Insurance and Safety

Study Abroad Insurance and Safety

Saint Mary’s College makes it a top priority to ensure the safety and well-being of students studying abroad. Once you are admitted to a Saint Mary’s Study Abroad program, we will provide in-depth information on your program location and onsite orientations to help you remain safe and healthy throughout your experiences abroad.

HTH Worldwide Health Insurance

Saint Mary’s College offers mandatory health insurance to all students studying abroad through HTH Worldwide www.hthstudents.com insurance company. Students on any of Saint Mary’s study abroad programs are automatically covered by this policy. The cost of this insurance is included in the study abroad fee for semester programs or program fee for short-term programs.

Saint Mary’s study abroad students will receive a copy of the HTH pamphlet during pre-departure orientation. You will be enrolled in the insurance plan by CWIL once you are admitted by Saint Mary’s study abroad programs and have confirmed the participation. The HTH card will be sent to students in two days by the company and students need to register at its website for benefits and forms.

The insurance coverage begins on the day when you leave the U.S. and ends two days after the program ending date. If you come back home earlier because of illness or accident, you will not be covered by the insurance anymore. We recommend that you maintain or purchase a separate plan for coverage in the U.S. If you have personal travel plan overseas before or after the program dates, you are responsible for your own coverage.

You may download the following documents for your reference.

• HTH Worldwide Insurance Pamphlet (pdf)
• HTH Worldwide Insurance Program Guide (pdf)
• International Claim Form
• Prescription Claim Form

HTH Worldwide Insurance Policy

• Lifetime Maximum Benefit: $1,000,000
• Policy Year Maximum Benefits: $100,000
• Maximum Benefit per Injury or Sicknesses: $100,000
• Basic Medical Expense Benefit per Injury or Sickness: Up to $100,000 Maximum: 100% of Reasonable Expenses after Deductible
• Deductible: $0 per Injury or Sickness
• Accidental death and dismemberment: Maximum Benefit: Principal Sum up to $10,000 for Participants; up to $5000 for Spouse; up to $1000 per Child(ren)
• Repatriation of Remains: Maximum Benefit up t $25,000
• Medical Evacuation: Maximum Lifetime Benefit for all Evacuations up to $75,000
• Bedside Visit: Up to a maximum benefit of $1,500 for the cost of one economy round-trip air fare ticket to, and the hotel accommodations in, the place of the Hospital Confinement for one (1) person

What to do in the Event of an Emergency?

All Eligible Participants are entitled to Global Assistance Services while traveling outside the United States. In the event of an emergency, they 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 to +1.610.254.8771.

Claims Submission

Claims are to be submitted to HTH Worldwide, Attn: International Claims, One Radnor Corporate Center, Suite 100, Radnor, PA 19087 USA.

See http://www.hthstudents.com website for claims forms and instructions on how to file.

Pandemic Plan

The Center for Women’s InterCultural Leadership has formulated an emergency plan for students studying abroad, which helps Saint Mary’s College, CWIL, program faculty coordinators, resident directors, and study abroad students get prepared in the event of a pandemic. Please check the Pandemic Plan (pdf) for more details.

If you have futher questions contact:
Siqin Yang

Center for Women’s InterCultural Leadership
Havican #14

syang@saintmarys.edu

CWIL · 9 Havican Hall · Saint Mary's College · Notre Dame, IN · 46556-5001 · Phone: (574) 284-4051 · Fax: (574) 284-4141 · E-mail:

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