All University of Michigan students are required to be covered by HTH Worldwide health insurance while abroad. Mandated by the U-M Provost, this international insurance plan is reasonably priced, covers a wide range of conditions and events, and eliminates the need to insure that your own health insurance will provide sufficient international coverage.
Coverage under this plan is required, and the OIP/GCIS will be responsible for enrolling students in the program. Costs of the coverage are included in the OIP/CGIS Administrative Fee or OIP/CGIS Program Fee.
HTH Worldwide has a website that provides full information about the insurance program and its benefits. Students are encouraged to visit this website often and access the information when seeking medical treatment or assistance.
Some Coverage Benefits
Coverage in the U.S.
While the HTH Worldwide insurance plan will provide some continued coverage for when you return home following a condition or injury abroad, this coverage is extremely limited and therefore you should by all means continue whatever current health insurance coverage you have in the U.S.
In the event of an emergency, students should go immediately to the nearest physician or hospital without delay and then contact HTH Worldwide. HTH Worldwide will then take the appropriate action to assist and monitor the medical care until the situation is resolved. To contact HTH Worldwide in the event of an emergency, call 1.800.257.4823 or collect +1.610.254.8771 or globalhealth@hthworldwide.com. Students who encounter difficulties are encouraged to also notify OIP/CGIS so we can help connect you with a representative from HTH if needed.
Extended Insurance Coverage
If you wish to be covered for a longer period (e.g.,to travel outside the U.S. before or after the OIP program), you may elect to enroll for additional days, at your own expense, directly on the HTH Worldwide website. Students who wish to either purchase new coverage or who wish to extend coverage directly outside of the UMICH Study Abroad program must sign up directly on the HTH website using the U-M Ann Arbor Online Group Self Enrollment Codes (OGSE): EAL-7718/ Subgroup Code: UMAO. Students will be billed an additional $5.00 administrative fee for registering for travel before or after their OIP/CGIS program, plus the daily cost of coverage.
Prescription Medications
If you require prescription medication, you should bring a supply with you to last the entire time that you will be abroad. Although many medications are available worldwide, they are not always identical in strength or composition to what you take at home. Bring medications in your carry-on luggage, in their original containers, along with a letter from your doctor explaining the dosage, why the medication has been prescribed, and why you are traveling with a large quantity. This is especially important if you enter the country with medications that are highly controlled due to their tendency to be abused in other contexts.
ISIC International Student Identity Card
The International Student I.D. Card (ISIC) is not required by the OIP but is available at STA Travel for an additional charge. The ISIC card provides discounts, additional insurance, a calling plan, and an Emergency Helpline. If you have specific questions about ISIC coverage, visit their website.
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