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Medical Insurance

All Drexel students must have health insurance that includes international coverage for their time abroad. This is in addition to the On Call International coverage that is provided by Drexel for university-affiliated international activities. The best way to determine if your insurance includes international coverage is to contact them directly. The Drexel student health plan through Aetna includes international coverage.

In most cases when you are abroad, a health care provider will not accept your insurance card as payment for services, and the patient will need to pay for services and submit a claim to the insurance company for a reimbursement. Depending upon the country, the cost of health care can be fairly economical or wildly expensive so it is critical for students to have a good understanding of their level of coverage and to plan ahead for covering an incident in case they need to see a doctor while they are abroad. Some families will choose to purchase an insurance plan specifically for study abroad to be sure that they have adequate coverage. Some suggested providers of international health insurance for study abroad are included in the FAQ’s below. Students should also maintain their US coverage while they are away in case of a critical health care incident abroad that would be best addressed by US medical care.  

Learn More about On Call International

 

Why do I need health insurance if I already have On Call International through Drexel?

On Call International is assistance coverage that will provide the help that you will need in the event of an emergency, but you are still responsible for medical care expenses. All students must have health insurance that will cover them while they are studying abroad.

How do I know if my insurance will cover me while I am overseas?

You must contact your insurance company to learn:

  1. If it will cover you while you are overseas
  2. The extent of the coverage available
  3. The process for filing a claim for care overseas.

 If your international coverage is minimal or the claim process complicated, you may decide to purchase a study abroad health insurance policy. 

My health insurance will not cover me while I am studying abroad. What should I do?

If your health insurance will not cover you while you are outside of the United States or you have concerns about the level of coverage, you will need to purchase a short term study abroad policy. Health care coverage such as Medicaid or Affordable Care Act plans through the US government, do not provide international coverage. In choosing the best plan for your needs, you will need to do some research on costs, level of coverage, deductibles and claim processing.
Here are some providers of health insurance specifically for study abroad:

 

Does Drexel Student Health include international coverage?

Yes, Drexel Student Health plans include international coverage. Students should contact Aetna prior to departure for claims information.

Will my health insurance card be accepted overseas?

In most cases, health providers overseas will NOT accept your insurance card as payment and you will be responsible for paying for your medical care at the time of service. You will then need to submit a claim to your insurance company for reimbursement which can be a very involved process. 

If I already have health insurance, why do I need to purchase a policy required by my host institution or country?

In some cases, our partner institutions require all students to purchase a health insurance policy while they are studying abroad. This is a requirement of the hosting institution or government and Study Abroad does not have an ability to waive this requirement for any students.