Insurance Abroad

Make sure you have adequate insurance coverage while abroad.  Often, U.S.-based insurance policies do not apply abroad, so supplemental coverage may be necessary. Most study abroad program providers include medical insurance coverage as part of their program fees, but students should verify that coverage is included and read the policy details carefully to determine that coverage is sufficient for their medical needs. Many insurance plans used abroad work on a reimbursable coverage basis. This means that, should you need treatment abroad, you will likely be asked to pay upfront for the costs, and then file a claim with your insurance provider for reimbursement. Remember to save all itemized receipts from your treatment and file the claim soon after treatment. In-country orientations will review insurance matters, provide a list of recommended health providers in the area, and answer other questions regarding health care in your host city.


HTH Worldwide Insurance (HTH)

Students studying abroad on a GW Study Program or GW Exchange Program will be enrolled in HTH insurance by the Office for Study Abroad. Students who are not studying on such programs should check with their program provider to ensure that they will receive similar insurance coverage while abroad. HTH provides health insurance coverage for accidents, sickness, medical conditions that may arise, and emergency medical reunion. It covers students in any country overseas, except when they are traveling to their home country of citizenship.

Once enrolled by the Office for Study Abroad, students will receive an email from HTH asking them to register on HTH’s website. This website will be a resource for: 1) printing out membership cards (which should be carried at all times while abroad); 2) searching for international doctors or hospitals; 3) viewing destination-specific health information; and 4) accessing instructions for various processes, including how to submit a claim for reimbursement. Please note that, while there is a reimbursement process, many doctors and hospitals in HTH’s international network have direct billing arrangements with HTH, meaning students are unlikely to have to pay out-of-pocket costs for treatment received from HTH-affiliated healthcare providers abroad.


HTH Travel Assistance and Evacuation Services

In addition to international health insurance, HTH provides medical and security assistance and advice, which is available for all students. Using their international network of resources, HTH can assist students who may need help in an emergency situation abroad, whether they are in need of travel advice, medical evacuation, political or natural disaster evacuation, or repatriation services.

Please be sure to print out the GW/HTH Emergency Contact Card, available through your GW Passport application, and carry it with you at all times while abroad. This card will help you get into contact with GW or HTH if needed. A copy of this card can also be found here. If in doubt, or in need of any kind of advice or assistance while abroad, don’t hesitate to call HTH at 1-610-254-8771.