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Check what services your primary insurance provider will cover internationally

It is important to know that all medical expenses that you incur when out of the U.S. are paid out of pocket. Many types of health insurance do not cover care abroad. Out of pocket costs can be extremely expensive. Be sure you have adequate funds to pay for these expenses. It is your responsibility to know the terms of your insurance policy and the claim and reimbursement process.

It’s a good idea to discuss any issues of continuing care abroad with your current health provider before you travel so that you understand the level of coverage you have for international travel. Make sure it includes:

  • Medical care outside the U.S.
  • “Medical evacuation” in an emergency
  • “Repatriation” in the event of death

Most private plans only cover medical treatment. If you’re covered under Cardinal Care, all three categories, evacuation, repatriation, and medical treatment, are covered.

Whom you consult with depends on your role and your health care coverage provider:

  • Postdoctoral scholars must check with MEDEX Travel Assist (trips of up to 180 days)
  • Faculty and staff can refer to the following link:

For more information, please visit the University Human Resource's Your Health Benefits When Traveling Outside of the U.S.

Timeframe: 
2 months before your trip