Educational & Institutional Insurance Administrators
Property & Casualty
International Coverage
1
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.
• 1967 - Consortium opened its doors to other
Methodist institutions
• 1987 - Lutheran institutions joined EIIA
• 1992 - Presbyterian Church USA institutions
joined EIIA
• 2004 - 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
•
•
•
•
•
7
Travel Accident & Sickness
Travel Assistance
Emergency Medical Evacuation
Security Evacuation
Crisis Response
Foreign Travel Program Chartis
Insurance
Travel Accident and Sickness Coverage
Travel Assistance – Travel Guard
• Inside of the U.S. and Canada, call tollfree: 1-888-873-8385
• Outside of the U.S. and Canada, call
collect/reverse charges through an
international operator: +1-817-826-7008
8
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:
http://www.treas.gov/offices/enforcement/ofac/
programs/index.shtml
9
Travel Accident and Sickness
Insurance Coverage
Accidental Death and
Dismemberment
Accidental Death and
Dismemberment Annual Aggregate
Accident and Sickness Medical
Expenses Limit
($250 deductible)
Pre-existing conditions
($250 deductible)
Specified Athletic or Sporting Events
10
Total Limit Per Person
$200,000
$2,000,000
$100,000
Included - up to $1,500
Excluded
Travel Accident and Sickness
Insurance Coverage
Inpatient Mental/Nervous Disorders
($10,000 deductible)
Inpatient Substance Abuse Disorders
($10,000 deductible)
Medical expenses for Suicide/Attempt
Per Day Sickness Hospital Benefit
*Emergency Medical Evacuation
*Escort Expense
*Emergency Family Travel
*Repatriation of Remains
Total Limit Per Person
Included
Included
Excluded
Included in the $100,000
Medical Expense Limit
$200,000
Included, must be doctor
prescribed
$100,000
$1,000,000
11
*Travel
Guard must coordinate arrangements
International Business Auto Liability
and Physical Damage
Automobile
Non-Owned Automobile Liability
Hired Automobile Physical Damage (each Auto)
Deductible
Limit
$1,000,000
$10,000
$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
Assistance Services
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.
16
Assistance Services
Trip Services
• Emergency Message: Can be stored and relayed to or from
traveler
• Telephone Translation: Translation services are available 24Seven 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
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 +1-817-826-7008 or, if in the U.S., call 1-888-8738385
19
Foreign: Frequently Asked Questions
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 emailed 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.: 214-758-3201
Fax: 214-758-8834
vicki.hoover@chartisinsurance.com
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:
www.eiia.org, then press the Foreign Assist button on the top
right corner.
31
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?
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: +1-817-826-7008, 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
35
Additional Resource
www.eiia.org/ForeignAssist
36
Questions?
37
Japan Evacuation
38
Japan Evacuation
•
•
•
•
39
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