Health and Insurance
Before going abroad, take into consideration your own medical and mental health issues by getting a complete physical, dental, and eye check-up 4-6 weeks before you travel. Know the health risks, illnesses, diseases, food/water precautions and recommended immunizations for your destination. Research where the best hospitals and clinics are located. Make sure to obtain international health and medical evacuation insurance and consider add-ons for political, security and natural disaster coverage in higher risk locations. Understand how and where to seek help. Below are some key resources that are available to you to help you prepare for a safe and healthy experience abroad.
Country Health Information and Immunizations
There are excellent and comprehensive health websites available to help you plan for your trip. These include the Centers for Disease Control and Prevention Traveler's Health page, the US Department of State Traveler's Checklist, and the World Health Organization website. With these resources you will find recommended immunizations, current information on diseases and outbreaks, health and safety precautions, health risk mitigation strategies, recommended hospitals and clinics, and emergency response information.
Make sure to start your planning early. Some immunizations require several series in order to complete.
BYU strongly urges all students and personnel traveling internationally to consult with their medical insurance company, including DMBA (including the Student Health Plan), Altius, HTH Worldwide, and other providers. Confirm with your insurance provider that your policy applies abroad, understand its limitations, and if the policy will cover emergency medical expenses and evacuation. If necessary, you should consider purchasing an additional international health care plan for your trip to fill in any coverage gaps. A list of helpful questions to ask your insurance provider can be found on this page.
If you need to purchase an international insurance policy to cover you while abroad, DO NOT cancel your insurance at home. Most international medical insurance policies will only cover you for medical services rendered at the international destination and will not cover additional or follow up expenses after you return home. In essence, you need to have two medical insurance policies, one that covers you as you travel internationally and a domestic plan that will cover you immediately upon returning home.
International Study Program (ISP) students: please ensure that your domestic insurance plan is not cancelled while you are abroad. If you are on the BYU Student Health Plan, make sure that you pay your premium prior to departing on your ISP program abroad. Understand that the HTH Worldwide international medical insurance plan that you will be enrolled in will only cover you while you are at your international location and will not cover any medical services for you back home.
HTH Worldwide Health Insurance
BYU offers an excellent international medical insurance plan through HTH Worldwide at an affordable cost to students, faculty, staff, administrative employees, and their dependents while on university business abroad.
All International Study Program (ISP) students and faculty directors are automatically enrolled in HTH Worldwide health insurance for the duration of their ISP program, with the plan costs being included in the ISP program cost. Students can purchase additional coverage to augment international travel outside of their ISP program. Non-student spouses and dependents are also eligible for HTH Worldwide coverage at varied costs. All other BYU students and faculty who are engaged in BYU international educational activities and research abroad are eligible to purchase HTH Worldwide insurance coverage through BYU.
For enrollment, current rates, coverage, limitations, and payment options, please contact the International Study Program (ISP) office: 101 HRCB, email@example.com, (801) 422-3686.
BYU personnel and students who receive their Medical Insurance ID card from HTH Worldwide should visit http://www.hthstudents.com prior to travel. Use the certificate number on the front of the card to sign in and receive comprehensive information and services related to this plan. It is the individual's responsibility to collect receipts and obtain required claim forms for reimbursement.
BYU Student Health Plan
BYU students may purchase the Student Health Plan through the BYU Student Health Center office. For details on the plan's international coverage and limitations, please refer to the Student Health Plan handbook. It is the individual student's responsibility to collect receipts and obtain required claim forms for reimbursement.
Many international travelers have prescription medications that they require during their travel. If you have prescriptions that you will take with you on your trip abroad, please follow the suggestions below.
Any medications being carried abroad should be left in their original containers and be clearly labeled along with the original pharmacy receipts if possible.
If you are traveling abroad with a preexisting medical condition, carry with you a letter from your attending physician describing the medical condition and any prescription medications, including the generic names of prescribed drugs.
Check with the foregin embassy of the country you are planning to visit to make sure any required medications are not considered to be illegal narcotics in that country. A list of foreign embassies and consulates in the United States has been made available by the Department of State.
International insurance and medical assistance companies that provide international medical coverage (such as HTH Worldwide) can help with information regarding transporting prescription drugs abroad, setting up physician appointments abroad, ordering new prescriptions and prescription drug translation (foreign language equivalents). If you have further questions about getting this information, please contact firstname.lastname@example.org, (801) 422-5357.
If you wear eyeglasses, take an extra pair with you. Pack medicines and extra eyeglasses in your hand luggage so they will be available in case your checked luggage is lost. If you have allergies, reactions to certain medications, food, insect bites, or other unique medical problems, consider wearing a "medical alert" bracelet. You may also wish to carry a letter from your physician explaining required treatment should you become ill.
Emergency and Medical Assistance
Before departure, you should establish a proactive medical emergency contingency plan.
Understanding your destination before you go is key to a healthy and safe trip abroad. Mitigating health risks (implementing food and water precautions, avoiding mosquito bites, proper immunizations, etc.) is equally important to quality of local health care. In many developing locations, quality and availability of health care is often limited and does not meet US standards. Before you go, research not only health risks in your destination, but also learn where the best medical facilities are located in your area and what services they offer. Your international insurance and medical assistance providers can assist you in finding out this information. Many will even assist in arranging a doctor and appointments for you. You can also contact the US embassy in your destination for their recommendations on local health care providers.
During a crisis event abroad, the Office of Overseas Citizens Services' Emergencies Abroad page is very helpful. Their overseas emergency contact number is +1 202-501-4444.
Medical Emergency Guidelines
- Understand and follow your insurance providers instructions for seeking emergency care.
- Go to the nearest reliable medical facility (contracted with your insurance provider or not). Take a valid debit/credit card or cash and your insurance care/information. Be prepared to pay upfront for your medical care and get reimbursed later.
- Contact your insurance provider as soon as you are able. Be prepared to give them a reliable contact number, inform them of your current situation, and your current location, your insurance number, your affiliation with BYU (study abroad program, work department, etc.). Depending on your provider, they may monitor your medical condition, quality of care, and arrange for guarantee of payment with your medical facility. Let them know of any concerns or questions you may have.
- After receiving initial treatment, you or an able peer (or your insurance provider) should contact your BYU program director, department supervisor, and key family members. Inform your BYU and family contacts of your current situation, location, and a contact number for you. Let them know of your concerns and questions.
- Stay in regular contact with your BYU director, department supervisor, and key family members with regular updates on your condition and progress.
- If you do pay for your own medical expenses, obtain itemized receipts (facility name, doctor's name, services performed, medications, and exact costs and charges) from the medical facility you are being treated at. Keep all receipts so that you can file a reimbursement claim later with your medical insurance provider.
Helpful Links and Resources
BYU strongly urges all students and faculty traveling abroad to have adequate international medical insurance with medical evacuation coverage. The minimum standard of international medical care coverage is $250,000 with $250,000 of medical evacuation. Before you travel abroad, be sure to confirm that your medical policy adequately covers medical and emergency medical expenses including medical evacuation. Understand your policy's limitations and if it will cover emergency medical expenses and evacuation. If necessary, you should consider purchasing an additional international traveler’s health care plan for your trip to fill in any coverage gaps.
BYU offers an excellent international medical insurance plan through HTH Worldwide at an affordable cost to students, faculty, staff, and administrative employees. You are eligible to enroll in this plan if you are studying abroad or on university business. This plan covers you 100% for up to $250,000 of medical care with $250,000 of medical, security, natural disaster and political unrest evacuation coverage. There is no deductible and the plan will also cover pregnancy and most prescribed medication costs while you are abroad. For further information on the HTH Worldwide plan and to enroll online, click on the link below. You can also visit room 101 HRCB (David M. Kennedy Center) or call 802-422-3686, 2-6192 or email email@example.com to enroll or for further information.