FREQUENTLY ASKED QUESTIONS

The below presumes that the policyholder has not contracted coronavirus in a country with a CDC Warning Level 3.

• If a policyholder presents with flu like symptoms and the doctor orders a series of tests, including the test for coronavirus, Tokio Marine HCC will cover it as these were run for diagnosing purposes and not routinely or preventative purposes. Medical expenses associated with a positive diagnosis of coronavirus will be covered as long as all the eligibility requirements are met.
• If the policyholder does not present symptoms and requests a doctor to order a test for the virus for preventative screening, Tokio Marine HCC will not cover the expenses associated with the testing. Tokio Marine HCC does not cover cost associated with preventative screening.

As long as an insured does not contract the coronavirus in a country for which there is a CDC Warning Level 3, then yes, they are eligible for treatment of coronavirus.

Exclusion: Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) has issued a Level 3 Travel Warning if a) the warning has been in effect within the 6 months immediately prior to your date of arrival, or b) within 10 days following the date the warning is issued you have failed to depart the country or location.

If the person is from a country where there is a CDC Level 3 Travel Warning, but they were not sick at the time of insurance purchase and effective date, and they are now in a country where there is NOT a CDC Level 3 Travel Warning in effect, then they may be covered for COVID-19 testing and treatment should they contract the disease while plan coverage is in effect.

Full-Time Students or Scholars (under age 65) who are studying outside their home country are eligible to buy Study USA-HealthCare:

1. Participants

   • Must be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas; and

   • Must be residing outside his or her Home Country for the purpose of pursuing international educational activities; and

   • Must not have obtained residency status in the Host Country.

2. Dependents

   • Must be the Participant's legally married spouse, or must be the Participant's unmarried child under age 19 years and chiefly dependent on the Participant for support and maintenance; and

   • Must accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities; and

   • Must be temporarily located outside the Participant's Home Country; and

   • Must not have obtained residency status in the Host Country.

3. Newborn or adopted children will be automatically covered as Dependents for the first 31 days of life provided that the delivery is covered by this insurance or placement occurs while the Participant's coverage is in effect. If the delivery of the Newborn is not covered under this insurance, the Newborn is eligible for coverage beginning at 14 days of age.
4. Newborn and adopted children must be enrolled within the first 31 days after birth for newborns or within 31 days of placement for adoptions. Enrollment requires written notification of the new Dependent's name, birth date, gender, and citizenship as well as payment of any additional premium due.
5. If a newborn or adopted child is not enrolled by the 31st day following birth (for newborns) or placement (for adopted children), then coverage terminates on the 31st day.

If you buy or renew your coverage online, your receipt, Confirmation, Description of Coverage, and ID card will be instantly emailed to you.

No, however, your policy can go into effect the next day after you enroll online.

Yes. Spouse and/or unmarried children (under age 19) of enrolled students can be enrolled for insurance with the student's initial enrollment, or within 31 days of birth, legal adoption, marriage or arrival in country of study. Dependents must be temporarily be located outside their home country, and must not have obtained residency status in the host country. If your dependents are not eligible for Study USA-HealthCare, they can enroll in one of our other plans for people outside their home country.

Newborn or Adopted Children will automatically be covered for the first 31 days. Afterwards, they must be enrolled in Study USA-HealthCare in order to be covered. Contact us for more information.

Note: If the birth was not covered by a Study USA-HealthCare policy, then Newborn children will not be automatically covered. However, they will become eligible after 14 days of life.

First, purchase Study USA HeathCare Insurance. After your purchase, simply fill in your portion of your school's Compliance or Waiver Form, sign it, and fax it to us at (610) 537-9851 or email it to susaforms@travelinsure.com. We will complete it and fax it back to your school for you within one business day.

Yes. You can enroll in Study USA-HealthCare regardless of how long you have been studying outside your home country, as long as you fulfill the eligibility requirements in Question 1 above.

Yes - Study USA-HealthCare can be renewed for up to 4 years, as long as you fulfill the eligibility requirements in Question 1 above.

Before your existing Study USA-HealthCare coverage has expired, renew your current coverage using our instant secure online renewal form.

Yes, you can add coverage for eligible dependents (spouse and/or children) during your renewal. Call us at 1-800-937-1387 for more information on how to add eligible dependents.

Spouse and/or children (under age 19) of enrolled students can enroll for insurance with the student, or within 31 days of birth, legal adoption, marriage or arrival in country of study. If your dependents are not eligible for Study USA-HealthCare, you can enroll them in one of our other plans for people traveling outside their home country.

          For International Students Studying in the U.S.:

1. If you choose to be seen at your Student Health Center first, you will receive the in-network benefit.
2. For other incidents, if you use a doctor or hospital in Study USA-HealthCare's large preferred provider network, you will pay a lower deductible and co-insurance than if you go outside the network. Click here to search for a network provider.
3. You can also use any doctor or hospital. The Emergency Assistance Company can help you locate a doctor or hospital.
   
   For U.S. Students Studying Outside the U.S.: Study USA-HealthCare does not have a Preferred Provider Network outside of the U.S.

1. You can choose to be seen at the Student Health Center or at another doctor or hospital and receive the in-network benefit.
2. If you go to the Student Health Center first, your deductible for such incidents will be waived.
3. You can also use any doctor or hospital. The Emergency Assistance Company can help you locate a doctor or hospital in the country where you are studying.
   
   For recommendations on international providers, click here.

Pre-existing Condition means any: (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the certificate effective date;
(2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the certificate effective date;
(3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the certificate effective date.
Pre-existing conditions are excluded during the waiting period. For Study USA-HealthCare Standard and StudyUSA Preferred 300, the waiting period is 12 months. For Study USA-HealthCare Preferred 500, the waiting period is 6 months. The Study USA-HealthCare Basic plan does not have coverage for pre-existing conditions. See Study USA-HealthCare's complete list of General Exclusions in the Description of Coverage document for each plan.

Yes, under Study USA Standard, Study USA Preferred 300 and Preferred 500, it covers the pregnancy of an insured student or enrolled spouse if the conception of pregnancy occurs after the effective date of coverage. It does not cover the pregnancy of a dependent child. For details, please refer to the Description of Coverage.

Yes, Study USA-HealthCare covers the Insured worldwide, except in their home country. For each 3 months of coverage with Study USA-HealthCare, the insured is eligible for no more than 15 days of home country coverage.

EU residents: Find a doctor (provider) in the FirstHealth network.
All others: Find a doctor (provider) in the UnitedHealthCare network.

Or, for a complete listing of Preferred Provider participants please contact Tokio Marine HCC - MIS Group, inside the U.S. at 1-800-605-2282, or from outside the U.S. at 1-317-262-2132.

If you are not sure, you may contact Tokio Marine HCC - MIS Group to verify how benefits will be treated. If a non-Preferred Provider is used, benefits will be paid at Outside-Network level. To verify, contact Tokio Marine HCC - MIS Group inside the U.S. at 1-800-605-2282, or from outside the U.S. at 1-317-262-2132.

Send any corrections to us in writing by email to: susa@travelinsure.com, or by fax or mail and we will confirm the changes. When sending correspondence, please include your name, a daytime phone number and reference your Transaction Number.

Contact Information:
Email: susa@travelinsure.com
Fax: 610-537-9828
Mail: Travel Insurance Services
One International Plaza, Suite 400
Philadelphia, PA 19113
USA

If the correction results in an increase in premium, please submit your check or credit card payment by fax or mail. When sending credit card details, please include the credit card number, expiration date, security code, and a statement authorizing Travel Insurance Services to charge the additional amount.