Travel Abroad Health Insurance
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Important requirement: Students, faculty and staff from all U-M campuses who travel abroad for University-related purposes must have U-M Travel Abroad Health Insurance and register in the U-M Travel Registry. (University-related purposes may include but are not limited to study, research, internships, service, conferences, presentations, teaching, performances or athletic competitions).
U-M contracts with HTH Worldwide, a leader in international travel health insurance, to provide this coverage.
How to purchase / sign-in (for all U-M campuses):
1. Choose your affiliation and purpose of travel and read about your plan. (For questions about affiliation, email UHS-mancare-stuins@med.umich.edu.)
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For STUDENTS |
For STUDENTS, FACULTY & STAFF |
For FACULTY & STAFF |
| If you will travel as part of a U-M sponsored group, ask your program administrator if he/she will purchase for you. If so, you do not need to purchase. | You must purchase this plan prior to departure. | This plan covers for up to 180 days. If you need longer coverage, contact Managed Care/Student Insurance Office. |
| Cost: $1.10/day plus a $5 administrative fee | Cost: $1.10/day plus a $5 administrative fee | Cost: No cost, but you'll need to register your trip in the U-M Travel Registry. |
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Plan may be extended to cover leisure activities before and after your University-related trip. Plan may be purchased for spouses / domestic partners and dependents traveling with the covered student. |
Plan may be purchased by students and current faculty and staff under age 80. Plan may be purchased for spouses / domestic partners and dependents traveling with the covered individual.
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Plan automatically covers you; you do not need to purchase but you should sign-in on the HTH Worldwide website, accessible through the U-M Travel Registry (step 2 and 3 below). Plan automatically covers:
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| For plan details, see Pamphlet for Students on Educational Activities (PDF). | For plan details, see Booklet for Students, Faculty and Staff on Personal/Leisure Travel (PDF) -- benefits are listed on page 4. |
For plan details, see Member Guide for Faculty and Staff on University Business (PDF) -- benefits are listed on the last page. |
2. Register your trip with the U-M Travel Registry.
3. On the My Summary page of the U-M Travel Registry under "UM Travel Abroad Insurance Enrollment" follow instructions to purchase or sign in to HTH Worldwide Insurance.
Note: All individuals currently affiliated with the University are automatically covered for emergency evacuation in cases of Political Instability or Natural Disaster. Be sure to register your trip in the U-M Travel Registry so that the University can provide assistance if needed.
Effective dates (for Student and Leisure Plans only):
Coverage will begin on the date requested in the online or paper enrollment form or the date the completed enrollment form and fees are received by HTH Worldwide, whichever is later. Coverage is effective 24 hours a day, worldwide, except when in the U.S.
Coverage will end on the earliest of the following dates:
- Date the participant ceases to meet eligibility requirements
- End date requested in the online or paper enrollment form
- First date for which premium and fees have not been paid
How to extend coverage beyond original purchase (for Student and Leisure Plans only): You can extend coverage if an online or paper renewal form is completed and payment is received by HTH Worldwide before coverage ends.
You can renew online by following instructions above at How to purchase / register (for all U-M campuses).
Benefits: Travel Abroad Health Insurance benefits are extensive and vary depending on which plan you purchase. See Plan Details in table above.
Following is a brief description of benefits. The entire Certificate of Coverage sets forth, in detail, the rights and obligations of both the Insured Person and the Insurer. Therefore, it is important that you read the entire certificate of coverage, available when you purchase the plan.
Political Evacuation / Natural Disaster Evaculation is a benefit available to all U-M-affiliated individuals and their family members who are traveling abroad with them. Be sure to register your travel in the U-M Travel Registry. This benefit is provided by DRUM Cusac International and is coordinated through HTH Worldwide. Benefits include:
- Up to $5,000,000 per covered incident or $100,000 per covered person when the U.S. or foreign government issues an evacuation order for political or security reasons, or if an area is declared uninhabitable in the event of a natural disaster
- Provides coverage to a safe haven
- Coverage for travel from a safe haven to home, and accommodation and subsistence costs during the evacuation for a maximum of 10 days.
| Benefits for STUDENTS on Educational Activities | |
| Medical Expense | Limits per Eligible Participant |
| Period of Coverage Maximum Benefits | $500,000 |
| Maximum Benefit per Injury or Sicknesses | $500,000 |
| Period of Coverage Deductible | $0 per Injury or Sickness |
| Accidental Death and Dismemberment | Principal sum up to $25,000 |
| Repatriation of remains | Maximum benefit up to $100,000 |
| Medical evacuation | Maximum Lifetime Benefit up to $200,000 |
| Bedside visit | Up to a maximum benefit of $1,500 |
| Physician Office Visits, Inpatient Hospital Services, Emergency Hospital Services, and Hospital and Physician Outpatient Services | 100% of Reasonable Expenses |
| Maternity Care for a Covered Pregnancy | Reasonable Expenses |
| Inpatient or outpatient treatment of mental and nervous disorders including drug or alcohol abuse | Reasonable Expenses |
| Treatment of specified therapies, including acupuncture and Physiotherapy | Reasonable Expenses up to $5,000 Maximum combined total for Inpatient and Outpatient care, up to 30 days immediately following the attending Physician’s release for rehabilitation following a covered Hospital confinement or surgery per Period of Coverage. |
| Repairs to sound, natural teeth required due to an Injury | 100% of Reasonable Expenses up to $500 per Period of Coverage maximum |
| Outpatient prescription drugs including oral contraceptives and devices | 100% of Actual Charge |
| Medical treatment received in the U.S., if NOT covered by Other Plan | 100% of Reasonable Expenses up to $10,000 Period of Coverage lifetime maximum |
| Hearing Services | 100% of Reasonable Expenses up to $1,000 per individual hearing aid per ear every 3 years for covered Dependent Children under age 24. |
| Scalp Prosthesis | 100% of Reasonable Expenses for scalp hair prosthesis for up to $500 per Period of Coverage |
| Lead Poisoning | 100% of Reasonable Expenses |
| Low Protein Food Products | 100% of Reasonable Expenses |
| Preventive Care | Not covered |
| Benefits for STUDENTS, FACULTY & STAFF on Personal/Leisure Travel | |
| Policy Maximums for Benefits | Insurer Pays up to per Insured Person |
| Trip Period Maximum Benefits | $500,000 |
| Period of Insurance Maximum Benefits | $500,000 |
| Professional Services a. Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab b. Office Visits: including X-rays and lab work billed by the attending physician. |
100% |
| Inpatient Hospital Services a. Surgery, X-rays, In-hospital doctor visits b. In-patient medical emergency |
100% |
| Ambulatory Surgical Center | 100% |
| Outside the U.S. Outpatient prescription drugs | 100% of Covered Expenses |
| Dental Care required due to an Injury | 100% of Covered Expenses up to $500 maximum per Period of Insurance |
| Physical and/or Occupational Therapy/Medicine | Maximum payment of $50 per visit and maximum of 24 visits per Period of Insurance |
| Medical treatment received in the U.S., if NOT covered by Other Plan | 100% of Covered Expenses up to $10,000 maximum per Period of Insurance |
| Accidental Death And Dismemberment Maximum Benefit: |
Principal Sum up to $25,000 |
| Repatriation Of Remains | Deductible is not applicable. Maximum Benefit up to $100,000 |
| Medical Evacuation | Deductible is not applicable. Maximum Benefit per Period of Insurance for all Evacuations up to $200,000 |
| Bedside Visit |
Deductible is not applicable. Maximum Benefit per Period of Insurance up to $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 |
| Maternity Care | Not covered |
| PreventiveCare | Not covered |
| Benefits for FACULTY & STAFF on University Business | |
| Policy Maximums for Benefits | Insurer Pays up to per Insured Person |
| Trip Period Maximum Benefits | $500,000 |
| Deductible | No deductible |
| Professional Services a. Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab b. Office Visits: including X-rays and lab work billed by the attending physician. |
100% |
| Inpatient Hospital Services a. Surgery, X-rays, In-hospital doctor visits b. In-patient medical emergency |
100% |
| Ambulatory Surgical Center (non-medical evacuation) | 100% |
| Ambulance Service (non-Medical Evacuation) | 100%, up to $1,000 per Insured Person |
| Benefits for claims resulting from downhill (alpine) skiing and scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) required or diving under the supervision of a certified instructor) | Limited to $10,000 per Insured Person |
| Outside the U.S. Outpatient prescription drugs | 100% of Covered Expenses |
| Outpatient prescription drugs received in the Home Country | Not Covered |
| Dental Care required due to an Injury | 100% of Covered Expenses up to $200 maximum per Trip Period |
| Dental Care for relief of pain | 100% of Covered Expenses up to $100 maximum per Trip Period |
| Medical treatment received in the Home Country | Not covered |
| Accidental Death And Dismemberment Maximum Benefit: |
$0 |
| Repatriation Of Remains | $25,000 Maximum Benefit |
| Medical Evacuation | $250,000 Maximum Benefit |
| Transportation Benefit |
Deductible is not applicable. Maximum Benefit per Period of Insurance up to $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 |
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Pre-existing condition (a medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during the 6 months immediately preceding the Insured Person's Effective Date of Coverage.) |
6 months, waived for U.S. outbound travel |
| Maternity Care | Not covered |
| PreventiveCare | Not covered |
Whenever possible, you should contact HTH Worldwide in advance.
In a non-emergency, HTH Worldwide will assist you in making appointments as long as contact them first, and whenever possible, HTH Worldwide will pay the medical provider directly.
In an emergency, seek appropriate medical care first, then call HTH Worldwide for immediate assistance.
If you require medical evacuation, you must contact HTH Worldwide in advance or your evacuation may not be eligible for reimbursement.
To contact HTH Worldwide, call:
- Inside the US, call 800-257-4823
- Outside the US, call +1-610-254-8769 (collect) or 1-888-243-2358
HTH Worldwide maintains a 24/7 call center to assist members with a wide variety of services including:
- Locating medical care
- Medical evacuation planning and coordination
- Medical monitoring and referral
- Coordination of hospital payment guarantees
When you show your Medical Insurance ID card, doctors and hospitals usually send HTH Worldwide a bill for services that received abroad.
Sometimes a doctor or a health care facility may ask you to pay the bill, or you may need to file a claim for prescription medication. In these cases ask the doctor, hospital or pharmacy for a copy of the bill and a receipt for your payment. You will need these documents to allow HTH Worldwide to reimburse you.
To request reimbursement, you must submit a claim form, which is available on the HTH Worldwide website. Instructions on filing a claim are on the back of the form.
For more information, contact:
Your UM Program Administrator (if you are required to purchase the plan)
HTH Worldwide:
- Visit their website through the U-M Travel Registry
- Inside the US, call 800-257-4823
- Outside the US, call +1-610-254-8769 (collect) or 1-888-243-2358
- Email studentinfo@hthworldwide.com
UM Travel Abroad Health Insurance Committee (TAIC)
Global Michigan, a portal for all things international
UM Travel Registry:
UHS Managed Care/Student Insurance Office:
- For questions or assistance with the plan
- Telephone 734-764-5182
- Toll-free 866-368-0002
- Email UHS-mancare-stuins@med.umich.edu
