Important Insurance Information
While you are traveling it will be important that you have sufficient medical evacuation/repatriation insurance. Below are the suggested coverage amounts for international travel:
- Coverage oversees
- Sickness and accident coverage on a 24-hour basis
- Repatriation of Remains coverage of at least $50,000
- Emergency Medical Evacuation coverage of at least $100,000
- Lifetime max. benefit for accident or illness of at least $500,000
State of Idaho Foreign Liability Coverage
As a University of Idaho employee, you are automatically covered by the State of Idaho Foreign Liability Program provided by AIG. This coverage is mainly for Liability, Auto Liability and Workers Comp but has some emergency travel service coverage as well. It does not cover employees while they are in the United States, its possessions or territories. Security Evacuation is not available from Iraq or Afghanistan. You’ll find a printable State of Idaho AIG insurance card and policy information within the Faculty/Staff International Travel Registration system.
Blue Cross coverage abroad through U of I Benefits: If you are enrolled, there is also some international coverage provided by the University of Idaho employee insurance program through Blue Cross. You can find Blue Cross providers abroad at http://www.bluecardworldwide.com, however, many of these providers may not actually bill Blue Cross on your behalf. Also, BlueCross may not have the network or connections needed at the time of the illness or injury to provide sufficient medical, medical evacuation, or repatriation of remains services.
Supplemental Insurance May Be Needed:
Neither the State of Idaho nor the Blue Cross international coverages are considered sufficient. It is suggested that your department purchase supplemental insurance on your behalf for your international trip. This is an allowable expense on regular university budgets. Those traveling on a grant budget should check with their grant's PI. You can search a variety of policies to meet different needs through http://www.insuremytrip.com. One good plan for medical evacuation and repatriation of remains that you'll find through this website is called "Take Me Home" and is provided by FrontierMedEx. It will evacuate you to the hospital of your choice nearest your home. Most other medical evacuation plans evacuate you to the hospital nearest to where you are that has the facilities you need. Depending on the kind of coverage you would like, you might find other policies that are more appropriate.
Step by Step Guide to using http://www.insuremytrip.com
- On right hand side of screen, enter in all information
- Search for "All Plans"
- Enter trip cost, primary destination, departure and return dates, ages, state of residence, and citizenship
- Click on Plans and Prices button
- Scroll down towards the bottom where it says "FrontierMedex- Take Me Home"
- You'll have the option for a single trip or a multiple trip
- Click "buy"
- Fill out details and payment information
- Traveler full name and birth date, primary destination, suppliers/tour operators, traveler residence and traveler contact information
- Click continue
- Review the plan and enter credit card information
For your information, you can find Blue Cross providers abroad, however, many of these providers may not actually bill Blue Cross on your behalf. Also, BlueCross may not have the network or connections needed at the time of the illness or injury to provide sufficient medical, medical evacuation, or repatriation of remains services.