Risks, Global Insurance and Travel Assistance Coverage for Working Abroad
When OSU employees work or travel abroad, the State purchases International Voluntary Workers' Compensation which provides complimentary Executive Travel Assistance Coverage through Ace Insurance.
A SUPPLEMENTAL INSURANCE POLICY FOR TRAVEL ON UNIVERSITY BUSINESS is available via the OUS Insurance Broker Gallagher Koster which 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:
- 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.
- 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.
- 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.
- 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.
- 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, medical 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 from their country of residence, including travel to the US and Canada on official university 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. Any country or jurisdiction which is the subject of trade or economic sanctions imposed by the laws or regulations of the United States of America are also excluded.
Summary of Ace Executive Travel Assistance Services
Ace Insurance provides complimentary Executive Assistance Services including Medical Assistance, Personal Assistance, and 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.
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 University Travel
The OSU Office of Risk Management is providing access to Global Travel Medical Insurance Coverage which includes coverages for evacuation due to Political Unrest (Security Evacuation), Natural Disasters, 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 $22 flat fee for the first two weeks and an additional $11 per person/per week thereafter for OSU employees traveling on University business. For complete information on Gallagher Koster and a summary of benefits, click here. For a complete copy of the insurance coverage click here. To obtain this coverage, please make a notation on the registration form and provide an index code for the cost of the premium. Coverage is available for personal travel and family members as well (for an additional cost). If desired for personal travel or family members, please contact the Office of Risk Management.
Countries excluded under the Security Evacuation Coverage are: Afghanistan, Iraq, Pakistan, Israel (West Bank and/or Gaza Strip only), Iran, Somalia, Chechnya or any country subject to the administration and enforcement of U.S. economic embargoes and trade sanctions by the Office of Foreign Assets Control (OFAC).
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.