO TAKE CARE OF PRE-DEPARTURE
CHECKLIST
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academics
BEFORE YOU GO
CONFIRM YOUR ACADEMIC GOALS | While it may seem like you’re on vacation, remember that
your short-term program is an academic experience and that you are going to receive a grade upon
it’s completion.
KNOW WHAT TO EXPECT | As with any course at Marist, read the course syllabus and ask questions
about the academics for your program. Many program directors will expect a pre-departure paper,
a journal while you are abroad, and a post-departure paper upon your return. You may also have a
group presentation.
Complete all assignments on time and read all required texts.
Remember for Spring attachment programs that your grades will be posted once you have completed
all assignments, generally 2 weeks after your return.
Short-term programs cannot be taken pass/fail.
WINTER INTERSESSION | Winter Intersession programs are self-contained programs and are generally
2-weeks in length.
SPRING BREAK AND ATTACHMENT PROGRAMS | Spring break and attachment programs will meet
regularly during the spring semester, generally following a modified class schedule. It is important
that you work with the program director if your short-term program conflicts with another course
you are enrolled in. Remember that is it your responsibility to complete all work.
FINAL WORDS | As with any course you take at Marist College, keep copies of papers and other
assignments in case there is any questions that an assignment was completed.
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pre-departure planning
You will get the most out of your time abroad if you find out as much as you can about your host
country and culture, and if you anticipate questions and situations which may arise before you leave.
Sources of information could be returnees, Web sites, tourist and travel organizations, native faculty
or students, friends, and relatives.
Questions often posed by prospective study abroad students follow. You’ll find many of the answers in
this Handbook, and at the websites listed at the end of this book. Some questions are best answered
by students who have returned from your program host country, and the Marist Abroad Coordinator
can put you in touch with returnees. Some students prefer not to do a lot of research and enjoy
unexpected discoveries on site – sort of like jumping into cold water! Regardless of the amount of
research you do, and the answers you find, returned students say, “Expect the unexpected!” However
you approach preparing to go abroad, ENJOY the adventure!
PREPARATORY QUESTIONS | What am I looking for in a study abroad experience? Have I made
a list of my goals? What are my hidden (or unspoken) expectations? What cultural experiences am
I looking for during my time abroad? How will this experience impact my career objectives? How
familiar am I with my own cultural heritage? Can I answer questions about my hometown, state,
country, US culture, customs, and politics?
TRAVEL AND ARRIVAL QUESTIONS | How do I get a passport? What can I do to avoid having my
passport stolen? If my passport is stolen, do I know where to get a new one? Did I photocopy my
passport and other important documents?
What is a visa? Will I be going to countries which require a visa? If so, do I know the procedures for
obtaining a visa and how long it will take to get one?
Do I know weight and size limits for luggage on planes? Can I carry all of my luggage for plane and
train connections and to my accommodation alone? What do I really need to bring?
Do I know the currency exchange rate of the country(s) I will be travelling to? Do I know how and
where to obtain that country’s currency? Am I familiar with the bills and coins? Should I bring a
pocket calculator?
What is the value to me of an International Student ID card? What other discounts are available to
students?
SITE QUESTIONS | What is the climate like where I will be? Do I have the appropriate clothes for
the climate? Am I bringing too many clothes? What laundry service is available?
If needed, what are the banking hours? Is there an ATM nearby? How long will it take to transfer
money or to cash a check drawn on a US account? Do I have an ATM card? Will it work overseas?
Can I access my savings account at an overseas ATM? Can my parents access my account for deposits
or withdrawals on my behalf?
Do I know the long distance and overseas access codes? Will I be able to call home on arrival?
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What are the normal expectations regarding the use of hot water, heating and power consumption?
What about voltage? Plug size?
What should I do before I leave? Have I read as much as possible about the country or countries in
which I will be traveling or studying? Have I been reading magazines or newspapers to become more
familiar with world news and events? Do I know what’s going on the U.S. as well? Am I prepared to
discuss world events with new acquaintances?
What, if any, diseases are prevalent in my host country? Have I checked into this? What inoculations,
if any, will I need to get before I leave? What medications should I carry?
What is included in the program costs and benefits? How much extra money should I take? Have I
planned for such additional costs as meals and personal expenses (i.e., souvenirs, etc.)?
If I need medical assistance while abroad, do I know what to do? If I am sick or have an accident,
what do I do? Do I have the international cell number for my program director? Have I discussed
my medical insurance with my family? What coverage does HTH Worldwide provide? Are their
exclusions for pre-existing conditions?
Do I have any prescription drugs that I need to take with me? How about glasses? Contact lenses
and supplies? Prescriptions in case of lost glasses, contacts? Have I had a physical lately? Have I
asked my doctor about any special vaccinations I should have before going abroad? When was my
last dental checkup/cleaning? Are my wisdom teeth OK, or are they going to give me a problem
while I’m travelling?
Are traveler’s checks a good idea for me? Do I know where to get them cashed in my host country?
Do I know what to do if they are stolen? Do I have a credit card in case of emergencies? Do I know
about the different ways to have money sent to me in case I run out of funds?
Do my family and friends know how to reach me while I’m abroad or travelling? Have I updated my
address book so I can reach them?
Do I really need all the items I plan to bring?
Do I have a journal or notebook in which to keep a written record of my experiences?
Am I aware of the penalties if I am caught with illegal drugs or in the company of drug users while
overseas? What are the laws of the country/countries I am traveling to?
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*Questions drawn in part from an article by Mary Elizabeth Debicki in Transitions Abroad , International
Resource Guide No. 5. (The MIP Office has a subscription to Transitions Abroad magazine – past
issues are in the resource room.)
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conduct and safety
You will soon be entering a culture which is probably foreign to you. Please read through the following
sections carefully; they are not meant to frighten you, but rather to inform you of issues about which
you should be aware upon arrival at your new setting. This advice is applicable no matter where
you are in the world.
STUDENT CONDUCT | Marist College seeks to provide all members of the Marist community
with an environment conducive to learning. Your application to participate in MIP indicates a free
choice to become part of an academic community, to participate in its programs, and to accept the
responsibilities of membership therein. The College’s acceptance of the student in turn represents
the extension of the privileges of community membership to the individual and the right to remain
a part of it so long as the student meets the academic, financial and behavioral expectations of the
community. By enrolling in or attending a course or program of study sponsored by the College,
all persons are deemed to have agreed to respect the rights of the College and its members, and
to be held accountable for all regulations and procedures as presented in “Student Rights and
Responsibilities,” published by the Marist College Office of Student Affairs, to the normal expectation
of ethics, conduct and good citizenship. Marist College reserves the right to suspend or dismiss
any student for failure to maintain a satisfactory academic record, acceptable personal behavior, or
satisfactory standards of health.
While overseas, you are not only subject to the Marist College standards of conduct and disciplinary
sanctions, but also to the local laws and sanctions of the particular country and institution in which
you are studying. In many countries the punishment for possession and/or distribution of controlled
substances and for driving while under the influence of alcohol or controlled substances is much
more severe than in the U.S. You should be aware that if you are arrested for a crime overseas,
there is little Marist College or the local U.S. Consular authorities can do to intercede on your behalf.
Rarely have there been students in violation of Marist College’s standards of conduct. On the whole,
students who choose to study abroad exhibit a greater degree of maturity and responsibility than
many of their peers.
Marist International Programs office also has the authority to establish rules of conduct necessary
for the operation of the program and to reserve the right to require a student to withdraw from the
program. In such instances, the student will be entitled to the same due process established on the
Marist College campus.
GENERAL SAFETY IN PUBLIC PLACES | Many people’s impressions of Americans come from what
they see on American television shows. Americans are seen as wealthy, particularly in developing
countries, and in many locations you may be more well-off than the local population. Americans are
also easily noticed. We dress differently, we speak loudly in groups, we carry backpacks, we wear
athletic shoes and caps, and our American accent is unmistakable.
By following the suggestions below, you can minimize your exposure to unsafe situations:
US citizens are encouraged to register with the US Consulate while abroad. Registration can be
done online and is the easiest way to share information about your trip with consulates abroad.
US Consulate addresses and phone numbers for your host country are easily found online.
The US Consulate will notify registered US citizens if a situation arises which poses a threat for
local Americans.
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Do not leave your bags or belongings unattended at any time. Security staff in airports or train
stations are instructed to remove or destroy any unattended luggage. Do not agree to carry or
look after packages or suitcases for anyone. Make sure no one puts anything in your luggage.
When you travel use a waist or neck pouch to carry your passport, credit cards and travelers
checks. Wear the pouch under your clothes. Keep a separate record of your traveler’s checks
in another part of your belongings so that you will have a record if the checks are lost or stolen.
Do not carry more cash than you are prepared to lose.
Do not carry your passport unless you are travelling, or advised to do so by the program director.
Carry a copy of your passport instead.
Be as inconspicuous in dress and demeanor as possible. Downplay those elements of your
appearance and manner which broadcast that you are American. Here are some “tip-offs” to
avoid:
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wearing US college or university insignia clothing or heavily patriotic American clothing
wearing baseball caps
talking loudly with a group of friends
Use the buddy (or in the evening, small group) system, at all times. Never go out on your own.
Walking with someone else helps to deflect approaches by would-be harassers. Do not talk on
a cell phone or use a iPod, Zune or other multimedia device while walking in public areas. Be
aware of your surroundings.
Be careful how late you come home at night. Try to get home while public transportation is still
running or plan to take a taxi. When hailing a taxi, be extremely cautious about from whom
you accept rides.
Be alert to the people with whom you have contact. Be wary of people who seem overly friendly
or overly interested in you. Be cautious when you meet new people and do not give out your
hotel information or phone number. Be careful about sharing information about other students
or group events. Be alert to anyone who might appear to be following you or to any unusual
activity around your hotel. Report any unusual people or activities to your program director,
on-site staff and/or authorities immediately.
In countries where drivers drive on the left-hand side of the road (e.g. Australia, England, Ireland),
you will have to make an extra effort to check traffic before crossing the street. Be careful to
observe traffic lights. Stay on sidewalks away from the curb, and walk facing oncoming traffic
whenever possible. Drivers in large cities can be aggressive, and often erratic. Never assume
a car will stop for you or steer out of your way.
MONEY AND OTHER VALUABLES
Keep your cash and other valuables (travelers checks, passport and visa, airline ticket) in a safe
in your room or a hotel safe.
Do not take with you jewelry that you value or that has sentimental value. It can get lost or
stolen. Be aware that it is common in some cities for thieves on motorcycles to pull gold chains
off the necks of women. Leave your inessential valuables at home.
Avoid putting important/valuable items in the back pocket of your pants or backpack. Wear
your backpack in front of you in crowded places. We highly recommend bringing a money belt,
waist or neck pouch that can be worn concealed under your clothes.
Do not handle or display large quantities of money (dollars or local currency) on the street. Only
bring as much money with you as you need for the day or night.
Always keep an eye, and/or your hands, on your purse/bag/wallet, especially in crowded public
areas (public transportation, crowded sidewalks, markets, and metro stations).
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Be particularly vigilant in areas where there have been numerous reports of pick-pocketing and
purse snatching, especially tourist areas. Be aware that thieves on mopeds snatch purses, so
have your bag face away from the street.
Never leave personal belongings (i.e., purses, backpacks, etc.) unattended.
If you suddenly find yourself being “crowded” in a market, move away from the crowd. Thieves
work best in a crowd.
U.S. STATE DEPT. CONSULAR INFORMATION SHEETS AND TRAVEL WARNINGS
Consular Information Sheets are available for every country recognized by the US. They include
such information as locations of U.S. Embassies or Consulates, health conditions, crime and security
information, drug penalties, among other information. Travel Warnings are issued when the State
Dept. recommends Americans avoid travel to a certain country. Consular Information Sheets and
Travel Warnings, and other information are available at: http://travel.state.gov.
LOCAL TRANSPORTATION & TRAVEL
If someone leaves a package unattended on a seat near you in any crowded public place (e.g.,
airports, train stations, metro, or on a bus or other public transportation) notify the driver or
other authority and get away from it as quickly as possible.
Be careful with whom you ride in a car. Some countries are less adamant about drinking and
driving, and therefore driving under the influence of alcohol is more common.
Driving and pedestrian behaviors overseas can be very different from those we take for granted
in the U.S. Even in developed countries, accident rates are sometimes higher than in the U.S.
Carefully consider the modes of travel you plan to use overseas, and especially if you are planning
travel to lesser developed areas during extended holidays.
You may see other passengers on public transportation who don’t appear to be paying the
fare. Be careful not to copy them. Many of them have passes that they only show when asked
by an inspector. If you get caught without a ticket or pass, you can be pulled off the public
transportation and taken to the police station. Always purchase a ticket for all public transport
and remember to have it stamped if required to do so. Often, a you will be given a metro pass
(i.e. London Tube, Paris Metro, etc.) for your program.
IN TIMES OF A POLITICAL CONFLICT
Keep in touch with the current political situation by listening daily to the television or reading
the newspaper. In the event of an emergency, advisories may be made to the general public
through the media. In case of an emergency, remain in contact with your program director onsite staff. Register with the American Consulate nearest you.
When in large cities and other popular tourist destinations, be aware of your surroundings when
visiting places frequented by Americans; bars, discos, and U.S. fast food restaurants; branches
of American banks; American churches; American consulates or embassies; American cultural
centers.
Keep away from areas known to have large concentrations of residents sympathetic with interests
unfriendly to the U.S. and its allies. Consult with the program director before traveling around
your host city/cities.
Keep away from political demonstrations, which can easily result in clashes between
demonstrators and authorities, particularly those authorities seen as aligned with the US. If
you see a situation developing, resist the temptation to satisfy your curiosity and investigate
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what is happening. Return to your hotel and contact your program director.
Do not agree to newspaper or other media interviews regarding political conflicts or controversial
issues. It is important to remain as inconspicuous as possible. Do not make reference to your
program group. In such cases, always say “no comment” and hang up or walk the other way.
ALCOHOL AND DRUGS
It is important to keep the following in mind so that you don’t find yourself in a situation which could
put your personal health and safety in jeopardy, or lead to violation of the Code of Student Conduct
and/or local laws.
Do not consume large quantities of alcohol, particularly with people you do not know well in
public places like pubs, bars, or parties. You should be careful in public places where alcohol may
be consumed, and constantly aware of the fact that you are in another country with another set
of social customs. Until you are familiar with these customs, you should err on the cautious side.
If you consume alcohol, remember that your ability to make sound judgments is impaired, and
therefore you may be putting yourself in danger.
Many drugs are available in other countries over-the-counter that wouldn’t normally be available
in the U.S. Be certain when purchasing medication that you know the ingredients and understand
their effects, especially if you’re taking other medication.
Do not consume alcohol while taking any medication.
It is your responsibility to know what the drug laws are in the countries you visit. Drug laws vary.
It is important to realize, before becoming involved with illegal drugs, that you are not covered
by U.S. laws and constitutional rights while abroad. For information on drug penalties abroad
consult the U.S. State Dept.’s Consular Information Sheets: http://travel.state.gov.
RELATIONSHIPS
Entering into a relationship overseas should be approached with the same precautions as at home.
It can be very tempting to be charmed by the idea of a once-in-a-lifetime foreign romance, but you
should consider any relationship carefully, particularly when you are overseas. There are different
cultural values and rules regarding dating and relationships. Proceed cautiously, realizing that you are
in the country for only a short period of time. Evaluate your reasons for entering into a relationship.
Are you attracted to the individual or are you struggling with a strong bout of homesickness?
Please be aware that in any type of intimate relationship, you run the risk of acquiring a sexually
transmitted disease or AIDS, or becoming pregnant. This is not meant to scare you but rather to
help you to realize that it can and has happened. Be sure that you know the person very well before
developing a more intimate relationship and always demand that you both practice safe sex. Some
countries do not admit that they have an AIDS epidemic. Assume that AIDS is everywhere and take
precautions.
ADVICE ESPECIALLY FOR WOMEN
What may be appropriate or friendly behavior in the U.S. may bring you unwanted, even dangerous,
attention in another culture. Some cultures view eye-contact, or a smile, as an invitation to approach.
Observe how the host country’s women dress and behave and follow their example. Try not to take
offense at whistles and other gestures, regardless of whether they are compliments, invitations, or
insults. Ignore the gestures, but if your intuition tells you a situation is dangerous, then act as if it
is. A common stereotype of American women held by people in other countries is that all American
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women are promiscuous. Be extra careful with giving your trust. This applies generally, but is especially
important when traveling alone.
AVOIDING SEXUAL HARASSMENT AND SEXUAL ASSAULTS (FOR BOTH MEN AND WOMEN)
It is important that men understand and be sensitive to the kinds of problems women in their group
may face. Also, American men can be victims of sexual assaults overseas.
Be aware of how you carry yourself and dress. Even things as seemingly insignificant as smiling
and your stride will mark you as a foreigner. Avoid looking like a stereotypical American; dressing
fairly conservatively will help deflect at least some potential harassers (avoid wearing microminiskirts on the street, even if every local woman you see is wearing one!) In some countries,
normal American female dress could be viewed as that of a prostitute.
In many parts of the world, meeting a man’s gaze/making eye-contact is widely viewed as sexually
provocative, and you may be followed, verbally harassed, or touched as a result.
Usually the best response to unwanted stares, comments or touches is to ignore the harasser
and remove yourself from the situation quickly and calmly. Although verbal responses often
work, cursing your harasser in the local language or English may result in your being struck.
Avoidance is the safest tactic.
If you continue to be followed, spoken to, or touched after repeated attempts to get away, try
to remove yourself to a very public place. Tell your harasser firmly and calmly to leave you
alone. Sometimes threatening to get the police is effective, but sometimes the police are less
than supportive.
Do not judge the physical appearance of your local friends by American standards. You may be
inclined to trust someone because he or she is nicely or fashionably dressed, well-groomed,
self-confident and outgoing. Sometimes, however, the most fashionable people are those who
are the most skilled con-artists, or who make a mission of befriending Americans in order to
gain money, goods, passports, or sex from them. Be wary of smooth operators!
CULTS
Cults refer to religiously-oriented groups that may not have any affiliation with an established church.
Cults differ from traditional churches in a number of ways: they generally operate in a secretive way,
members’ personal possessions sometimes become the group’s property, and they may require
complete obedience from their members. Cult members try to recruit other members by offering
friendship, help, and answers to problems. They often choose people who appear lonely or confused,
because such people are believed to be more vulnerable to cult members’ ideas. Cults have similar
recruitment techniques as in the U.S. You should be wary of people who tell you they can provide
easy solutions to your problems, of people who seem excessively friendly and eager to help, of people
who urge you to join them because “everyone is doing it,” of people who push a sense of guilt on you
for not joining their organization, and of people who invite you to meetings or social events without
stating clear goals. Do not agree to go to any meetings or social events.
If approached, alert your program director immediately!
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what to bring
PASSPORT | You will need a valid passport. Obtaining the passport is your responsibility. It generally
takes four to eight weeks to process a passport application, but please be aware that the process may
take longer, especially during peak travel times. Many local post offices will accept applications for
passports. If you are in Poughkeepsie, you can go to the Dutchess County Office Building at 22 Market
Street (across from the Bardavon and a block south of the Mid-Hudson Civic Center). This office is
open Monday through Friday 9 am to 5 p.m.; 24 hour passport info can be obtained by calling (845)
486-2120 ext. 9. This office will take instant passport photos of you for an additional fee.
Complete information regarding U.S. passports (including application forms, where to apply, how
to obtain documentation, etc.) is available at the U.S. State Dept. Web site: http://travel.state.gov/
passport
Once you receive your passport, you should make three photocopies of the information page of your
passport. One copy will be for you to carry separately, in case your passport is lost or stolen. The
second copy should be sent to the MIP office for your file, and the third copy should be left at home
with your family. In the event of passport loss or theft, it is easier to obtain a new passport if you
have a copy of the lost one.
VISA | Obtaining a visa can be a long and complicated process. You cannot apply for your visa until
you have a passport. Apply now for your passport, if you don’t have one already!
AS SOON AS POSSIBLE, FIND OUT IF YOU NEED A VISA AND WHAT THE APPLICATION
PROCEDURE IS FOR OBTAINING ONE. Visa rules change constantly. Some consulate web sites
are included in the list at the end of this booklet. Information on how to obtain your visa will be
discussed during orientation
VISAS ARE APPLIED FOR, SOMETIMES IN PERSON, AT THE HOST COUNTRY’S CONSULATE OR
EMBASSY IN THE US.
IMPORTANT: NON US PASSPORT HOLDERS: If you are traveling on a passport other than a U.S.
passport, you should check with the nearest consulate of your host country to determine whether
a visa will be required. Do this as far in advance as possible. You should also check with the local
consulate of your home country to determine whether there are any passport or travel restrictions
of which you need to be aware. You also should determine whether you need to apply for a new
visa to re-enter the United States.
INTERNATIONAL STUDENT IDENTITY CARD (ISIC) | The ISIC verifies your student status and permits
you to obtain discounts at many museums and galleries, some culture/performing arts events, and
travel discounts. As a cardholder, you have access have access to a toll-free hotline that can provide
assistance should a medical, financial, or legal emergency arise while you are abroad. The card also
carries a small amount of health insurance and emergency medical evacuation coverage. Marist
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College can issue the ISIC card to students interested in these services. The basic card is available for
$22, while premium services are also available for higher costs. Please inquire with the MIP office
about ISIC card types. Visit the ISIC website for more information at http://www.isiccard.com/
STAYING IN TOUCH: PHONE CARDS, CELL PHONES, E-MAIL | Check with your U.S. long-distance
carrier to obtain an international calling card for calls back home, or ask a returned student about
low-cost phone cards which can be purchased in your host city. Phone card calls to the U.S. from
overseas can be expensive, but invaluable in an emergency.
More and more students abroad are acquiring mobile phones which allow them to make and receive
calls to and from the US. Minutes can usually be purchased as needed, so that you are not locked
into a contract. Set up a plan for staying in touch with your family and friends.
E-mail is relatively inexpensive, if not cost-free. E-mail access may be limited, depending on the host
institution’s computer facilities. Cybercafes can be found in most cities.
MONEY
TRAVELERS’ CHECKS | The safest way to carry money is in traveler’s checks, available through
American Express, Thomas Cook, Citicorp, Barclays Bank, Visa, and BankAmerica, among others.
With documentation/receipts, traveler’s checks can be replaced if lost or stolen. Some banks
provide free traveler’s checks to their account holders; otherwise the commission fee is usually
1% of the amount you purchase. NOTE: A good ‘backup’ if you cannot access cash or if you lose
your ATM/credit cards.
CREDIT CARDS | You should carry a major credit card (such as VISA) for emergencies. Keep
in mind that interest accrues for cash advances from day one, and often at a higher rate than
purchases.
ATM CARDS | Contact your bank to confirm that your ATM card and PIN number can be used
overseas, and at what locations (most ATM systems abroad support only a four-digit, numerical
PIN). Often, ATM cards can be used to get cash (in the local currency) easily, and at a better
rate than you may receive for traveler’s checks. You may only access your checking account
(not savings) with an ATM card.
MEDICAL INSURANCE CARD | Students will be covered through HTH Worldwide coverage while
abroad. Your program director will have a copy of your card while on the program. Information on
this coverage will be covered during orientation.
Share this information with your family. Keep a copy of your card in your wallet. Take information
about your family insurance coverage with you as well.
BIRTH CERTIFICATE | Bring a photocopy of your birth certificate, if possible. It is handy to have in
case your passport should be lost or stolen and you have to replace it.
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AIRLINE E-TICKET | Before departing, information on your airline e-ticket will be given to you. Keep
this information safe and share with your parents. You should print out a copy to bring with you to
the airport. You will need your passport when checking in at the airline counter.
LUGGAGE AND PACKING | Take bags that are light, easy to carry, and sturdy. If you’re buying
luggage for this journey, choose bags that are soft-sided and made of heavy-grade nylon or similar
material. Buy luggage wth wheels as you will be moving a lot (in the airport, while checking in). You
are responsible for carrying your own luggage.
Pack light! The more you carry with you, the harder it will be to move about through the airport or
while checking in.
Divide your load. Remember that you can carry something over your shoulder or on your back, which
leaves one hand free for doors, etc. The best set of luggage might include one large suitcase, one
smaller bag or backpack, and one shoulder-type bag. Carry your travel documents and valuables
in a waist pack or money belt. NEVER PACK VALUABLE IN ANY LUGGAGE YOU PLAN TO CHECK-IN!
PACKING
Label your luggage (inside and outside) with your name, destination address and telephone.
Remember to pack with the realization that you will be carrying these bags when you get off
the plane and you will be carrying them if you travel after the program.
Do not lock your luggage!
Do not pack valuables (cameras, money, jewelry, items with sentimental value, etc.) in checked
baggage. Don’t carry valuables (such as jewelry) that can’t be replaced.
Pack essentials in your carry-on. Just in case your bags go astray, pack a few toiletries, any
prescription medications you need to take, an extra pair of underwear, change of clothing—
anything you can’t live without for a day or two—in your carry-on. If your baggage does not
arrive when you do, file a claim with the airline before you leave the airport.
In a waist or neck pouch, pack your passport/visa, airline tickets, money/checks, credit/ATM
cards, phone card, letter verifying participation in Marist International Programs, and address/
directions of where you need to go upon arrival.
Know what current airport rules are for carry-on items. Visit www.tsa.dhs.gov for information
— Transportation Security Administration.
Watch your bags and do not agree to carry packages/items for anyone else.
LUGGAGE RESTRICTIONS | All airlines have restrictions on the size, weight, and number of luggage
items that you can take without incurring additional, and significant, expense. Visit your airline’s
web site for specific information on luggage restrictions.
WHAT TO BRING (MORE SUGGESTIONS)
e-mail addresses of key people on campus (e.g., MIP coordinator, academic advisor)
comfortable shoes
jeans, sweaters, etc.
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dressy outfit(s) for theater, special events, etc.)
warm winter coat, gloves, scarf, etc. as appropriate
raincoat & umbrella (or purchase umbrella overseas)
bathrobe
toiletries (toothbrush, toothpaste, shampoo, etc. - sometimes more expensive abroad)
contact lens supplies for entire stay abroad, extra set of lenses
prescription eyeglasses (in case contact lenses fail)
an adequate supply of prescription medication to last the semester/year
camera, film, batteries
sunglasses
bathing suit
dictionary (and a handbook of verb conjugations for foreign language students)
travel guide (e.g., Let’s Go, Fodor’s, — see travel section of any bookstore)
journal for recording experiences, thoughts, etc.
wind-up alarm clock (electric will not work properly with different electric current)
sports gear (if you plan to exercise while abroad)
foreign voltage converter (and/or plug adapter) for electronic equipment
WHAT NOT TO BRING
electrical appliances (e.g., hairdryers, electric radios/alarm clocks, etc.) because problems arise
from differences in electrical current, even with adapters.
clothing you might wear, because you won’t!
clothing that needs dry-cleaning and/or ironing
expensive or precious items
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FLIGHT ARRANGEMENTS | MIP makes
flight arrangements for most shortterm programs. Information on the
flight schedule will be provided during
orientation. For programs where MIP does
not make flight arrangements, students
will be instructed on the when/where/
how to do so.
ARRIVING EARLIER/LEAVING LATER |
A small number of students may elect
to arrive earlier or depart later than the
group, depending on group reservations
and restrictions. You should speak with
the short-term program coordinator as
soon as possible if this is something you
are thinking about.
Students arriving before or departing later
than the group are responsible for any
difference in airfare charges, and for hotel
accommodations, meals, etc. until the
program start date or after the end date.
CONFIRM YOUR FLIGHT | Confirm your
flight with the airline before heading to
the airport. Many airlines now offer text
messaging services that will notify you if
a flight is delayed, cancelled or on time.
TRAVEL INSURANCE | MIP requires all
participants on a short-term program to
have travel insurance, which is included in
the program fee. Details on the coverage
will be discussed during orientation.
TSA | The Transportation Security
Administration coordinates the services
of security officers, inspectors, directors,
air marshals and managers to protect the
nation’s transportation systems. Visit www.
tsa.gov for information on current security
regulations, banned items, and for tips on
what to expect at security check points.
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health issues
BEFORE YOU GO
MEDICAL INSURANCE | Adequate medical and accident insurance must be carried by each student.
Marist College provides limited accident and sickness insurance coverage designed specifically for
American students abroad. The premium for this insurance is included in the program fee.
Please take the time to review the summary of insurance coverage enclosed with this booklet, as
well as the health insurance coverage you may already have and what it includes. Keeping in mind
that all students have varying medical needs and that each host site will not have the same health
care services, you need personally to make an assessment of your needs. A few important questions:
Does the insurance cover students engaged in international education while outside their home
country? Are there limitations?
What is the maximum sickness and injury benefit?
Are pre-existing conditions covered?
Are accidental death and dismemberment covered? Does the policy cover repatriation of remains
and if so, what is the maximum payable?
Does the policy cover emergency medical transportation/evacuation and if so, what is the
maximum payable? Are there limitations?
The International Student Identity Card (ISIC) which was described earlier in this booklet also includes
health/accident, repatriation and medical evacuation coverage. A summary of the coverage is provided
with the ISIC card, and is available at www.myisic.com.
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MARIST COLLEGE STUDENTS | Please note that while abroad you will NOT have the medical
insurance coverage through Marist.
VISIT YOUR DOCTOR AND DENTIST | It is strongly recommended that you have a thorough medical
and dental checkup as soon as possible and at least two months pre-departure to allow time for
any tests your doctor may order, or for scheduling follow-up visits for treatment, vaccinations, etc.
Study abroad can be stressful both physically and mentally. A healthy mind and body are essential to
a successful study abroad experience. If you are experiencing any physical or emotional problems,
please address them before leaving the U.S. If you haven’t been feeling well, make an appointment
with your doctor for a check-up; if you anticipate any dental work (e.g. extraction of wisdom teeth),
get it done before departure; if you are experiencing any emotional, eating, or substance abuse
problems, seek professional advice and consider deferring your participation in an overseas program
until you have the problem well under control. The sorts of pressures which lead to eating disorders,
emotional, and dependency problems are only exacerbated when you are coping with adjustment
to a new culture, language, and way of life. Leaving the country will not make your problems go
away — if anything, it will make them worse.
The range of counseling services available to students on the Marist College campus and most U.S.
college campuses will probably not be available overseas. Many insurance policies, if they reimburse
for counseling services at all, may not do so for services obtained overseas. In the event that
appropriate counseling is unavailable overseas, you will be advised to withdraw from the program
and return home.
For your safety and well-being, it is vital that you inform us of any physical, emotional, or psychological
difficulties or special needs you may have on the Special Needs form provided by the MIP. On the
other hand, if you are simply nervous about experiencing a different culture, don’t worry. You are
not alone. Stop by or call our office to talk about your concerns.
WHICH SHOTS TO GET BEFORE GOING OVERSEAS? | Ask your physician. Also, consult the Center
for Disease Control and Prevention Web site which provides information on vaccinations for travel
abroad, as well as other information: http://www.cdc.gov/travel/travel.html
OBTAIN COPIES OF YOUR PRESCRIPTIONS | You should be sure to bring copies of prescriptions for
any medications you may need and for glasses or contact lenses if you wear them. Since medications
tend to be expensive overseas and because it sometimes can be difficult to get the appropriate
equivalent medication, we recommend that you BRING AN ADEQUATE SUPPLY OF WHATEVER
MEDICATIONS YOU MAY USE WHILE ABROAD. Any medications you bring should be in the original,
properly-labeled containers. If you wear glasses or contact lenses, bring an extra pair in case you
lose or damage your original pair.
SOME WEB SITES WITH TRAVEL HEALTH TIPS
HTH Insurance
http://www.hthstudents.com/
International Travel Health Consultants (Office in Poughkeepsie)
http://www.globaltraveler.com/
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money matters
“When preparing to travel, lay out all your clothes and all your money.
Then take half the clothes and twice the money.”
- Susan Heller
DETERMINE YOUR BUDGET FOR YOUR PROGRAM | You will find it helpful if you put together an
estimated budget for your program. Airfare, accommodations, health insurance, travel insurance,
site visits (i.e. museums, historical/cultural monuments, etc.), program-related local transportation,
metro pass (when applicable), breakfast (at hotel) and one group meals. You should plan to bring
additional money to cover 2 meals per day (lunch and dinner) and personal expenses, and any other
costs not included in your program fee.
CONFIRM FINANCIAL ASSISTANCE | Students should consult their financial aid advisors as early
as possible prior to departure.
If you use a federal student loan or parent loan or any credit-based loan to help finance your
program costs, you should apply early, as it takes time to collect and complete all loan application
materials. Disbursements of loan funds are made after the start of the semester in most cases.
Do not count on having the proceeds of a loan available to use for living expenses on-site.
MARIST COLLEGE STUDENTS | For Spring Break and Attachment Programs: A cost sheet will be sent
to Student Financial Services for your short-term program. Additional financial aid may be available,
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but you will need to address this with a SFS representative.
VISITING STUDENTS | Meet with your study abroad advisor or financial aid officer at your home
institution to initiate a study abroad consortium agreement between Marist College and your home
institution. This agreement will allow your home institution to support you with financial aid while
you participate in Marist International Programs. Visiting students should send all financial aid
documents directly to Marist International Programs Office.
If you are receiving loans or other financial assistance for your semester/year abroad through your
home institution, please submit, as soon as possible, the completed “Non-Marist Student Financial
Aid Promissory Note” (included in your acceptance packet). The completed form must indicate the
amount, types, and estimated date for disbursement of aide. The Marist College Student Accounts
Office can then tentatively credit your Marist College account for the portion of the program fee to
be covered by financial assistance.
If you do not submit this information, your account may not be settled and it may be subject to
late fees. If financial aid funds create a credit balance on your account, refunds will be sent to your
home institution upon request unless you have made separate payments equal to or in excess of
the amount of overpayment.
WINTER PAYMENT SCHEDULE
Tuition charges (3-credits) are not included in the program costs. SFS will send out invoices for Winter
Intersession in early December. Payment is due immediately.
Alternative loans are available for winter intersession programs. Visit the SFS website at http://www.
marist.edu/financialaid for information on alternative loans.
SPRING BREAK AND ATTACHMENT PAYMENT SCHEDULE.
Program cost is included with the spring tuition bill and is payable by the Spring bill due date which
is early January. Tuition for your course can be part of your spring course load. If you decide to
take this course in addition to your regular full-time course load (16 credits maximum), you will be
responsible for any additional per-credit charges.
Tuitionpay offers a spring only monthly payment plan option. Contact 1.800.635.0120 Or visit their
website at www.Tuitionpay.Com for additional Information. Spring plans can be spread over four (4)
months, and can be Set up in November with first payment due in December.
PAYING YOUR PROGRAM FEE | Payments can be made online by check or credit card at must
do so online at http://www.marist.edu/financialaid/payment.html. Note that you must place your
payment into the appropriate term (i.e. winter or spring) for correct billing. NOTE: A 2% convenience
fee is assessed for all credit card transactions.
COURSE REGISTRATION | MIP cannot register you for your short-term program course without
financial clearance.
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PAYMENT DEADLINES | Payment deadlines are set by the Marist College Office of Student Financial
Services (SFS) and Marist International Programs (MIP). Students are responsible for settling their
accounts by the deadline. Students who have not made satisfactory financial arrangements by the
deadline may be dropped from the program.
FINANCIAL ASSISTANCE | If you will receive financial assistance for your short-term program, you
must pay the balance that is not being covered by aid.
Be mindful of financial aid application deadlines and arrangements pre- and post-departure.
READ THE POLICY ON REFUNDS | A copy of MIP’s Policy on Refunds can be found at the end of
this handbook. You and your parents should read this information carefully so that you understand
the terms under which your short-term program operates.
HOW MUCH MONEY SHOULD I BRING? | One of the hardest questions we are asked is, “How much
spending money do I need for my semester abroad?” The answer is as varied as the students who
travel abroad. Students have made it on a shoestring budget; most spend between $700 - 1,000.
A few spend more lavishly: $2,000 or more on shopping and other activities while abroad. It is also
dependent on your short-term program location.
Remember: There are two things you can do with your money, you can buy things or do things.
Material things are much less important in the long run – experiences passed up while abroad make
for long-term regrets.
It is not true that the more money you have the more you will enjoy your trip! Keep these variables
in mind as you build your personal budget:
The fees you pay for your short-term program include: airfare, accommodations, meals (lunch
and dinner), program-related local travel, site visits (i.e. museum, historical/cultural venues)
metro (where applicable), program excursions, health insurance and travel insurance.
Additional money you’ll need will depend a great deal on the country/city you’ll be in, as the
cost of living varies greatly from place to place.
Exchange rates vary.
Evaluate your expenses here in the US. How much do you spend on going out? How much
on personal items? (i.e., souvenirs, clubs, eating out, etc.). Keep these things in mind as you
estimate your cost of living abroad.
PURCHASES ABROAD
GIFTS | How much on Mom and Dad? Big family? Lots of friends? (Bring small gifts significant
of the U.S. for the host family, or people you’re bound to meet overseas. Flowers are the custom
when invited to someone’s home.)
SOUVENIRS | A sweater from Ireland, a leather jacket from Spain, a mask from the far east….
LOCAL TRANSPORTATION | Taxis, buses, subways, etc. The cost of the “tube” in London can be
a shock and deplete reserves. Sometimes a walk can put you into another “zone” with lower
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fares. In some cities mass transportation is a bargain.
PERSONAL ITEMS | Toiletries, clothing, medicines, etc.
FOOD AND BEVERAGE | Meals out and during travel, pubs, etc.
POSTAGE or INTERNET | Post cards are costly, stamps no bargain. Aerograms are the best deal.
Figure on $1.00-2.50 for each sending. A cybercafe will give you internet access for a fee by
the minute or hour.
FILM | Best bought in the USA. Film and processing overseas is expensive.
STAYING ON? | If you plan to stay on after the program ends, your expenses will go up (unless
you are staying with friends or relatives).
MORE HINTS FOR KEEPING COSTS DOWN
walk whenever you can (you’ll see more and feel better too),
hand wash laundry,
don’t get caught up in the “keep-up-with-the-Joneses” syndrome which often infects groups,
if your hotel room has a refrigerator, shop for groceries for lunches or dinners rather than
eating out,
keep a record of where your money is going,
plan ahead. Study your guidebook. If you know what you want to do and see before you go,
you won’t waste time and money in your host city. Read, talk to those who have been there
before, and pay attention to documentaries and TV news about places you might like to visit.
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appendices
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10 commandments of travel
THE TEN COMMANDMENTS OF TRAVEL
1. Thoushallnotexpecttofindthingsasthouhastathome,forthou
hastlefthometofindthingsdifferent.
2. Thoushallnottakeanythingtooseriously,foracarefreemindisthe
startofagoodtrip.
3. Thoushallnotletothertravelersgetonthynervesordistractthee
fromtheyplans,forthouhastpaidgoodmoneyforthistrip.
4. Remembertotakehalfasmanyclothesasthouthinkestandtwice
themoney.
5. Knowatalltimeswherethypassportis,forapersonwithouta
passportisapersonwithoutacountry.
6. Rememberthatifwehadbeenexpectedtostayinoneplace,we
wouldhavebeencreatedwithroots.
7. Thoushallnotworry,forhethatworriethhathnopleasure,andfew
thingsarethatfatal.
8. WheninRomebepreparedtodosomewhatastheRomansdo.
9. Thoushallnotjudgethepeopleofthecountrybythepersonwho
hathgiventheetrouble.
10. Givenottrouble.Rememberthouareaguestinotherlandsandhe
thattreatshishostwithrespectshallbehonored.
25
26
Claims are to be submitted to HTH Worldwide, Attn: International Claims, One Radnor Corporate Center,
Suite 100, Radnor PA 19087, USA. See the hthstudents.com website for claim forms and instructions on
how to file.
Claims Submission
Pre-existing conditions are covered under this plan.
Limitations
Expenses incurred in excess of Reasonable Expenses.
Services or supplies that the Insurer considers to be Experimental or Investigative.
Expenses incurred for Injury resulting from the Covered Person’s being legally intoxicated or
under the influence of alcohol as defined by the jurisdiction in which the Accident occurs. This
exclusion does not apply to the Medical Evacuation Benefit, to the Repatriation of Remains
Benefit and to the Bedside Visit Benefit.
4. The voluntary use of illegal drugs; the intentional taking of over the counter medication not in
accordance with recommended dosage and warning instructions; and intentional misuse of
prescription drugs. This exclusion does not apply to the Medical Evacuation Benefit, to the
Repatriation of Remains Benefit and to the Bedside Visit Benefit.
5. Self-inflicted Injuries while sane or insane; suicide, or any attempt thereat while sane or
insane. This exclusion does not apply to the Medical Evacuation Benefit, to the Repatriation of
Remains Benefit and to the Bedside Visit Benefit.
6. Plastic or cosmetic surgery, unless they result directly from an Injury which necessitated
medical treatment within 24 hours of the Accident.
7. Treatment to the teeth, gums, jaw or structures directly supporting the teeth, including surgical
extraction’s of teeth, TMJ dysfunction or skeletal irregularities of one or both jaws including
orthognathia and mandibular retrognathia, unless otherwise noted.
8. Expenses incurred in connection with weak, strained or flat feet, corns or calluses.
9. Outpatient treatment for specified therapies including, but not limited to, Physiotherapy and
acupuncture which does not follow a covered Hospital Confinement or surgery.
10. Loss due to an act of war; service in the armed forces of any country or international authority
and participation in a: riot; or civil commotion.
11. Riding in any aircraft, except as a passenger on a regularly scheduled airline or charter flight.
12. Under the Accidental Death and Dismemberment provision, for loss of life or dismemberment
for or arising from an Accident in the Covered Person’s Home Country.
1.
2.
3.
Unless specifically provided for elsewhere under the Plan, the Plan does not cover loss caused by
or resulting from, nor is any premium charged for, any of the following:
What is not covered?
This pamphlet contains a brief summary of the features and benefits for insured
participants covered under Policy No.BCS-3269-A-14. This is not a contract of
insurance. Coverage is governed by an insurance policy issued to the Global
Citizens Association, which Marist College has agreed to join. The policy is
underwritten by BCS Insurance Company, Oakbrook Terrace, IL, NAIC #
38245, under policy Form 28.322. Complete information on the insurance is
contained in the Certificate of Insurance on file with the school. If there is a
difference between this program description and the certificate wording, the
certificate controls.
100 Matsonford Road
One Radnor Corporate Center
Suite 100
Radnor, PA 19087 USA
Call: 610.254.8700
Fax: 610.293.3529
Email: customerservice@hthworldwide.com
Blanket Student Accident and Sickness Insurance
Study Abroad Plan
2014 – 2015
Marist College
MARIST INTERNATIONAL PROGRAMS
STUDENT HANDBOOK
hth worldwide healthcare
27
Once Eligible Participants receive their Medical Insurance ID card from HTH Worldwide, they should visit
hthstudents.com, and using the certificate number on the front of the card, sign in to the site for
comprehensive information and services relating to this plan. Participants can track claims, search for a
doctor, view plan information, download claim forms and read health and security information.
hthstudents.com
The Insurer will reduce the amount payable under the Policy to the extent expenses are covered under any
Other Plan. The Insurer will determine the amount of benefits provided by Other Plans without reference to
any coordination of benefits, non-duplication of benefits, or other similar provisions. The amount from Other
Plans includes any amount to which the Covered Person is entitled, whether or not a claim is made for the
benefits. The Policy is secondary coverage to all other policies.
Excess Coverage
All Eligible Participants are entitled to Global Assistance Services while traveling outside of the United
States. In the event of an emergency, they should go immediately to the nearest physician or hospital
without delay and then contact HTH Worldwide. HTH Worldwide will then take the appropriate action to
assist and monitor the medical care until the situation is resolved. To contact HTH Worldwide in the event of
an emergency, call 1.800.257.4823 or collect to +1.610.254.8771.
What to do in the event of an emergency
Coverage for an Eligible Participant and their Eligible Dependents will automatically terminate on the
earliest of the following dates: 1.) The date the Policy terminates; 2) The Organization’s or Institution’s
Termination Date; 3) The date of which the Eligible Participant ceases to meet the Individual Eligibility
Requirements: 4) The end of the term of coverage specified in the Eligible Participant’s enrollment form; 5)
The date the Eligible Person permanently leaves the Country of Assignment for his/her or her Home
Country; 6) The date the Eligible Participant requests cancellation of coverage (the request must be in
writing); or 7) The premium due date for which the required premium has not been paid, subject to the
Grace Period provision. 8) The end of any Period of Coverage.
When does coverage end?
Thereafter, the insurance is effective 24 hours a day, worldwide. In no event, however, will insurance start
prior to the date the premium is received by the Insurer.
Coverage for an Eligible Participant and their Eligible Dependents starts at 12:00:01 a.m. on the latest of
the following:
1) The Coverage Start Date shown on the Insurance Identification Card; 2) The date the requirements in
Section 1 – Eligible Classes are met; or 3) The date the premium and completed enrollment form, if any, are
received by the Insurer or the Administrator.
When does coverage start?
All regular, full-time and part-time Eligible Participants and their Eligible Dependents of the educational
organization or institution who:
1. Are engaged in international educational activities; and 2. Are temporarily located outside his/her Home
Country as a non-resident alien; and 3. Have not obtained permanent residency status.
Who is eligible for coverage?
$250,000
$250,000
$0 per Injury or Sickness
Maximum Benefit: Principal Sum up to $10,000 for
Participant; up to $5,000 for Spouse; up to $1,000
per Child(ren)
Maximum Benefit up to $25,000
Maximum Lifetime Benefit up to $75,000
Up to a maximum benefit of $3,000
Limits – Covered Person
Indemnity Plan Limits
100% of Reasonable Expenses
Hearing Services
Routine nursery care of a newborn child of a
covered pregnancy
Repairs to sound, natural teeth required due
to an Injury
Outpatient prescription drugs
Medical treatment received in the Home
Country, if NOT covered by Other Plan
Treatment of specified therapies, including
acupuncture and Physiotherapy
Outpatient treatment of mental and nervous
disorders including drug or alcohol abuse
Maternity Care for a Covered Pregnancy
Inpatient treatment of mental and nervous
disorders including drug or alcohol abuse
MEDICAL EXPENSE
Reasonable Expenses
Reasonable Expenses for a maximum period of 30
days per Period of Coverage.
Reasonable Expenses up to $1,500 Maximum per
Period of Coverage for a maximum period of 30 visits
per Period of Coverage.
Reasonable Expenses up to $10,000 Maximum
combined total for Inpatient and Outpatient care, up
to 30 days immediately following the attending
Physician’s release for rehabilitation following a
covered Hospital confinement or surgery per Period
of Coverage
Reasonable Expenses up to $500 Maximum per
Period of Coverage
100% of Reasonable Expenses up to $500 per Period
of Coverage maximum
100% of actual charge
100% of Reasonable Expenses up to $10,000 Period
of Coverage
100% of Reasonable Expenses up to $1000 per
individual hearing aid per ear every 3 years for
covered Dependent Children under age 24.
Limits – Covered Person
Benefits listed below are subject to Lifetime Maximums, Annual Maximums, Maximums per Injury and
Sickness, Co-Insurance, Deductibles, Out-of-Pocket Maximums; and Table 2 Plan Type Limits
Schedule of Benefits – Table 3 – Medical Expense Benefits
Physician Office Visits, Inpatient Hospital
Services, Emergency Hospital Services, Hospital
and Physician Outpatient Services
Schedule of Benefits – Table 2 – Medical Expenses
REPATRIATION OF REMAINS
MEDICAL EVACUATION
BEDSIDE VISIT
ACCIDENTAL DEATH AND DISMEMBERMENT
MEDICAL EXPENSES
Period of Coverage Maximum Benefits
Maximum Benefit per Injury or Sicknesses
Period of Coverage Deductible
Schedule of Benefits – Table 1
What is covered by the plan?
MARIST INTERNATIONAL PROGRAMS
STUDENT HANDBOOK
hth worldwide healthcare
MARIST INTERNATIONAL PROGRAMS
STUDENT HANDBOOK
policies & statements
1.
2.
3.
4.
5.
6.
7.
8.
9.
I authorize Marist International Programs (MIP) to release my name photograph, address, telephone number, and e-mail address to faculty/staff, and to current and prospective program
participants. I authorize MIP to use photographs I provide from my study abroad in marketing
and promotional materials for study abroad and other college activities and programs. I understand that I retain all copyright and ownership of my photographs.
I authorize Marist College to forward copies of my Marist College transcript, MIP application
and academic record (and related documents) to Marist International Programs administrators
and affiliates overseas. I understand that Marist College affiliates have the ability to approve
or deny an application.
I agree to immediately notify Marist International Programs in writing if I no longer wish to be
considered for acceptance to a program abroad, or should I decide to cancel my enrollment for
any semester for which I have been accepted.
I agree that I am personally responsible for my conduct. I agree to abide by the laws of the
country I visit. I understand that Marist College and Marist International Programs have no
obligation to intercede or undertake to protect me from the legal consequences of violations
of laws for which I am responsible.
5. I understand that possession or use of illegal drugs in any form is not tolerated. Laws state
that possession or use of illegal drugs is punishable by fine, imprisonment, and/or deportation.
I understand that program students found using or possessing illegal drugs in any form are
subject to immediate expulsion. I agree to bear the costs of return transportation in this case,
and to accept the withdrawal policy of the program.
I understand that in becoming a MIP participant I am subject to MIP, Marist College, and affiliate institution rules and regulations regarding conduct, scholarship, and full participation
in the program. I will comply with all reasonable directions and instructions by the program
administrators. If placed with a host family, I will comply with all reasonable rules of the family.
I understand that, due to the special nature of off-campus programs, the onsite administrators
reserve the right to effect the return to the home campus of any student who is not meeting
the standards of scholarship or conduct of the program. I agree to bear the costs of return
transportation in this case, and to accept the withdrawal policy of the program.
I understand that Marist College cannot be held responsible for any injuries, loss, or damage
to my person or property.
Marist College reserves the right to alter or cancel any course or program at anytime when
deemed appropriate due to unforeseen circumstances.
I certify that I have adequate means of financial support, and I accept final responsibility for
payment of tuition and fees associated with the program. I understand that Marist College fees
and charges are due before the departure date, or each semester start date. I agree to pay or
make arrangements suitable to Marist College for payment of all fees and charges by the settlement deadline set by the Marist College Office of Student Financial Services. I have read the
program refund policy and agree to abide by its conditions.
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MARIST INTERNATIONAL PROGRAMS
STUDENT HANDBOOK
PAYMENT AND FINANCIAL AID POLICY
I understand that Marist College fees and charges are due before the departure date, or each
semester start date.
I agree to pay or make arrangements suitable to Marist College for payment of all fees and
charges by the settlement deadline set by the Marist College Office of Student Financial
Services.
I promise to pay Marist College any balance remaining if, for any reason, the estimated
financial aid is not posted to my account.
INFORMATION REGARDING NEW YORK STATE SCHOLARSHIPS
New York State Scholarship (including TAP) award letters are not a guarantee that the student
will be eligible for the award. Colleges have to verify residency, full-time status, GPA, and
appropriate academic progress. Please see the Marist webpage for NYS Scholarship (TAP)
eligibility criteria at http://www.marist.edu/registrar/tap.pdf.
It is the student’s responsibility to understand and maintain eligibility requirements.
Regulations for certifying New York State Scholarships (including TAP) include a review of the
student’s semester schedule of courses. Marist College cannot certify the scholarship, nor can
the funds (if certified) be credited to the student’s tuition account until the student’s course
enrollment is available for review.
Students must e-mail their semester course enrollment to their Coordinator in the Marist
Abroad office as soon as registration is finalized at their host campus.
PROGRAM WAIVER
This program involves studying and living in a dormitory, apartment or with a host family in the host
city. Group excursions and social/cultural activities are sometimes offered to participants. Some
trips may be overnight and most will involve transportation on a bus and/or train. The undersigned
fully understands that there are certain dangers, hazards, and risks inherent in international travel,
the group excursions, and in the activities included in the program and have signed this document
in full recognition and appreciation of the dangers of these activities, which dangers include, but
are not limited to, physical injuries (minimal, serious, catastrophic) and/or property loss or damage.
The Undersigned expressly acknowledges that the participant is not required to participate in this
Marist College program, but chooses to do so. The Undersigned therefore agrees to assume and take
on all responsibilities in any activities associated with the Marist College program. In consideration of,
and in return for, the service, facilities and other assistance provided to participants by Marist College
or its partner institutions (and their governing boards, employees, and agents) I, the undersigned,
along with any of our assignees, heirs, distributees, guardians, and legal representatives release
Marist College and its partner institutions from any and all liability, claims and actions that may
arise from injury, harm or death to the Undersigned and from loss or damage to the Undersigned’s
property in connection with these activities. The Undersigned understands that this release covers
liability, claims and actions caused entirely or in part by any acts or failure to act by Marist College,
including but not limited to negligence, mistake, or failure to supervise by Marist College or any of
their employees, agents, or contractors.
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MARIST INTERNATIONAL PROGRAMS
STUDENT HANDBOOK
PRIVACY POLICY
Marist College is fully committed to respecting the privacy of all applicants to our programs. The
information that you provide on your application will be used only for the purpose of carrying out
your interest in applying for a Marist International Programs. Your personal information will not be
shared with any third party.
CERTIFICATIONS
I certify that I have carefully considered each question on this application and that my statements are
true and complete to the best of my knowledge. I accept as binding any and all conditions that normally
apply to undergraduate admission to Marist College and Marist International Programs. Furthermore,
I understand that Marist College may refuse or revoke, without showing cause, admission to any
student prior to enrollment if it is deemed necessary or advisable in the judgment of Marist College.
DROPPING A COURSE/PROGRAM
A $300.00 cancellation fee will be charged when dropping a course/program during late add/drop.
This will be in addition to any charges already incurred on your behalf.
POLICY ON REFUNDS
WITHDRAWAL DATE
AMOUNT OF REFUND
•
More than 30 days prior to the official arrival
date of the program.
•
75% of the Program Fee except program
deposit and any non-recoverable fees
assessed to Marist College
•
Between 15-29 days prior to the official
arrival date* of the program.
•
50% of Program Fee except nonrefundable
deposit and any non-recoverable fees
assessed to Marist College
•
14 days to official arrival date
•
NO REFUND
* Non-recoverable fees include any costs incurred by Marist to secure a student’s spot on the overseas
program. No refunds will be made where Marist is unable to recover tuition, housing, excursion, orientation,
etc. costs from the overseas program.
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MARIST INTERNATIONAL PROGRAMS
STUDENT HANDBOOK
basic questions
BASIC QUESTIONS
Here are some basic questions about your host country and culture. Write down the
answers to as many as you can.
1.
How many people who are prominent in the affairs (politics, athletics, religion,
2.
Who are the country's national heroes and heroines?
3.
What is the attitude toward divorce? Extramarital relations?
4.
What is the attitude toward drinking?
the arts, etc.) of your host country can you name?
5.
How do people organize their daily activities?
6.
What is the normal meal schedule?
7.
Is there a daytime rest period?
8.
What is the customary time for visiting friends?
9.
What foods are most popular and how are they prepared?
10. What things are taboo in this society?
11. What is the usual dress for women? Men?
12. If you are invited to dinner, should you arrive early? On time? Late? If late, how
late?
13. On what occasions would you present gifts to people in the country?
14. How do people greet one another? Shake hands? Embrace or kiss? How do
they leave one another? What does any variation from the usual greeting or
leaving-taking signify?
15. What are the important holidays? How are they celebrated?
16. What kinds of television programs are shown?
17. What is the normal work schedule? (start/end/lunch times?) How many days
comprise the work week?
18. What kinds of local public transportation are available? What do they cost?
19. Is military training compulsory?
20. Are the host country newspapers generally friendly in their attitude to the U.S.?
21. What kinds of health services are available? Where are they located?
22. Is education free? Compulsory?
Questions adapted from chapter 14. "Let's play fifty questions" in L. Robert Kohls' Survival Kit for
Overseas Living, 2nd Edition, 1984, Intercultural Press, Inc.
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Marist International Programs
Marist College
Hancock Center 2007
3399 North Road
Poughkeepsie, NY 12601-1387
845.575.3330 tel
845.575.3294 fax
www.marist.edu/international
international@marist.edu