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Insurance
When you travel, it is very important to have insurance that covers you should you be ill or injured while abroad.
If you are a WWC study abroad participant, you verify through your waiver form that you have adequate health insurance coverage. Please check your current health insurance policy to see if it provides coverage outside the U.S. (most standard insurance plans do not). The college provides insurance through HTHWorldWide (www.hthworldwide.com), a leading provider of travel health insurance, for students traveling on Warren Wilson study abroad programs or courses.
If you are not traveling as part of a Warren Wilson program, you will be responsible for purchasing your own insurance. There are several policies geared especially for the student traveler that are very affordable ($30-$60 per month) that offer good, basic coverage. Remember to apply for insurance at least a few weeks prior to travel to allow time for the company to process your information.
When shopping for insurance, ask yourself these questions:
- Will the plan cover hospitalization for accidents and illnesses for the entire period while I am abroad?
- Is there a deductible? If so, how much?
- Will this insurance plan cover my own particular medical needs?
- Is there a dollar limit to the amount of coverage provided?
- What are the procedures for filing a claim for medical expenses abroad?
- Do I need to pay for expenses up front and then submit receipts to the insurance company for reimbursement? Many overseas health providers will not process American insurance claims and will expect payment at the time of treatment, so students should have a minimum of $400 in the event that medical treatment is required abroad.
- What if I don't have enough money to pay cash up front?
- When does the plan begin and end?
- What do I use as proof of international medical coverage?
- If I am not a US citizen, am I eligible to be covered by this plan?
- Will this insurance program cover me in the United States if I decide to return before the end of the program?