Insurance While Abroad

ISIC Insurance

All CLU students studying off-campus are issued an International Student ID Card (ISIC). This card provides students with many benefits, one being a supplementary form of travel insurance.

The following benefits and services are included with your ISIC card:

Amount Description
$300,000 Emergency Medical Transportation
$25,000 Repatriation of Remains
$25,000 Accident Medical Expense (Includes $500 Emergency Dental Coverage)
$5,000 Accidental Death & Dismemberment - Air
$1,000 Accidental Death & Dismemberment - All Other
$500 Travel Document Replacement (includes your ISIC card)
$165 per day Sickness/Hospital Benefit (up to 61 days)
$100 Baggage Delay

$100 per day

Trip Delay (domestic Only)
Included Travel Guard Travel Assist

Insurance Claims Information

Notice of Claim
We must be given written notice of claim within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. Notice may be given to us or to our authorized agent. Notice should include the claimant’s name and enough information to identify him or her.

For Emergency Assistance 24 hours /day durting your trip, contact AXA Assistance USA, Inc. at:

  • (855) 327-1408 toll free from within the US
  • (630) 694-9755 collect from outside the US

Where to present a claim
All claims should be presented to the Program Administrator:

US Travel Insurance
P.O. Box 260337
Miami, FL 33126

Please have the following general information close by when making a claim:

  • Your International Identity Card number
  • Date of card issue
  • Trip dates
  • Location where your card was issued (California Lutheran University, Thousand Oaks, CA)

Required Additional Information

Baggage Delay Claims
  • Proof of travel - either a trip invoice with costs, or an itinerary or a copy of airline tickets
  • List of claimed items
  • Original receipts
  • Proof of reason for claim -ex: a copy of the incident report filed with the airline
Medical Expenses Claims
  • Proof of trip payment - either a copy of canceled check (front and back), a credit card statement, a cash receipt, or a paid invoice verifying amount paid for trip and dates of payment
  • Original doctor, hospital or prescription receipts
  • Explanation of benefits from any other applicable insurance
  • Signed medical authorization form
  • Pertinent medical records

For complete insurance information and claims procedures please view this document.

EIIA International Travel Program

All CLU students and faculty are covered by EIIA while on institution sponsored programs outside of the U.S., its territories and possessions, and Canada.

The following benefits and services are included with your EIIA coverage:

Amount Description
$200,000 Accidental death & Dismemberment - Each insured person
$2,000,000 Accidental death & Dismemberment - Aggregate any one accident all insured persons
$100,000 Emergency medical expenses - Each insured person each injury or sickness
$1,000,000 Emergency medical evacuation (must be ordered by FrontierMEDEX or a Physician who certifies the necessity of the evacuation)
$300 per day Emergency family travel for designated companion (Up to $5,000 per incident)
$1,000,000 Medical repatriation each person

Travel Accident and Sickness

Emergency Medical Expenses ($100,000 each insured person each injury or sickness):

  • The initial loss must occur while the eligible person is participating in an institution-sponsored trip overseas.
  • A $250 deductible per person per injury will apply.
  • Security Evacuation coverage due to natural disaster up to $50,000 limit per event for all participating institutions.
  • Security Evacution coverage due to political unrest up to $100,000 limit per person/per incident/per institution
  • Pre-existing conditions have a $3,000 limit with a $500 deductible
  • Medical coverage is for emergency injury or sickness during travel outside the U.S.
  • Unlimited personal sojourn for pre- or post- trip travel outside the U.S.

Major Medical Exclusions(s):

Loss incurred as a result of: suicide*, AIDS, routine or elective care, normal dental, acne, pregnancy, specified athletic or sporting events.*

Payments under this policy will be made in full compliance with any OFAC (Office of Foreign Assest Control) trade sections.

*Repratriation of remains after suicide is covered, but medical care for self-inflicted injury is not.
**Specific athletic sporting events are defined as: football, boxing, gymnastics, ice hockey, lacrosse, martial arts, rodeo, skiing (water or snow), surfing, swimming, diving, wrestling, basketball, baseball, and equestrian when when participating in the excluded sporting event professionally or representing the college but not when an individual particpates at their own initiative.

Excluded at all times: skydiving/parachuting, hang gliding, bungee jumping, mountain climbing, pot-holing, zip-lining, and motorcycle riding.

Scuba diving is excluded at all times except as an assigned part of curiculum of study for credit.

FrontierMEDEX Emergency Response Center:

United States, Baltimore, MD +1-410-453-6330 (COLLECT)

  • FrontierMEDEX ID: 352191
  • Client Name: EIIA

In case of a medical emergency, we recommend making your phone calls in the following order:

  1. Call the emergency number of the international director provided by your campus or call the host country equivalent of 911 for a serious and/or life threatening medical emergency
  2. Call FrontierMEDEX for all emergency travel, accident and sickness assistance. Call collect or reverse the charges through an international operator: +1-410-453-6330, ask for a claim number
  3. Call the international office at your host institution or your institution's professor traveling with your group and give them the claim number
  4. Call your Institution's Study Abroad Coordinator and give them the claim number
  5. Call your family and give them the claim number

Who is FRONTIERMEDEX?
FrontierMEDEX is the Travel Assistance Service provider for EIIA International Travel Program.

When should I contact FrontierMEDEX?
Coordinators are available 24-hours a day, every day of the year . Many times people assume that the services are to be used only in serious cases.  Be assured that FrontierMEDEX is there to help you with any type of problem regardless of the severity.

What if local medical facilities are inadaquate?
If, through our medical management, it is determined that local medical providers are inappropriate for treatment, FrontierMEDEX will arrange for a medically safe evacuation to a facility capable of providing the necessary care.

What happens if I am hospitalized?
It is important to notify FroniterMEDEX as soon as possible so your treating physician can be contacted to assess your condition and treatment plans to ensure your safe recovery.  FrontierMEDEX will then update your family, employer/organization and personal physician as appropriate and assist you until you have returned home or have received final treatment.

For EIIA International Travel Program insurance summary view this document.

 

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