Insurance & International Assistance information
Insurance is available to mitigate a wide range of situations that may occur while traveling abroad, including: medical and health, legal, security evacuation, lost luggage, and trip cancellation.
The university does not carry insurance for students. However, specific programs, including university programs, carry different types of insurance. Each traveler is responsible for understanding any insurance provided by the program. Equally, each traveler is responsible for securing any additional insurance for their individual requirements.
Insurance – Do I need International Health & Evacuation Insurance?
Yes. For many reasons, all students traveling internationally must have international health and evacuation insurance. If you are traveling on a University of Colorado Denver program, international health and evacuation insurance is included in your program fee.
If you are studying with a non-CU Denver program, e.g. you pay a fee to an approved outside vendor to study abroad, intern abroad, or participate in an international clinical or research experience, then you must confirm that they provide an international health insurance policy.
If the program does not include international health insurance or if you are traveling independently, university risk management insists that you take out international health insurance with emergency medical and disaster evacuation coverage. You may do so through the university’s provider, HTH Worldwide.
Many students consider dropping their domestic insurance plan while abroad. However, it is important to remember that a domestic plan is needed if you are transferred back to the United State for treatment or if you need continuing treatment when you return.
Please view the Health Insurance Policy for more information.
HTH Worldwide Insurance for CU Denver students
Students participating in CU Denver programs will have international health and evacuation insurance through HTH Worldwide. Students not participating in CU Denver programs may also purchase the HTH policy, if they need international health and evacuation insurance. Students can enroll in the HTH plan here. CU Denver faculty and staff may also purchase the policy. While the HTH policy has been reviewed by CU Denver staff, the university is not endorsing any specific policy.
What should I look for in an International Health Insurance policy?
Look carefully at the prospectus. What is covered and what is excluded? To what extent are pre-existing conditions covered? What, if any, of your current prescriptions will be covered? What is the policy maximum? Will you be covered if alcohol is involved? At the core of any international policy are emergency evacuation services. What is the coverage level? We suggest a minimum of $75,000, but medical evacuations can cost more than this. In the event that you are hospitalized, will the policy cover a visit by an immediate family member? Does the policy cover repatriation of mortal remains in the event of an extreme tragedy? These are difficult things to think about, but it is best to be prepared.
Do I need International Travel Insurance?
International Travel policies cover a wide range of items, often with many exceptions. This type of policy is a matter of personal choice. Some policies cover “trip” cancellation, but not cancellation of study abroad programs. Some policies provide limited coverage for theft with notable exceptions such as cash, laptops, and cameras. These non-travel items may be covered by your renter’s insurance policy, or a homeowner’s policy. Check the deductions and maximums.