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International Health Insurance

Students, faculty, staff, and approved guests on MSU sponsored international travel are eligible for comprehensive international health insurance and medical and security assistance provided by International SOS.


International SOS

MSU travelers will be covered by international health insurance and will have access to 24/7 medical and security assistance through International SOS (ISOS), a leading international medical and security assistance company. The benefits include:

  • Dedicated 24/7 phone line for urgent and non-urgent medical and security advice during pre-departure planning or while traveling: 1-215-942-8478.
  • 26 Global Assistance Centers and a network of over 84,000 vetted medical, dental, security, and transport service providers internationally.
  • Robust medical and security evacuation.
  • Mental health and emotional support services.
  • A travel health and safety web portal and free phone app so you can review travel health and safety information about your destination, generate a Certificate of Assistance, receive alerts while traveling, and connect with International SOS if you need assistance abroad.
    • Contact Global Health, Safety, and Security (globalsafety(at)msu.edu or 517-884-2174) for the MSU Membership Number.

Activating Coverage

  1. Determine if you are traveling to a high-risk destination and require a Travel Waiver (students check here, faculty and staff check here).
  2. Complete a Pre-Trip Authorization form for each traveler.
  3. Register in the MSU Global Travel Registry.

Coverage Details

All travelers should review MSU's full international health insurance policy. A Summary of Benefits is also available. 

Highlights of your insurance coverage include:

  • $500,000 USD total maximum per Covered Accident or Sickness, per Covered Person
  • 100% of Covered Expenses for Emergency Medical Evacuation
  • 100% of Covered Expenses for Repatriation of Remains
  • $0 USD deductible per Covered Accident or Sickness

Coverage is available for a maximum of 365 consecutive days. Spouses or dependents are not covered and travelers are encouraged to obtain coverage for any accompanying family members.

Coverage Exclusions

Review the full international health insurance policy for a complete list of benefits not covered by your international health insurance policy. The following is a non-exhaustive list of exclusions:

  • Routine care (check-up or routine physical exam)
  • Refilling prescriptions for chronic medical condition
  • Routine dental care and dental issues arising from pre-existing work (crowns, bridges etc)
  • Eye refractions or eye examinations for the purpose of prescribing corrective lenses or for the fitting thereof; eyeglasses, contact lenses, and hearing aids.
  • Injuries sustained while participating in high-risk activities (see policy)

This is not travel insurance. Trip cancellation and/or trip interruption insurance is not offered by MSU; however, travelers can purchase trip cancellation and/or trip interruption insurance independently.

Proof of International Health Insurance

If you need a letter confirming your international health insurance coverage, for example, for a visa application, please contact us. We will need your name (as it appears on your passport), your destination(s), your travel dates, and date of birth.


International SOS Membership Cards and Phone App

For your convenience, International SOS membership cards are available to MSU-sponsored travelers. Stop by the International Center Room 308 to pick one up or contact us to request one by mail. 

Travelers are also strongly encouraged to go paper-free and download the free International SOS app.


When To Use International SOS

Pre-Departure Planning

As you prepare to leave home, call the International SOS Assistance Center (1-215-942-8478) for advice on staying healthy and safe abroad, including immunization recommendations.

Travelers are also encouraged to download the International SOS app to review medical and security reports and country travel risk guides. You can also sign up for health and security email alerts.

While Abroad

Contact the International SOS 24/7 Scholastic Assistance Line (1-215-942-8478) to identify appropriate medical care (urgent or non-urgent) and to receive advice relating to your health, safety, security, lost documents, or legal assistance. 

In an Emergency

In a life threatening situation, always call the local emergency number. Contact International SOS (1-215-942-8478) as soon as possible in an emergency situation. They can assist with arranging medical transportation and care, monitoring your condition and providing advice along the way, and evacuating you when necessary.

International SOS works closely with the Office for Global Health, Safety, and Security to immediately notify us of any issues requiring the coordination of MSU support.


Reimbursement Claims

If you pay out-of-pocket for any medical expenses, save your receipt(s) and submit a reimbursement claim. Invoices can also be submitted for direct payment (see specific instructions on the claim form).

Claims must be submitted within 90 days of incurring the expense. There are two ways to submit a claim:

Option 1: Submit to the Online Claims Portal

An acknowledgment email will be generated automatically once you submit the claim. If you do not receive that email, your submission wasn't successful and you should try again.

Option 2: Submit by Email.

Download claim form

Email form and receipts to ACEAandHClaims(at)chubb.com 

You can contact Chubb directly by calling 1-800-336-0627 or 1-302-476-6194.