Health, Safety and Travel Planning: a guide for students on non-UW Oshkosh-sponsored programs
You may be responsible for some or all of the following preparations. Know which ones you are responsible for, and then do them far enough in advance so that minor problems don’t keep you from your study abroad experience! You will certainly have other responsibilities which are not covered below.
Health & Insurance
Purchase Health Insurance
Do I have insurance for medical and emergency services while studying abroad?
UW Oshkosh-sponsored programs
YES! UW System requires all participants on UW Oshkosh-sponsored programs abroad to purchase insurance through Cultural Insurance Services International (CISI). This insurance is included in your study abroad program fees; your coverage will begin on the first day on which you are required to be in the host country and end within a few days of the last day on which you are required to be in the host country. If you plan to arrive early or depart after your program has ended, you can purchase additional insurance by following the link above. UW System does not allow for the exemption of any student for any reason.
Iin addition to CISI, all students studying through an Australian university or university in New Zealand are required by the foreign government to carry health insurance purchased in Australia or health insurance purchased in New Zealand. You will receive instructions and the necessary paperwork to obtain your insurance card at your host university’s orientation.
Iin addition to CISI, all students studying in Fiji or completing an internship or short course through AustraLearn will be covered under an AustraLearn-purchased health insurance policy.
Non-UW Oshkosh-sponsored programs
You will not have insurance which covers medical evacuation, security evacuation, repatriation or emergency medical reunion unless you purchase this on your own or your sponsoring program purchases this for you. It is highly recommended that you purchase this if your sponsoring program doesn't offer it; these benefits are not found in domestic policies.
How do I access information about my CISI coverage?
You can view your CISI insurance policy, your Security Evacuation Benefit Rider and your ACE Travel Delay Benefits (coming soon). You can also print your personalized insurance ID card through the CISI Participant Portal.
- Go to www.culturalinsurance.com
- Enter policy number 4835256
- Click on "Click here to print your personal ID Card"
- Select your policy number next to the word "Policy". If more than one policy # appears, select the set of dates which contain your insurance start date.
- Enter your First Name, Last Name, and Date of Birth (MM/DD/YYYY format)
- Click on "Print Preview".
- Print the personalized ID Card and/or store the PDF of this card to your computer files.
Can I use my personal health insurance plan without purchasing additional insurance for travel abroad?
UW Oshkosh-sponsored Programs
No.
All Other Travelers
Sickness and accident coverage while in a foreign country may be included in your personal health insurance plan, but it is rare for personal health insurance plans to cover medical evacuation, security evacuation, repatriation or emergency medical reunion. BEFORE you travel you should be familiar with the type of coverage you have and the steps you need to take in order to use your policy abroad. If you are not satisfied that you have sufficient coverage abroad, you can purchase a temporary policy.
My insurance company requires me to be a full-time student. Will study abroad affect my ability to keep my health insurance?
Most insurance companies require you to be a full-time student in order to stay on your parents’ health insurance policy. IF you are NOT enrolled in classes at UW Oshkosh for a full semester (i.e. you are transferring credits back to UW Oshkosh at the end of your study abroad program), AND you are NOT enrolled for full-time credit through another accredited U.S. institution, this may affect your eligibility to remain on your parents' insurance. Information on your enrollment status is automatically extracted from UW Oshkosh records and sent to a Clearinghouse, which many insurance companies monitor. You will show up in the Clearinghouse as “not enrolled” at UW Oshkosh IF you are not enrolled for courses AT UW OSHKOSH, and your eligibility may be affected.
In order to avoid problems, contact your insurance company BEFORE leaving for your study abroad destination. Your insurance company will either give you a form or a list of information which they need. You can fax this form/list to the institution abroad for verification of full-time status while studying there.
Please note that if you are on Academic Leave of Absence, you are being reported by UW Oshkosh as "not enrolled."
What are some insurance alternatives?
At $22, the International Student Identity Card (ISIC) is a popular option for students. The ISIC can be purchased on line; policy details are available from https://www.myisic.com/MyISIC/Travel/Main.aspx?MenuID=5004.. To call STA Travel: 1-800-329-9537 (menu option “Student, youth and teacher identity cards”). A second option is to search on the internet or contact your local travel agent. There are many other insurance companies that will cover you during your time abroad.
What are medical evacuation, security evacuation, repatriation and medical reunion?
Medical evacuation, security evacuation and repatriation benefits cover the insured when the insured is moved to a location outside of the host country or returned to the U.S. because a medical condition cannot be treated locally, because of a security risk at the site abroad or because of the death of the insured. Medical reunion benefits cover a family member who travels to the location where the insured is undergoing medical treatment. If you have medical reunion, identify one or more family members who have a valid passport as your emergency contact. Anyone not holding a valid passport will need to apply for one before being able to take advantage of emergency medical reunion.
Is the insurance offered through CISI sufficient?
CISI insurance is not comprehensive. It is each participant's responsibility to review the policy for sufficient coverage. If you feel that coverage is insufficient, purchase additional coverage through your insurance agent. Do not cancel your health insurance policy in the U.S. while you are gone! In most cases, your international policy will cover you while you are gone and/or bring you back to the U.S., but once you return, your domestic policy will need to provide coverage.
Do I need trip cancellation insurance or baggage insurance?
Because the UW Oshkosh OIE runs all programs on a cost-recovery basis, it is not possible to make exceptions to the withdrawal and refund policy for any reason, including withdrawal for medical reasons or family emergencies. To protect yourself, purchase TRIP CANCELLATION INSURANCE. If you choose not to purchase trip cancellation insurance, study abroad fees assessed by the OIE will be your responsibility regardless of your reason for withdrawing. Trip cancellation insurance may provide reimbursement for CERTAIN financial losses UNDER A LIMITED SET OF CIRCUMSTANCES. Read policies carefully and shop around. Not all policies cover pre-existing conditions.
Baggage insurance typically provides coverage related to lost or delayed luggage. Because there are fairly low limits on the claims you can make, you may also need to purchase insurance riders through your home insurance policy to cover items such as digital cameras or other expensive equipment.
Consider Liability Insurance for Student Teachers
According to the SWEA representative in Madison, student teachers are covered with liability insurance when abroad as long as they are participating in an experience that is sanctioned by the IHE and leads to certification or completion of their education program. The cost is $29 per year with the "year" starting on September 1. You can apply with a credit card on WEAC site (information is valid as of 2006)
Consider Insurance for Loss, Theft or Damage of Personal Property
If traveling with valuable personal property such as cameras, laptops or equipment, your (or your parents') rental or homeowner's policy may provide sufficient coverage or you may need to purchase a rider to cover specific items; items normally covered without a rider may not be covered while traveling.
Consider Security Evacuation Alternatives
If traveling to parts of the world which are difficult to reach or are considerably less safe than you are accostomed to, you may want to consider purchasing additional insurance to cover security or medical evacuation (above and beyond what is provided by the university insurance or by your own insurance). Two options are International SOS (http://www.internationalsos.com/en/) and Global Rescue (https://www.globalrescue.com/).
Check the Center for Disease Control (CDC) Site for Immunization Information
The Center for Disease Control provides health information on specific destinations, information about specific diseases that can affect travelers, immunizations recommendations, tips on avoiding illness from food or water and more through it's web site. For information specific to your destination/s, see http://wwwn.cdc.gov/travel/.
Visit the Student Health Center or Your Healthcare Provider
The student health center offers the most frequently used immunizations, and can get others on order with advance notice, at lower fees than travel clinics and other healthcare providers. Make an appointment with the student health center (424-2424), a Travel Health Clinic (listings for Aurora available through International Travel Clinic) or your healthcare provider at least 6 weeks before leaving for a foreign country. Some immunizations must be administered over time in order for them to be effective. You will be asked to provide information on your specific destination/s (within each country), date of departure, length of stay and childhood immunizations (bring a copy of the actual record, if possible) either when making the appointment or during your visit.
Travel to an unfamiliar environment can increase stress levels; honestly evaluate your mental health in relation to support systems you can reasonably maintain while studying abroad. If traveling to a developed country, consider setting up an e-mail and phone-support system with friends and family before you leave. Keep in mind that some study abroad sites have very limited means of communication.
The Student Health Center can also provide certification of physical and mental health if needed to apply for a visa. Take care of all dental work, eye exams, and other things which may be offered at a different level of quality or standard of care efore you leave for abroad.
Put Together A Personal Medical Kit
Many prescription and over-the-counter medications available in the U.S. are not available abroad or cannot be found in the same form or at the same quality. Carry all prescription medications AND a letter from your doctor describing your condition and your prescriptions (using both the generic names and the drug name which appears on the prescription container) in your carry-on luggage. All prescriptions and over-the-counter drugs must be carried through customs in original containers. Consider bringing a medical ID bracelet if you have allergic reactions.
For those who wear glasses or contact lenses, carry an extra prescription or extra lenses. Not all countries use the same scale for determining prescriptions, so arrange to have someone send a replacement pair in an emergency. Contact lens supplies can be rare and expensive, so bring saline and cleaner or wear glasses.
Find English-speaking Doctors
U.S. embassies often maintain lists of English-speaking doctors by city. For a list specific to your destination, find the embassy or consulate nearest your destination city using the link above, click on "American Citizen Services" and look for a "medical" list.
Pack to Walk!
You will walk a lot. Codes pertaining to the height and depth of steps, sidewalk conditions, the height of signs (this is for you tall people!) etc. may be different. Avoid foot and ankle injuries by packing appropriate shoes, socks and lots of bandages!
Safety
Check State Department Country-specific Information, Travel Alerts & Travel Warnings
The U.S. State Department Bureau of Consular Affairs regularly publishes country-specific information, travel alerts and travel warnings. Country-specific Information includes health conditions and crime and security information. If an unstable condition exists in a country that is not severe enough to warrant a Travel Warning, a description of the condition(s) may be included under an optional section entitled "Safety/Security. Travel Alerts describe short-term and/or trans-national conditions related to danger, security or instability. Alerts may be issued due to natural disasters, terrorist attacks, coups, election-related violence, or major international conferences or sporting events. Travel Warnings describe longer-term conditions related to danger, security or instability. These may also be issued when the U.S. Government closes an embassy or consulate or is operating on reduced staff.
View Country-specific Information, Travel Alerts and Travel Warnings (http://travel.state.gov/)for your destination.
Check State Department Travel Publications
Read relevant Consular Affairs Brochures , available for free at http://travel.state.gov/travel/abroad_brochures.html. These should answer many of your questions about traveling abroad.
Register with the U.S. State Department
U.S. State Department Travel Registration is a free service which allows you as a U.S. citizen to record travel details which help the embassy or consulate locate you when you need them the most. Complete your registration at https://travelregistration.state.gov/ibrs/ui/. The UK, Canada, New Zealand and Japan have similar systems for their nationals.
Develop a Family Communications Plan
Develop a reasonable family communications plan that includes contingencies for emergency situations. Use the Emergency Communication Form to record important information; leave a copy of this form, your itinerary and other important information with someone back home.
Upon Arrival (this could take more time than you had planned!)
It's not so easy to contact friends and family upon arrival! By the time you get off the plane, go through immigration & customs, travel to your accommodation, purchase an international calling card, learn how it works and locate a public phone or an internet cafe, all when you're jet lagged and dealing with a new environment, you may not be able to call or email until the next day.
You may or may not have easy access to reliable email from hotels, internet cafes or universities, depending on your study abroad site. In some countries where crime and computer theft are problems, internet sites may be protected by guards. In this case, avoid sites which are open to the street or are not guarded.
Snail Mail
Sending mail to the U.S. can take two to several weeks, depending on your location. Choose DHL to ship important items and USPS for regular mail. If staying in hotels or hostels, you will not be able to receive mail and you will not have an address abroad. If staying with a host family, your address will be the same as the host family's address, but ask friends and family to use both your host's name when addressing the envelope. At USA Summer Camp, you can send mail from some camp sites but not from others. If possible, buy stamps in Japan before you get to the camp. Mail should be sent to your host family's house rather than to the camp so that it can bereturned to you if you are no longer in Japan when it arrives.
Telephone
- It's best to use pre-paid phone cards purchased in your destination country. If you purchase these in the U.S., call the customer service number on the back of the card before departing from the U.S. to get the access number from your destination country!
- Avoid using an international phone card tied to your phone number in the U.S. It’s very easy to rack up a $100-200 phone bill in just a few nights.
- Do not make international phone calls from your hotel room, even with a calling card or pre-paid calling card, without asking the hotel desk clerk whether or not you'll be charged by the hotel for time spent on the telephone line! Hotels are notorious for charging for time spent on the phone, regardless of how you are paying for the actual call.
- Never call the U.S. from your host family's phone without a calling card. This is expensive, and it will be difficult to pay the family for the calls after you return to the U.S.
- Wisconsin in Scotland: international prepaid calling cards purchased in the U.S. do not work on the phones in Dalkeith House.
Don't Drive!
Check the U.S. State Department's Consular Information Sheet for driving conditions at your destination before deciding whether or not to drive while abroad. Generally, it is not recommended since you will not know the rules of the road. If you do decide to drive, get a permit to use a U.S. driver’s license abroad. These are available at any AAA office. Bring two 2"x2" photos. Check with the embassy of the country you will visit before you leave to find out about driver’s license, road permit (these take the place of paying tolls) and auto insurance requirements. Keep in mind that the permit to use a U.S. driver’s license abroad is not valid in all countries and that driving rules differ dramatically from country to country. Read the first few pages of the guidebook you purchased for your trip for recommendations on driving.
In some countries, it is legal to rent a car but ILLEGAL TO DRIVE without the proper auto insurance. In other countries, everyone involved in a car accident (even the one who gets hit) is arrested and taken to the local jail until matters have been resolved. If you don't know the rules, don't drive!
Travel Planning
Purchase a Travel Guide
Purchase a travel guide for your study abroad destination for current information on money/currency, customs & duties, staying healthy, public transportation, travel tips, telephones, sending mail, tipping, and a lot more. Choose the guidebook which fits your needs, and make sure it is current for the year in which you are traveling!
This page was last updated on: March 25, 2009
