Travel Outside the U.S.

If you should need medical attention when you are outside of the United States, this policy will cover the costs for those medical expenses, but you may have to pay for treatment when you receive it and submit a claim to the insurance company afterward. When filing a claim for medical treatment received outside the U.S., remember to keep all receipts of any bills paid and make copies of those receipts. You can follow the instructions at What To Do If You Get A Bill From The Hospital or Doctor in order to be reimbursed.

Note: If you will be out of the U.S. for at least three calendar months, you may apply for a waiver of your required health insurance. In order to apply for this waiver, you must visit the International Insurance office in person before your departure with evidence that you have purchased tickets and have confirmed reservations for your departure and return dates. An example of a person absent from the U.S. for three calendar months would be someone who left the U.S. on May 15 and returned on September 2, since they would be absent from the U.S. for all of June, July and August. However, if you are leaving the United States in order to participate in a U-M sponsored educational activity, such as a study abroad program, you are not eligible to cancel your international health insurance.

Effective September 1, 2019, the U-M International Student/Scholar Health Insurance Plan will change insurance companies from Aetna Student Health to Blue Care Network (BCN). For information about the new plan, see the 2019-20 International Plan Overview.