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Insurance

Emergency Evacuation and Repatriation Insurance

All SFS students are automatically enrolled in the SFS Emergency Evacuation and Repatriation insurance plan through American International Group, Inc. (AIG). This insurance is effective for the duration of the program and does not cover personal travel before or after the program.

Benefits of the SFS Emergency Evacuation and Repatriation insurance plan include:

  • $350,000 for emergency medical evacuation
  • $100,000 for emergency security evacuation
  • $20,000 for repatriation of remains

 

The coverage provided by the SFS Emergency Evacuation and Repatriation insurance plan is NOT the same as health, medical, or dental insurance. The plan covers the cost of transportation, accommodations, and medical care associated with an evacuation (e.g. life-saving support during transport in an air evacuation), in cases where the evacuation is deemed medically necessary.  This insurance plan does not cover urgent or emergency medical care, basic medical care, laboratory tests, or pharmacy needs. Therefore, students on SFS programs are required to supply their own health insurance, valid in the country or countries in which the program operates, for the full duration of their SFS program.


Health Insurance

Students on SFS programs are required to supply their own health insurance, valid in the country or countries in which the program operates, for the full duration of their SFS program. Students are not allowed to join an SFS program without identifying such coverage.

Students looking to obtain health insurance should keep in mind the following:

  • Most domestic health insurance plans do not cover out-of-country medical expenses. Students should check with their policy provider on what services are available out-of-country.
  • Students should check to see if their home institution provides or offers international health insurance.
  • Most insurance companies provide international coverage on a reimbursable basis, as most foreign public or private medical care facilities do not accept insurance for payment. Therefore, students need to carry cash and/or a high-limit credit card to pay for medical expenses up front, and then request reimbursement when they return home. Please check the SFS Field Guide for information specific to your program.

 

In the event that a student requires medical attention during a program, a staff member will accompany him or her on the visit(s) to a medical care facility. Students are liable for all incidental expenses, including medical costs, transportation, accommodations, etc., incurred by all parties involved during these visits. Students must pay in full for these expenses prior to departure from the program.

 

Personal Property Insurance

SFS does not provide insurance for personal property of students, staff, and visitors.

 

Travel Insurance

SFS does not provide travel insurance or reimbursement for trip cancellation. Students can look at options for  travel insurance on their own through Advantage Travel or their personal travel agent.