Emergency Coverage

Utah State University has contracted with private companies to provide all international travelers with international travel assistance, through International SOS, and international travel accident/sickness insurance, through ACE/Chubb Insurance.

The international travel accident/sickness policy through ACE/Chubb is not traditional health insurance.  It is designed to cover medically necessary care if you are injured or become sick while traveling as part of a USU program.  It will not cover routine healthcare, like regular yearly check ups or exams.

Description of Coverage:  
Service Broker ACE USA
Underwriter ACE
Claims Administrator  ACE
Emergency Travel Assistance Co. INTERNATIONAL SOS
ADD Coverage $10,000
Benefit Paid out on the following: Pays 1st dollar to provider
Pre-Existing Conditions Emergency Care Only. Routine care excluded
Deductible $0
Coinsurance 100%
Maximum Amount $100,000
Outpatient Mental Illness 80% up to a Max of $500
Inpatient Mental Illness 80% up to a Max of $10,000
Physiotherapy Covered Expense
Emergency Dental Treatment $250 per tooth to a Max of $500
Home Country Extension up to $2,500 for a maximum period of 30 days
Dental (Palliative) N/A
Interscholastic Sports excludes professional and semi professional sports only
Alcohol and Drug Abuse N/A
Baggage Loss N/A
Trip Interruption - Return Ticket $1,500
Some Exclusions Apply View the pdf link for a full explanation of benefits.

If you need assistance while abroad, International SOS will help you in obtaining the best medical care available locally or, if necessary, make arrangements for you to return home to receive appropriate medical attention. Medically necessary expenses can be covered by insurance directly, or in some cases may be paid out of pocket and reimbursement sought later from insurance. Keep receipts. If you are unable to arrange for payment of expenses at the time of service, International SOS may contact USU to guarantee payment of costs. Any expenses not covered by insurance and paid by the university on your behalf must be reimbursed and will be billed to you at a later date.