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Insurance

Insurance

Health Insurance

Students are required to carry health insurance valid in the country or countries of program operation, while enrolled in SFS programs. You will not be allowed to join an SFS program without identifying such coverage.

Some insurance carriers do not cover out-of-country medical expenses. Therefore, you should ensure that your medical insurance policy offers coverage outside of the United States and specifically in the country where the program is being held. Those insurance companies that do provide international coverage often do so on a reimbursable basis. Many foreign public or private hospitals and clinics will not accept insurance for payment. In most cases, you will need to secure a payment with a credit card deposit. This means that students will need to have a valid credit card to pay for medical expenses up front and then request reimbursement when they return home. If the student’s current policy does not provide coverage outside the US, the student will need to purchase additional short-term insurance coverage.

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 facility. Students will be liable for all these incidental expenses, including travel, meals, 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 insurance does not cover the personal property of students, staff, and visitors. Students may wish to check on current policies and/or purchase additional coverage.

Travel Insurance

SFS insurance does not cover travel or course cancellation. Students may wish to purchase some, so check with Advantage Travel or your travel agent for more information on your options.

Medical Evacuation and Repatriation Insurance

Most insurance companies do not cover emergency medical evacuation costs. SFS provides students with emergency medical evacuation and repatriation insurance through Seabury & Smith. This insurance is effective for the duration of the program. NOTE: This is not the same as health, medical, or dental insurance.

Benefits include:

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

These services are managed through AIG Travel Assist and can be accessed by SFS for its students 24-hours-a-day, seven days a week.