Business Services » Risk » Current Page

Working Abroad?
Risks and Foreign Liability

 

When OSU employees work or travel abroad, the State purchases International Voluntary Workers' Compensation which provides complimentary Executive Travel Assistance Coverage through Ace Insurance.

NOTE: THE STATE’S EXECUTIVE TRAVEL ASSISTANCE COVERAGE WAS SIGNIFICANTLY REDUCED ON MAY 1, 2009; THEREFORE, THE OSU OFFICE OF RISK MANAGEMENT IS OFFERING ACCESS TO A SUPPLEMENTAL INSURANCE POLICY FOR BOTH BUSINESS AND PLEASURE TRAVEL THAT PROVIDES ADDITIONAL COVERAGE AND BENEFITS. A summary of those benefits are outlined below.

PRIOR to travel outside the U.S. and Canada, all OSU employees should:

  1. Consult the U.S. Foreign Travel Advisory and Warnings and review any public announcements and country sanctions. If the country of travel has warnings, notify the OSU Office of Risk Management to confirm coverage with Ace Insurance.
  2. Register your trip with the OSU Office of Risk Management to receive your Ace Europe Assistance Travel Card for contact information on the complimentary Executive Travel Assistance Coverage.
  3. Notify the American Consulate. During a disaster overseas, American consular officers can assist in evacuation were that to become necessary if they know a person’s location.
  4. Obtain any required immunizations and required documents for the country of travel. Student Health Services may be able to help you with your required immunizations and offers a travel clinic for additional information.
  5. Review the SUPPLEMENTAL INSURANCE POLICY for additional Travel Assistance Coverage including Emergency Evacuation for both medical and political unrest, and natural disaster emergencies.

NOTE: If driving a vehicle while abroad, purchase the insurance options available for the vehicle.

When OSU students travel abroad, OSU does NOT provide liability coverage for the student; therefore, health insurance is required and available through International Programs.

Coverage and Countries of Travel

International Foreign Voluntary Workers' Compensation applies to domestic employees traveling worldwide outside the US and Canada and applies to foreign based employees traveling worldwide including travel to the US and Canada on state business.

Pre-approved countries for OSU travel are updated annually. To ensure you are covered during your trip and/or to add a new country of travel, please notify the Office of Risk Management. Countries listed on the U.S. Foreign Travel Advisory and Warnings may need special approval. Sanctioned countries are NOT covered.

Summary of Ace Executive Travel Assistance Services

Ace Insurance provides complimentary Executive Assistance Services including Medical Assistance, Personal Assistance, Travel Assistance & Security Assistance as summarized below. This complimentary coverage has MINIMAL limits of $5000, which is generally not sufficient to cover Emergency Evacuation. It is recommended that the Supplemental Policy be purchased.

Medical Assistance Services

  • Medical Monitoring
  • Dispatch of Doctor or Specialist
  • Emergency Medical Evacuations*
  • Repatriation*

Personal Assistance Services

  • Pre-Trip Medical Referral Information
  • Emergency Medication
  • Embassy and Consular Information
  • Lost Document Assistance

Personal Assistance Services

  • Emergency Message Transmission
  • Emergency Cash Advance ($1000 limit to be paid back within 45 days)
  • Legal Services Assistance
  • Translations & Interpreters
  • Benefits Verification and Claims Assistance

Travel Assistance

  • Emergency Family Travel Arrangements
  • Return of Traveling Companion/Dependents

Security Assistance

  • Emergency Political Repatriation and Relocation**

*$5,000 Maximum benefit per occurrence
**$2,500 Maximum per employee ($10,000 policy maximum)

For complete information on the Ace (WC) Insurance and Executive Travel Assistance benefits see: http://risk.oregonstate.edu/foreign/ACEPolicyDoc.doc

Travel Cards

ACE Europe Assistance card includes phone numbers for you to use while abroad and in need of these benefits. To obtain your card today, please complete the following Form.

Supplemental Global Travel Medical Insurance for Business/Pleasure

The OSU Office of Risk Management is providing access to Global Travel Medical Insurance Coverage that provides a tier of limits from $100,000 to $500,000 for coverages such as Political Unrest and Medical Emergency Evacuation, Hospital Room and Board, Intensive Care, Ambulance, Flight and Hotel Rebookings, Lost Baggage and Lost Passports, Translation Services, etc. The cost is also reasonable and is a reimbursable expense for OSU employees traveling on State business. This coverage is available for personal travel and family members as well (for an additional cost). For complete information on coverage and application form, click here. For questions regarding the application process, contact the Office of Risk Management.

Helpful Information

The US Dept of State provides assistance in all matters involving protective services for Americans abroad, including arrests, death cases, financial or medical emergencies, and welfare and whereabouts inquiries through Overseas’ Citizens Services.
Tips for travel