CSU policy requires that all study abroad students be insured. Therefore, all IP participants are covered by Accident and Sickness Insurance for CSU Students Studying Abroad, included in your IP program costs.
This insurance is only valid outside the US and is considered an “excess” policy. This means that if you have other insurance coverage with another company outside of IP (e.g. through your parents), then you must file the claim with the other company first, then with the IP insurance carrier. Carefully study the policy exclusions and limitations provided in the brochure in the packet. This policy does not cover pre-existing conditions, nor does it cover all medicines or drugs prescribed for outpatient treatment. You may need to maintain your current insurance policy or purchase a new policy that will provide coverage. The policy includes a major medical provision with a deductible, and an accidental death benefit. We should also mention that many of the host countries require students to purchase local coverage, which provides students with additional coverage.
Please note that the CSU policy requires that you pay for medical services up-front, and subsequently file a claim form for reimbursement. If you have a large medical expense, such as hospitalization, OIP is prepared to lend you the funds to cover your expenses until the insurance carriers reimburse you.
The required insurance goes into effect the day before you are asked to arrive overseas and remains in effect as long as you are enrolled in classes with IP. No insurance premium refund is given once you depart the US for your study center. If you withdraw or are disenrolled from IP prior to the end of the academic year, you forfeit participation in the health and accident insurance plan effective on the date of withdrawal as established by OIP. Although the health insurance coverage has proven adequate for most IP participants, it is not a comprehensive policy. You should carry your insurance card with you at all times.
Insurance Brochure & Claim Forms »
(Select “CSU IP” from the drop down list of Schools, then click on “submit”. Once there click on the link
to the Brochure or Claim Form.)
Europ Assistance USA
Your CSU student health insurance policy includes emergency
travel assistance coverage administered by Europ Assistance USA. This is a supplemental part of your health
insurance policy valid around the world and can assist you if you should need emergency medical care while
traveling abroad, 24 hours a day, 365 days a year. To access their benefits, you MUST contact Europ Assistance
USA and let them make all arrangements for any services that you need. The kinds of services they provide are
listed in the insurance pamphlet that we included in your packet.
Upon request, Europ Assistance USA can also provide pretrip counseling for any countries you will be traveling to. They can also answer questions you may have about your prescription medications before departure or help you replace a prescription while traveling.
For further information on the services provided by Europ Assistance USA, please see the Wells Fargo Student Health Insurance pamphlet provided in your packet, or contact Europ Assistance USA at: (800) 243-6124 (Toll-free within the United States) or (202) 659-7803 (Collect from outside the U.S.).
