Foreign Travel
Insurance Program
2015-16
Educating students to shape their lives, their
professions, and their societies.
Insurance Program Designed To Protect
• M.U.S.I.C. Member Universities, a Member of
the Michigan Universities Self-Insurance
Corporation “M.U.S.I.C.” was established in
1987
• M.U.S.I.C. is an insurance and risk management
facility that consists of 11 public Michigan
Universities.
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Foreign Travel
Insurance Program
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Excess Foreign General Liability
Foreign Property
Excess Foreign Automobile Liability
Foreign Workers’ Compensation
Travel Accident and Sickness
Travel Emergency Assistance
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Persons Insured
• General Liability - Employees, Faculty, Student Teachers,
Officers, Volunteers, Board Members and Students
participating in University sanctioned programs if they are
acting on behalf of the University
• Auto Liability - Any Person authorized by the Insured
• Workers Compensation - US Employees Traveling overseas
• Travel Accident & Sickness - Employees, Faculty, Students,
Spouses, Children, Board Members, Directors, Officers
without regard if registered with Study Abroad.
• Persons over 70 years of age must be designated with the
insurance carrier
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Coverage Territories
• GL, Auto, Travel Accident – an occurrence or
an accident other than in the United States
(including its territories and possessions),
Puerto Rico, & Canada.
• Claims occurring in a territory or country,
which is in violation of any applicable US
Treasury Department economic, trade or
"OFAC" sanctions, enforced by the US Treasury
Department are not covered.
Insurance Coverage Applies
• Liability losses occurring overseas and claims
brought overseas against the University.
• Lawsuits brought in the country where the loss
took place not in the US.
• Medical care needed overseas and travel
assistance overseas only.
• US and territories (Canada, Puerto Rico) are not
covered by this contract but are covered under
the University’s other casualty policies.
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Insurance Coverages
• Foreign Commercial General Liability
– Bodily Injury and Property Claims as a Result
of Occurrences overseas
– Legal Liability Protection
– Third Party Lawsuits for losses brought outside
of the U.S.
– Provides Defense
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Insurance Coverages
• Foreign Property
– Coverage for University Property owned overseas
– Deposit Fee Reimbursement – Crisis Event required to
trigger coverage. Covers nonrefundable deposits
– Study Abroad tuition Fee Reimbursement – Crisis
Event required to trigger coverage. Covers tuition that
the Institution is required to pay back to the students
– Crime coverage - Employee Dishonesty
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Insurance Coverages
• Excess Foreign Business Auto Liability
– Bodily Injury and Property Damages Caused By An
Accident
– Using Hired, Rented, & Non-Owned Vehicles
– Legal Liability Protection
– Third Party Lawsuits
– Provides Defense
– Physical Damage Insurance (comprehensive or
collision)
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Auto Liability – What You Must Do
• Purchase all maximum coverage from the local
foreign country with liability limits NO less than:
• US $100,000 each person, bodily injury
• US $100,000 each accident, bodily injury
• US $100,000 property damage
• You warrant that all travelers renting vehicles will buy this
insurance whether the country requires it or not. If it is not
purchased then you will have a $100,000 deductible
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Insurance Coverages
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Foreign Workers’ Compensation
– US & North American Employees (which includes foreign
employees in the USA traveling with groups outside of USA)
– During Incidental Business Trips
– Outside the USA & Canada
– State of Hire Statutory Benefits Apply
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Insurance Coverages
• Travel Accident and Sickness
– Outside the US, Canada, & Puerto Rico
– Accidental Death & Dismemberment
– Accident & Sickness Medical Expenses excess of any health
insurance in place
– Emergency Medical Evacuation
– Emergency Family Travel
– Repatriation of Remains
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Travel Accident & Sickness
Limits/Exclusions
• Pre-existing medical conditions
• Damaged eye glasses or contacts are not insured
• Injury resulting from athletic participation in any professional, semiprofessional, or interscholastic team sport unless sanctioned by NCAA
and NCCA coverage would apply first
• Injury or sickness from alcohol or substance abuse
• Injury from any terrorist act
• Excludes self inflicted wounds
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Insurance Coverages
• Crisis Response Coverage for natural and man
made emergencies
– Outside the US, Canada, & Puerto Rico
– Provides coverage for Crisis Management Crisis
Response Costs resulting from a Crisis Event
– Must use insurance company approved companies
to be reimbursed
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Chartis Travel Assistance Services
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Pre-travel information
Currency rates
Weather/climate information
Emergency telephone interpretation
Help with lost luggage
Medical & legal referrals
Emergency cash
Medical case management
Shipment of medical records or prescription medication
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Chartis International Services
• Call Travel Guard, when you are traveling outside the USA and
Canada on a sponsored trip and you need help finding or
arranging services such as:
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Medical or Travel Emergency Service
Legal Advice
Lost Baggage or Passport Assistance
Evacuation and Repatriation
Emergency Message Center
Emergency Cash (per personal funding source)
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Foreign Travel Insurance Program
Questions?
Contact Mick Doxey, Director of
Risk Management @ 12284
Risk Management Web Site
http://www.gvsu.edu/uco/riskmanag
ement/foreign-travel-18.htm
Educating students to shape their lives, their
professions, and their societies.
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